<style>
/* ============================================================
   LEGAL PAGE DESIGN TOKENS  (shared with privacy-policy.php)
============================================================ */
:root {
  --brand-primary: #00a88c;
  --brand-dark:    #007f6a;
  --brand-light:   #e6f7f4;
  --navy:          #0B1F3A;
  --text-body:     #374151;
  --text-muted:    #6b7280;
  --border:        #e5e7eb;
  --bg-soft:       #f8fafc;
  --white:         #ffffff;
  --radius-lg:     16px;
  --radius-md:     10px;
  --shadow-card:   0 4px 24px rgba(11,31,58,.08);
  --font-sans:     'DM Sans', sans-serif;
  --font-serif:    'Playfair Display', serif;
}

.skip-link {
  position: absolute; top: -40px; left: 0;
  background: var(--brand-primary); color: #fff;
  padding: 8px 16px; z-index: 9999;
  font-family: var(--font-sans); text-decoration: none;
  border-radius: 0 0 8px 0; transition: top .2s;
}
.skip-link:focus { top: 0; }

.breadcrumb-bar {
  background: var(--bg-soft);
  border-bottom: 1px solid var(--border);
  padding: 12px 0;
}
.breadcrumb-bar .container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.breadcrumb-nav {
  display: flex; align-items: center; gap: 8px;
  list-style: none; margin: 0; padding: 0;
  font-family: var(--font-sans); font-size: 0.82rem; color: var(--text-muted);
}
.breadcrumb-nav li a { color: var(--brand-primary); text-decoration: none; font-weight: 500; }
.breadcrumb-nav li a:hover { text-decoration: underline; }
.breadcrumb-nav .sep { font-size: 0.75rem; }

.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }

/* ---- Legal Hero ---- */
.legal-hero {
  background: linear-gradient(135deg, #0B1F3A 0%, #0d3060 55%, #0a4a3a 100%);
  padding: 80px 0 64px;
  text-align: center;
  position: relative; overflow: hidden;
}
.legal-hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 80% 60% at 50% 0%, rgba(0,168,140,.18) 0%, transparent 70%);
  pointer-events: none;
}
.legal-hero .container { position: relative; z-index: 1; }
.legal-hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(0,168,140,.18);
  border: 1px solid rgba(0,168,140,.35);
  color: #5ef0d8;
  font-family: var(--font-sans); font-size: 0.8rem; font-weight: 600;
  letter-spacing: .06em; text-transform: uppercase;
  padding: 6px 16px; border-radius: 100px; margin-bottom: 20px;
}
.legal-hero-title {
  font-family: var(--font-serif);
  font-size: clamp(1.9rem, 4vw, 3rem);
  font-weight: 800; color: #fff;
  margin: 0 0 16px; line-height: 1.15;
}
.legal-hero-meta {
  display: flex; justify-content: center; flex-wrap: wrap; gap: 20px;
  font-family: var(--font-sans); font-size: 0.875rem;
  color: rgba(255,255,255,.65);
}
.legal-hero-meta span { display: flex; align-items: center; gap: 6px; }
.legal-hero-meta i { color: #00e5c0; }

/* ---- Two Column Layout ---- */
.legal-layout {
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 48px;
  padding: 60px 0 80px;
  align-items: start;
}
.legal-toc { position: sticky; top: 24px; }
.toc-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px 20px;
  box-shadow: var(--shadow-card);
}
.toc-heading {
  font-family: var(--font-sans);
  font-size: 0.78rem; font-weight: 700;
  letter-spacing: .1em; text-transform: uppercase;
  color: var(--brand-primary); margin: 0 0 16px;
  display: flex; align-items: center; gap: 8px;
}
.toc-list { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 4px; }
.toc-list li a {
  display: flex; align-items: center; gap: 8px;
  font-family: var(--font-sans); font-size: 0.84rem;
  color: var(--text-muted); text-decoration: none;
  padding: 7px 10px; border-radius: 8px;
  transition: background .15s, color .15s; line-height: 1.4;
}
.toc-list li a:hover,
.toc-list li a.active { background: var(--brand-light); color: var(--brand-primary); }
.toc-list li a i { font-size: 0.75rem; flex-shrink: 0; color: var(--brand-primary); }
.toc-divider { height: 1px; background: var(--border); margin: 12px 0; }
.toc-contact { font-family: var(--font-sans); font-size: 0.82rem; color: var(--text-muted); margin: 0; line-height: 1.6; }
.toc-contact a { color: var(--brand-primary); font-weight: 600; text-decoration: none; }
.toc-contact a:hover { text-decoration: underline; }

/* ---- Legal Content ---- */
.legal-content { min-width: 0; }

.legal-alert {
  background: #fff8e6;
  border: 1px solid rgba(245,158,11,.3);
  border-left: 4px solid #f59e0b;
  border-radius: var(--radius-md);
  padding: 18px 22px;
  display: flex; gap: 14px; align-items: flex-start;
  margin-bottom: 40px;
}
.legal-alert i { color: #f59e0b; font-size: 1.1rem; margin-top: 2px; flex-shrink: 0; }
.legal-alert p { font-family: var(--font-sans); font-size: 0.9rem; color: var(--text-body); margin: 0; line-height: 1.6; }
.legal-alert strong { color: var(--navy); }

.legal-section { margin-bottom: 52px; scroll-margin-top: 80px; }
.legal-section:last-child { margin-bottom: 0; }

.legal-section-header {
  display: flex; align-items: center; gap: 14px;
  margin-bottom: 20px; padding-bottom: 16px;
  border-bottom: 2px solid var(--border);
}
.legal-section-icon {
  width: 44px; height: 44px;
  border-radius: 12px;
  background: var(--brand-light);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.legal-section-icon i { font-size: 1.1rem; color: var(--brand-primary); }
.legal-section-icon.amber { background: #fff8e6; }
.legal-section-icon.amber i { color: #f59e0b; }
.legal-section-icon.rose { background: #fff1f2; }
.legal-section-icon.rose i { color: #e11d48; }
.legal-section-icon.navy { background: #e8edf5; }
.legal-section-icon.navy i { color: var(--navy); }

.legal-section-title {
  font-family: var(--font-serif);
  font-size: 1.35rem; font-weight: 700;
  color: var(--navy); margin: 0;
}
.legal-body {
  font-family: var(--font-sans);
  font-size: 0.95rem; color: var(--text-body);
  line-height: 1.8; margin: 0 0 16px;
}
.legal-body:last-child { margin-bottom: 0; }
.legal-subheading {
  font-family: var(--font-sans);
  font-size: 1rem; font-weight: 700;
  color: var(--navy); margin: 28px 0 10px;
}

.legal-data-list { list-style: none; margin: 0 0 20px; padding: 0; display: flex; flex-direction: column; gap: 10px; }
.legal-data-list li {
  display: flex; gap: 12px; align-items: flex-start;
  font-family: var(--font-sans); font-size: 0.92rem;
  color: var(--text-body); line-height: 1.7;
}
.legal-data-list li i { color: var(--brand-primary); font-size: 0.85rem; margin-top: 4px; flex-shrink: 0; }
.legal-data-list li i.amber { color: #f59e0b; }
.legal-data-list li i.rose  { color: #e11d48; }

.legal-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; margin: 20px 0; }
.legal-grid-card { background: var(--bg-soft); border: 1px solid var(--border); border-radius: var(--radius-md); padding: 20px 18px; }
.legal-grid-card-title {
  font-family: var(--font-sans); font-weight: 700; font-size: 0.88rem;
  color: var(--navy); margin: 0 0 6px; display: flex; align-items: center; gap: 8px;
}
.legal-grid-card-title i { color: var(--brand-primary); font-size: 0.9rem; }
.legal-grid-card p { font-family: var(--font-sans); font-size: 0.86rem; color: var(--text-muted); margin: 0; line-height: 1.6; }

.legal-highlight {
  background: var(--navy); border-radius: var(--radius-md);
  padding: 24px 26px; margin: 24px 0;
  display: flex; gap: 16px; align-items: flex-start;
}
.legal-highlight i { color: #00e5c0; font-size: 1.2rem; margin-top: 2px; flex-shrink: 0; }
.legal-highlight p { font-family: var(--font-sans); font-size: 0.9rem; color: rgba(255,255,255,.85); margin: 0; line-height: 1.7; }
.legal-highlight strong { color: #fff; }

.legal-warning {
  background: #fff1f2; border: 1px solid rgba(225,29,72,.2);
  border-left: 4px solid #e11d48;
  border-radius: var(--radius-md);
  padding: 18px 22px; margin: 20px 0;
  display: flex; gap: 14px; align-items: flex-start;
}
.legal-warning i { color: #e11d48; font-size: 1.1rem; margin-top: 2px; flex-shrink: 0; }
.legal-warning p { font-family: var(--font-sans); font-size: 0.9rem; color: var(--text-body); margin: 0; line-height: 1.6; }
.legal-warning strong { color: #be123c; }

.legal-contact-card {
  background: linear-gradient(135deg, #e6f7f4 0%, #f0f9ff 100%);
  border: 1px solid rgba(0,168,140,.2);
  border-radius: var(--radius-lg);
  padding: 32px 28px; margin-top: 40px;
  display: flex; gap: 20px; align-items: flex-start;
}
.legal-contact-card .contact-icon {
  width: 52px; height: 52px; background: var(--brand-primary);
  border-radius: 14px; display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.legal-contact-card .contact-icon i { font-size: 1.3rem; color: #fff; }
.legal-contact-card h3 { font-family: var(--font-sans); font-weight: 700; font-size: 1rem; color: var(--navy); margin: 0 0 6px; }
.legal-contact-card p { font-family: var(--font-sans); font-size: 0.9rem; color: var(--text-muted); margin: 0 0 14px; line-height: 1.6; }
.legal-contact-card a.contact-btn {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--brand-primary); color: #fff;
  font-family: var(--font-sans); font-weight: 600; font-size: 0.88rem;
  padding: 10px 22px; border-radius: 100px;
  text-decoration: none; transition: background .2s;
}
.legal-contact-card a.contact-btn:hover { background: var(--brand-dark); }

/* Numbered Clause List */
.clause-list { list-style: none; margin: 0 0 20px; padding: 0; counter-reset: clause; display: flex; flex-direction: column; gap: 12px; }
.clause-list li {
  counter-increment: clause;
  display: flex; gap: 14px; align-items: flex-start;
  font-family: var(--font-sans); font-size: 0.92rem; color: var(--text-body); line-height: 1.7;
}
.clause-list li::before {
  content: counter(clause);
  min-width: 26px; height: 26px;
  background: var(--brand-light);
  color: var(--brand-primary);
  font-weight: 800; font-size: 0.78rem;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0; margin-top: 2px;
}

/* CTA Banner */
.cta-banner { background: linear-gradient(135deg, #0B1F3A 0%, #0d3060 55%, #0a4a3a 100%); padding: 72px 0; text-align: center; }
.cta-banner-title { font-family: var(--font-serif); font-size: clamp(1.7rem, 3vw, 2.5rem); font-weight: 800; color: #fff; margin: 0 0 14px; }
.cta-banner-sub { font-family: var(--font-sans); font-size: 1rem; color: rgba(255,255,255,.72); margin: 0 auto 32px; max-width: 520px; line-height: 1.7; }
.cta-btn-group { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
.cta-btn-primary {
  display: inline-flex; align-items: center; gap: 10px;
  background: var(--brand-primary); color: #fff;
  font-family: var(--font-sans); font-weight: 700; font-size: 0.95rem;
  padding: 13px 30px; border-radius: 100px; text-decoration: none;
  transition: background .2s, transform .15s;
}
.cta-btn-primary:hover { background: var(--brand-dark); transform: translateY(-2px); }
.cta-btn-secondary {
  display: inline-flex; align-items: center; gap: 10px;
  background: rgba(255,255,255,.1); border: 2px solid rgba(255,255,255,.3);
  color: #fff; font-family: var(--font-sans); font-weight: 600; font-size: 0.95rem;
  padding: 11px 28px; border-radius: 100px; text-decoration: none;
  transition: background .2s, transform .15s;
}
.cta-btn-secondary:hover { background: rgba(255,255,255,.18); transform: translateY(-2px); }

@media (max-width: 900px) {
  .legal-layout { grid-template-columns: 1fr; }
  .legal-toc { position: static; }
  .toc-card { display: none; }
}
@media (max-width: 640px) {
  .legal-grid { grid-template-columns: 1fr; }
  .legal-contact-card { flex-direction: column; }
}
</style>