:root {
  --bg: #f6f0e5;
  --bg-soft: #efe4d0;
  --surface: rgba(255, 250, 243, 0.9);
  --line: rgba(84, 55, 28, 0.17);
  --text: #2e2218;
  --muted: #705f50;
  --primary: #1f3d63;
  --primary-contrast: #f2f7ff;
  --accent: #c86c2e;
  --radius-xl: 26px;
  --radius-md: 14px;
  --shadow-soft: 0 16px 42px rgba(44, 30, 17, 0.14);
  --max-width: 1040px;
}

* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

body {
  min-height: 100vh;
  font-family: "Space Grotesk", sans-serif;
  color: var(--text);
  background:
    radial-gradient(circle at 12% -8%, rgba(200, 108, 46, 0.24), transparent 32%),
    radial-gradient(circle at 82% 15%, rgba(31, 61, 99, 0.25), transparent 30%),
    linear-gradient(152deg, var(--bg) 0%, var(--bg-soft) 58%, #e5d7bf 100%);
  background-attachment: fixed;
  line-height: 1.65;
}

body::before {
  content: "";
  position: fixed;
  inset: 0;
  pointer-events: none;
  opacity: 0.18;
  background-image:
    linear-gradient(rgba(40, 24, 12, 0.09) 1px, transparent 1px),
    linear-gradient(90deg, rgba(40, 24, 12, 0.09) 1px, transparent 1px);
  background-size: 46px 46px;
  z-index: -1;
}

.skip-link {
  position: fixed;
  top: 12px;
  left: 12px;
  z-index: 1000;
  transform: translateY(-160%);
  border-radius: 999px;
  background: var(--primary);
  color: var(--primary-contrast);
  padding: 10px 14px;
  font-weight: 700;
  text-decoration: none;
  box-shadow: var(--shadow-soft);
  transition: transform 160ms ease;
}

.skip-link:focus {
  transform: translateY(0);
}

:where(a, button, input, select, textarea, [tabindex]):focus-visible {
  outline: 3px solid rgba(31, 61, 99, 0.55);
  outline-offset: 3px;
}

.legal-container {
  width: min(var(--max-width), calc(100% - 34px));
  margin: 0 auto;
}

.legal-header {
  margin: 14px 0 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
  border: 1px solid var(--line);
  border-radius: 28px;
  padding: 14px 18px;
  background: rgba(255, 252, 246, 0.88);
  box-shadow: var(--shadow-soft);
}

.legal-brand {
  display: flex;
  align-items: center;
  gap: 12px;
  color: inherit;
  text-decoration: none;
}

.legal-brand-mark {
  width: 116px;
  height: 44px;
  background: url(./assets/icons/money-pulse-logo.png) 50% 62% / auto 86% no-repeat;
}

.legal-brand strong {
  display: block;
  font-size: 1rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.legal-brand span {
  display: block;
  color: var(--muted);
  font-size: 0.78rem;
}

.legal-nav {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
}

.legal-nav a {
  color: var(--muted);
  text-decoration: none;
  border-radius: 999px;
  padding: 7px 10px;
  font-size: 0.86rem;
  transition: background 160ms ease, color 160ms ease;
}

.legal-nav a:hover {
  background: rgba(31, 61, 99, 0.1);
  color: var(--primary);
}

.legal-card {
  border: 1px solid var(--line);
  border-radius: var(--radius-xl);
  background: var(--surface);
  box-shadow: var(--shadow-soft);
  padding: clamp(22px, 4vw, 42px);
  margin-bottom: 24px;
}

.legal-hero {
  border-bottom: 1px solid var(--line);
  padding-bottom: 22px;
  margin-bottom: 26px;
}

.legal-hero h1 {
  font-family: "Fraunces", serif;
  font-size: clamp(2.1rem, 5vw, 4rem);
  line-height: 1.04;
  margin-bottom: 12px;
}

.legal-hero p,
.legal-note,
.legal-section p,
.legal-section li,
.legal-meta li {
  color: var(--muted);
}

.legal-note {
  border: 1px solid rgba(31, 61, 99, 0.18);
  border-radius: var(--radius-md);
  background: rgba(31, 61, 99, 0.07);
  padding: 14px 16px;
  margin: 18px 0 0;
}

.legal-meta {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px 18px;
  list-style: none;
  margin-top: 18px;
}

.legal-section {
  margin-top: 30px;
}

.legal-section h2 {
  font-family: "Fraunces", serif;
  color: var(--primary);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  margin-bottom: 12px;
}

.legal-section h3 {
  color: var(--text);
  font-size: 1.08rem;
  margin: 20px 0 8px;
}

.legal-section p + p {
  margin-top: 10px;
}

.legal-section ul,
.legal-section ol {
  margin: 8px 0 0 22px;
}

.legal-section li + li {
  margin-top: 6px;
}

.legal-section a,
.legal-footer a {
  color: var(--primary);
  font-weight: 700;
}

.legal-divider {
  height: 1px;
  background: var(--line);
  margin: 34px 0;
}

.legal-footer {
  text-align: center;
  color: var(--muted);
  font-size: 0.86rem;
  padding: 10px 0 34px;
}

.legal-footer nav {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 10px 16px;
  margin-bottom: 8px;
}

@media (max-width: 760px) {
  .legal-container {
    width: min(var(--max-width), calc(100% - 16px));
  }

  .legal-header {
    align-items: flex-start;
    border-radius: 18px;
  }

  .legal-brand-mark {
    width: 92px;
    height: 36px;
  }

  .legal-nav {
    width: 100%;
  }

  .legal-nav a {
    background: rgba(255, 255, 255, 0.55);
  }

  .legal-meta {
    grid-template-columns: 1fr;
  }
}