*, *::before, *::after { margin:0; padding:0; box-sizing:border-box; }
:root {
  --navy:     #03375B;
  --navy-dk:  #022a47;
  --navy-lt:  #ddeaf5;
  --cream:    #faf8f4;
  --warm:     #f3ede3;
  --border:   #e2ddd5;
  --text:     #1a1a1a;
  --muted:    #6b7a87;
  --white:    #ffffff;
  --rad:      10px;
}
html { scroll-behavior:smooth; -webkit-text-size-adjust:100%; }
body { background: var(--cream); color: var(--text); font-family: 'DM Sans', sans-serif; font-size: 16px; line-height: 1.6; overflow-x: hidden; }
img { max-width:100%; display:block; }
a { color: inherit; }
h1, h2, h3 { font-family: 'Cabin', sans-serif; line-height: 1.1; letter-spacing: -.02em; }
h1 { font-size: clamp(32px, 7vw, 52px); font-weight:700; }

.wrap { max-width: 1080px; margin: 0 auto; padding: 0 20px; }
@media(min-width:640px){ .wrap { padding: 0 32px; } }
@media(min-width:1120px){ .wrap { padding: 0 24px; } }

.section { padding: 56px 0; }

.label { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .14em; color: var(--navy); margin-bottom: 12px; }

.breadcrumb { background: var(--white); border-bottom: 1px solid var(--border); padding: 12px 20px; font-size: 13px; color: var(--muted); }
.breadcrumb a { color: var(--navy); text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb span { margin: 0 6px; }

.page-hero { background: var(--navy); padding: 48px 20px 44px; color: white; }
@media(min-width:640px){ .page-hero { padding: 64px 32px 56px; } }
.page-hero .label { color: rgba(255,255,255,.4); }
.page-hero h1 { color: white; font-size: clamp(28px,5vw,48px); margin-bottom: 14px; }
.page-hero p { font-size: 16px; color: rgba(255,255,255,.6); font-weight: 300; max-width: 560px; line-height: 1.75; }
.page-hero .updated { font-size: 13px; color: rgba(255,255,255,.4); margin-top: 18px; }

/* Contents nav */
.toc { background: var(--white); border: 1px solid var(--border); border-radius: var(--rad); padding: 22px 24px; margin-bottom: 8px; }
.toc-title { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; color: var(--muted); margin-bottom: 12px; }
.toc ol { list-style: none; display: grid; grid-template-columns: 1fr; gap: 8px; }
@media(min-width:640px){ .toc ol { grid-template-columns: 1fr 1fr; } }
.toc a { color: var(--navy); text-decoration: none; font-size: 14px; font-weight: 500; }
.toc a:hover { text-decoration: underline; }

.legal-content { max-width: 760px; }
.legal-content section + section { margin-top: 40px; }
.legal-content h2 { font-size: 20px; margin: 0 0 12px; scroll-margin-top: 80px; }
.legal-content p { font-size: 15px; color: var(--muted); line-height: 1.75; margin-bottom: 14px; }
.legal-content ul { margin: 0 0 14px 0; padding-left: 22px; }
.legal-content li { font-size: 15px; color: var(--muted); line-height: 1.75; margin-bottom: 6px; }
.legal-content strong { color: var(--text); font-weight: 600; }
.legal-content a.inline-link { color: var(--navy); text-decoration: underline; text-underline-offset: 2px; }

.note-box { background: var(--warm); border: 1px solid var(--border); border-radius: var(--rad); padding: 18px 20px; font-size: 14.5px; color: var(--muted); line-height: 1.7; margin: 20px 0; }
.note-box strong { color: var(--text); }

footer {
  background: var(--navy);
  color: white;
  padding: 52px 0 28px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 36px;
  margin-bottom: 44px;
}
@media(min-width:768px){ .footer-grid { grid-template-columns: 2fr 1fr 1fr; } }

