:root{--bg:#FBFCFA;--ink:#122423;--teal:#047A70;--deep:#102D2A;--muted:#5B6E6A;--line:#D8E1DC;--cream:#F7F5ED;--gold:#E8D5A9;color-scheme:light}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:Arial,Helvetica,sans-serif;font-size:18px;line-height:1.6}
a{color:var(--teal)}a:hover{color:var(--deep)}
a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #F2B84B;outline-offset:3px}
.review-banner{background:#FFF1D6;color:#5B3A00;font-size:15px;text-align:center;padding:10px 16px;font-weight:700}
.site{position:sticky;top:0;z-index:30;background:rgba(251,252,250,.97);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
.site .in{max-width:1200px;margin:0 auto;padding:14px 32px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.site nav{display:flex;align-items:center;gap:26px;font-size:17px;font-weight:700}
.site nav a{color:var(--ink);text-decoration:none}.site nav a:hover,.site nav a.on{color:var(--teal)}
.site .cta{background:var(--teal);color:#fff;padding:12px 18px;border-radius:999px;box-shadow:rgba(23,77,69,.18) 0 8px 22px}.site .cta:hover{background:var(--deep);color:#fff}
.dd{position:relative}.ddb{font:inherit;color:inherit;background:none;border:0;cursor:pointer;padding:10px 0}.ddb.on{color:var(--teal)}
.dd .menu{display:none;position:absolute;top:100%;left:-16px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:10px;width:290px;box-shadow:0 14px 34px rgba(16,45,42,.14)}
.dd:hover .menu,.dd:focus-within .menu{display:flex;flex-direction:column;gap:4px}.menu a{display:flex;flex-direction:column;gap:3px;padding:12px 14px;border-radius:10px}.menu a:hover{background:#F1F6F4}.menu small{font-weight:400;font-size:15px;color:var(--muted)}
.mob{display:none}.mob summary{list-style:none;cursor:pointer;font-weight:700;padding:10px 14px;border:1px solid var(--line);border-radius:999px}.mob summary::-webkit-details-marker{display:none}.mob[open] .sheet{display:flex}
.sheet{display:none;flex-direction:column;position:absolute;right:16px;top:64px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:10px;width:250px;box-shadow:0 14px 34px rgba(16,45,42,.14)}.sheet a{padding:12px 14px;color:var(--ink);text-decoration:none;font-weight:700}.sheet a.mcta{background:var(--teal);color:#fff;border-radius:999px;text-align:center;margin-top:6px}
.legal-wrap{max-width:824px;margin:0 auto;padding:64px 32px 88px}
.eyebrow{font-size:13px;font-weight:800;letter-spacing:.14em;color:#2F6E63;text-transform:uppercase}
h1{font:500 48px/1.08 Georgia,serif;letter-spacing:-.03em;margin:12px 0 18px}
h2{font:500 30px/1.2 Georgia,serif;letter-spacing:-.02em;margin:42px 0 12px}
h3{font-size:20px;line-height:1.35;margin:28px 0 8px}
p,li{color:#3E5551}
.lede{font-size:21px;line-height:1.55;max-width:820px;color:#3E5551}
.effective{display:inline-block;margin:8px 0 26px;padding:7px 12px;border:1px solid var(--line);border-radius:999px;font-size:14px;font-weight:700;color:var(--muted);background:#fff}
.notice{background:var(--cream);border-left:5px solid var(--gold);padding:20px 22px;margin:28px 0;border-radius:0 14px 14px 0}
.notice p{margin:0}.notice strong{color:var(--ink)}
.toc{background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px 26px;margin:34px 0}.toc strong{display:block;margin-bottom:8px}.toc ul{margin:0;padding-left:22px}.toc a{text-decoration:none;font-weight:700}
ul{padding-left:24px}li+li{margin-top:7px}
.contact-box{background:var(--deep);color:#fff;border-radius:20px;padding:28px;margin-top:44px}.contact-box h2{color:#fff;margin-top:0}.contact-box p,.contact-box a{color:#fff}
footer.f{background:#16302C;color:#A9BDB8}
footer.f .in{max-width:1200px;margin:0 auto;padding:72px 32px 64px;display:grid;grid-template-columns:minmax(240px,1.7fr) repeat(4,minmax(125px,1fr));gap:32px;font-size:18px}
footer.f .brand img{height:64px;width:auto;display:block;margin-bottom:22px}
footer.f .brand p{margin:0;max-width:320px;line-height:1.55;color:#A9BDB8;font-size:18px}
footer.f h3{margin:0 0 20px;font-size:14px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:#8BC0B3}
footer.f a{color:#fff;text-decoration:none;display:block;padding:7px 0;font-size:18px}
.f-legal{max-width:1200px;margin:0 auto;padding:20px 32px 38px;border-top:1px solid rgba(169,189,184,.28);display:flex;align-items:center;justify-content:space-between;gap:24px;color:#A9BDB8;font-size:14px}.f-legal>div{display:flex;align-items:center;flex-wrap:wrap;gap:20px}.f-legal strong{color:#8BC0B3;font-size:12px;letter-spacing:.14em;text-transform:uppercase}.f-legal a{display:inline-block;padding:0;font-size:14px}
@media(max-width:700px){footer.f .f-legal{padding:20px 24px 34px;align-items:flex-start;flex-direction:column}.f-legal>div{align-items:flex-start;gap:14px 18px}}
@media(max-width:1050px){footer.f .in{grid-template-columns:1fr 1fr;gap:30px;padding:42px 22px}footer.f .brand{grid-column:1/-1}}
@media(max-width:820px){.site nav{display:none}.mob{display:block}.site .in{padding:12px 20px}.legal-wrap{padding:44px 20px 64px}h1{font-size:40px}footer.f .in{grid-template-columns:1fr 1fr;gap:30px;padding:48px 24px}footer.f .brand{grid-column:1/-1}}