.legal-top{height:82px;background:#fff;position:sticky;top:0;z-index:50;box-shadow:0 1px 5px #001c3d18;display:flex;align-items:center;gap:28px;padding:0 32px}
.legal-brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy)}
.legal-brand img{width:44px;height:44px;border-radius:12px}
.legal-brand-name{display:block;font-size:22px;font-weight:800;letter-spacing:-1px;line-height:1.05}
.legal-brand-sub{display:block;font-size:11px;font-weight:700;color:var(--orange);letter-spacing:.5px;text-transform:uppercase}
.legal-top-nav{display:flex;gap:22px;margin-left:auto}
.legal-top-link{color:var(--text);text-decoration:none;font-size:14px;font-weight:700;padding:6px 2px;border-bottom:2px solid transparent}
.legal-top-link.is-active{color:var(--navy);border-bottom-color:var(--orange)}

.legal-shell{width:min(var(--max),calc(100% - 64px));margin:0 auto;display:grid;grid-template-columns:230px 1fr;gap:56px;padding:44px 0 80px;align-items:start}
.legal-toc{position:sticky;top:104px}
.legal-toc-kicker{font-size:12px;font-weight:900;color:#0d70dc;letter-spacing:.5px;text-transform:uppercase;margin:0 0 10px}
.legal-toc-list{list-style:none;margin:0;padding:0;border-left:2px solid var(--line)}
.legal-toc-list li{margin:0}
.legal-toc-list a{display:block;padding:7px 14px;font-size:13px;line-height:1.3;color:var(--text);text-decoration:none;border-left:2px solid transparent;margin-left:-2px}
.legal-toc-list a:hover{color:var(--navy);border-left-color:var(--orange)}

.legal-article{max-width:760px}
.legal-kicker{font-size:13px;font-weight:900;color:#0d70dc;letter-spacing:.4px;margin:0}
.legal-title{font-size:42px;line-height:1.04;letter-spacing:-1.2px;color:var(--navy);margin:6px 0 12px}
.legal-lede{font-size:17px;line-height:1.5;margin:0 0 10px}
.legal-meta{font-size:13px;font-weight:700;color:#5a7896;margin:0 0 36px}

.legal-section{padding:22px 0;border-bottom:1px solid var(--line)}
.legal-section:last-of-type{border-bottom:0}
.legal-h2{font-size:21px;color:var(--navy);margin:0 0 10px;letter-spacing:-.3px}
.legal-p{font-size:15px;line-height:1.6;margin:0 0 12px}
.legal-p:last-child{margin-bottom:0}
.legal-mail{color:#1680f2;text-decoration:none;font-weight:700}
.legal-mail:hover{text-decoration:underline}

.legal-section-callout{border-radius:10px;padding:20px 22px;margin:14px 0}
.legal-section-callout-orange{background:#fff4eb;border:1px solid #ffd8b8;border-left:4px solid var(--orange)}
.legal-section-callout-blue{background:#e9f8ff;border:1px solid #bfe6f7;border-left:4px solid #1680f2}

.legal-foot{margin-top:48px;padding-top:24px;border-top:1px solid var(--line);display:flex;justify-content:space-between;align-items:center;gap:20px;font-size:13px;flex-wrap:wrap}
.legal-foot-links{display:flex;gap:20px}
.legal-foot-links a{color:var(--text);text-decoration:none;font-weight:700;font-size:13px}
.legal-foot-links a:hover{color:var(--navy)}

@media(max-width:900px){
  .legal-shell{grid-template-columns:1fr;gap:24px;width:min(100% - 48px,var(--max))}
  .legal-toc{position:static;order:2;border-top:1px solid var(--line);padding-top:20px;margin-top:8px}
  .legal-article{order:1;max-width:none}
  .legal-title{font-size:32px}
}
@media(max-width:560px){
  .legal-top{padding:0 20px;gap:14px}
  .legal-top-nav{gap:12px}
  .legal-top-link{font-size:12.5px}
  .legal-brand-name{font-size:19px}
}