:root {
  color-scheme: dark;
  --background: #070b14;
  --surface: #0d1422;
  --surface-raised: #121c2e;
  --border: rgba(148, 163, 184, 0.18);
  --border-strong: rgba(96, 165, 250, 0.34);
  --text: #f8fafc;
  --muted: #a8b3c7;
  --accent: #6ea8fe;
  --accent-bright: #9ec5ff;
  --accent-soft: rgba(59, 130, 246, 0.12);
  --max-width: 1120px;
  font-family:
    Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI",
    sans-serif;
  font-synthesis: none;
  text-rendering: optimizeLegibility;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  min-width: 320px;
  margin: 0;
  background:
    radial-gradient(circle at 78% -10%, rgba(37, 99, 235, 0.2), transparent 32rem),
    var(--background);
  color: var(--text);
  font-size: 17px;
  line-height: 1.7;
}

a {
  color: var(--accent-bright);
  text-decoration-thickness: 0.08em;
  text-underline-offset: 0.18em;
}

a:hover {
  color: #c3dcff;
}

a:focus-visible {
  border-radius: 4px;
  outline: 3px solid var(--accent);
  outline-offset: 4px;
}

.site-header,
main,
footer {
  width: min(calc(100% - 40px), var(--max-width));
  margin-inline: auto;
}

.site-header {
  display: flex;
  align-items: center;
  min-height: 88px;
}

.brand {
  display: inline-flex;
  gap: 12px;
  align-items: center;
  color: var(--text);
  font-size: 18px;
  font-weight: 700;
  letter-spacing: -0.02em;
  text-decoration: none;
}

.brand-mark {
  display: grid;
  width: 36px;
  height: 36px;
  place-items: center;
  border: 1px solid rgba(147, 197, 253, 0.4);
  border-radius: 11px;
  background: linear-gradient(145deg, #2563eb, #164eaa);
  box-shadow: 0 8px 24px rgba(37, 99, 235, 0.3);
  font-size: 16px;
}

.hero {
  max-width: 820px;
  padding: 90px 0 80px;
}

.eyebrow {
  margin: 0 0 14px;
  color: var(--accent-bright);
  font-size: 13px;
  font-weight: 750;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

h1,
h2,
h3 {
  margin-top: 0;
  color: var(--text);
  line-height: 1.2;
  letter-spacing: -0.035em;
}

h1 {
  max-width: 720px;
  margin-bottom: 24px;
  font-size: clamp(48px, 9vw, 84px);
  font-weight: 760;
}

.lede {
  max-width: 760px;
  margin: 0;
  color: #c4cede;
  font-size: clamp(19px, 2.5vw, 23px);
  line-height: 1.55;
}

.effective-date {
  margin: 28px 0 0;
  color: var(--muted);
  font-size: 15px;
}

.summary-card {
  padding: clamp(26px, 5vw, 48px);
  border: 1px solid var(--border-strong);
  border-radius: 28px;
  background:
    linear-gradient(135deg, rgba(37, 99, 235, 0.09), transparent 55%),
    var(--surface);
  box-shadow: 0 28px 80px rgba(0, 0, 0, 0.22);
}

.summary-card > h2 {
  margin-bottom: 32px;
  font-size: 28px;
}

.summary-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}

.summary-grid article {
  padding-top: 20px;
  border-top: 1px solid var(--border);
}

.summary-number {
  display: block;
  margin-bottom: 22px;
  color: var(--accent);
  font-size: 13px;
  font-weight: 750;
  letter-spacing: 0.12em;
}

.summary-grid h3 {
  margin-bottom: 8px;
  font-size: 19px;
}

.summary-grid p,
.provider-list p {
  margin: 0;
  color: var(--muted);
  font-size: 15px;
  line-height: 1.65;
}

.policy-layout {
  display: grid;
  grid-template-columns: 220px minmax(0, 720px);
  gap: clamp(48px, 9vw, 110px);
  justify-content: space-between;
  padding: 110px 0 90px;
}

.contents {
  position: sticky;
  top: 28px;
  align-self: start;
  padding-left: 20px;
  border-left: 1px solid var(--border);
}

.contents p {
  margin: 0 0 14px;
  color: var(--text);
  font-size: 13px;
  font-weight: 750;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.contents ol {
  display: grid;
  gap: 7px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.contents a {
  color: var(--muted);
  font-size: 14px;
  text-decoration: none;
}

.contents a:hover {
  color: var(--text);
}

.policy section {
  padding-bottom: 66px;
  scroll-margin-top: 30px;
}

.policy section + section {
  padding-top: 66px;
  border-top: 1px solid var(--border);
}

.policy h2 {
  margin-bottom: 24px;
  font-size: clamp(28px, 4vw, 38px);
}

.policy h3 {
  margin: 34px 0 10px;
  font-size: 20px;
}

.policy p {
  margin: 0 0 20px;
  color: #c0cada;
}

.policy ul {
  display: grid;
  gap: 12px;
  margin: 22px 0 24px;
  padding-left: 24px;
  color: #c0cada;
}

.policy li::marker {
  color: var(--accent);
}

.policy strong {
  color: var(--text);
}

.provider-list {
  display: grid;
  gap: 14px;
  margin: 30px 0;
}

.provider-list article {
  padding: 24px;
  border: 1px solid var(--border);
  border-radius: 16px;
  background: var(--surface);
}

.provider-list h3 {
  margin: 0 0 8px;
}

.provider-list a {
  display: inline-block;
  margin-top: 14px;
  font-size: 14px;
  font-weight: 650;
}

.contact-card {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 24px;
  align-items: baseline;
  margin-top: 26px !important;
  padding: 24px;
  border: 1px solid var(--border-strong);
  border-radius: 16px;
  background: var(--accent-soft);
}

