:root{
  --navy:#12182E;--navy-2:#232F58;--cream:#FAF5EA;--paper:#FFFFFF;--ink:#201C16;--ink-soft:#4A453C;
  --gold:#BD8A2E;--gold-light:#E7BE6E;--gold-deep:#7A5716;--teal:#1F6B5C;--teal-deep:#153F38;--line:#E4DBC8;--radius:2px;
}
*{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;scroll-padding-top:150px;}
body{background:var(--cream);color:var(--ink);font-family:'Inter',sans-serif;font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased;}
h1,h2,h3,.serif{font-family:'Fraunces',serif;}
a{color:var(--teal);}
a:hover{color:var(--gold-deep);}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px;}
.wrap{max-width:1180px;margin:0 auto;padding:0 32px;}
@media (max-width:640px){.wrap{padding:0 20px;}}

header.site{position:sticky;top:0;z-index:50;background:rgba(250,245,234,0.94);backdrop-filter:blur(6px);-webkit-backdrop-filter:blur(6px);border-bottom:1px solid var(--line);}
.navrow{display:flex;align-items:center;justify-content:space-between;gap:20px;height:68px;}
.brand{font-family:'Fraunces',serif;font-weight:600;font-size:1.25rem;letter-spacing:0.01em;color:var(--navy);text-decoration:none;white-space:nowrap;}
nav.links{display:flex;gap:2px;font-size:0.92rem;font-weight:500;}
nav.links a{position:relative;text-decoration:none;color:var(--ink-soft);padding:8px 10px;white-space:nowrap;transition:color .15s;}
nav.links a:hover{color:var(--gold);}
nav.links a[aria-current]{color:var(--navy);font-weight:600;}
nav.links a[aria-current]::after{content:"";position:absolute;left:10px;right:10px;bottom:2px;height:2px;background:var(--gold);}
.nav-actions{display:flex;align-items:center;gap:10px;}
.nav-cta{background:var(--navy);color:var(--cream);padding:10px 20px;border-radius:var(--radius);font-weight:600;font-size:0.88rem;text-decoration:none;white-space:nowrap;}
.nav-cta:hover{background:var(--navy-2);color:var(--cream);}
.nav-toggle{display:none;align-items:center;justify-content:center;gap:8px;height:44px;padding:0 14px;border:1px solid var(--line);background:var(--paper);color:var(--navy);border-radius:var(--radius);font:600 0.88rem 'Inter',sans-serif;cursor:pointer;}
.nav-toggle svg{width:20px;height:20px;}
.nav-toggle .i-close{display:none;}
.nav-toggle[aria-expanded="true"] .i-open{display:none;}
.nav-toggle[aria-expanded="true"] .i-close{display:block;}
nav.links a:focus-visible,.nav-toggle:focus-visible,.nav-cta:focus-visible,.brand:focus-visible{outline:2px solid var(--gold);outline-offset:2px;}
@media (max-width:1240px){
  .nav-toggle{display:inline-flex;}
  nav.links{position:fixed;top:68px;left:0;right:0;flex-direction:column;gap:0;background:var(--cream);border-bottom:1px solid var(--line);box-shadow:0 24px 40px -20px rgba(18,24,46,.35);padding:6px 20px 18px;max-height:calc(100vh - 68px);overflow-y:auto;font-size:1.05rem;visibility:hidden;opacity:0;transform:translateY(-8px);transition:opacity .18s,transform .18s,visibility 0s .18s;}
  header.site.open nav.links{visibility:visible;opacity:1;transform:none;transition:opacity .18s,transform .18s;}
  nav.links a{display:flex;align-items:center;min-height:54px;padding:12px 4px;border-bottom:1px solid var(--line);color:var(--navy);}
  nav.links a:last-child{border-bottom:0;}
  nav.links a[aria-current]::after{left:auto;right:6px;top:50%;bottom:auto;width:8px;height:8px;border-radius:50%;transform:translateY(-50%);}
}
@media (max-width:480px){
  .brand{font-size:1.08rem;}
  .cta-long,.nav-toggle .lbl{display:none;}
  .nav-cta{padding:10px 14px;}
  .nav-toggle{width:44px;padding:0;}
}

html{scroll-padding-top:150px;}

.page-hero{background:var(--navy);color:#F3EFE3;padding:72px 0 64px;}
.page-hero .kicker{font-family:'Fraunces',serif;font-style:italic;color:var(--gold-light);font-size:1.05rem;font-weight:500;margin-bottom:10px;}
.page-hero h1{font-size:clamp(2.3rem,5vw,3.8rem);font-weight:700;line-height:1.02;color:#FFFDF7;max-width:20ch;}
.page-hero p{margin-top:18px;font-size:1.08rem;color:#D9D4E6;max-width:60ch;text-wrap:pretty;}
.page-hero .meta{margin-top:22px;font-size:0.85rem;color:var(--gold-light);}

footer{border-top:1px solid var(--line);padding:44px 0 32px;margin-top:40px;}
.footer-row{display:flex;justify-content:space-between;flex-wrap:wrap;gap:18px;font-size:0.85rem;color:var(--ink-soft);}
.footer-brand{font-family:'Fraunces',serif;color:var(--navy);font-weight:600;}
.footer-links{display:flex;flex-wrap:wrap;gap:8px 24px;margin-top:20px;font-size:0.85rem;}
.footer-links a{color:var(--navy);text-decoration:none;font-weight:500;}
.footer-links a:hover{color:var(--gold-deep);text-decoration:underline;}
.footer-disclaimer{margin-top:22px;font-size:0.78rem;color:#6E695C;max-width:80ch;line-height:1.6;}

/* legal documents */
.doc{display:grid;grid-template-columns:220px minmax(0,1fr);gap:64px;padding-top:64px;padding-bottom:24px;align-items:start;}
@media (max-width:860px){.doc{grid-template-columns:1fr;gap:28px;padding-top:40px;}}
.toc{position:sticky;top:96px;font-size:0.88rem;}
.toc b{display:block;font-size:0.75rem;letter-spacing:0.12em;text-transform:uppercase;color:var(--ink-soft);margin-bottom:12px;}
.toc ol{list-style:none;display:flex;flex-direction:column;gap:8px;}
.toc a{color:var(--ink-soft);text-decoration:none;}
.toc a:hover{color:var(--gold-deep);}
@media (max-width:860px){.toc{position:static;}}
.doc-body{max-width:68ch;}
.doc-body section{padding-bottom:36px;}
.doc-body h2{font-size:1.5rem;color:var(--navy);line-height:1.2;margin-bottom:12px;}
.doc-body h3{font-size:1.1rem;color:var(--navy);margin:20px 0 6px;}
.doc-body p,.doc-body li{color:var(--ink);text-wrap:pretty;}
.doc-body p+p{margin-top:12px;}
.doc-body ul{margin:10px 0 0 20px;display:flex;flex-direction:column;gap:6px;}
.plain{background:var(--paper);border:1px solid var(--line);padding:24px 28px;margin-bottom:44px;}
.plain h2{font-size:1.25rem;margin-bottom:10px;}
.plain ul{margin-left:20px;}
.fill{background:#FBEFD3;color:var(--gold-deep);font-weight:600;padding:0 4px;}