:root{
  --navy:#16213e; --navy-dark:#0f1830; --gold:#e5a823; --gold-soft:#f0c04a;
  --ink:#23222a; --muted:#6b6b76; --paper:#f7f6f2; --card:#ffffff; --line:#e7e4dc;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Segoe UI',system-ui,-apple-system,Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--paper);line-height:1.65;font-size:16px}
a{color:#1f3a67;text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:920px;margin:0 auto;padding:0 20px}
.container{max-width:820px;margin:0 auto;padding:0 20px}

/* Header */
header.site{background:var(--navy-dark);color:#eee}
header.site .bar{display:flex;align-items:center;gap:14px;padding:14px 0;flex-wrap:wrap}
header.site .brand{display:flex;align-items:center;gap:12px;color:#fff;font-weight:700;font-size:19px}
header.site .brand img{width:40px;height:40px;border-radius:9px;display:block}
header.site nav{margin-left:auto;display:flex;gap:6px;flex-wrap:wrap}
header.site nav a{color:#cfd3dd;padding:7px 12px;border-radius:8px;font-size:14px;font-weight:600}
header.site nav a:hover{background:rgba(255,255,255,.08);color:#fff;text-decoration:none}

/* Hero */
.hero{background:linear-gradient(160deg,var(--navy),var(--navy-dark));color:#fff;padding:64px 0}
.hero h1{font-size:40px;line-height:1.15;margin:0 0 14px}
.hero .tag{color:var(--gold-soft);font-weight:700;letter-spacing:.5px;text-transform:uppercase;font-size:13px;margin-bottom:10px}
.hero p{font-size:18px;color:#d6dae5;max-width:640px}
.badges{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.badge{display:inline-block;background:#fff;color:var(--navy);font-weight:700;padding:11px 18px;border-radius:10px;font-size:14px}
.badge.ghost{background:transparent;border:1px solid rgba(255,255,255,.35);color:#fff}

/* Sections */
section{padding:44px 0}
h2{font-size:26px;color:var(--navy);margin:0 0 6px}
h3{font-size:18px;color:var(--navy);margin:26px 0 6px}
.lead{color:var(--muted);margin-top:0}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px;margin-top:22px}
.feature{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:20px}
.feature .ic{width:38px;height:38px;border-radius:9px;background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;font-size:19px;margin-bottom:10px}
.feature h4{margin:0 0 4px;color:var(--navy);font-size:16px}
.feature p{margin:0;font-size:14px;color:var(--muted)}

.notice{background:#fff8e6;border:1px solid #f0dca0;border-radius:12px;padding:16px 18px;font-size:14.5px;color:#6a5a2a}

/* Legal / policy pages */
.legal{background:var(--paper);padding:40px 0 64px}
.legal .card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:34px 38px}
.legal h1{font-size:30px;color:var(--navy);margin:0 0 4px}
.legal .updated{color:var(--muted);font-size:13.5px;margin-bottom:22px}
.legal h2{font-size:20px;margin-top:30px;border-top:1px solid var(--line);padding-top:22px}
.legal h2:first-of-type{border-top:none;padding-top:0}
.legal p,.legal li{font-size:15px}
.legal ul{padding-left:20px}
.legal li{margin:5px 0}
.legal .toc{background:#f2f4f8;border:1px solid var(--line);border-radius:12px;padding:14px 18px;font-size:14px}
.legal .toc a{display:inline-block;margin:2px 10px 2px 0}
.email{font-weight:700}
table.data{width:100%;border-collapse:collapse;font-size:14px;margin-top:10px}
table.data th,table.data td{border:1px solid var(--line);padding:8px 10px;text-align:left;vertical-align:top}
table.data th{background:#f2f4f8;color:var(--navy)}

/* Footer */
footer.site{background:var(--navy-dark);color:#aeb4c2;padding:34px 0;font-size:14px}
footer.site .cols{display:flex;gap:30px;flex-wrap:wrap;justify-content:space-between}
footer.site a{color:#cfd3dd}
footer.site .links a{display:block;margin:5px 0}
footer.site .fine{margin-top:22px;border-top:1px solid rgba(255,255,255,.1);padding-top:16px;color:#8b91a1;font-size:13px}
@media(max-width:600px){.hero h1{font-size:31px}.legal .card{padding:22px}}