:root{
  color-scheme:light;
  --ink:#08111f;
  --muted:#526177;
  --line:#dbe3ee;
  --paper:#ffffff;
  --soft:#f4f7fb;
  --blue:#1e64ff;
  --blue-dark:#1649c4;
  --gold:#f3b51b;
  --green:#087a55;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:88px}
body{margin:0;background:var(--soft);color:var(--ink);font-family:Manrope,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;line-height:1.7}
a{color:inherit}
.skip-link{position:fixed;left:12px;top:12px;z-index:100;transform:translateY(-170%);border-radius:10px;background:var(--ink);color:#fff;padding:10px 14px;font-size:13px;font-weight:900;text-decoration:none;box-shadow:0 10px 30px rgba(8,17,31,.25)}
.skip-link:focus{transform:none}
.site-header{position:sticky;top:0;z-index:10;border-bottom:1px solid rgba(219,227,238,.9);background:rgba(255,255,255,.94);backdrop-filter:blur(14px)}
.header-inner,.legal-main,.site-footer-inner{width:min(1080px,calc(100% - 32px));margin-inline:auto}
.header-inner{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand img{width:42px;height:42px;border-radius:13px;object-fit:cover;box-shadow:0 8px 20px rgba(8,17,31,.15)}
.brand span{display:flex;flex-direction:column;line-height:1.15}
.brand b{font-size:15px;letter-spacing:.13em}
.brand small{margin-top:4px;color:var(--muted);font-size:11px}
.header-actions{display:flex;align-items:center;gap:9px}
.header-actions a{display:inline-flex;align-items:center;justify-content:center;min-height:44px}
.header-actions>a:not(.login-link){border-radius:10px;padding:8px 10px;color:#40516a;text-decoration:none;font-size:12px;font-weight:800}
.header-actions>a:not(.login-link):hover{background:#edf3ff;color:var(--blue-dark)}
.login-link{border:1px solid var(--line);border-radius:12px;padding:9px 15px;text-decoration:none;font-size:13px;font-weight:800;background:#fff;transition:.15s ease}
.login-link:hover{border-color:#9bb8ff;color:var(--blue-dark);transform:translateY(-1px)}
.legal-main{padding:48px 0 72px}
.hero{position:relative;overflow:hidden;border-radius:30px;padding:40px;background:linear-gradient(135deg,#08111f 0%,#102440 70%,#17355e 100%);color:#fff;box-shadow:0 24px 70px rgba(8,17,31,.2)}
.hero::after{content:"";position:absolute;right:-80px;top:-110px;width:300px;height:300px;border-radius:50%;background:radial-gradient(circle,rgba(30,100,255,.48),rgba(30,100,255,0) 70%)}
.eyebrow{position:relative;z-index:1;display:inline-flex;align-items:center;gap:8px;margin:0 0 12px;color:#9cc0ff;font-size:12px;font-weight:900;letter-spacing:.14em;text-transform:uppercase}
.eyebrow::before{content:"";width:24px;height:3px;border-radius:99px;background:var(--gold)}
.hero h1{position:relative;z-index:1;margin:0;max-width:760px;font-size:clamp(31px,5vw,52px);line-height:1.08;letter-spacing:-.035em}
.hero p{position:relative;z-index:1;margin:18px 0 0;max-width:760px;color:#cfdae9;font-size:16px}
.updated{display:inline-flex;margin-top:22px;border:1px solid rgba(255,255,255,.15);border-radius:999px;padding:6px 11px;background:rgba(255,255,255,.07);color:#dbe7f6;font-size:12px;font-weight:700}
.notice{margin-top:24px;border:1px solid #c8d9ff;border-left:5px solid var(--blue);border-radius:16px;padding:16px 18px;background:#eef4ff;color:#18345c;font-size:14px}
.provider-identity{margin-top:18px;border:1px solid #e5c36b;border-left:5px solid #d89a00;border-radius:18px;padding:18px;background:#fff9e8;color:#382b0b;box-shadow:0 10px 28px rgba(121,82,0,.08)}
.provider-identity h2{margin:0 0 8px;font-size:18px;line-height:1.3}
.provider-identity>p{margin:0;color:#5e4a18;font-size:13px}
.provider-identity dl{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin:15px 0 0}
.provider-identity dl>div{border:1px solid #ead69d;border-radius:14px;padding:13px;background:#fffdf6}
.provider-identity dt{font-size:12px;font-weight:900;color:#5e4a18}
.provider-identity dd{margin:6px 0 0;color:#2f270f;font-size:13px;overflow-wrap:anywhere}
.provider-identity a{display:inline-flex;align-items:center;min-height:40px;color:#1649c4;font-weight:850}
.provider-warning{margin-top:14px!important;border-top:1px solid #ead69d;padding-top:12px;color:#684700!important}
