:root{--navy:#061a35;--ink:#142338;--line:#d9e1ea;--soft:#f4f7fa;--blue:#276ab5}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:#fff;font:16px/1.7 Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}a{color:inherit}.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:16px;z-index:20;background:#fff;padding:10px 14px}.notice{display:flex;justify-content:space-between;gap:20px;padding:12px 5%;background:var(--navy);color:#c4d5e8;font-size:13px;letter-spacing:.08em;text-transform:uppercase}.nav{display:flex;align-items:center;justify-content:space-between;gap:28px;padding:14px 5%;border-bottom:1px solid var(--line);background:#fff}.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy);font-weight:800;letter-spacing:.02em}.brand img{width:52px;height:52px;object-fit:contain}.brand span{display:flex;flex-direction:column}.brand small{font-size:10px;letter-spacing:.14em}.nav-links{display:flex;align-items:center;gap:24px}.nav-links a{text-decoration:none;font-size:14px;font-weight:650}.phone{padding:11px 16px;background:var(--navy);color:#fff;text-decoration:none;font-weight:750}.legal-hero{padding:64px 6% 54px;background:linear-gradient(135deg,#061a35,#12395f);color:#fff}.legal-hero .inner{max-width:980px;margin:auto}.eyebrow{margin:0 0 12px;color:#a9c8e8;font-size:13px;font-weight:750;letter-spacing:.14em;text-transform:uppercase}.legal-hero h1{margin:0;font-size:clamp(42px,6vw,70px);line-height:1.05;letter-spacing:-.045em}.legal-hero p:last-child{max-width:700px;margin:22px 0 0;color:#d4e0ec;font-size:18px}.legal-layout{display:grid;grid-template-columns:230px minmax(0,760px);gap:64px;max-width:1120px;margin:auto;padding:58px 6% 80px}.toc{position:sticky;top:24px;align-self:start;padding:22px;background:var(--soft);border-left:3px solid var(--blue)}.toc b{display:block;margin-bottom:10px}.toc a{display:block;padding:5px 0;color:#41546b;font-size:14px;text-decoration:none}.toc a:hover{text-decoration:underline}.legal-copy h2{margin:44px 0 12px;color:var(--navy);font-size:28px;line-height:1.25}.legal-copy h2:first-child{margin-top:0}.legal-copy p,.legal-copy li{color:#34465b}.legal-copy ul{padding-left:22px}.legal-copy .callout{margin:32px 0;padding:20px 22px;background:var(--soft);border:1px solid var(--line)}.legal-copy .contact-card{margin-top:38px;padding:24px;border:1px solid var(--line)}.legal-copy a{color:#145ca8}.legal-footer{padding:32px 6%;background:var(--navy);color:#c4d5e8}.legal-footer .inner{display:flex;flex-wrap:wrap;justify-content:space-between;gap:18px;max-width:1120px;margin:auto}.legal-footer a{margin-left:18px;color:#fff}
@media(max-width:760px){.notice span:last-child,.nav-links{display:none}.nav{padding:10px 5%}.brand img{width:44px;height:44px}.phone{font-size:13px;padding:10px 12px}.legal-hero{padding:46px 6%}.legal-hero p:last-child{font-size:16px}.legal-layout{grid-template-columns:1fr;gap:28px;padding-top:34px}.toc{position:static}.legal-copy h2{font-size:25px}.legal-footer .inner{display:block}.legal-footer nav{margin-top:12px}.legal-footer a{margin:0 14px 0 0}}