:root {
  --ink: #1d1d1f;
  --ink-2: #6e6e73;
  --ink-3: #86868b;
  --bg: #fbfbfd;
  --panel: #f5f5f7;
  --blue: #0071e3;
  --hair: rgba(0, 0, 0, .09);
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  background: var(--bg);
  color: var(--ink);
  font-family: -apple-system, BlinkMacSystemFont, "SF Pro Display", "SF Pro Text", "Helvetica Neue", "Segoe UI", Arial, sans-serif;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
a { color: inherit; text-decoration: none; }
::selection { background: rgba(0, 113, 227, .18); }

.skip-link {
  position: fixed;
  top: 8px;
  left: 12px;
  z-index: 100;
  padding: 10px 14px;
  border-radius: 10px;
  background: var(--ink);
  color: #fff;
  transform: translateY(-150%);
}
.skip-link:focus { transform: none; }

.glass-nav {
  position: fixed;
  top: 14px;
  left: 16px;
  right: 16px;
  z-index: 60;
  display: flex;
  align-items: center;
  justify-content: space-between;
  max-width: 1040px;
  height: 56px;
  margin: 0 auto;
  padding: 0 12px 0 14px;
  border: 1px solid rgba(255, 255, 255, .72);
  border-radius: 999px;
  background: rgba(255, 255, 255, .62);
  box-shadow: inset 0 1px 0 rgba(255,255,255,.9), 0 10px 30px rgba(0,0,0,.08);
  -webkit-backdrop-filter: blur(24px) saturate(180%);
  backdrop-filter: blur(24px) saturate(180%);
}
.nav-brand { display: flex; align-items: center; gap: 8px; }
.nav-brand img { width: 30px; height: 30px; }
.nav-brand span { font-size: 16px; font-weight: 600; letter-spacing: -.01em; }
.nav-links { display: flex; align-items: center; gap: clamp(18px, 2.4vw, 32px); }
.nav-links a { color: var(--ink-2); font-size: 14px; font-weight: 500; white-space: nowrap; }
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--ink); }
.nav-dl {
  padding: 9px 18px;
  border-radius: 999px;
  background: var(--blue);
  color: #fff;
  font-size: 13px;
  font-weight: 500;
}
.nav-dl:hover { background: #0077ed; }

.hero {
  position: relative;
  overflow: hidden;
  padding: clamp(150px, 20vh, 206px) 24px clamp(54px, 7vw, 82px);
  text-align: center;
}
.hero::after {
  position: absolute;
  top: -32vw;
  left: 50%;
  z-index: 0;
  width: 68vw;
  height: 68vw;
  background: radial-gradient(closest-side, rgba(0, 113, 227, .1), transparent);
  content: "";
  pointer-events: none;
  transform: translateX(-50%);
}
.hero-inner { position: relative; z-index: 1; max-width: 840px; margin: 0 auto; }
.eyebrow { color: var(--ink-3); font-size: 13px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; }
.hero h1 { margin-top: 16px; font-size: clamp(40px, 6vw, 72px); line-height: 1.03; letter-spacing: -.035em; }
.accent { color: var(--blue); }
.hero-sub { max-width: 64ch; margin: 22px auto 0; color: var(--ink-2); font-size: clamp(17px, 1.8vw, 20px); line-height: 1.58; }
.hero-meta { margin-top: 26px; color: var(--ink-3); font-size: 13.5px; }
.hero-meta span { display: inline-block; margin: 0 9px; color: rgba(0,0,0,.22); }

.summary { padding: clamp(52px, 7vw, 82px) 24px; background: var(--panel); }
.summary-inner { max-width: 1120px; margin: 0 auto; }
.summary-label { margin-bottom: 30px; text-align: center; }
.summary-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.summary-card { padding: 26px 24px; border: 1px solid rgba(0,0,0,.05); border-radius: 20px; background: #fff; box-shadow: 0 14px 34px rgba(0,0,0,.045); }
.summary-card h2 { font-size: 16.5px; letter-spacing: -.01em; }
.summary-card p { margin-top: 9px; color: var(--ink-2); font-size: 14px; line-height: 1.55; }

