:root{--navy:#0A1E3F;--navy-700:#112A54;--navy-50:#F0F4FB;--amber:#D4A94A;--amber-700:#B8904F;--amber-300:#E8CB84;--ink:#0F172A;--ink-soft:#334155;--slate:#475569;--slate-light:#94A3B8;--line:#E2E8F0;--cream:#F8FAFC;--font-sans:'Inter',-apple-system,sans-serif;--font-serif:'Fraunces',serif;--max:1280px;--gutter:clamp(1.25rem,4vw,2.5rem);--radius:14px;--radius-sm:8px}
*,*::before,*::after{box-sizing:border-box}
body{margin:0;background:#fff;color:var(--ink);font-family:var(--font-sans);font-size:16px;line-height:1.65}
a{color:inherit;text-decoration:none}
.wrap{max-width:var(--max);margin:0 auto;padding:0 var(--gutter)}
.topbar{background:var(--navy);color:rgba(255,255,255,.85);font-size:13px;padding:10px 0}
.topbar .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:1rem;align-items:center}
.topbar .left,.topbar .right{display:flex;gap:1rem;align-items:center}
.topbar a:hover{color:var(--amber)}
.topbar .cta-mini{background:var(--amber);color:var(--navy);font-weight:600;padding:.4rem .9rem;border-radius:6px;font-size:12px}
.topbar .socials{display:flex;gap:.25rem}
.topbar .socials a{width:24px;height:24px;border-radius:50%;border:1px solid rgba(255,255,255,.25);display:grid;place-items:center;font-size:10px}
@media (max-width:760px){.topbar .hide-sm{display:none}}
nav.primary{background:#fff;padding:1rem 0;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
nav.primary .wrap{display:flex;justify-content:space-between;align-items:center;gap:2rem}
.logo img{height:42px}
.navlinks{display:flex;gap:1.75rem;font-size:15px;font-weight:500}
.navlinks a{color:var(--ink-soft);padding:.4rem 0}
.navlinks a:hover{color:var(--navy)}
.nav-right{display:flex;gap:.75rem}
.portal-btn{padding:.6rem 1rem;border-radius:8px;font-weight:600;background:var(--amber);color:var(--navy);font-size:14px}
.nav-toggle{display:none;background:transparent;border:1px solid var(--line);color:var(--navy);width:42px;height:42px;border-radius:8px;font-size:20px;line-height:1;cursor:pointer;align-items:center;justify-content:center;padding:0}
.nav-toggle:focus-visible{outline:2px solid var(--amber);outline-offset:2px}
@media (max-width:1024px){.nav-toggle{display:inline-flex}.navlinks{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:.5rem 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);box-shadow:0 10px 25px -15px rgba(10,30,63,.15);z-index:60}.navlinks.open{display:flex}.navlinks a{padding:.9rem clamp(1.25rem,4vw,2.5rem);border-bottom:1px solid var(--line);font-size:15.5px;color:var(--navy)}.navlinks a:last-child{border-bottom:none}.nav-right .portal-btn{display:none}nav.primary .wrap{position:relative;flex-wrap:wrap}}
.crumbs{background:var(--navy-50);padding:.75rem 0;font-size:13px;color:var(--slate);border-bottom:1px solid var(--line)}
.crumbs a{color:var(--amber-700)}
.crumbs .sep{color:var(--slate-light);padding:0 .4rem}
.legal-hero{background:linear-gradient(145deg,var(--navy),var(--navy-700));color:#fff;padding:clamp(3rem,6vw,5rem) 0;text-align:center;position:relative;overflow:hidden}
.legal-hero::before{content:"";position:absolute;inset:0;background-image:radial-gradient(circle at 20% 30%,rgba(212,169,74,.1),transparent 50%);pointer-events:none}
.legal-hero .wrap{position:relative;max-width:820px}
.legal-hero .eyebrow{color:var(--amber-300);font-size:11px;letter-spacing:.25em;text-transform:uppercase;font-weight:600;margin-bottom:1rem}
.legal-hero h1{font-weight:700;font-size:clamp(2rem,5vw,3.2rem);line-height:1.05;letter-spacing:-.025em;margin:0 0 1rem;color:#fff}
.legal-hero h1 .italic{font-family:var(--font-serif);font-weight:500;font-style:italic;color:var(--amber);display:block;margin-top:.25rem}
.legal-hero p.sub{font-size:1rem;line-height:1.6;color:rgba(255,255,255,.78);max-width:60ch;margin:0 auto}
