:root {
  --navy:        #1A2A4A;
  --navy-mid:    #2E4270;
  --navy-dark:   #111D33;
  --gold:        #C9973A;
  --gold-light:  #E8C06A;
  --gold-pale:   #FDF4E3;
  --warm-white:  #F6F5F2;
  --white:       #FFFFFF;
  --text-dark:   #1C1C1E;
  --text-muted:  #5A5A6E;
  --border:      #E2E0DB;
  --font-heading: 'Playfair Display', Georgia, serif;
  --font-body:    'Inter', system-ui, -apple-system, sans-serif;
  --container-max: 820px;
  --radius: 8px;
  --shadow-sm: 0 2px 8px rgba(26,42,74,0.08);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-body);
  color: var(--text-dark);
  background: var(--warm-white);
  line-height: 1.75;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--gold); text-decoration: none; }
a:hover { text-decoration: underline; }

/* Nav */
.nav {
  background: var(--navy);
  padding: 0 24px;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 12px rgba(0,0,0,0.25);
}
.nav-inner {
  max-width: var(--container-max);
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}
.nav-logo-mark {
  width: 38px;
  height: 38px;
  border-radius: 6px;
  overflow: hidden;
  flex-shrink: 0;
}
.nav-logo-mark img { width: 38px; height: 38px; object-fit: cover; }
.nav-logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}
.brand-name {
  font-family: var(--font-heading);
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: 0.01em;
}
.brand-sub {
  font-size: 0.65rem;
  font-weight: 500;
  color: var(--gold-light);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.nav-back {
  color: var(--gold-light);
  font-size: 0.875rem;
  font-weight: 500;
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 6px;
  transition: color 0.2s;
}
.nav-back:hover { color: var(--white); text-decoration: none; }

/* Page Header */
.page-header {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  padding: 64px 24px 56px;
  text-align: center;
}
.page-header h1 {
  font-family: var(--font-heading);
  font-size: clamp(2rem, 5vw, 2.75rem);
  font-weight: 700;
  color: var(--white);
  margin-bottom: 12px;
}
.page-header .subtitle {
  color: var(--gold-light);
  font-size: 0.95rem;
}

/* Content */
.content-wrap {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 56px 24px 80px;
}
.legal-card {
  background: var(--white);
  border-radius: 12px;
  padding: 48px;
  box-shadow: var(--shadow-sm);
}
.effective-date {
  display: inline-block;
  background: var(--gold-pale);
  color: var(--navy);
  font-size: 0.8rem;
  font-weight: 600;
  padding: 4px 14px;
  border-radius: 100px;
  margin-bottom: 32px;
}
.legal-card h2 {
  font-family: var(--font-heading);
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--navy);
  margin-top: 40px;
  margin-bottom: 14px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--gold-pale);
}
.legal-card h2:first-of-type { margin-top: 0; }
.legal-card p {
  color: var(--text-dark);
  margin-bottom: 14px;
  font-size: 0.9625rem;
}
.legal-card ul {
  margin: 0 0 16px 20px;
  color: var(--text-dark);
  font-size: 0.9625rem;
}
.legal-card ul li { margin-bottom: 6px; }
.legal-card a { color: var(--gold); }
.legal-card strong { font-weight: 600; }
.contact-block {
  background: var(--gold-pale);
  border-left: 4px solid var(--gold);
  border-radius: 0 8px 8px 0;
  padding: 20px 24px;
  margin-top: 16px;
}
.contact-block p { margin-bottom: 4px; }
.notice-box {
  background: #EFF6FF;
  border: 1px solid #BFDBFE;
  border-radius: var(--radius);
  padding: 16px 20px;
  margin-bottom: 20px;
  font-size: 0.9rem;
  color: #1E3A5F;
}
.processor-table {
  width: 100%;
  border-collapse: collapse;
  margin-bottom: 16px;
  font-size: 0.9rem;
}
.processor-table th {
  background: var(--navy);
  color: var(--white);
  padding: 10px 14px;
  text-align: left;
  font-weight: 600;
}
.processor-table td {
  padding: 9px 14px;
  border-bottom: 1px solid var(--border);
  vertical-align: top;
}
.processor-table tr:nth-child(even) td { background: var(--warm-white); }

/* Footer */
.footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.55);
  text-align: center;
  padding: 28px 24px;
  font-size: 0.8rem;
}
.footer a { color: var(--gold-light); }
.footer a:hover { color: var(--white); }
.footer-links {
  margin-top: 8px;
  display: flex;
  gap: 20px;
  justify-content: center;
  flex-wrap: wrap;
}

@media (max-width: 600px) {
  .legal-card { padding: 28px 20px; }
  .processor-table { font-size: 0.8rem; }
}