:root {
  --bg: #fbfaf7;
  --surface: #ffffff;
  --ink: #1b2430;
  --muted: #4f5b69;
  --line: #e3e0d8;
  --accent: #1f5f7a;
  --accent-ink: #ffffff;
  --gold: #8a6a1f;
  --soft: #eef4f6;
  --radius: 14px;
  --max: 1080px;
  color-scheme: light;
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --bg: #11161c;
    --surface: #171e26;
    --ink: #e9edf1;
    --muted: #aab4bf;
    --line: #2a333d;
    --accent: #6fb7d3;
    --accent-ink: #0b1116;
    --gold: #d8b45a;
    --soft: #1b2630;
    color-scheme: dark;
  }
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font: 17px/1.6 -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}
a { color: var(--accent); }
a:focus-visible, button:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }
img { max-width: 100%; }

.skip { position: absolute; left: -9999px; }
.skip:focus { left: 16px; top: 16px; background: var(--surface); padding: 8px 12px; z-index: 10; }

.wrap { max-width: var(--max); margin: 0 auto; padding: 0 16px; }

header.site {
  border-bottom: 1px solid var(--line);
  background: var(--surface);
}
header.site .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 64px; flex-wrap: wrap; }
.brand { display: flex; align-items: center; gap: 10px; color: var(--ink); text-decoration: none; font-weight: 700; letter-spacing: .01em; }
.brand svg { width: 28px; height: 28px; flex: none; }
.brand small { font-weight: 500; color: var(--muted); }
nav.site ul { list-style: none; display: flex; gap: 18px; margin: 0; padding: 0; flex-wrap: wrap; }
nav.site a { color: var(--muted); text-decoration: none; font-size: 15px; padding: 10px 0; display: inline-block; }
nav.site a:hover, nav.site a[aria-current="page"] { color: var(--ink); }

.hero { padding: 72px 0 48px; }
.hero h1 { font-size: clamp(34px, 5.4vw, 56px); line-height: 1.08; margin: 0 0 18px; letter-spacing: -.01em; }
.hero p.lede { font-size: clamp(18px, 2.2vw, 21px); color: var(--muted); max-width: 680px; margin: 0 0 28px; }
.eyebrow { color: var(--gold); font-weight: 700; font-size: 14px; letter-spacing: .08em; text-transform: uppercase; margin: 0 0 12px; }

.btn {
  display: inline-block; background: var(--accent); color: var(--accent-ink); text-decoration: none;
  padding: 13px 22px; border-radius: 10px; font-weight: 600; min-height: 44px;
}
.btn.ghost { background: transparent; color: var(--accent); border: 1.5px solid var(--accent); }
.actions { display: flex; gap: 12px; flex-wrap: wrap; }

section { padding: 48px 0; }
section + section { border-top: 1px solid var(--line); }
h2 { font-size: clamp(26px, 3.4vw, 34px); line-height: 1.2; margin: 0 0 14px; }
h3 { font-size: 19px; margin: 0 0 6px; }
.sub { color: var(--muted); max-width: 720px; margin: 0 0 28px; }

.grid { display: grid; gap: 16px; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
.card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; }
.card p { margin: 0; color: var(--muted); }

.promise { background: var(--soft); border-radius: var(--radius); padding: 28px; }
.promise ul { margin: 0; padding-left: 20px; }
.promise li { margin: 8px 0; }

table.facts { width: 100%; border-collapse: collapse; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
table.facts th, table.facts td { text-align: left; vertical-align: top; padding: 14px 16px; border-bottom: 1px solid var(--line); }
table.facts tr:last-child th, table.facts tr:last-child td { border-bottom: 0; }
table.facts th { width: 32%; font-weight: 600; }
table.facts td { color: var(--muted); }

.steps { counter-reset: s; list-style: none; padding: 0; margin: 0; display: grid; gap: 14px; }
.steps li { counter-increment: s; position: relative; padding-left: 48px; }
.steps li::before {
  content: counter(s); position: absolute; left: 0; top: 0; width: 34px; height: 34px; border-radius: 50%;
  background: var(--accent); color: var(--accent-ink); display: grid; place-items: center; font-weight: 700;
}

.note { font-size: 15px; color: var(--muted); }

/* Legal pages */
.legal { max-width: 780px; padding: 48px 16px 64px; margin: 0 auto; }
.legal h1 { font-size: clamp(30px, 4.4vw, 42px); line-height: 1.15; margin: 0 0 8px; }
.legal h2 { font-size: 22px; margin: 36px 0 10px; }
.legal h3 { font-size: 17px; margin: 22px 0 6px; }
.legal p, .legal li { color: var(--ink); }
.legal .meta { color: var(--muted); margin: 0 0 24px; }
.legal .caps { text-transform: uppercase; font-size: 15px; }
.legal nav.toc { background: var(--soft); border-radius: var(--radius); padding: 18px 22px; margin: 24px 0; }
.legal nav.toc ol { margin: 0; padding-left: 20px; columns: 2 220px; }
.legal nav.toc li { margin: 4px 0; }

footer.site { border-top: 1px solid var(--line); background: var(--surface); padding: 28px 0 40px; font-size: 15px; color: var(--muted); }
footer.site .wrap { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
footer.site ul { list-style: none; display: flex; gap: 18px; padding: 0; margin: 0; flex-wrap: wrap; }
footer.site a { color: var(--muted); }

@media print {
  header.site nav, footer.site ul, .actions { display: none; }
  body { background: #fff; color: #000; }
}