.doc { display: grid; grid-template-columns: 230px minmax(0, 680px); gap: clamp(40px, 6vw, 84px); justify-content: center; max-width: 1120px; margin: 0 auto; padding: clamp(64px, 8vw, 110px) 24px; }
.toc { position: sticky; top: 92px; align-self: start; }
.toc-label { margin-bottom: 16px; color: var(--ink-3); font-size: 12px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; }
.toc ol { list-style: none; }
.toc li { margin-bottom: 3px; }
.toc a { display: flex; gap: 10px; padding: 7px 10px; border-radius: 10px; color: var(--ink-2); font-size: 14px; line-height: 1.35; }
.toc a:hover, .toc a:focus-visible { background: rgba(0,0,0,.04); color: var(--ink); }
.toc a span { flex: none; color: var(--ink-3); font-variant-numeric: tabular-nums; font-weight: 600; }
.doc-body { min-width: 0; }
.doc-sec { margin-bottom: clamp(40px, 5vw, 60px); padding-bottom: clamp(40px, 5vw, 60px); border-bottom: 1px solid var(--hair); scroll-margin-top: 96px; }
.doc-sec:last-child { margin-bottom: 0; padding-bottom: 0; border-bottom: 0; }
.doc-num { color: var(--blue); font-size: 12.5px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; }
.doc-sec h2 { margin-top: 12px; font-size: clamp(27px, 3.2vw, 36px); line-height: 1.12; letter-spacing: -.025em; }
.doc-sec h3 { margin-top: 28px; font-size: 17px; letter-spacing: -.01em; }
.doc-sec p { margin-top: 16px; color: var(--ink-2); font-size: 16px; line-height: 1.68; }
.doc-sec strong { color: var(--ink); font-weight: 600; }
.doc-sec a, .legal-list a { color: var(--blue); text-decoration: underline; text-decoration-thickness: 1px; text-underline-offset: 3px; }
.plain-language { display: flex; gap: 12px; align-items: baseline; margin-top: 18px; padding: 16px 18px; border-radius: 14px; background: var(--panel); color: var(--ink-2); font-size: 15px; line-height: 1.55; }
.plain-language strong { flex: none; color: var(--blue); font-size: 11px; letter-spacing: .08em; text-transform: uppercase; }
.legal-list { display: flex; flex-direction: column; gap: 14px; margin-top: 20px; list-style: none; }
.legal-list li { position: relative; padding-left: 28px; color: var(--ink-2); font-size: 16px; line-height: 1.62; }
.legal-list li::before { position: absolute; top: 9px; left: 2px; width: 8px; height: 8px; border-radius: 50%; background: var(--blue); content: ""; opacity: .55; }
.notice { margin-top: 22px; padding: 18px 20px; border: 1px solid rgba(0,113,227,.16); border-radius: 14px; background: rgba(0,113,227,.05); color: var(--ink-2); font-size: 15px; line-height: 1.62; }

.footer { padding: clamp(56px, 7vw, 80px) 24px 38px; border-top: 1px solid var(--hair); background: var(--panel); }
.footer-inner { max-width: 1120px; margin: 0 auto; }
.footer-top { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 44px; }
.footer-brand { max-width: 280px; }
.footer-brand-row { display: flex; align-items: center; gap: 9px; }
.footer-brand-row img { width: 30px; height: 30px; }
.footer-brand-row span { font-size: 17px; font-weight: 600; }
.footer-tag { margin-top: 14px; color: var(--ink-3); font-size: 14px; line-height: 1.55; }
.footer-cols { display: flex; flex-wrap: wrap; gap: clamp(36px, 6vw, 80px); }
.footer-col h2 { margin-bottom: 14px; font-size: 13px; }
.footer-col a { display: block; margin-bottom: 10px; color: var(--ink-2); font-size: 14px; }
.footer-col a:hover { color: var(--ink); }
.footer-bottom { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 14px 28px; margin-top: 46px; padding-top: 24px; border-top: 1px solid var(--hair); color: var(--ink-3); font-size: 12.5px; line-height: 1.5; }

@media (max-width: 900px) {
  .nav-links { display: none; }
  .summary-grid { grid-template-columns: 1fr; }
  .doc { grid-template-columns: 1fr; gap: 36px; }
  .toc { position: static; }
}
@media (max-width: 640px) {
  .glass-nav { top: 10px; left: 10px; right: 10px; height: 50px; padding: 0 8px 0 12px; }
  .nav-brand img { width: 26px; height: 26px; }
  .nav-brand span { font-size: 15px; }
  .nav-dl { padding: 8px 14px; font-size: 12px; }
  .plain-language { display: block; }
  .plain-language strong { display: block; margin-bottom: 5px; }
  .footer-top { gap: 32px; }
  .footer-cols { gap: 36px; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }