:root {
  --bg: #0c1117;
  --surface: #121a23;
  --surface-raised: #17212c;
  --line: #293542;
  --text: #f1f4f6;
  --muted: #aab5bf;
  --accent: #d6a45d;
  --accent-soft: #f0c987;
  --positive: #77c49b;
  --max-width: 1120px;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--text);
  background: var(--bg);
  color-scheme: dark;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  min-width: 320px;
  background:
    radial-gradient(circle at 82% 8%, rgba(214, 164, 93, 0.09), transparent 26rem),
    linear-gradient(180deg, #0c1117 0%, #0b1016 100%);
  color: var(--text);
  font-size: 1rem;
  line-height: 1.65;
}

a { color: var(--accent-soft); text-underline-offset: 0.22em; }
a:hover { color: #ffe0a8; }
a:focus-visible { outline: 3px solid var(--accent-soft); outline-offset: 4px; border-radius: 2px; }

.skip-link {
  position: fixed;
  z-index: 10;
  top: 0.75rem;
  left: 0.75rem;
  padding: 0.65rem 0.9rem;
  transform: translateY(-180%);
  background: var(--text);
  color: var(--bg);
  font-weight: 700;
}

.skip-link:focus { transform: translateY(0); }

.shell { width: min(calc(100% - 3rem), var(--max-width)); margin-inline: auto; }

.site-header { border-bottom: 1px solid var(--line); background: rgba(12, 17, 23, 0.92); }

.header-inner, .footer-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
}

.header-inner { min-height: 4.75rem; }

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.75rem;
  color: var(--text);
  font-weight: 700;
  letter-spacing: -0.01em;
  text-decoration: none;
}

.brand-mark {
  width: 1rem;
  height: 1rem;
  border: 2px solid var(--accent);
  transform: rotate(45deg);
  box-shadow: inset 0 0 0 3px var(--bg);
  background: var(--accent);
}

nav a { color: var(--muted); font-size: 0.94rem; font-weight: 650; text-decoration: none; }
nav a[aria-current="page"] { color: var(--text); }

.hero { padding-block: clamp(5rem, 10vw, 8.5rem) clamp(4rem, 7vw, 6rem); }

.eyebrow, .section-label {
  margin: 0 0 1rem;
  color: var(--accent-soft);
  font-size: 0.78rem;
  font-weight: 750;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.eyebrow { display: flex; align-items: center; gap: 0.65rem; }
.eyebrow span { display: inline-block; width: 2rem; height: 1px; background: var(--accent); }

h1, h2 { margin-top: 0; line-height: 1.12; letter-spacing: -0.035em; }
h1 { max-width: 13ch; margin-bottom: 1.4rem; font-size: clamp(3rem, 8vw, 6rem); font-weight: 720; }
h2 { margin-bottom: 0.85rem; font-size: clamp(1.35rem, 2.5vw, 1.75rem); font-weight: 680; }
p { margin-top: 0; }

.lede { max-width: 780px; margin-bottom: 2rem; color: #c3ccd4; font-size: clamp(1.2rem, 2.25vw, 1.55rem); line-height: 1.55; }
.text-link { font-weight: 700; text-decoration: none; border-bottom: 1px solid currentColor; }

.content-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1px;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 4px;
  background: var(--line);
}

.panel { padding: clamp(1.75rem, 4vw, 3rem); background: var(--surface); }
.panel-wide { grid-column: 1 / -1; padding-right: min(22vw, 16rem); background: var(--surface-raised); }
.panel p:not(.section-label) { color: var(--muted); }
.panel .assurance { margin-top: 1.5rem; color: var(--text); font-weight: 620; }
.assurance span { margin-right: 0.35rem; color: var(--positive); }

.contact-strip {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 2rem;
  margin-block: clamp(4rem, 8vw, 7rem);
  padding: clamp(1.75rem, 4vw, 3rem);
  border-left: 3px solid var(--accent);
  background: rgba(23, 33, 44, 0.7);
}

.contact-strip h2 { margin-bottom: 0; }
.contact-strip a { flex: none; font-weight: 700; }

.site-footer { border-top: 1px solid var(--line); color: var(--muted); }
.footer-inner { min-height: 5.5rem; font-size: 0.9rem; }
.footer-inner p { margin-bottom: 0; }

.policy-layout { padding-block: clamp(4rem, 8vw, 7rem); }
.policy-header { max-width: 850px; margin-bottom: clamp(3rem, 6vw, 5rem); }
.policy-header h1 { max-width: none; font-size: clamp(2.7rem, 7vw, 5rem); }
.effective-date { color: var(--muted); font-size: 0.9rem; }

.policy-content { display: grid; grid-template-columns: minmax(190px, 0.34fr) minmax(0, 1fr); gap: clamp(2rem, 7vw, 6rem); align-items: start; }
.policy-summary { position: sticky; top: 2rem; padding: 1.5rem; border-top: 2px solid var(--accent); background: var(--surface); }
.policy-summary ul { margin: 0; padding-left: 1.15rem; color: var(--muted); }
.policy-summary li + li { margin-top: 0.7rem; }
.policy-article { max-width: 760px; }
.policy-article section { padding-block: 0 2.35rem; margin-bottom: 2.35rem; border-bottom: 1px solid var(--line); }
.policy-article section:last-child { margin-bottom: 0; border-bottom: 0; }
.policy-article p { color: #bdc7d0; }

@media (max-width: 720px) {
  .shell { width: min(calc(100% - 2rem), var(--max-width)); }
  .header-inner { min-height: 4.25rem; }
  .content-grid, .policy-content { grid-template-columns: 1fr; }
  .panel-wide { grid-column: auto; padding-right: clamp(1.75rem, 4vw, 3rem); }
  .contact-strip { align-items: start; flex-direction: column; }
  .policy-summary { position: static; }
}

@media (max-width: 430px) {
  .brand-mark { display: none; }
  .brand, nav a { font-size: 0.9rem; }
  .header-inner { gap: 1rem; }
  .footer-inner { align-items: flex-start; flex-direction: column; justify-content: center; gap: 0.35rem; }
}

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