:root{
      --teal:#075866;
      --teal-2:#0b6d7b;
      --teal-3:#e7f4f6;
      --navy:#08233f;
      --ink:#183246;
      --muted:#637888;
      --line:#cce1e5;
      --cream:#fbfaf6;
      --shadow:0 24px 70px rgba(8,35,63,.16);
      --max:1180px;
    }
    *{box-sizing:border-box}
    html{scroll-behavior:smooth;max-width:100%;overflow-x:clip;scroll-padding-top:92px}
    body{
      margin:0;
      max-width:100%;
      overflow-x:clip;
      font-family:Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
      color:var(--ink);
      background:linear-gradient(180deg,var(--cream),#fff 42%,var(--teal-3));
      line-height:1.65;
    }
    a{color:var(--teal);text-decoration:none;font-weight:700}
    a:hover{text-decoration:underline}
    .container{width:min(var(--max),calc(100% - 40px));margin-inline:auto}
    .topbar{
      position:fixed;top:0;left:0;right:0;z-index:50;
      background:rgba(251,250,246,.88);backdrop-filter:blur(18px);
      border-bottom:1px solid rgba(204,225,229,.8)
    }
    body{padding-top:76px}
    .nav{height:76px;display:flex;align-items:center;justify-content:space-between;gap:20px}
    .brand{display:flex;align-items:center;gap:12px;font-weight:850;color:var(--navy);letter-spacing:.02em;white-space:nowrap;flex:0 0 auto}
    .brand>span:last-child{line-height:1.6}
    .brand-mark{width:48px;height:48px;border-radius:50%;background:var(--teal);display:grid;place-items:center;color:#fff;box-shadow:0 10px 25px rgba(7,88,102,.25)}
    .brand-mark svg{width:31px;height:31px}
    .brand small{display:block;font-size:.72rem;color:var(--teal);font-weight:800;letter-spacing:.14em;text-transform:uppercase;margin-top:-3px;white-space:nowrap}
    .btn{display:inline-flex;align-items:center;gap:8px;border:0;border-radius:999px;padding:12px 20px;font-weight:850;background:var(--teal);color:#fff}
    .btn:hover{background:#064c58;text-decoration:none}

    @media(max-width:720px){
      .container{width:calc(100% - 24px)}
      body{padding-top:70px}
      html{scroll-padding-top:70px}
      .nav{height:auto;padding:12px 0;align-items:flex-start;gap:12px}
      .brand span{font-size:.95rem;white-space:nowrap}
      .brand-mark{width:42px;height:42px}
    }

    main{padding:52px 0 70px}
    .legal-card{background:#fff;border:1px solid var(--line);border-radius:32px;padding:44px;box-shadow:var(--shadow)}
    h1{font-size:clamp(1.9rem,4vw,2.6rem);color:var(--navy);letter-spacing:-.03em;margin:0 0 8px}
    .kicker{color:var(--teal);font-weight:900;text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;margin-bottom:10px}
    h2{font-size:1.2rem;color:var(--navy);margin:34px 0 10px}
    h3{font-size:1.02rem;color:var(--navy);margin:20px 0 8px}
    p{margin:0 0 12px;color:#3f5563}
    ul{margin:0 0 12px;padding-left:20px;color:#3f5563}
    li{margin-bottom:4px}
    .placeholder{
      background:#fff6e0;
      border:1px dashed #d5b947;
      border-radius:10px;
      padding:2px 8px;
      color:#7a5c00;
      font-weight:700;
      font-style:normal;
    }
    .note{
      background:var(--teal-3);
      border:1px solid var(--line);
      border-radius:18px;
      padding:16px 20px;
      color:var(--ink);
      font-size:.92rem;
      margin-bottom:8px;
    }
    .back-link{display:inline-block;margin-top:30px}

    footer{padding:24px 0 32px;text-align:center;color:var(--muted);font-size:.85rem}
    footer a{color:var(--teal)}