:root{
    --blue-900:#0d3d73;
    --blue-800:#0f4f96;
    --blue-700:#1157a8;
    --blue-600:#1565C0;
    --blue-400:#3f8ce0;
    --blue-300:#64B5F6;
    --blue-100:#BBDEFB;
    --blue-50:#EAF4FF;
    --blue-25:#F5FAFF;
    --yellow-500:#FFD54F;
    --yellow-400:#FFCA28;
    --yellow-100:#FFF4D6;
    --ink:#122845;
    --ink-soft:#4c6079;
    --white:#ffffff;
    --radius-l:28px;
    --radius-m:18px;
    --radius-s:12px;
    --shadow-card: 0 10px 30px rgba(13,61,115,0.08);
    --shadow-card-hover: 0 18px 40px rgba(13,61,115,0.14);
    --font-head: "Baloo 2", "Nunito Sans", sans-serif;
    --font-body: "Nunito Sans", -apple-system, BlinkMacSystemFont, sans-serif;
  }
  *{box-sizing:border-box; margin:0; padding:0;}
  html{scroll-behavior:smooth;}
  body{
    font-family: var(--font-body);
    color: var(--ink);
    background: var(--white);
    line-height:1.55;
    -webkit-font-smoothing:antialiased;
  }
  img{max-width:100%; display:block;}
  a{color:inherit; text-decoration:none;}
  ul{list-style:none;}
  .container{
    width:100%;
    max-width:1240px;
    margin:0 auto;
    padding:0 24px;
  }
  h1,h2,h3,h4{
    font-family: var(--font-head);
    font-weight:700;
    color: var(--blue-900);
    line-height:1.15;
  }
  .btn{
    display:inline-flex;
    align-items:center;
    justify-content:center;
    gap:8px;
    font-family: var(--font-head);
    font-weight:700;
    font-size:16px;
    padding:14px 26px;
    border-radius:999px;
    border:2px solid transparent;
    cursor:pointer;
    transition: transform .18s ease, box-shadow .18s ease, background .18s ease, color .18s ease;
    white-space:nowrap;
  }
  .btn-blue{
    background: var(--blue-600);
    color: var(--white);
    box-shadow: 0 10px 24px rgba(21,101,192,0.35);
  }
  .btn-blue:hover{ transform: translateY(-2px); background: var(--blue-700); }

  /* ---------- HEADER ---------- */
  header{
    position:sticky; top:0; z-index:100;
    background: rgba(255,255,255,0.92);
    backdrop-filter: blur(10px);
    border-bottom:1px solid rgba(13,61,115,0.08);
  }
  .nav-wrap{
    display:flex;
    align-items:center;
    justify-content:space-between;
    padding:14px 0;
    gap:24px;
  }
  .brand-logo img{ height:46px; width:auto; }
  nav.main-nav{ display:flex; align-items:center; gap:34px; }
  nav.main-nav a{
    font-family: var(--font-head);
    font-weight:600;
    font-size:15.5px;
    color: var(--blue-900);
    position:relative;
    padding:6px 0;
  }
  nav.main-nav a:hover{ color: var(--blue-600); }
  .has-dropdown{ position:relative; }
  .dropdown-caret{ font-size:11px; margin-left:4px; opacity:.6; }
  .dropdown-panel{
    position:absolute;
    top:calc(100% + 14px);
    left:50%;
    transform:translateX(-50%) translateY(6px);
    background:var(--white);
    border-radius:var(--radius-m);
    box-shadow: var(--shadow-card-hover);
    padding:14px;
    width:300px;
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:4px;
    opacity:0;
    visibility:hidden;
    transition: opacity .18s ease, transform .18s ease, visibility .18s ease;
    border:1px solid var(--blue-50);
  }
  .has-dropdown:hover .dropdown-panel{ opacity:1; visibility:visible; transform:translateX(-50%) translateY(0); }
  .dropdown-panel a{
    font-size:13.5px;
    font-weight:600;
    padding:9px 10px;
    border-radius:10px;
    color:var(--ink);
  }
  .dropdown-panel a:hover{ background:var(--blue-50); color:var(--blue-600); }
  .header-actions{ display:flex; align-items:center; gap:18px; }
  .header-phone{
    display:flex; align-items:center; gap:8px;
    font-family: var(--font-head); font-weight:700; font-size:14.5px; color:var(--blue-900);
  }
  .header-phone svg{ flex-shrink:0; }

  /* ---------- LEGAL HERO ---------- */
  .legal-hero{
    position:relative;
    overflow:hidden;
    background: radial-gradient(120% 140% at 15% 0%, var(--blue-700) 0%, var(--blue-900) 62%, #082a52 100%);
    padding: 68px 0 60px;
  }
  .legal-hero .hero-dots{
    position:absolute; inset:0;
    background-image: radial-gradient(rgba(255,255,255,0.16) 2px, transparent 2px);
    background-size: 26px 26px;
    -webkit-mask-image: radial-gradient(60% 90% at 85% 20%, black 10%, transparent 72%);
    mask-image: radial-gradient(60% 90% at 85% 20%, black 10%, transparent 72%);
    pointer-events:none;
  }
  .legal-hero .container{ position:relative; z-index:2; }
  .legal-eyebrow{
    display:inline-flex;
    align-items:center;
    gap:8px;
    font-family: var(--font-head);
    font-weight:600;
    font-size:13px;
    letter-spacing:.04em;
    text-transform:uppercase;
    color: var(--yellow-500);
    background: rgba(255,255,255,0.1);
    border:1.5px solid rgba(255,255,255,0.28);
    padding:7px 16px;
    border-radius:999px;
    margin-bottom:20px;
  }
  .legal-hero h1{ color:var(--white); font-size: clamp(32px, 4.2vw, 50px); margin-bottom:14px; }
  .legal-hero p.updated{ color:rgba(255,255,255,0.72); font-size:14.5px; max-width:640px; }

  /* ---------- LEGAL CONTENT ---------- */
  .legal-content{ padding: 72px 0 90px; background:var(--white); }
  .legal-content .container{ max-width:860px; }
  .legal-intro{ margin-bottom:44px; }
  .legal-intro p{ color:var(--ink-soft); font-size:16px; margin-bottom:14px; }
  .legal-intro p b{ color:var(--blue-900); font-family:var(--font-head); }
  .legal-intro p em{ font-style:italic; color:var(--blue-900); }

  .toc{
    background: var(--blue-25);
    border:1.5px solid var(--blue-50);
    border-radius: var(--radius-m);
    padding: 26px 30px;
    margin-bottom: 52px;
  }
  .toc h3{
    font-size:13px; text-transform:uppercase; letter-spacing:.06em; color:var(--blue-700);
    margin-bottom:14px; font-family:var(--font-head); font-weight:700;
  }
  .toc ol{ columns:2; column-gap:28px; }
  .toc li{ font-size:14.5px; margin-bottom:10px; break-inside:avoid; color:var(--ink); list-style:none; }
  .toc li a{ color:var(--ink-soft); }
  .toc li a:hover{ color:var(--blue-600); }

  .legal-clauses{ counter-reset:clause; }
  .legal-clauses > li{
    list-style:none;
    counter-increment: clause;
    margin-bottom:38px;
    scroll-margin-top:100px;
  }
  .legal-clauses > li > h2{
    font-size:19.5px;
    margin-bottom:12px;
    color:var(--blue-900);
    font-family:var(--font-head);
    display:flex;
    gap:10px;
  }
  .legal-clauses > li > h2::before{
    content: counter(clause) ".";
    color:var(--blue-600);
    flex-shrink:0;
  }
  .legal-clauses > li > p{ color:var(--ink); font-size:15.5px; line-height:1.75; margin-bottom:12px; }
  .legal-clauses > li > p b{ color:var(--blue-900); }
  .legal-clauses ol.sub-alpha{ margin:10px 0 14px 24px; }
  .legal-clauses ol.sub-alpha > li{ list-style:lower-alpha; font-size:15px; color:var(--ink); margin-bottom:9px; line-height:1.7; }
  .legal-clauses ol.sub-alpha ol{ margin:8px 0 8px 20px; }
  .legal-clauses ol.sub-alpha ol > li{ list-style:lower-roman; }
  .legal-clauses ol.sub-num{ margin:10px 0 14px 4px; }
  .legal-clauses ol.sub-num > li{
    list-style:none;
    margin-bottom:20px;
    padding-left:30px;
    position:relative;
  }
  .legal-clauses ol.sub-num > li > b.sub-title{
    display:block;
    color:var(--blue-900);
    font-family:var(--font-head);
    font-size:15.5px;
    margin-bottom:6px;
  }
  .legal-clauses ol.sub-num{ counter-reset:subnum; }
  .legal-clauses ol.sub-num > li{ counter-increment:subnum; }
  .legal-clauses ol.sub-num > li::before{
    content: counter(clause) "." counter(subnum);
    position:absolute; left:0; top:0;
    color:var(--blue-400);
    font-family:var(--font-head);
    font-size:14px;
  }
  .legal-clauses ol.sub-num > li p{ font-size:15px; color:var(--ink); line-height:1.7; margin-bottom:8px; }
  .section-divider{
    border:none; border-top:1.5px solid var(--blue-50); margin: 60px 0 48px;
  }
  .contact-box{
    background: var(--blue-25);
    border:1.5px solid var(--blue-50);
    border-radius: var(--radius-m);
    padding: 30px 32px;
    margin-top:52px;
  }
  .contact-box h3{ font-size:17px; margin-bottom:12px; }
  .contact-box p{ color:var(--ink-soft); font-size:15px; margin-bottom:6px; }
  .contact-box a{ color:var(--blue-600); font-weight:700; }

