:root{
  --navy:#16324F;--navy-deep:#0F2438;--teal:#2D7D8F;--teal-soft:#3E94A6;--sand:#E9E3D5;
  --sand-light:#F5F1E8;--slate:#5D6773;--white:#F8FAFC;--gold:#C6A15B;--gold-soft:#D8BC86;
  --ink:#16324F;--muted:#5D6773;--line:rgba(22,50,79,.12);--line-soft:rgba(22,50,79,.07);
  --bg:#FBFCFD;--card:#FFFFFF;--shadow-sm:0 2px 10px rgba(22,50,79,.06);
  --shadow-md:0 14px 34px -12px rgba(22,50,79,.16);--r:16px;
  --serif:'Cormorant Garamond',Georgia,serif;--sans:'Hanken Grotesk',-apple-system,BlinkMacSystemFont,sans-serif;
  --ease:cubic-bezier(.22,.61,.36,1);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:inherit;text-decoration:none}
img{display:block;max-width:100%}
::selection{background:var(--gold);color:var(--navy)}
.wrap{max-width:1200px;margin:0 auto;padding:0 28px}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.1;letter-spacing:-.01em;color:var(--navy)}
.skip-link{position:absolute;left:-9999px;top:0;z-index:200;background:var(--navy);color:#fff;padding:12px 20px;border-radius:0 0 10px 0;font-weight:700;font-size:14px}
.skip-link:focus{left:0}
a:focus-visible,button:focus-visible{outline:3px solid var(--teal);outline-offset:3px;border-radius:6px}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:10px;font-family:var(--sans);font-weight:700;font-size:15.5px;padding:13px 24px;border-radius:11px;cursor:pointer;border:1.5px solid transparent;transition:transform .25s var(--ease),box-shadow .25s var(--ease),background .25s var(--ease),color .25s var(--ease);white-space:nowrap}
.btn svg{transition:transform .3s var(--ease)}
.btn:hover svg{transform:translateX(4px)}
.btn-primary{background:var(--navy);color:#fff;box-shadow:0 12px 26px -12px rgba(22,50,79,.55)}
.btn-primary:hover{background:var(--navy-deep);transform:translateY(-2px)}

/* Header */
header{position:fixed;top:0;left:0;right:0;z-index:100;background:rgba(251,252,253,.9);backdrop-filter:blur(14px);border-bottom:1px solid transparent;transition:all .35s var(--ease)}
header.scrolled{background:rgba(251,252,253,.97);border-bottom-color:var(--line-soft);box-shadow:0 4px 20px -10px rgba(22,50,79,.18)}
.nav{display:flex;align-items:center;justify-content:space-between;height:80px}
.logo{display:flex;align-items:center;gap:13px}
.logo .mark{width:42px;height:auto;flex-shrink:0}
.logo .word{display:flex;flex-direction:column;line-height:1}
.logo .word b{font-family:var(--serif);font-weight:600;font-size:25px;color:var(--navy)}
.logo .word span{font-family:var(--sans);font-size:8.5px;font-weight:700;letter-spacing:.2em;color:var(--teal);text-transform:uppercase;margin-top:3px}
.nav-links{display:flex;align-items:center;gap:34px;list-style:none}
.nav-links a{font-weight:600;font-size:15.5px;color:var(--navy);position:relative;padding:6px 0;transition:color .2s}
.nav-links a::after{content:"";position:absolute;left:0;bottom:0;width:0;height:2px;background:var(--gold);transition:width .3s var(--ease)}
.nav-links a:hover{color:var(--teal)}
.nav-links a:hover::after{width:100%}
.nav-cta{display:flex;align-items:center;gap:14px}
.nav-cta .btn{padding:12px 22px}
.burger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:8px}
.burger span{width:24px;height:2px;background:var(--navy);border-radius:2px;transition:.3s var(--ease)}
.burger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger.open span:nth-child(2){opacity:0}
.burger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* Page head */
.page-head{position:relative;padding:140px 0 56px;background:radial-gradient(800px 400px at 80% 0%,rgba(45,125,143,.12),transparent 60%),linear-gradient(180deg,#fff,var(--bg))}
.back-link{display:inline-flex;align-items:center;gap:7px;font-size:14px;font-weight:700;color:var(--teal);margin-bottom:18px}
.back-link svg{width:15px;height:15px;transform:rotate(180deg)}
.page-head h1{font-size:clamp(38px,5vw,58px)}
.page-head .gold-rule{display:block;width:90px;height:4px;background:var(--gold);border-radius:3px;margin:22px 0 0}
.lp-meta{margin-top:20px;font-size:14px;color:var(--muted);font-weight:500}
.lp-meta strong{color:var(--navy)}

