:root {
  color-scheme: light;
  --ink: #14213d;
  --muted: #536176;
  --line: #d9e2ec;
  --paper: #ffffff;
  --wash: #f3f7fb;
  --blue: #0b63ce;
  --navy: #0b1f3a;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-size: 16px;
  line-height: 1.65;
}
a { color: var(--blue); text-underline-offset: 0.18em; }
a:hover { text-decoration-thickness: 2px; }
.shell { width: min(1120px, calc(100% - 40px)); margin: 0 auto; }
.site-header {
  border-bottom: 1px solid var(--line);
  background: rgba(255,255,255,.96);
}
.nav {
  min-height: 76px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
}
.brand {
  color: var(--navy);
  font-weight: 800;
  letter-spacing: -.02em;
  text-decoration: none;
}
.nav-links { display: flex; flex-wrap: wrap; gap: 22px; }
.nav-links a { color: var(--ink); font-weight: 650; text-decoration: none; }
.hero {
  padding: 84px 0 68px;
  background: linear-gradient(135deg, #f4f8fd 0%, #e8f2ff 55%, #f8fbff 100%);
  border-bottom: 1px solid var(--line);
}
.eyebrow {
  margin: 0 0 12px;
  color: var(--blue);
  font-size: .9rem;
  font-weight: 800;
  letter-spacing: .09em;
  text-transform: uppercase;
}
h1, h2, h3 { color: var(--navy); line-height: 1.2; letter-spacing: -.025em; }
h1 { margin: 0; max-width: 850px; font-size: clamp(2.35rem, 6vw, 4.6rem); }
.lede { max-width: 760px; margin: 24px 0 0; color: var(--muted); font-size: 1.2rem; }
.content { padding: 64px 0 84px; }
.grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 28px; }
.card {
  padding: 30px;
  border: 1px solid var(--line);
  border-radius: 18px;
  background: var(--paper);
  box-shadow: 0 12px 34px rgba(20,33,61,.06);
}
.card h2, .card h3 { margin-top: 0; }
.disclosure {
  margin: 24px 0 0;
  padding: 24px;
  border-left: 5px solid var(--blue);
  background: var(--wash);
  border-radius: 6px 14px 14px 6px;
}
.plain-list { padding-left: 1.25rem; }
.legal { width: min(820px, calc(100% - 40px)); margin: 0 auto; padding: 64px 0 88px; }
.legal h1 { font-size: clamp(2.2rem, 5vw, 3.8rem); }
.legal h2 { margin-top: 2.2rem; font-size: 1.45rem; }
.updated { color: var(--muted); }
.site-footer { padding: 30px 0; border-top: 1px solid var(--line); background: var(--wash); color: var(--muted); }
.footer-row { display: flex; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.footer-row nav { display: flex; gap: 18px; flex-wrap: wrap; }
strong { color: var(--navy); }

@media (max-width: 760px) {
  .nav { align-items: flex-start; flex-direction: column; padding: 18px 0; }
  .nav-links { gap: 14px 18px; }
  .hero { padding: 58px 0 48px; }
  .content { padding: 42px 0 64px; }
  .grid { grid-template-columns: 1fr; }
  .card { padding: 23px; }
}