.legal-hero .updated{display:inline-block;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);padding:.4rem .9rem;border-radius:6px;font-size:12px;font-weight:500;color:rgba(255,255,255,.85);margin-top:1.5rem}
.legal-content{padding:clamp(3rem,7vw,5rem) 0}
.legal-content .wrap{max-width:820px}
.legal-content h2{font-weight:700;font-size:1.5rem;color:var(--navy);margin:2.5rem 0 1rem;letter-spacing:-.015em;padding-bottom:.5rem;border-bottom:2px solid var(--amber);display:inline-block}
.legal-content h2:first-of-type{margin-top:0}
.legal-content h3{font-weight:700;font-size:1.1rem;color:var(--navy);margin:1.75rem 0 .75rem}
.legal-content p{color:var(--ink-soft);margin:0 0 1rem;font-size:15px;line-height:1.7}
.legal-content p a{color:var(--amber-700);font-weight:600}
.legal-content ul,.legal-content ol{color:var(--ink-soft);padding-left:1.5rem;margin:0 0 1.25rem;font-size:15px;line-height:1.7}
.legal-content ul li,.legal-content ol li{margin-bottom:.4rem}
.legal-content strong{color:var(--navy);font-weight:600}
.legal-content .box{background:var(--cream);border-left:3px solid var(--amber);padding:1.25rem 1.5rem;border-radius:var(--radius-sm);margin:1.5rem 0;font-size:14.5px}
.legal-content .box strong{display:block;margin-bottom:.4rem;color:var(--navy)}
.legal-content .toc{background:var(--navy-50);border-radius:var(--radius);padding:1.5rem 2rem;margin-bottom:2.5rem}
.legal-content .toc h3{margin:0 0 1rem;font-size:1rem;color:var(--navy)}
.legal-content .toc ol{list-style:decimal;padding-left:1.25rem;margin:0;font-size:14px;line-height:1.75}
.legal-content .toc ol li a{color:var(--navy);font-weight:600}
.legal-content .toc ol li a:hover{color:var(--amber-700)}
.related-strip{background:var(--cream);padding:clamp(3rem,6vw,4.5rem) 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);text-align:center}
.related-strip .wrap{max-width:900px}
.related-strip h2{font-weight:700;font-size:1.5rem;color:var(--navy);margin:0 0 1rem}
.related-strip p{color:var(--slate);font-size:14.5px;margin:0 0 1.5rem;max-width:60ch;margin-left:auto;margin-right:auto}
.related-strip .pills{display:flex;gap:.5rem;flex-wrap:wrap;justify-content:center}
.related-strip .pills a{background:#fff;border:1px solid var(--line);padding:.6rem 1.1rem;border-radius:999px;color:var(--navy);font-size:13.5px;font-weight:600}
.related-strip .pills a:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
footer.site{background:var(--navy);color:rgba(255,255,255,.75);padding:3rem 0 2rem}
footer.site a{color:inherit}footer.site a:hover{color:var(--amber)}
.footer-grid{display:grid;grid-template-columns:minmax(0,1.5fr) repeat(4,minmax(0,1fr));gap:3rem;padding-bottom:3rem;border-bottom:1px solid rgba(255,255,255,.1)}
@media (max-width:980px){.footer-grid{grid-template-columns:1fr 1fr;gap:2rem}.footer-brand{grid-column:1/-1}}
.footer-brand img{height:36px;filter:brightness(0) invert(1);margin-bottom:1rem}
.footer-brand p{font-size:13.5px;line-height:1.6;max-width:32ch;margin:0 0 1.5rem}
.footer-brand .trust{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:.4rem;font-size:12.5px}
.footer-brand .trust li{color:var(--amber-300);display:flex;gap:.4rem}
.footer-brand .trust li::before{content:"✓";color:var(--amber);font-weight:700}
footer.site h4{color:#fff;font-size:11px;letter-spacing:.22em;text-transform:uppercase;font-weight:700;margin:0 0 1rem}
footer.site ul{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:.55rem}
footer.site ul li a{font-size:13.5px}
.footer-bottom{padding-top:2rem;display:flex;justify-content:space-between;align-items:center;gap:1rem;flex-wrap:wrap;font-size:12px;color:rgba(255,255,255,.5)}
.footer-bottom .policies{display:flex;gap:1.25rem}
.footer-disclosure{padding:1.5rem 0;font-size:11.5px;color:rgba(255,255,255,.4);line-height:1.65}