:root {
  --bg: #ffffff;
  --surface: #f7f9fc;
  --surface-strong: #eef2f8;
  --navy: #17325f;
  --navy-mid: #2c4f8f;
  --gold: #b8801f;
  --gold-light: #d39f4c;
  --text: #10203b;
  --muted: #5e6980;
  --border: rgba(23, 50, 95, 0.12);
  --shadow: 0 24px 70px rgba(23, 50, 95, 0.09);
}

*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  color: var(--text);
  background:
    radial-gradient(circle at 8% 0%, rgba(211, 159, 76, 0.13), transparent 25rem),
    radial-gradient(circle at 94% 8%, rgba(23, 50, 95, 0.08), transparent 30rem),
    var(--bg);
  font-family: 'Outfit', sans-serif;
  font-weight: 300;
  line-height: 1.7;
}

a { color: inherit; }

.skip-link {
  position: fixed;
  top: -60px;
  left: 1rem;
  z-index: 100;
  padding: 0.75rem 1rem;
  border-radius: 8px;
  background: var(--gold);
  color: #111827;
  font-weight: 600;
  text-decoration: none;
  transition: top 0.2s ease;
}

.skip-link:focus { top: 1rem; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  display: flex;
  min-height: 88px;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  padding: 0 clamp(1.25rem, 5vw, 4rem);
  border-bottom: 1px solid var(--border);
  background: rgba(255, 255, 255, 0.9);
  backdrop-filter: blur(18px);
}

.site-logo {
  display: inline-flex;
  align-items: center;
  text-decoration: none;
}

.site-logo img {
  display: block;
  width: min(250px, 48vw);
  height: 82px;
  object-fit: contain;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 1.35rem;
}

.site-nav a {
  color: var(--muted);
  font-size: 0.82rem;
  font-weight: 500;
  letter-spacing: 0.05em;
  text-decoration: none;
  text-transform: uppercase;
}

.site-nav a:hover,
.site-nav a:focus-visible { color: var(--gold); }

.site-nav .primary-link {
  padding: 0.7rem 1rem;
  border-radius: 8px;
  background: linear-gradient(135deg, var(--gold), #c99535);
  color: #14181f;
  font-weight: 600;
}

.legal-shell {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(230px, 300px);
  gap: clamp(2.5rem, 6vw, 5rem);
  width: min(1160px, calc(100% - 2.5rem));
  margin: 0 auto;
  padding: clamp(4rem, 8vw, 7rem) 0;
}

.legal-main { min-width: 0; }

.breadcrumb {
  margin: 0 0 1rem;
  color: var(--gold);
  font-size: 0.77rem;
  font-weight: 500;
  letter-spacing: 0.15em;
  text-transform: uppercase;
}

.breadcrumb a { text-decoration: none; }
.breadcrumb a:hover { color: var(--navy); }

h1, h2, h3 {
  margin-top: 0;
  color: var(--text);
  font-family: 'Cormorant Garamond', serif;
  font-weight: 400;
  letter-spacing: -0.02em;
  line-height: 1.08;
}

h1 {
  max-width: 820px;
  margin-bottom: 1.15rem;
  font-size: clamp(3rem, 6vw, 5.6rem);
}

h2 {
  margin-bottom: 1rem;
  font-size: clamp(1.75rem, 3vw, 2.35rem);
}

h3 { font-size: 1.35rem; }

.lede {
  max-width: 720px;
  margin: 0;
  color: var(--muted);
  font-size: 1.08rem;
}

.policy-meta {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
  margin: 2.2rem 0 3.5rem;
  padding: 1.25rem;
  border: 1px solid var(--border);
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.74);
  box-shadow: var(--shadow);
}

.policy-meta div:last-child { grid-column: 1 / -1; }

.policy-meta dt {
  color: var(--muted);
  font-size: 0.7rem;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.policy-meta dd {
  margin: 0.25rem 0 0;
  color: var(--text);
  font-weight: 400;
}

.policy-section {
  padding: 2.4rem 0;
  border-top: 1px solid var(--border);
  scroll-margin-top: 110px;
}