.contact-card span {
  color: var(--muted);
  font-size: 13px;
  font-weight: 750;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

footer {
  display: flex;
  justify-content: space-between;
  padding: 28px 0 40px;
  border-top: 1px solid var(--border);
  color: var(--muted);
  font-size: 14px;
}

footer p {
  margin: 0;
}

footer nav {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 22px;
}

@media (max-width: 780px) {
  .hero {
    padding: 58px 0 62px;
  }

  .summary-grid {
    grid-template-columns: 1fr;
    gap: 22px;
  }

  .policy-layout {
    grid-template-columns: 1fr;
    padding-top: 72px;
  }

  .contents {
    display: none;
  }

  .policy section {
    padding-bottom: 48px;
  }

  .policy section + section {
    padding-top: 48px;
  }
}

@media (max-width: 480px) {
  .site-header,
  main,
  footer {
    width: min(calc(100% - 28px), var(--max-width));
  }

  .site-header {
    min-height: 72px;
  }

  body {
    font-size: 16px;
  }

  h1 {
    font-size: 46px;
  }

  .summary-card {
    border-radius: 21px;
  }

  footer {
    display: grid;
    gap: 10px;
  }

  footer nav {
    gap: 8px 18px;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
}

/* Terms uses a deliberately quiet, document-first layout. */
.terms-document {
  color-scheme: light;
  background: #ffffff;
  color: #171717;
  font-size: 16px;
  line-height: 1.65;
}

.terms-document a {
  color: #315f8b;
}

.terms-document a:hover {
  color: #183f66;
}

.terms-document a:focus-visible {
  outline-color: #315f8b;
}

.terms-document .terms-page {
  width: min(calc(100% - 40px), 720px);
  margin-inline: auto;
  padding: 28px 0;
}

.terms-sheet {
  padding: 0;
  border: 0;
  background: transparent;
}

.terms-header {
  margin-bottom: 18px;
  padding-bottom: 16px;
  border-bottom: 1px solid #e2e2de;
  text-align: left;
}

.terms-brand {
  display: inline-block;
  margin-bottom: 14px;
  color: #121212 !important;
  font-size: 20px;
  font-weight: 760;
  letter-spacing: -0.025em;
  line-height: 1.1;
  text-decoration: none;
}

.terms-document h1,
.terms-document h2,
.terms-document h3 {
  color: #171717;
  letter-spacing: -0.025em;
}

.terms-document h1 {
  max-width: none;
  margin-bottom: 6px;
  font-size: clamp(36px, 6vw, 48px);
  font-weight: 740;
}

.terms-document .effective-date {
  margin: 0;
  color: #525252;
  font-size: 15px;
  font-weight: 650;
}

.terms-introduction {
  margin-bottom: 20px;
}

.terms-introduction p,
.terms-document .policy p,
.terms-document .policy ul {
  color: #292929;
}

.terms-introduction p {
  margin: 0 0 12px;
}

.terms-document .policy section {
  padding: 0 0 26px;
  scroll-margin-top: 20px;
}

.terms-document .policy section + section {
  padding-top: 0;
  border-top: 0;
}

.terms-document .policy h2 {
  margin-bottom: 12px;
  font-size: clamp(22px, 3vw, 26px);
  line-height: 1.3;
}

.terms-document .policy h3 {
  margin: 28px 0 8px;
  font-size: 18px;
}

.terms-document .policy p {
  margin-bottom: 12px;
}

.terms-document .policy ul {
  gap: 8px;
  margin: 18px 0 20px;
}

.terms-document .policy li::marker {
  color: #656565;
}

.terms-document .policy strong {
  color: #171717;
}

.terms-document .provider-list article {
  border-color: #e5e5e1;
  background: #f8f8f6;
}

.terms-document .contact-card {
  display: grid;
  grid-template-columns: max-content 1fr;
  gap: 8px 22px;
  align-items: baseline;
  padding: 20px 22px;
  border-color: #deded9;
  border-radius: 8px;
  background: #f8f8f6;
}

.terms-document .contact-card span {
  color: #686868;
}

.terms-footer {
  width: 100%;
  margin: 8px 0 0;
  padding: 26px 0 0;
  border-color: #e2e2de;
  color: #686868;
  font-size: 13px;
}

.terms-footer a {
  color: #525252;
}

@media (max-width: 600px) {
  .terms-document .terms-page {
    width: 100%;
    padding: 0;
  }

  .terms-sheet {
    min-height: 100vh;
    padding: 18px 20px;
    border: 0;
    border-radius: 0;
    box-shadow: none;
  }

  .terms-brand {
    margin-bottom: 12px;
    font-size: 19px;
  }

  .terms-header {
    margin-bottom: 16px;
    padding-bottom: 14px;
  }

  .terms-introduction {
    margin-bottom: 18px;
  }

  .terms-document .policy section {
    padding-bottom: 24px;
  }

  .terms-document .contact-card {
    grid-template-columns: 1fr;
    gap: 4px;
  }

  .terms-document .contact-card span:not(:first-child) {
    margin-top: 8px;
  }

  .terms-footer {
    display: grid;
    gap: 10px;
  }
}

@media print {
  :root {
    color-scheme: light;
    --background: #ffffff;
    --surface: #ffffff;
    --text: #111827;
    --muted: #4b5563;
    --border: #d1d5db;
    --border-strong: #9ca3af;
  }

  body {
    background: #ffffff;
    color: #111827;
  }

  .site-header,
  .contents,
  footer {
    display: none;
  }

  .hero {
    padding: 20px 0 40px;
  }

  .summary-card {
    box-shadow: none;
  }

  .policy-layout {
    display: block;
    padding: 50px 0 0;
  }

  .policy section {
    break-inside: avoid;
  }
}