*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
    :root{
      --black:#000;--white:#fff;--offwhite:#F8F8F6;
      --g1:#B0B0B0;--g2:#777;--g3:#444;--g4:#222;--g5:#E8E8E8;
      --green:#2AFF00;--blue:#38618C;
      --fh:'Outfit',sans-serif;--fb:'Inter',sans-serif;--fn:'Exo 2',sans-serif;
    }
    html{font-size:16px;-webkit-font-smoothing:antialiased;scroll-behavior:smooth}
    body{font-family:var(--fb);background:var(--white);color:var(--black);overflow-x:hidden}
    a{color:inherit;text-decoration:none}
    img{display:block;max-width:100%}

    /* ════ NAV ════ */
    .nav{
      position:fixed;top:0;left:0;right:0;z-index:100;
      display:flex;align-items:center;justify-content:space-between;
      padding:0 clamp(20px,3vw,40px);height:56px;
      background:rgba(255,255,255,.92);
      backdrop-filter:blur(16px) saturate(180%);
      -webkit-backdrop-filter:blur(16px) saturate(180%);
      border-bottom:1px solid var(--g5);
    }
    .nav-logo{display:flex;align-items:center;height:100%}
    .nav-logo img{height:22px;width:auto;display:block}
    @media(max-width:768px){.nav-logo img{height:22px}}
    .nav-links{display:flex;gap:clamp(24px,3vw,40px);list-style:none}
    .nav-links a{font-family:var(--fh);font-size:.78rem;font-weight:500;color:var(--g3);letter-spacing:.01em;transition:color .2s}
    .nav-links a:hover{color:var(--black)}

    /* ════ LEGAL HEADER ════ */
    .legal-head{
      margin-top:56px;
      padding:clamp(56px,9vh,104px) clamp(20px,3vw,40px) clamp(36px,5vh,56px);
      border-bottom:1px solid var(--g5);background:var(--offwhite);
    }
    .legal-head-inner{max-width:760px;margin:0 auto}
    .legal-eyebrow{
      display:flex;align-items:center;gap:10px;
      font-family:var(--fh);font-size:.72rem;font-weight:700;
      letter-spacing:.12em;text-transform:uppercase;color:var(--black);
      margin-bottom:18px;
    }
    .legal-eyebrow::before{
      content:'';display:block;width:3px;height:16px;
      background:var(--green);border-radius:1px;flex-shrink:0;
    }
    .legal-title{
      font-family:var(--fh);font-size:clamp(2rem,4.5vw,3rem);
      font-weight:800;letter-spacing:-.04em;line-height:1.08;color:var(--black);
      margin-bottom:18px;
    }
    .legal-sub{
      font-family:var(--fb);font-size:.95rem;color:var(--g2);line-height:1.6;
      max-width:640px;margin-bottom:24px;
    }
    .legal-dates{
      display:flex;flex-wrap:wrap;gap:10px 28px;
      font-family:var(--fb);font-size:.8rem;color:var(--g2);
    }
    .legal-dates b{font-weight:600;color:var(--g3)}

    /* ════ ARTICLE BODY ════ */
    .article{
      max-width:760px;margin:0 auto;
      padding:clamp(40px,6vh,72px) clamp(20px,3vw,40px) clamp(56px,8vh,96px);
    }
    .article p{font-family:var(--fb);font-size:.92rem;color:var(--g3);line-height:1.75;margin-bottom:18px}
    .article h2{
      font-family:var(--fh);font-size:clamp(1.25rem,2.4vw,1.6rem);
      font-weight:800;letter-spacing:-.03em;color:var(--black);line-height:1.18;
      margin:clamp(40px,6vh,60px) 0 16px;
      display:flex;align-items:baseline;gap:12px;
    }
    .article h2 .sn{
      font-family:var(--fn);font-size:.9rem;font-weight:700;color:var(--g1);
      letter-spacing:0;flex-shrink:0;min-width:26px;
    }
    .article h3{
      font-family:var(--fh);font-size:1.02rem;font-weight:700;letter-spacing:-.015em;
      color:var(--black);margin:26px 0 10px;
    }
    .article strong{color:var(--black);font-weight:600}
    .article em{font-style:italic;color:var(--g2)}
    .article a.inline{color:var(--black);border-bottom:1px solid var(--g5);transition:border-color .2s}
    .article a.inline:hover{border-color:var(--black)}
    .article ul,.article ol{
      margin:10px 0 18px 22px;
      font-family:var(--fb);font-size:.92rem;color:var(--g3);line-height:1.75;
    }
    .article li{margin-bottom:7px;padding-left:4px}
    .article li::marker{color:var(--g2)}
    .article li strong{color:var(--black)}

