:root{--ink:#151515;--muted:#67615f;--red:#ff3b30;--dark:#161513;--tint:#fff0ed;--paper:#fffbf8;--line:#e9dfda;--white:#fff;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);scroll-behavior:smooth}
*{box-sizing:border-box}body{margin:0;line-height:1.75;background:var(--paper)}a{color:var(--red);text-underline-offset:3px}.site-header{height:72px;padding:0 max(24px,calc((100vw - 1240px)/2));display:flex;align-items:center;justify-content:space-between;background:rgba(255,255,255,.94);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20;backdrop-filter:blur(12px)}.brand{display:flex;align-items:center;gap:11px;color:var(--dark);font-weight:750;font-size:1.05rem;text-decoration:none;letter-spacing:-.02em}.brand-mark{display:block;width:36px;height:36px;border-radius:9px}.contact-link{padding:9px 15px;border:1px solid var(--line);border-radius:999px;text-decoration:none;font-size:.88rem;font-weight:650}
.hero{color:white;background:var(--dark);position:relative;overflow:hidden}.hero:after{content:"";width:450px;height:450px;position:absolute;right:-100px;top:-220px;border-radius:50%;background:radial-gradient(circle,rgba(255,59,48,.32),transparent 68%)}.hero-inner{width:min(920px,calc(100% - 48px));margin:auto;padding:76px 0 72px;position:relative;z-index:1}.eyebrow{margin:0 0 10px;color:#ff7a72;font-size:.78rem;font-weight:800;letter-spacing:.15em;text-transform:uppercase}h1{margin:0;font-family:Georgia,"Times New Roman",serif;font-weight:500;font-size:clamp(3rem,7vw,5.4rem);line-height:1.04;letter-spacing:-.045em}.hero-copy{max-width:660px;color:#ddd6d2;font-size:1.1rem;line-height:1.65}.meta{display:flex;gap:10px;align-items:center;margin-top:28px;font-size:.85rem}.meta span{color:#b8aeaa}.meta strong{padding:5px 10px;background:rgba(255,255,255,.1);border-radius:6px}
.page-shell{width:min(1180px,calc(100% - 48px));margin:0 auto;display:grid;grid-template-columns:245px minmax(0,790px);gap:70px;align-items:start}.toc{position:sticky;top:96px;padding:56px 0;max-height:calc(100vh - 110px);overflow:auto;scrollbar-width:thin}.toc-title{margin:0 0 12px;color:var(--dark);font-weight:800;font-size:.77rem;letter-spacing:.1em;text-transform:uppercase}.toc nav{display:grid}.toc a{padding:4px 0;color:#756c69;text-decoration:none;font-size:.77rem;line-height:1.45;transition:.2s}.toc a:hover{color:var(--red);transform:translateX(3px)}.policy{background:var(--white);padding:64px 72px 80px;box-shadow:0 15px 50px rgba(22,21,19,.08);margin-top:-32px;position:relative;border-radius:18px 18px 0 0}.policy section{padding-top:44px;margin-top:34px;border-top:1px solid var(--line);scroll-margin-top:94px}.terms-intro{padding-top:0!important;margin-top:0!important;border:0!important}.lead{margin-top:0;color:var(--dark);font-family:Georgia,"Times New Roman",serif;font-size:1.8rem;line-height:1.3}
h2{margin:0 0 24px;color:var(--dark);font-family:Georgia,"Times New Roman",serif;font-size:clamp(1.65rem,3vw,2.15rem);font-weight:500;line-height:1.25;letter-spacing:-.025em}h2 span{display:block;margin-bottom:5px;color:var(--red);font:800 .72rem/1 Inter,sans-serif;letter-spacing:.13em}h3{margin:30px 0 5px;color:#302927;font-size:1rem;line-height:1.5}p{margin:10px 0 17px}ul,ol{padding-left:23px;margin:12px 0 22px}li{padding-left:4px;margin:5px 0}li::marker{color:var(--red)}ol li::marker{font-weight:800}.contact-card{display:block;margin:24px 0;padding:24px 27px;border:1px solid #f0d5d1;border-left:4px solid var(--red);border-radius:0 12px 12px 0;background:#fff7f5;font-style:normal;line-height:1.55}.contact-card span{color:var(--muted);font-size:.8rem;text-transform:uppercase;letter-spacing:.08em}.contact-card a{font-weight:700}
.definitions{display:grid;gap:10px;margin:30px 0}.definitions div{padding:16px 18px;border:1px solid var(--line);border-radius:10px;background:#fffdfa}.definitions strong{color:var(--dark)}.definitions p{margin:3px 0 0;color:var(--muted);font-size:.92rem;line-height:1.55}.notice{margin-top:28px;padding:22px 24px;background:var(--tint);border-radius:12px}.notice p{margin-bottom:0}.subsection{padding-top:28px;scroll-margin-top:94px}.subsection h3{padding-bottom:9px;border-bottom:1px solid var(--line);font-family:Georgia,"Times New Roman",serif;font-size:1.35rem;font-weight:500}.fee-flow{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:24px 0}.fee-flow>div{padding:22px;border:1px solid #f0d5d1;border-radius:13px;background:#fff7f5}.fee-flow span{display:block;color:var(--red);font-size:.72rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase}.fee-flow strong{display:block;margin:8px 0;color:var(--dark);font-size:1.05rem}.fee-flow b{color:var(--red)}.fee-flow p{margin:0;color:var(--muted);font-size:.9rem;line-height:1.55}.mobile-toc{display:none}footer{min-height:100px;padding:30px max(24px,calc((100vw - 1180px)/2));display:flex;align-items:center;justify-content:space-between;color:#b8aeaa;background:var(--dark);font-size:.85rem}footer a{color:white;text-decoration:none}
@media(max-width:900px){.page-shell{display:block;width:min(100% - 32px,790px)}.toc{display:none}.policy{padding:38px clamp(22px,6vw,54px) 64px}.mobile-toc{display:block;margin:0 0 36px;border:1px solid var(--line);border-radius:10px}.mobile-toc summary{padding:13px 16px;cursor:pointer;color:var(--dark);font-weight:700}.mobile-toc div{display:grid;padding:0 16px 14px}.mobile-toc a{padding:3px 0;font-size:.88rem}}
@media(max-width:560px){.site-header{height:64px;padding:0 17px}.contact-link{padding:7px 10px;font-size:.75rem}.hero-inner{width:calc(100% - 34px);padding:56px 0 58px}.hero-copy{font-size:1rem}.page-shell{width:calc(100% - 20px)}.policy{padding:30px 18px 56px;border-radius:13px 13px 0 0}.fee-flow{grid-template-columns:1fr}footer{flex-direction:column;gap:10px;align-items:flex-start}}
@media print{.site-header,.toc,.mobile-toc,footer{display:none!important}.hero{color:#111;background:white}.hero-inner{padding:20px 0}.hero-copy,.meta span{color:#333}.page-shell{display:block;width:100%}.policy{margin:0;padding:0;box-shadow:none}.policy section{break-inside:avoid}}