:root{
  --navy:#0B2A4A;
  --navy-soft:#3A5578;
  --orange:#F5821F;
  --blue:#2C6CF0;
  --blue-dark:#1E52C4;
  --bg:#EEF3FB;
  --bg-soft:#F7FAFE;
  --white:#FFFFFF;
  --green:#1FAE63;
  --green-bg:#DFF6E8;
  --orange-bg:#FDE7D0;
  --blue-bg:#DCE9FE;
  --text-soft:#5B6B85;
  --border:#E2E9F5;
}
*{box-sizing:border-box;margin:0;padding:0;-webkit-tap-highlight-color:transparent;}
html,body{overflow-x:hidden;max-width:100%;}
body{
  font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;
  color:var(--navy);background:#fff;-webkit-font-smoothing:antialiased;line-height:1.6;
}
a{text-decoration:none;color:inherit;}
ul{list-style:none;}

/* ===== HEADER ===== */
.legal-header{
  position:sticky;top:0;z-index:100;background:rgba(255,255,255,.94);backdrop-filter:blur(10px);
  border-bottom:1px solid var(--border);
}
.legal-header-inner{
  max-width:1100px;margin:0 auto;padding:0 24px;height:72px;
  display:flex;align-items:center;justify-content:space-between;
}
.legal-logo{display:flex;align-items:center;gap:10px;font-family:'Inter',sans-serif;font-weight:700;font-size:17px;}
.legal-logo-icon{width:34px;height:34px;border-radius:9px;overflow:hidden;background:#fff;border:1px solid var(--border);flex-shrink:0;}
.legal-logo-icon img{width:100%;height:100%;object-fit:cover;}
.legal-logo span.tld{color:var(--orange);}
.legal-back{
  display:flex;align-items:center;gap:6px;font-size:13.5px;font-weight:600;color:var(--blue);
  padding:8px 14px;border-radius:9px;border:1.5px solid var(--blue-bg);transition:background .15s ease;
}
.legal-back:hover{background:var(--blue-bg);}

/* ===== HERO ===== */
.legal-hero{background:linear-gradient(180deg,var(--bg) 0%,#fff 100%);padding:48px 24px 36px;}
.legal-hero-inner{max-width:1100px;margin:0 auto;}
.legal-eyebrow{color:var(--blue);font-weight:700;font-size:12.5px;letter-spacing:1.2px;text-transform:uppercase;}
.legal-hero h1{font-size:34px;font-weight:800;color:var(--navy);margin-top:10px;letter-spacing:-0.5px;}
.legal-updated{margin-top:12px;font-size:13px;color:var(--text-soft);}
.legal-updated strong{color:var(--navy-soft);}
.legal-intro{margin-top:16px;font-size:15px;color:var(--text-soft);max-width:640px;line-height:1.7;}

/* ===== LAYOUT ===== */
.legal-body{max-width:1100px;margin:0 auto;padding:40px 24px 90px;display:grid;grid-template-columns:230px 1fr;gap:48px;}

/* ===== TOC SIDEBAR ===== */
.legal-toc{position:sticky;top:96px;align-self:start;}
.legal-toc-title{font-size:11.5px;font-weight:700;color:var(--text-soft);text-transform:uppercase;letter-spacing:.6px;margin-bottom:12px;}
.legal-toc a{
  display:block;padding:8px 0;font-size:13.5px;color:var(--navy-soft);border-left:2px solid var(--border);
  padding-left:14px;transition:color .15s ease,border-color .15s ease;
}
.legal-toc a:hover, .legal-toc a.active{color:var(--blue);border-left-color:var(--blue);font-weight:600;}
.legal-toc-switch{margin-top:28px;padding-top:20px;border-top:1px solid var(--border);}
.legal-toc-switch a{
  display:flex;align-items:center;gap:8px;padding:8px 10px;border-radius:8px;font-size:13px;font-weight:500;
  color:var(--navy-soft);border-left:none;
}
.legal-toc-switch a:hover{background:var(--bg-soft);color:var(--blue);border-left:none;}
.legal-toc-switch a.current{background:var(--blue-bg);color:var(--blue-dark);font-weight:700;}