    /* callout */
    .callout{
      background:var(--offwhite);border:1px solid var(--g5);
      border-left:3px solid var(--green);border-radius:0 8px 8px 0;
      padding:clamp(18px,2.6vw,24px);margin:24px 0;
    }
    .callout-t{font-family:var(--fh);font-size:.82rem;font-weight:700;color:var(--black);margin-bottom:7px}
    .callout p{font-family:var(--fb);font-size:.86rem;color:var(--g3);line-height:1.68;margin:0}

    /* provider links */
    .providers{
      display:grid;grid-template-columns:repeat(2,1fr);gap:12px;
      margin:22px 0 8px;
    }
    .prov{
      display:flex;align-items:center;justify-content:space-between;gap:14px;
      background:var(--offwhite);border:1px solid var(--g5);border-radius:10px;
      padding:16px 18px;text-decoration:none;color:inherit;transition:border-color .25s;
    }
    a.prov:hover{border-color:var(--g2)}
    .prov-k{font-family:var(--fh);font-size:.6rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--g2);margin-bottom:5px;display:block}
    .prov-t{font-family:var(--fb);font-size:.88rem;font-weight:500;color:var(--black);line-height:1.3;display:block}
    .prov-arrow{flex-shrink:0;width:17px;height:17px;stroke:var(--g2);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;transition:transform .25s,stroke .25s}
    a.prov:hover .prov-arrow{stroke:var(--black);transform:translateX(2px)}
    @media(max-width:600px){.providers{grid-template-columns:1fr}}

    /* contact line */
    .contact-line{
      font-family:var(--fb);font-size:.92rem;color:var(--g3);line-height:1.7;
      margin-top:8px;
    }
    .contact-line a{color:var(--black);border-bottom:1px solid var(--g5)}
    .contact-line a:hover{border-color:var(--black)}

    /* ════ FOOTER ════ */
    .footer{background:var(--white);color:var(--black);padding:0 clamp(20px,3vw,40px) clamp(32px,4vh,48px)}
    .footer-grid{display:grid;grid-template-columns:1fr 1fr 1fr 1fr;gap:24px;padding-top:24px;border-top:1px solid var(--g5)}
    .footer-col-head{font-family:var(--fh);font-size:.82rem;font-weight:600;margin-bottom:20px}
    .footer-col a,.footer-col span{display:block;font-family:var(--fb);font-size:.78rem;color:var(--g3);margin-bottom:6px;transition:color .2s}
    .footer-col a:hover{color:var(--black)}
    .footer-clock{font-family:var(--fn);font-size:.78rem;color:var(--g3)}
    @media(max-width:600px){.footer-grid{grid-template-columns:1fr 1fr;gap:32px}}

    /* ════ MOBILE NAV ════ */
    .hb{display:none;position:fixed;top:14px;right:20px;z-index:102;cursor:pointer;width:28px;height:28px;flex-direction:column;justify-content:center;gap:5px;align-items:flex-end}
    .hb span{display:block;height:2px;background:var(--black);border-radius:1px;transition:all .3s cubic-bezier(.16,1,.3,1)}
    .hb span:nth-child(1){width:22px}.hb span:nth-child(2){width:16px}.hb span:nth-child(3){width:22px}
    .hb.open span:nth-child(1){transform:rotate(45deg) translate(2.5px,4.5px)}
    .hb.open span:nth-child(2){opacity:0}
    .hb.open span:nth-child(3){transform:rotate(-45deg) translate(2.5px,-4.5px)}
    .mob{position:fixed;inset:0;z-index:99;background:var(--white);display:flex;flex-direction:column;justify-content:center;align-items:center;gap:24px;opacity:0;pointer-events:none;transition:opacity .4s}
    .mob.open{opacity:1;pointer-events:all}
    .mob a{font-family:var(--fh);font-size:clamp(2rem,7vw,3.5rem);font-weight:800;letter-spacing:-.03em;color:var(--g2);transition:color .2s}
    .mob a:hover{color:var(--black)}
    @media(max-width:768px){.hb{display:flex}.nav-links{display:none}}