.legal-grid{display:grid;grid-template-columns:minmax(0,1fr) 270px;gap:24px;align-items:start;margin-top:28px}
.article{border:1px solid var(--line);border-radius:24px;background:var(--paper);box-shadow:0 15px 45px rgba(29,47,75,.07);overflow:hidden}
.article section{padding:28px 30px;border-top:1px solid var(--line)}
.article section:first-child{border-top:0}
.article h2{margin:0 0 12px;font-size:22px;line-height:1.25;letter-spacing:-.015em}
.article h3{margin:20px 0 8px;font-size:16px}
.article p{margin:0 0 12px;color:#33445a}
.article p:last-child{margin-bottom:0}
.article ul,.article ol{margin:10px 0 0;padding-left:20px;color:#33445a}
.article li+li{margin-top:8px}
.fact-cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:16px}
.fact-card{border:1px solid var(--line);border-radius:16px;padding:16px;background:var(--soft)}
.fact-card strong{display:block;margin-bottom:5px;font-size:14px}
.fact-card span{display:block;color:var(--muted);font-size:13px}
.contact-link{display:inline-flex;align-items:center;min-height:44px;color:var(--blue-dark);font-size:13px;font-weight:800;overflow-wrap:anywhere;word-break:break-word}
.side-nav{position:sticky;top:94px;border:1px solid var(--line);border-radius:20px;padding:16px;background:#fff;box-shadow:0 14px 38px rgba(29,47,75,.06)}
.side-nav b{display:block;margin:2px 4px 10px;font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:#738197}
.side-nav a{display:flex;align-items:center;min-height:44px;border-radius:11px;padding:10px 11px;text-decoration:none;color:#33445a;font-size:13px;font-weight:750}
.side-nav a:hover,.side-nav a[aria-current="page"]{background:#edf3ff;color:var(--blue-dark)}
.site-footer{border-top:1px solid var(--line);background:#fff}
.site-footer-inner{padding:34px 0 42px}
.footer-top{display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
.footer-title b{display:block;font-size:15px;letter-spacing:.08em}
.footer-title span{display:block;margin-top:5px;color:var(--muted);font-size:12px}
.security-badge{display:inline-flex;align-items:center;gap:8px;border:1px solid #b7e0cf;border-radius:999px;padding:8px 12px;background:#effaf6;color:var(--green);font-size:12px;font-weight:850;white-space:nowrap}
.payment-strip{margin-top:22px;border:1px solid var(--line);border-radius:16px;padding:14px;background:#fff}
.payment-strip span{display:block;margin-bottom:9px;color:var(--muted);font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.08em}
.payment-strip img{display:block;width:min(100%,429px);height:auto}
.footer-links{display:flex;flex-wrap:wrap;gap:9px 18px;margin-top:22px;padding-top:18px;border-top:1px solid var(--line)}
.footer-links a{display:inline-flex;align-items:center;min-height:40px;color:#40516a;font-size:12px;font-weight:750;text-decoration:none}
.footer-links a:hover{color:var(--blue-dark);text-decoration:underline}
.copyright{margin:18px 0 0;color:#7a8799;font-size:11px}
a:focus-visible{outline:3px solid #5c8dff;outline-offset:3px}
@media(max-width:780px){
  .legal-main{padding-top:24px}
  .hero{padding:28px 22px;border-radius:22px}
  .legal-grid{grid-template-columns:1fr}
  .side-nav{position:static;order:-1}
  .side-nav b{margin-bottom:8px}
  .side-nav a{display:inline-flex;min-height:44px;padding:7px 9px}
  .article section{padding:23px 20px}
  .provider-identity dl{grid-template-columns:1fr}
  .fact-cards{grid-template-columns:1fr}
  .footer-top{grid-template-columns:1fr}
  .security-badge{width:max-content;max-width:100%}
}
@media(max-width:480px){
  .header-inner,.legal-main,.site-footer-inner{width:min(100% - 22px,1080px)}
  .brand small{display:none}
  .login-link{padding:8px 11px}
  .header-actions>a:not(.login-link){display:none}
  .hero h1{font-size:30px}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition-duration:.01ms!important}}
@media print{
  .site-header,.side-nav,.site-footer,.skip-link{display:none!important}
  body{background:#fff}
  .legal-main{width:100%;padding:0}
  .hero{box-shadow:none;border:1px solid #333;color:#000;background:#fff}
  .hero p,.updated{color:#333}
  .legal-grid{display:block;margin-top:16px}
  .article{border:0;box-shadow:none}
  .article section{break-inside:avoid;padding:18px 0}
}