:root {
  --gold: #E8A33A;
  --gold-deep: #C48A22;
  --gold-soft: #FBF3E3;
  --ink: #0C0D10;
  --body: #3d4450;
  --muted: #6b7280;
  --line: #e7e5e4;
  --wash: #f6f4f1;
  --sans: "Inter", Arial, Helvetica, sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--sans);
  color: var(--ink);
  background: #fff;
  line-height: 1.6;
}
a { color: inherit; }
img { display: block; max-width: 100%; }
:focus-visible { outline: 2px solid var(--gold-deep); outline-offset: 3px; }
.skip {
  position: absolute; left: 12px; top: -40px; background: var(--ink); color: #fff;
  padding: 8px 12px; border-radius: 8px; z-index: 30;
}
.skip:focus { top: 12px; }
.wrap { width: min(1120px, calc(100% - 48px)); margin: 0 auto; }
.top {
  position: sticky; top: 0; z-index: 20; background: #fff; border-bottom: 1px solid var(--line);
}
.bar { display: flex; align-items: center; justify-content: space-between; height: 72px; gap: 16px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; font-weight: 800; letter-spacing: -.03em; font-size: 1.25rem; }
.brand img { width: 34px; height: 34px; }
.top nav { display: flex; gap: 22px; }
.top nav a { text-decoration: none; font-weight: 500; }
.top nav a:hover { color: var(--gold-deep); }
main { padding: 56px 0 72px; }
.kicker { font-weight: 700; color: var(--gold-deep); margin: 0 0 8px; }
h1 { font-size: clamp(2rem, 4vw, 3rem); letter-spacing: -.035em; line-height: 1.05; margin: 0 0 12px; }
.effective { color: var(--muted); margin: 0 0 28px; }
.prose { max-width: 46rem; }
.prose h2 { font-size: 1.35rem; letter-spacing: -.02em; margin: 2rem 0 .6rem; }
.prose h3 { font-size: 1.05rem; margin: 1.4rem 0 .4rem; }
.prose p, .prose li { color: var(--body); }
.prose a { color: var(--ink); font-weight: 600; text-underline-offset: 3px; }
.prose ul { padding-left: 1.2rem; }
.note {
  background: var(--gold-soft); border-radius: 14px; padding: 16px 18px; color: var(--ink);
}
.note p { color: var(--ink); margin: 0; }
.term { border-top: 1px solid var(--line); padding: 14px 0; }
.term b { display: block; }
.identity { display: flex; align-items: center; gap: 12px; margin-top: 28px; }
.identity img { width: 40px; height: 40px; }
.identity strong { display: block; }
.identity span { color: var(--muted); font-size: .9rem; }
.legal-nav { display: flex; flex-wrap: wrap; gap: 8px 18px; margin-top: 22px; }
.legal-nav a, .legal-nav button {
  background: none; border: 0; padding: 0; font: inherit; color: var(--body); cursor: pointer; text-decoration: none;
}
.legal-nav a:hover, .legal-nav button:hover { color: var(--ink); }
.disclaimer { color: var(--muted); font-size: .9rem; max-width: 62rem; }
footer { border-top: 1px solid var(--line); padding: 36px 0 28px; }
.copy { margin-top: 18px; color: var(--muted); font-size: .85rem; }
@media (max-width: 720px) {
  .top nav { display: none; }
}