:root {
  color-scheme: light;
  --navy: #072a40;
  --teal: #087f79;
  --teal-dark: #075c58;
  --ink: #173243;
  --muted: #637888;
  --line: #d7e2e4;
  --paper: #fff;
  --wash: #f4f8f6;
  --accent: #e5f5f2;
}

* { box-sizing: border-box; }

html { background: var(--wash); }

body {
  margin: 0;
  color: var(--ink);
  background:
    radial-gradient(circle at 10% 0%, rgba(28, 168, 158, .12), transparent 32rem),
    var(--wash);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.65;
}

a { color: var(--teal-dark); }
a:hover { color: var(--navy); }
a:focus-visible { outline: 3px solid var(--teal); outline-offset: 3px; border-radius: 3px; }

.legal-shell { width: min(100% - 32px, 840px); margin: 0 auto; }

.legal-header {
  padding: 22px 0;
  border-bottom: 1px solid rgba(7, 42, 64, .12);
  background: rgba(255, 255, 255, .86);
  backdrop-filter: blur(12px);
}

.legal-brand { display: inline-flex; align-items: center; gap: 12px; color: var(--navy); text-decoration: none; }
.legal-brand img { width: 52px; height: 52px; border-radius: 14px; box-shadow: 0 5px 16px rgba(7, 42, 64, .12); }
.legal-brand strong { display: block; font-size: 1.35rem; line-height: 1.1; }
.legal-brand small { display: block; margin-top: 4px; color: var(--muted); font-size: .76rem; font-weight: 700; letter-spacing: .01em; }

main { padding: 48px 0 64px; }
.legal-card { padding: clamp(24px, 6vw, 52px); border: 1px solid var(--line); border-radius: 28px; background: var(--paper); box-shadow: 0 18px 50px rgba(7, 42, 64, .08); }
.eyebrow { margin: 0 0 8px; color: var(--teal-dark); font-size: .78rem; font-weight: 900; letter-spacing: .16em; text-transform: uppercase; }
h1 { margin: 0; color: var(--navy); font-size: clamp(2rem, 7vw, 3.45rem); line-height: 1.05; letter-spacing: -.04em; }
.effective { margin: 14px 0 30px; color: var(--muted); font-size: .92rem; font-weight: 700; }
.summary { margin: 0 0 34px; padding: 18px 20px; border-left: 5px solid var(--teal); border-radius: 0 14px 14px 0; background: var(--accent); color: var(--navy); font-weight: 700; }
h2 { margin: 36px 0 10px; color: var(--navy); font-size: 1.35rem; line-height: 1.25; }
h3 { margin: 22px 0 8px; color: var(--navy); font-size: 1.02rem; }
p { margin: 0 0 14px; }
ul { margin: 10px 0 16px; padding-left: 24px; }
li { margin: 7px 0; }
.sms-notice { padding: 18px 20px; border: 1px solid #aad6d1; border-radius: 16px; background: #f0faf8; }
.sms-notice strong { color: var(--navy); }
.legal-note { color: var(--muted); font-size: .9rem; }
.legal-footer { padding: 24px 16px 38px; color: var(--muted); font-size: .82rem; text-align: center; }
.legal-footer nav { display: flex; justify-content: center; gap: 18px; margin-bottom: 10px; flex-wrap: wrap; }
.legal-footer a { font-weight: 800; }

@media (max-width: 520px) {
  .legal-shell { width: min(100% - 20px, 840px); }
  .legal-header { padding: 14px 0; }
  .legal-brand img { width: 44px; height: 44px; border-radius: 12px; }
  .legal-brand small { display: none; }
  main { padding: 18px 0 38px; }
  .legal-card { border-radius: 20px; }
}

@media print {
  html, body { background: #fff; }
  .legal-header { position: static; }
  .legal-card { padding: 0; border: 0; box-shadow: none; }
  .legal-footer { border-top: 1px solid var(--line); }
}