.policy-section:first-of-type { border-top: 0; }

.policy-section p,
.policy-section li { color: var(--muted); }

.policy-section p { margin: 0 0 1rem; }
.policy-section p:last-child { margin-bottom: 0; }
.policy-section ul { margin: 1rem 0; padding-left: 1.3rem; }
.policy-section li + li { margin-top: 0.55rem; }
.policy-section strong { color: var(--text); font-weight: 500; }
.policy-section a { color: var(--navy-mid); text-underline-offset: 3px; }

.policy-aside {
  position: sticky;
  top: 118px;
  align-self: start;
  padding: 1.4rem;
  border: 1px solid var(--border);
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.78);
  box-shadow: var(--shadow);
}

.aside-title {
  margin: 0 0 0.8rem;
  color: var(--gold);
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.policy-list { margin: 0; padding: 0; list-style: none; }

.policy-list li { border-top: 1px solid var(--border); }
.policy-list li:last-child { border-bottom: 1px solid var(--border); }

.policy-list a {
  display: block;
  padding: 0.78rem 0;
  color: var(--text);
  font-size: 0.9rem;
  line-height: 1.35;
  text-decoration: none;
}

.policy-list a:hover,
.policy-list a[aria-current='page'] { color: var(--gold); }

.review-note {
  margin: 1.2rem 0 0;
  color: var(--muted);
  font-size: 0.75rem;
  line-height: 1.55;
}

.trust-intro {
  width: min(1040px, calc(100% - 2.5rem));
  margin: 0 auto;
  padding: clamp(4rem, 8vw, 7rem) 0 2rem;
}

.trust-groups {
  width: min(1040px, calc(100% - 2.5rem));
  margin: 0 auto;
  padding: 0 0 clamp(4rem, 8vw, 7rem);
}

.policy-group + .policy-group { margin-top: clamp(3rem, 6vw, 4.5rem); }

.group-eyebrow {
  margin: 0 0 0.35rem;
  color: var(--gold);
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.15em;
  text-transform: uppercase;
}

.group-title { margin: 0 0 0.6rem; font-size: clamp(1.6rem, 3vw, 2.1rem); }

.policy-row {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 22rem);
  gap: 2rem;
  align-items: start;
  padding: 1.5rem 0;
  border-top: 1px solid var(--border);
  text-decoration: none;
  transition: color 0.2s ease;
}

.policy-row:last-child { border-bottom: 1px solid var(--border); }

.row-name {
  color: var(--text);
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.4rem;
  line-height: 1.2;
}

.row-desc {
  color: var(--muted);
  font-size: 0.9rem;
  line-height: 1.5;
  text-align: right;
}

.policy-row:hover .row-name,
.policy-row:focus-visible .row-name { color: var(--gold); }

.legal-footer {
  padding: 2.5rem clamp(1.25rem, 5vw, 4rem);
  border-top: 1px solid var(--border);
  background: var(--surface);
}

.legal-footer-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
  width: min(1160px, 100%);
  margin: 0 auto;
}

.legal-footer img { width: 190px; height: 66px; object-fit: contain; }

.legal-footer-links {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 0.75rem 1.25rem;
}

.legal-footer-links a {
  color: var(--muted);
  font-size: 0.8rem;
  text-decoration: none;
}

.legal-footer-links a:hover { color: var(--gold); }

.copyright {
  width: min(1160px, 100%);
  margin: 1.5rem auto 0;
  padding-top: 1.25rem;
  border-top: 1px solid var(--border);
  color: var(--muted);
  font-size: 0.75rem;
  text-align: center;
}

@media (max-width: 860px) {
  .site-nav a:not(.primary-link) { display: none; }
  .legal-shell { grid-template-columns: 1fr; }
  .policy-aside { position: static; }
  .policy-row { grid-template-columns: 1fr; gap: 0.5rem; }
  .row-desc { text-align: left; }
}

@media (max-width: 580px) {
  .site-header { min-height: 74px; padding-inline: 1rem; }
  .site-logo img { width: 185px; height: 66px; }
  .site-nav .primary-link { padding: 0.6rem 0.75rem; font-size: 0.7rem; }
  .legal-shell, .trust-intro, .trust-groups { width: min(100% - 2rem, 1160px); }
  .policy-meta { grid-template-columns: 1fr; }
  .policy-meta div:last-child { grid-column: auto; }
  .legal-footer-inner { flex-direction: column; align-items: flex-start; }
  .legal-footer-links { justify-content: flex-start; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: 0.01ms !important; }
}