/* ===== CONTENT ===== */
.legal-content h2{
  font-size:22px;font-weight:800;color:var(--navy);margin-top:44px;margin-bottom:14px;
  scroll-margin-top:96px;padding-top:6px;
}
.legal-content h2:first-child{margin-top:0;}
.legal-content h3{font-size:15.5px;font-weight:700;color:var(--navy);margin-top:22px;margin-bottom:8px;}
.legal-content p{font-size:14.5px;color:var(--navy-soft);margin-bottom:12px;}
.legal-content ul{margin:10px 0 16px;}
.legal-content ul li{
  position:relative;padding-left:20px;font-size:14.5px;color:var(--navy-soft);margin-bottom:8px;line-height:1.6;
}
.legal-content ul li::before{
  content:'';position:absolute;left:0;top:9px;width:6px;height:6px;border-radius:50%;background:var(--blue);
}
.legal-content ol{margin:10px 0 16px;padding-left:20px;}
.legal-content ol li{font-size:14.5px;color:var(--navy-soft);margin-bottom:8px;line-height:1.6;padding-left:4px;}
.legal-content strong{color:var(--navy);font-weight:700;}
.legal-divider{height:1px;background:var(--border);margin:36px 0;}

/* Callout boxes */
.legal-callout{
  display:flex;gap:12px;padding:16px 18px;border-radius:12px;margin:18px 0;font-size:13.5px;line-height:1.6;
}
.legal-callout.warn{background:var(--orange-bg);color:#8A5A2A;}
.legal-callout.info{background:var(--blue-bg);color:var(--blue-dark);}
.legal-callout.danger{background:#FDEAEA;color:#B3261E;}
.legal-callout svg{flex-shrink:0;margin-top:1px;}

/* Pricing/coverage table */
.legal-table-wrap{overflow-x:auto;margin:18px 0;border-radius:12px;border:1px solid var(--border);}
table.legal-table{width:100%;border-collapse:collapse;min-width:520px;}
table.legal-table th{
  text-align:left;padding:14px 18px;background:var(--navy);color:#fff;font-size:12.5px;font-weight:700;
  text-transform:uppercase;letter-spacing:.4px;
}
table.legal-table td{padding:14px 18px;border-bottom:1px solid var(--border);font-size:13.5px;color:var(--navy-soft);}
table.legal-table tr:last-child td{border-bottom:none;}
table.legal-table td:first-child{font-weight:700;color:var(--navy);}
table.legal-table td.tier-name{font-size:14px;}

/* Tier cards (insurance) */
.tier-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:18px 0;}
.tier-card{background:#fff;border:1.5px solid var(--border);border-radius:14px;padding:22px;}
.tier-card.featured{border-color:var(--blue);box-shadow:0 12px 30px -18px rgba(44,108,240,.35);}
.tier-card h4{font-size:15px;font-weight:800;color:var(--navy);margin-bottom:6px;}
.tier-card .tier-price{font-size:13px;color:var(--text-soft);margin-bottom:14px;}
.tier-card .tier-price strong{display:block;font-size:20px;color:var(--blue);font-family:'Inter',sans-serif;}
.tier-card ul{margin:0;}
.tier-card ul li{font-size:13px;}

/* ===== FOOTER ===== */
.legal-footer{background:var(--navy);color:#C9D6EA;padding:40px 24px;}
.legal-footer-inner{max-width:1100px;margin:0 auto;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:16px;}
.legal-footer-links{display:flex;gap:18px;flex-wrap:wrap;font-size:13px;}
.legal-footer-links a:hover{color:#fff;}
.legal-footer-copy{font-size:12px;color:#8FA1BE;}

/* ===== DISCLAIMER ===== */
.legal-disclaimer{
  background:var(--bg-soft);border:1px dashed var(--border);border-radius:12px;padding:16px 18px;
  font-size:12.5px;color:var(--text-soft);margin-bottom:32px;line-height:1.6;
}

/* ===== MOBILE ===== */
@media (max-width:860px){
  .legal-body{grid-template-columns:1fr;gap:0;padding:28px 20px 60px;}
  .legal-toc{position:static;margin-bottom:30px;background:var(--bg-soft);border-radius:12px;padding:16px;}
  .legal-toc a{padding-left:12px;}
  .legal-hero{padding:32px 20px 26px;}
  .legal-hero h1{font-size:26px;}
  .legal-header-inner{padding:0 20px;height:64px;}
  .legal-back span{display:none;}
  .tier-grid{grid-template-columns:1fr;}
  .legal-content h2{font-size:19px;}
  .legal-footer-inner{flex-direction:column;align-items:flex-start;}
}