:root {
  --blue: #2478ff;
  --blue-dark: #1355bd;
  --ink: #11213d;
  --muted: #5c6b82;
  --line: #dce5f0;
  --surface: #ffffff;
  --soft: #f4f8fd;
  --gold: #f3ad2f;
  --green: #17966c;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  color: var(--ink);
  background: var(--soft);
  font-family: "Avenir Next", "Segoe UI", Arial, sans-serif;
  font-size: 16px;
  line-height: 1.68;
}

a { color: var(--blue-dark); }

a:hover { text-decoration-thickness: 2px; text-underline-offset: 3px; }

.legal-topbar {
  position: sticky;
  top: 0;
  z-index: 10;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  min-height: 66px;
  padding: 10px max(24px, calc((100vw - 1120px) / 2));
  border-bottom: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.96);
}

.legal-brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--ink);
  font-weight: 850;
  text-decoration: none;
}

.legal-brand-mark {
  display: grid;
  place-items: center;
  width: 36px;
  height: 36px;
  border-radius: 7px;
  color: #fff;
  background: var(--blue);
  font-size: 0.72rem;
}

.legal-nav { display: flex; gap: 18px; font-size: 0.86rem; font-weight: 700; }
.legal-nav a { color: var(--muted); text-decoration: none; }
.legal-nav a[aria-current="page"] { color: var(--blue-dark); }

.legal-shell {
  display: grid;
  grid-template-columns: 230px minmax(0, 760px);
  gap: 46px;
  width: min(1120px, calc(100% - 40px));
  margin: 52px auto 72px;
}

.legal-aside { position: sticky; top: 96px; align-self: start; }
.legal-aside strong { display: block; margin-bottom: 10px; font-size: 0.82rem; text-transform: uppercase; color: var(--muted); }
.legal-aside a { display: block; padding: 5px 0; color: var(--muted); font-size: 0.9rem; text-decoration: none; }

.legal-content {
  padding: 42px 48px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--surface);
  box-shadow: 0 18px 50px rgba(27, 54, 89, 0.08);
}

.eyebrow {
  margin: 0 0 8px;
  color: var(--blue-dark);
  font-size: 0.78rem;
  font-weight: 800;
  text-transform: uppercase;
}

h1, h2, h3 { line-height: 1.18; letter-spacing: 0; }
h1 { margin: 0; font-size: 2.8rem; }
h2 { margin: 38px 0 12px; padding-top: 8px; font-size: 1.42rem; }
h3 { margin: 24px 0 8px; font-size: 1.02rem; }
p { margin: 0 0 16px; }
ul { margin: 0 0 18px; padding-left: 22px; }
li + li { margin-top: 7px; }

.effective { margin: 14px 0 28px; color: var(--muted); font-size: 0.9rem; }

.notice {
  margin: 24px 0;
  padding: 16px 18px;
  border-left: 4px solid var(--blue);
  background: #eef5ff;
}

.promise-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  margin: 20px 0 28px;
}

.promise {
  padding: 16px;
  border: 1px solid var(--line);
  border-radius: 7px;
  background: var(--soft);
}

.promise strong { display: block; margin-bottom: 3px; }
.promise span { color: var(--muted); font-size: 0.9rem; }

.provider-table { width: 100%; border-collapse: collapse; margin: 18px 0 26px; }
.provider-table th, .provider-table td { padding: 12px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
.provider-table th { color: var(--muted); font-size: 0.8rem; text-transform: uppercase; }

.contact-panel {
  margin-top: 28px;
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 7px;
  background: var(--soft);
}

.contact-button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  margin-top: 6px;
  padding: 0 16px;
  border-radius: 6px;
  color: #fff;
  background: var(--blue);
  font-weight: 800;
  text-decoration: none;
}

.legal-footer {
  display: flex;
  justify-content: space-between;
  gap: 24px;
  width: min(1120px, calc(100% - 40px));
  margin: 0 auto;
  padding: 26px 0 38px;
  border-top: 1px solid var(--line);
  color: var(--muted);
  font-size: 0.84rem;
}

.legal-footer-links { display: flex; flex-wrap: wrap; gap: 16px; }

@media (max-width: 820px) {
  .legal-topbar { position: static; flex-wrap: wrap; }
  .legal-nav { width: 100%; overflow-x: auto; }
  .legal-shell { grid-template-columns: 1fr; margin-top: 28px; }
  .legal-aside { display: none; }
  .legal-content { padding: 28px 22px; }
  h1 { font-size: 2.15rem; }
  .promise-grid { grid-template-columns: 1fr; }
  .provider-table { font-size: 0.88rem; }
  .legal-footer { flex-direction: column; }
}