/* Legal content */
.legal{padding:48px 0 90px}
.legal .inner{max-width:820px}
.callout{background:var(--sand-light);border-left:4px solid var(--gold);border-radius:10px;padding:22px 26px;margin-bottom:40px}
.callout p{color:var(--navy);font-size:16px;line-height:1.6}
.callout.important{background:#FBF3E7;border-left-color:var(--gold)}
.callout strong{color:var(--navy)}
.legal h2{font-size:clamp(24px,3vw,32px);margin:44px 0 16px;padding-top:8px}
.legal h2:first-of-type{margin-top:0}
.legal h2 .num{color:var(--gold);font-size:.8em;margin-right:10px;font-family:var(--sans);font-weight:800}
.legal h3{font-family:var(--sans);font-size:17px;font-weight:700;color:var(--navy);margin:24px 0 8px}
.legal p{margin-bottom:16px;color:#33414f}
.legal ul{list-style:none;margin:0 0 20px}
.legal li{position:relative;padding-left:26px;margin-bottom:10px;color:#33414f}
.legal li::before{content:"";position:absolute;left:4px;top:11px;width:7px;height:7px;border-radius:50%;background:var(--teal)}
.legal a{color:var(--teal);font-weight:600;border-bottom:1px solid rgba(45,125,143,.3)}
.legal a:hover{color:var(--navy)}
.legal strong{color:var(--navy);font-weight:700}
.legal .contact-box{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:26px 28px;margin-top:24px;box-shadow:var(--shadow-sm)}
.legal .contact-box p{margin-bottom:6px}

/* Footer */
footer{background:var(--navy-deep);color:rgba(248,250,252,.7);padding:72px 0 0}
.f-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.1fr;gap:44px}
.f-brand .flogo{display:flex;align-items:center;gap:12px;margin-bottom:18px}
.f-brand .flogo .fmark{width:40px;height:auto}
.f-brand .flogo b{font-family:var(--serif);font-size:24px;font-weight:600;color:#fff}
.f-brand p{font-size:14.5px;line-height:1.7;max-width:300px;color:rgba(248,250,252,.62)}
.f-col h4{font-family:var(--sans);font-size:12.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-soft);margin-bottom:18px}
.f-col ul{list-style:none;display:flex;flex-direction:column;gap:11px}
.f-col a{font-size:14.5px;color:rgba(248,250,252,.72);transition:color .2s}
.f-col a:hover{color:#fff}
.f-contact a{display:inline-flex;align-items:center;gap:9px}
.f-contact svg{width:16px;height:16px;color:var(--teal-soft)}
.disclaimer{border-top:1px solid rgba(255,255,255,.1);margin-top:56px;padding:26px 0;font-size:12.5px;line-height:1.65;color:rgba(248,250,252,.5);max-width:880px}
.f-bottom{border-top:1px solid rgba(255,255,255,.1);padding:22px 0;display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap}
.f-bottom p{font-size:13px;color:rgba(248,250,252,.55)}
.f-bottom .f-legal{display:flex;gap:24px;flex-wrap:wrap}
.f-bottom .f-legal a{font-size:13px;color:rgba(248,250,252,.6)}
.f-bottom .f-legal a:hover{color:#fff}

@media (max-width:768px){
  body{font-size:16px}
  .nav-links{position:fixed;top:80px;left:0;right:0;background:rgba(251,252,253,.98);backdrop-filter:blur(14px);flex-direction:column;align-items:flex-start;gap:0;padding:8px 28px 24px;box-shadow:0 20px 40px -16px rgba(22,50,79,.25);border-top:1px solid var(--line-soft);transform:translateY(-12px);opacity:0;pointer-events:none;transition:.3s var(--ease)}
  .nav-links.open{transform:none;opacity:1;pointer-events:auto}
  .nav-links a{width:100%;padding:14px 0;border-bottom:1px solid var(--line-soft);font-size:16px}
  .nav-links a::after{display:none}
  .burger{display:flex}
  .nav-go{display:none}
  .page-head{padding:120px 0 44px}
  .f-grid{grid-template-columns:1fr 1fr;gap:34px}
  .f-brand{grid-column:1/-1}
  .f-bottom{flex-direction:column;align-items:flex-start}
}
@media (max-width:480px){.wrap{padding:0 20px}.f-grid{grid-template-columns:1fr}}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}