*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
:root{
  --orange:#f16722;--orange-light:#FDEBE2;--orange-dark:#D15913;
  --navy:#103f63;--navy-mid:#1f6399;--navy-light:#D6E8F5;
  --surface:#F5F8FC;--surface-2:#EBF0F7;--border:#DDE3EC;
  --text-primary:#0d1e2e;--text-secondary:#445566;--text-muted:#8899AA;
  --white:#FFFFFF;
  --r-sm:6px;--r-md:10px;--r-lg:14px;--r-xl:20px;
  --sh-sm:0 1px 3px rgba(16,63,99,.07),0 1px 2px rgba(0,0,0,.04);
}
html{scroll-behavior:smooth;}
body{font-family:'Figtree',-apple-system,sans-serif;color:var(--text-primary);background:var(--white);line-height:1.6;font-size:16px;-webkit-font-smoothing:antialiased;overflow-x:hidden;}
a{text-decoration:none;color:inherit;}
img{max-width:100%;display:block;}

/* NAV */
nav{position:sticky;top:0;z-index:100;background:color-mix(in oklab,#f6f4ef 92%,transparent);backdrop-filter:blur(14px);border-bottom:1px solid rgba(16,63,99,.10);padding:0 5%;}
.nav-inner{max-width:1200px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;height:66px;}
.nav-logo{display:flex;align-items:center;}
.nav-links{display:flex;align-items:center;gap:4px;list-style:none;}
.nav-links>li>a{font-size:14px;font-weight:500;color:var(--text-secondary);padding:7px 13px;border-radius:var(--r-sm);transition:color .15s,background .15s;display:flex;align-items:center;gap:4px;}
.nav-links>li>a:hover{color:var(--orange);background:rgba(241,103,34,.08);}
.nav-links .dropdown{position:relative;}
.nav-links .dropdown>a::after{content:"";display:inline-block;width:0;height:0;border-left:4px solid transparent;border-right:4px solid transparent;border-top:5px solid var(--navy);margin-left:6px;vertical-align:middle;position:relative;top:1px;}
.nav-links .dropdown-menu{display:none;position:absolute;top:100%;left:0;background:var(--navy);border:1px solid rgba(255,255,255,.1);border-radius:var(--r-md);padding:6px;min-width:170px;box-shadow:0 8px 24px rgba(16,63,99,.25);z-index:50;}
.nav-links .dropdown:hover .dropdown-menu,.nav-links .dropdown:focus-within .dropdown-menu,.nav-links .dropdown.is-open .dropdown-menu{display:block;}
.dropdown-menu a{display:block;padding:8px 14px;font-size:13px;font-weight:500;color:rgba(255,255,255,.72);border-radius:var(--r-sm);transition:color .12s,background .12s;}
.dropdown-menu a:hover{color:white;background:rgba(255,255,255,.1);}
.nav-ctas{display:flex;align-items:center;gap:8px;}
.btn-ghost{font-size:13px;font-weight:600;color:var(--navy);padding:8px 18px;border-radius:var(--r-sm);border:1.5px solid rgba(16,63,99,.22);transition:all 180ms cubic-bezier(.4,0,.2,1);letter-spacing:0.02em;}
.btn-ghost:hover{color:var(--navy);border-color:var(--navy);background:rgba(241,103,34,.06);}
.btn-nav-primary{font-size:13px;font-weight:600;color:var(--white);background:var(--orange);padding:9px 20px;border-radius:var(--r-sm);transition:all 180ms cubic-bezier(.4,0,.2,1);border:none;cursor:pointer;display:inline-block;letter-spacing:0.04em;}
.btn-nav-primary:hover{background:var(--orange-dark);transform:translateY(-1px);}

/* LEGAL PAGE */
.legal-hero{padding:64px 5% 40px;background:linear-gradient(150deg,#F5F8FC 0%,#EAF0F7 50%,#FDF2EC 100%);border-bottom:1px solid var(--border);}
.legal-hero-inner{max-width:760px;margin:0 auto;}
.legal-eyebrow{display:inline-block;font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--orange);margin-bottom:12px;}
.legal-hero h1{font-size:clamp(28px,4vw,42px);font-weight:800;color:var(--text-primary);letter-spacing:-0.02em;margin-bottom:12px;}
.legal-hero p{font-size:15px;color:var(--text-secondary);max-width:600px;}
.legal-section{padding:56px 5% 96px;background:var(--white);}
.legal-inner{max-width:760px;margin:0 auto;}
.legal-intro p{font-size:14.5px;color:var(--text-secondary);line-height:1.85;margin-bottom:18px;}
.legal-intro a,.legal-body a{color:var(--navy-mid);font-weight:600;}
.legal-intro a:hover,.legal-body a:hover{text-decoration:underline;}
.legal-toc{background:var(--surface);border:1px solid var(--border);border-radius:var(--r-lg);padding:26px 28px;margin:32px 0 40px;}
.legal-toc h2{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--text-muted);margin-bottom:16px;}
.legal-toc ol{list-style:none;columns:2;column-gap:28px;padding:0;margin:0;counter-reset:toc;}
.legal-toc li{font-size:13.5px;margin-bottom:9px;break-inside:avoid;}
.legal-toc a{color:var(--navy-mid);font-weight:500;}
.legal-body h2{font-size:20px;font-weight:800;color:var(--text-primary);margin:44px 0 16px;letter-spacing:-0.01em;scroll-margin-top:90px;}
.legal-body h2:first-of-type{margin-top:0;}
.legal-body p{font-size:14.5px;color:var(--text-secondary);line-height:1.85;margin-bottom:12px;}
.legal-body p strong{color:var(--text-primary);font-weight:700;margin-right:6px;}
.legal-footnote{margin-top:56px;padding-top:28px;border-top:1px solid var(--border);font-size:13px;color:var(--text-muted);}

/* FOOTER */
footer{background:var(--navy);color:rgba(255,255,255,.65);padding:60px 5% 32px;}
.footer-inner{max-width:1200px;margin:0 auto;}
.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr 1fr 1fr;gap:48px;margin-bottom:48px;}
.footer-brand p{font-size:13.5px;line-height:1.65;max-width:240px;margin-top:14px;}
.footer-col h4{font-size:11px;font-weight:700;color:white;text-transform:uppercase;letter-spacing:.8px;margin-bottom:14px;}
.footer-col ul{list-style:none;display:flex;flex-direction:column;gap:9px;}
.footer-col ul li a{font-size:13px;color:rgba(255,255,255,.55);transition:color .15s;}
.footer-col ul li a:hover{color:white;}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:22px;display:flex;align-items:center;justify-content:space-between;font-size:13px;}
.footer-socials{display:flex;gap:10px;margin-top:18px;}
.footer-social{width:34px;height:34px;border-radius:var(--r-sm);background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);display:flex;align-items:center;justify-content:center;font-size:14px;color:rgba(255,255,255,.55);transition:background .15s,color .15s;}
.footer-social:hover{background:rgba(255,255,255,.15);color:white;}

/* MOBILE NAV */
.nav-hamburger{display:none;flex-direction:column;justify-content:center;gap:5px;background:none;border:none;cursor:pointer;padding:8px 4px;z-index:200;flex-shrink:0;}
.nav-hamburger span{display:block;width:22px;height:2px;background:var(--navy);border-radius:2px;transition:transform .25s,opacity .25s;}
.nav-hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg);}
.nav-hamburger.open span:nth-child(2){opacity:0;transform:scaleX(0);}
.nav-hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg);}
@media(max-width:960px){
  .nav-hamburger{display:flex;}
  nav{backdrop-filter:none;}
  .nav-ctas{display:none;}
  .nav-links{display:none;position:fixed;top:66px;left:0;right:0;bottom:0;flex-direction:column;align-items:stretch;padding:16px 5% 32px;background:var(--white);z-index:199;overflow-y:auto;border-top:1px solid var(--border);box-shadow:0 4px 32px rgba(0,0,0,.12);}
  .nav-links.open{display:flex;}
  .nav-links>li{border-bottom:1px solid var(--border);}
  .nav-links>li:last-child{border-bottom:none;}
  .nav-links>li>a{font-size:15px;font-weight:600;padding:14px 0;justify-content:flex-start;border-radius:0;width:100%;}
  .nav-links .dropdown-menu{display:block;position:static;background:transparent;border:none;box-shadow:none;padding:0 0 10px 16px;min-width:unset;}
  .nav-links .dropdown-menu a{color:var(--text-secondary);padding:8px 0;font-size:14px;}
  .nav-links .dropdown-menu a:hover{background:transparent;color:var(--orange);}
  .nav-links .dropdown>a::after{display:none;}
  .footer-top{grid-template-columns:1fr 1fr;}
}
@media(max-width:640px){
  .legal-toc ol{columns:1;}
  .footer-top{grid-template-columns:1fr;}
  .footer-bottom{flex-direction:column;gap:8px;text-align:center;}
}
@media(max-width:480px){
  nav{padding:0 4%;}
}