:root {
  --bg: #f3ede3;
  --surface: #fdfcf8;
  --text: #14100a;
  --mid: #4a3c2a;
  --muted: #8a7860;
  --accent: #b5762a;
  --accent-soft: #f0e4ce;
  --border: #ddd0bc;
  --dark: #14100a;
  --display: "Cormorant Garamond", Georgia, serif;
  --body: "Plus Jakarta Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: var(--body);
  font-size: 16px;
  line-height: 1.75;
  -webkit-font-smoothing: antialiased;
}
a { color: var(--accent); text-underline-offset: 3px; }
a:hover { color: #985e1c; }
.wrap { width: min(100% - 40px, 920px); margin-inline: auto; }
.legal-nav {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(243, 237, 227, .94);
  border-bottom: 1px solid var(--border);
  backdrop-filter: blur(14px);
}
.legal-nav__row {
  min-height: 68px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.logo {
  color: var(--text);
  font-family: var(--display);
  font-size: 24px;
  font-weight: 600;
  letter-spacing: -.02em;
  text-decoration: none;
}
.logo em { color: var(--accent); font-style: normal; }
.legal-nav__links { display: flex; flex-wrap: wrap; gap: 18px; }
.legal-nav__links a { color: var(--mid); font-size: 13px; font-weight: 600; text-decoration: none; }
.legal-nav__links a[aria-current="page"] { color: var(--accent); }
.legal-hero { padding: clamp(62px, 9vw, 108px) 0 42px; }
.eyebrow {
  color: var(--muted);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: .14em;
  text-transform: uppercase;
}
h1, h2, h3 { font-family: var(--display); line-height: 1.12; letter-spacing: -.02em; }
h1 { margin: 15px 0 20px; font-size: clamp(42px, 8vw, 72px); font-weight: 500; }
h2 { margin: 0 0 18px; font-size: clamp(28px, 4vw, 38px); font-weight: 500; }
h3 { margin: 28px 0 10px; font-size: 24px; font-weight: 500; }
.lead { max-width: 760px; color: var(--mid); font-size: clamp(17px, 2vw, 20px); }
.updated { margin-top: 22px; color: var(--muted); font-size: 13px; }
.summary {
  margin-top: 36px;
  padding: 24px 26px;
  border: 1px solid rgba(181, 118, 42, .28);
  border-radius: 16px;
  background: var(--accent-soft);
}
.summary strong { display: block; margin-bottom: 8px; }
.summary p { margin: 0; }
.legal-layout {
  display: grid;
  grid-template-columns: 210px minmax(0, 1fr);
  gap: clamp(36px, 6vw, 72px);
  align-items: start;
  padding-bottom: 96px;
}
.toc {
  position: sticky;
  top: 92px;
  padding: 18px;
  border: 1px solid var(--border);
  border-radius: 14px;
  background: rgba(253, 252, 248, .62);
}
.toc strong { display: block; margin-bottom: 10px; font-size: 12px; letter-spacing: .08em; text-transform: uppercase; }
.toc a { display: block; padding: 4px 0; color: var(--muted); font-size: 12px; line-height: 1.45; text-decoration: none; }
.toc a:hover { color: var(--accent); }
.legal-content section {
  scroll-margin-top: 92px;
  padding: 34px 0;
  border-top: 1px solid var(--border);
}
.legal-content section:first-child { border-top: 0; padding-top: 0; }
.legal-content p { margin: 0 0 14px; color: var(--mid); }
.legal-content ul, .legal-content ol { margin: 12px 0 18px; padding-left: 22px; color: var(--mid); }
.legal-content li { margin: 7px 0; padding-left: 4px; }
.legal-content strong { color: var(--text); }
.provider-list { list-style: none; padding-left: 0 !important; }
.provider-list li {
  margin: 10px 0;
  padding: 14px 16px;
  border: 1px solid var(--border);
  border-radius: 10px;
  background: var(--surface);
}
.note {
  margin: 20px 0;
  padding: 17px 19px;
  border-left: 3px solid var(--accent);
  background: var(--surface);
  color: var(--mid);
}
.legal-footer { padding: 32px 0; background: var(--dark); }
.legal-footer__row { display: flex; align-items: center; justify-content: space-between; gap: 20px; flex-wrap: wrap; }
.legal-footer .logo { color: rgba(255,255,255,.64); font-size: 21px; }
.legal-footer__links { display: flex; flex-wrap: wrap; gap: 18px; }
.legal-footer__links a { color: rgba(255,255,255,.48); font-size: 13px; text-decoration: none; }
.legal-footer p { margin: 0; color: rgba(255,255,255,.32); font-size: 13px; }
@media (max-width: 760px) {
  .legal-nav__links a:first-child { display: none; }
  .legal-layout { grid-template-columns: 1fr; }
  .toc { position: static; }
  .legal-hero { padding-top: 52px; }
}
@media print {
  .legal-nav, .toc, .legal-footer { display: none; }
  body { background: #fff; color: #000; font-size: 11pt; }
  .wrap { width: 100%; max-width: none; }
  .legal-layout { display: block; }
  .legal-content section { break-inside: avoid-page; }
}