:root {
  --navy: #081938;
  --blue: #173f86;
  --purple: #553b91;
  --gold: #e1b83f;
  --ink: #172033;
  --muted: #657088;
  --paper: #f7f8fc;
  --white: #ffffff;
  --line: #dfe4ef;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.65;
}

a { color: var(--blue); }

.legal-header {
  color: white;
  border-top: 5px solid var(--gold);
  background: linear-gradient(115deg, #123c80 0%, #273f87 48%, #5a3b8f 100%);
}

.legal-header-inner,
.legal-main,
.legal-footer-inner {
  width: min(880px, calc(100% - 40px));
  margin: 0 auto;
}

.legal-header-inner { padding: 40px 0 46px; }
.legal-brand { display: inline-flex; align-items: center; color: white; text-decoration: none; }
.legal-brand img { display: block; width: min(330px, 78vw); height: 98px; border-radius: 9px; object-fit: cover; object-position: center; }
.legal-header h1 { max-width: 700px; margin: 38px 0 8px; font-family: Georgia, "Times New Roman", serif; font-size: clamp(38px, 7vw, 62px); line-height: 1; letter-spacing: -.025em; }
.legal-header p { max-width: 650px; margin: 14px 0 0; color: rgba(255,255,255,.74); }

.legal-main { padding: 54px 0 68px; }
.legal-summary { margin-bottom: 36px; padding: 24px 26px; border: 1px solid rgba(23,63,134,.16); border-left: 5px solid var(--gold); border-radius: 14px; background: white; box-shadow: 0 14px 40px rgba(8,25,56,.07); }
.legal-summary strong { color: var(--navy); }
.legal-section { padding: 24px 0; border-top: 1px solid var(--line); }
.legal-section:first-of-type { border-top: 0; }
.legal-section h2 { margin: 0 0 10px; color: var(--navy); font-family: Georgia, "Times New Roman", serif; font-size: 28px; line-height: 1.12; }
.legal-section p, .legal-section li { color: #46536a; }
.legal-section ul { padding-left: 22px; }
.legal-section li + li { margin-top: 7px; }
.legal-kicker { margin: 0; color: var(--gold); font-size: 11px; font-weight: 850; letter-spacing: .16em; text-transform: uppercase; }
.legal-effective { color: var(--muted); font-size: 12px; }

.legal-footer { color: rgba(255,255,255,.68); background: var(--navy); }
.legal-footer-inner { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 16px; padding: 26px 0; font-size: 12px; }
.legal-footer nav { display: flex; gap: 16px; }
.legal-footer a { color: white; }

@media (max-width: 600px) {
  .legal-header-inner { padding: 28px 0 36px; }
  .legal-brand img { width: min(280px, 82vw); height: 84px; }
  .legal-main { padding: 36px 0 48px; }
  .legal-summary { padding: 20px; }
}