.footer-brand {
  font-family: 'Cabin', sans-serif;
  font-size: 22px;
  font-weight: 700;
  margin-bottom: 10px;
  letter-spacing: -.02em;
}
.footer-tagline {
  font-size: 13px;
  color: rgba(255,255,255,.45);
  font-weight: 300;
  line-height: 1.7;
  max-width: 230px;
}
.footer-col-title {
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: .14em;
  color: rgba(255,255,255,.35);
  font-weight: 700;
  margin-bottom: 14px;
}
.footer-nav {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer-nav a {
  color: rgba(255,255,255,.65);
  text-decoration: none;
  font-size: 14px;
  font-weight: 300;
  transition: color .15s;
}
.footer-areas-block {
  border-top: 1px solid rgba(255,255,255,.08);
  margin-top: 8px;
  padding-top: 26px;
  margin-bottom: 26px;
}
.footer-nav-areas {
  flex-direction: row;
  flex-wrap: wrap;
  gap: 8px;
}
.footer-nav-areas a {
  font-size: 12.5px;
  color: rgba(255,255,255,.6);
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.1);
  padding: 5px 12px;
  border-radius: 100px;
  transition: all .15s ease;
}
.footer-nav-areas a:hover {
  background: rgba(255,255,255,.14);
  color: white;
}

.footer-nav a:hover { color: white; }
.footer-nav a.footer-contact-highlight {
  color: white;
  font-weight: 600;
  font-size: 15px;
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  padding-top: 22px;
  display: flex;
  flex-direction: column;
  gap: 6px;
}
@media(min-width:768px){
  .footer-bottom { flex-direction: row; justify-content: space-between; align-items: flex-end; }
}
.footer-legal {
  font-size: 11px;
  color: rgba(255,255,255,.25);
  line-height: 1.8;
  max-width: 580px;
}
.footer-copy {
  font-size: 11px;
  color: rgba(255,255,255,.25);
  white-space: nowrap;
}

/* =====================
   SECTION LABELS
   ===================== */
.label {
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .14em;
  color: var(--navy);
  margin-bottom: 12px;
}

/* =====================
   SOCIAL STRIP
   ===================== */
.social-strip {
  background: var(--navy-dk);
  padding: 14px 20px;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
@media(min-width:640px){ .social-strip { padding: 14px 32px; } }
.social-strip-inner {
  max-width: 1080px;
  margin: 0 auto;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 12px 20px;
  justify-content: center;
}
@media(min-width:640px){ .social-strip-inner { justify-content: space-between; } }
.social-strip-label {
  font-size: 12px;
  color: rgba(255,255,255,.4);
  text-transform: uppercase;
  letter-spacing: .1em;
  font-weight: 600;
  white-space: nowrap;
}
.social-links {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.social-btn {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  font-size: 13px;
  font-weight: 600;
  color: rgba(255,255,255,.75);
  text-decoration: none;
  padding: 7px 13px;
  border-radius: 6px;
  border: 1px solid rgba(255,255,255,.12);
  background: rgba(255,255,255,.06);
  transition: all .18s ease;
  white-space: nowrap;
}
.social-btn:hover { background: rgba(255,255,255,.14); color: white; border-color: rgba(255,255,255,.25); }
.social-btn.instagram:hover { background: rgba(225,48,108,.25); border-color: rgba(225,48,108,.4); }
.social-btn.facebook:hover { background: rgba(24,119,242,.25); border-color: rgba(24,119,242,.4); }
.social-btn.tiktok:hover { background: rgba(255,255,255,.12); }
.social-btn.trustpilot:hover { background: rgba(0,182,122,.2); border-color: rgba(0,182,122,.4); }
.reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity .55s ease, transform .55s ease;
}
.reveal.visible { opacity: 1; transform: translateY(0); }

/* =====================
   REVEAL ANIMATION
   ===================== */
.scroll-top {
  position: fixed;
  bottom: 20px;
  right: 20px;
  width: 44px;
  height: 44px;
  background: var(--navy);
  color: white;
  border: none;
  cursor: pointer;
  font-size: 18px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  pointer-events: none;
  transition: opacity .3s;
  z-index: 50;
  box-shadow: 0 2px 16px rgba(3,55,91,.35);
}
.scroll-top.show { opacity: 1; pointer-events: auto; }