  /* ---------- FOOTER ---------- */
  footer{ background: var(--blue-900); color:rgba(255,255,255,0.75); padding-top:72px; }
  .footer-top{
    display:grid;
    grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
    gap:40px;
    padding-bottom:52px;
    border-bottom:1px solid rgba(255,255,255,0.12);
  }
  .footer-brand img{ height:44px; margin-bottom:16px; }
  .footer-brand p{ font-size:14px; max-width:280px; color:rgba(255,255,255,0.6); margin-bottom:20px; }
  .footer-social{ display:flex; gap:10px; }
  .footer-social a{
    width:36px; height:36px; border-radius:50%;
    background:rgba(255,255,255,0.08);
    display:flex; align-items:center; justify-content:center;
    transition: background .18s ease, transform .18s ease;
  }
  .footer-social a:hover{ background:var(--yellow-500); transform:translateY(-2px); }
  .footer-social a:hover svg path{ fill:var(--blue-900); }
  .footer-col h4{
    font-family:var(--font-head); color:var(--white); font-size:15px; margin-bottom:18px; letter-spacing:.02em;
  }
  .footer-col ul li{ margin-bottom:12px; }
  .footer-col ul li a{ font-size:14.5px; color:rgba(255,255,255,0.68); transition:color .15s ease; }
  .footer-col ul li a:hover{ color:var(--yellow-500); }
  .footer-contact-item{ display:flex; gap:10px; align-items:flex-start; margin-bottom:14px; font-size:14.5px; color:rgba(255,255,255,0.75); }
  .footer-disclaimer{
    padding: 34px 0;
    border-bottom:1px solid rgba(255,255,255,0.12);
  }
  .footer-disclaimer p{ font-size:12.5px; line-height:1.7; color:rgba(255,255,255,0.45); margin-bottom:10px; }
  .footer-bottom{
    display:flex; justify-content:space-between; align-items:center;
    padding:26px 0; flex-wrap:wrap; gap:14px;
  }
  .footer-bottom p{ font-size:13px; color:rgba(255,255,255,0.5); }
  .footer-bottom-links{ display:flex; gap:22px; }
  .footer-bottom-links a{ font-size:13px; color:rgba(255,255,255,0.5); }
  .footer-bottom-links a:hover{ color:var(--yellow-500); }

  /* ---------- RESPONSIVE ---------- */
  @media (max-width: 980px){
    nav.main-nav{ display:none; }
    .header-phone span{ display:none; }
    .footer-top{ grid-template-columns:1fr 1fr; }
    .toc ol{ columns:1; }
  }
  @media (max-width: 620px){
    .legal-content{ padding:56px 0 64px; }
    .legal-hero{ padding:56px 0 48px; }
    .footer-top{ grid-template-columns:1fr; }
    .contact-box{ padding:24px 22px; }
    .toc{ padding:22px 20px; }
    .legal-clauses ol.sub-num > li{ padding-left:0; padding-top:22px; }
    .legal-clauses ol.sub-num > li::before{ top:0; }
  }