:root {
  --bg: #f5f5f7;
  --card: #ffffff;
  --text: #1d1d1f;
  --muted: #6e6e73;
  --border: rgba(0,0,0,0.09);
  --primary: #1254a1;
  --primary-dark: #0e4488;
  --primary-light: #e8f0fb;
  --gray-50: #f5f5f7;
  --gray-100: #e8e8ed;
  --gray-200: #d2d2d7;
  --gray-500: #6e6e73;
  --gray-700: #2c2c2e;
  --gray-800: #1d1d1f;
  --font-body: 'DM Sans', -apple-system, BlinkMacSystemFont, "Helvetica Neue", Arial, sans-serif;
  --font-display: var(--font-body);
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: var(--font-body);
  background: var(--bg);
  color: var(--text);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

h1, h2, h3 {
  font-family: var(--font-display);
}

.navbar {
  background: var(--gray-800);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 1px 0 rgba(255,255,255,0.06);
}

.navbar-inner {
  max-width: 980px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 24px;
  height: 58px;
  gap: 12px;
}

.nav-brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}

.nav-brand img {
  height: 54px;
  width: auto;
  display: block;
  flex-shrink: 0;
  opacity: 0.92;
}

.nav-brand-text {
  font-size: 14px;
  font-weight: 600;
  color: rgba(255,255,255,0.85);
  letter-spacing: -0.022em;
  white-space: nowrap;
}

.wrap {
  max-width: 860px;
  margin: 0 auto;
  padding: 32px 24px 44px;
}

.hero {
  border: 1px solid var(--border);
  border-radius: 18px;
  background: var(--card);
  padding: 28px;
  margin-bottom: 18px;
  box-shadow: 0 2px 12px rgba(0,0,0,0.04);
}

.eyebrow {
  margin: 0 0 8px;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--primary);
}

h1 {
  margin: 0 0 8px;
  font-size: 32px;
  line-height: 1.1;
  letter-spacing: -0.035em;
  color: var(--text);
}

.effective-date {
  margin: 0;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.5;
}

.legal-section {
  border: 1px solid var(--border);
  border-radius: 14px;
  background: var(--card);
  padding: 22px 24px;
  margin-bottom: 12px;
}

.legal-section h2 {
  margin: 0 0 10px;
  font-size: 18px;
  line-height: 1.25;
  letter-spacing: -0.02em;
  color: var(--gray-800);
}

.legal-section p,
.legal-section li {
  color: var(--gray-700);
  font-size: 15px;
  line-height: 1.65;
}

.legal-section p {
  margin: 0 0 10px;
}

.legal-section p:last-child {
  margin-bottom: 0;
}

.legal-section ul {
  margin: 8px 0 0;
  padding-left: 22px;
}

.legal-section li {
  margin-bottom: 5px;
}

.contact-link {
  color: var(--primary);
  font-weight: 700;
  text-decoration: none;
}

.contact-link:hover {
  text-decoration: underline;
}

.page-footer {
  display: flex;
  justify-content: center;
  padding: 18px 0 4px;
}

.home-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 38px;
  padding: 8px 16px;
  border: 1.5px solid var(--gray-200);
  border-radius: 980px;
  color: var(--primary);
  background: var(--primary-light);
  text-decoration: none;
  font-size: 14px;
  font-weight: 700;
}

.home-link:hover {
  border-color: rgba(18,84,161,0.28);
  background: #dbe9fa;
}

@media (max-width: 640px) {
  .navbar-inner {
    padding: 0 16px;
  }

  .nav-brand-text {
    white-space: normal;
    line-height: 1.2;
  }

  .wrap {
    padding: 22px 14px 36px;
  }

  .hero {
    padding: 22px 18px;
    border-radius: 16px;
  }

  h1 {
    font-size: 28px;
  }

  .legal-section {
    padding: 18px 16px;
  }
}