:root {
  --ink: #101828;
  --muted: #526174;
  --line: #dce3ea;
  --paper: #ffffff;
  --wash: #f5f8fb;
  --navy: #0b1629;
  --orange: #ff7a30;
  --blue: #0088cc;
  --content: 1180px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: "Open Sans", Arial, sans-serif;
  font-size: 16px;
  line-height: 1.72;
  letter-spacing: 0;
}

a {
  color: var(--blue);
  text-decoration-thickness: 1px;
  text-underline-offset: 3px;
}

a:hover {
  color: #006da3;
}

a:focus-visible {
  outline: 3px solid rgba(0, 136, 204, 0.35);
  outline-offset: 4px;
}

h1,
h2,
h3 {
  margin: 0;
  font-family: "Montserrat", Arial, sans-serif;
  letter-spacing: 0;
}

h1 {
  max-width: 820px;
  color: #ffffff;
  font-size: clamp(2.2rem, 6vw, 4.65rem);
  line-height: 1.02;
}

h2 {
  margin-bottom: 1rem;
  color: var(--navy);
  font-size: clamp(1.35rem, 3vw, 1.85rem);
  line-height: 1.25;
}

h3 {
  margin: 1.4rem 0 0.55rem;
  color: var(--navy);
  font-size: 1.05rem;
}

p {
  margin: 0 0 1rem;
}

ul,
ol {
  margin: 0 0 1rem;
  padding-left: 1.35rem;
}

li {
  margin: 0.45rem 0;
}

.wrap {
  width: min(var(--content), calc(100% - 40px));
  margin: 0 auto;
}

.site-header {
  background: var(--navy);
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

.header-inner {
  min-height: 78px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

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

.brand img {
  width: auto;
  height: 44px;
  max-width: 175px;
  object-fit: contain;
  filter: brightness(0) invert(1);
}

.home-link {
  color: #ffffff;
  font-weight: 700;
  text-decoration: none;
}

.home-link:hover {
  color: #ffffff;
  text-decoration: underline;
}

.policy-hero {
  position: relative;
  overflow: hidden;
  padding: 82px 0 70px;
  background:
    linear-gradient(100deg, rgba(255, 122, 48, 0.98), rgba(255, 122, 48, 0.78) 46%, rgba(0, 136, 204, 0.9)),
    url("/assets/hero-customer.jpg") center 38% / cover;
}

.policy-hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.08) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.08) 1px, transparent 1px);
  background-size: 44px 44px;
  pointer-events: none;
}

.policy-hero .wrap {
  position: relative;
  z-index: 1;
}

.eyebrow {
  margin-bottom: 1rem;
  color: #ffffff;
  font-family: "Montserrat", Arial, sans-serif;
  font-size: 0.78rem;
  font-weight: 800;
  text-transform: uppercase;
}

.updated {
  margin: 1.1rem 0 0;
  color: rgba(255, 255, 255, 0.9);
  font-weight: 600;
}

.legal-layout {
  display: grid;
  grid-template-columns: minmax(190px, 250px) minmax(0, 780px);
  gap: clamp(42px, 8vw, 96px);
  align-items: start;
  padding: 64px 0 88px;
}

.toc {
  position: sticky;
  top: 24px;
}

.toc-title {
  margin-bottom: 0.8rem;
  color: var(--muted);
  font-family: "Montserrat", Arial, sans-serif;
  font-size: 0.75rem;
  font-weight: 800;
  text-transform: uppercase;
}

.toc a {
  display: block;
  padding: 0.42rem 0 0.42rem 14px;
  color: #405066;
  border-left: 2px solid var(--line);
  font-size: 0.9rem;
  font-weight: 600;
  text-decoration: none;
}

.toc a:hover {
  color: var(--orange);
  border-left-color: var(--orange);
}

.legal-content section {
  padding: 0 0 2.15rem;
  margin: 0 0 2.15rem;
  border-bottom: 1px solid var(--line);
  scroll-margin-top: 24px;
}

.legal-content section:last-child {
  margin-bottom: 0;
  border-bottom: 0;
}

.lead {
  color: #334155;
  font-size: 1.08rem;
}

.notice {
  margin: 1.4rem 0;
  padding: 1.1rem 1.25rem;
  background: #eef8fd;
  border-left: 4px solid var(--blue);
  color: #244156;
}

.warning {
  background: #fff5ef;
  border-left-color: var(--orange);
  color: #5e3420;
}

.contact-band {
  padding: 48px 0;
  background: var(--wash);
  border-top: 1px solid var(--line);
}

.contact-band h2 {
  margin-bottom: 0.7rem;
}

.contact-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 28px;
  margin-top: 1.5rem;
}

.contact-label {
  display: block;
  margin-bottom: 0.25rem;
  color: var(--muted);
  font-size: 0.76rem;
  font-weight: 800;
  text-transform: uppercase;
}

.site-footer {
  padding: 28px 0;
  background: var(--navy);
  color: #aeb8c6;
  font-size: 0.88rem;
}

.footer-inner {
  display: flex;
  justify-content: space-between;
  gap: 24px;
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
}

.site-footer a {
  color: #ffffff;
}

@media (max-width: 760px) {
  .wrap {
    width: min(100% - 28px, var(--content));
  }

  .header-inner {
    min-height: 70px;
  }

  .brand img {
    height: 38px;
    max-width: 150px;
  }

  .home-link {
    font-size: 0.88rem;
  }

  .policy-hero {
    padding: 58px 0 52px;
  }

  .legal-layout {
    grid-template-columns: 1fr;
    gap: 32px;
    padding: 42px 0 64px;
  }

  .toc {
    position: static;
    padding-bottom: 24px;
    border-bottom: 1px solid var(--line);
  }

  .toc a {
    padding-top: 0.32rem;
    padding-bottom: 0.32rem;
  }

  .contact-grid {
    grid-template-columns: 1fr;
    gap: 18px;
  }

  .footer-inner {
    flex-direction: column;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
}