:root{--bg:#f7f3ec;--card:#fffdf9;--text:#1f2937;--muted:#667085;--line:#e7dcc8;--primary:#7c1d1d;--primary-2:#a53b2a;--accent:#b88d3d;--shadow:0 22px 60px rgba(66,40,16,.08)}
*{box-sizing:border-box}html,body{margin:0;padding:0}
body{font-family:Arial,sans-serif;background:radial-gradient(circle at top left,rgba(184,141,61,.10),transparent 30%),linear-gradient(180deg,#f7f1e6 0%,#fff 58%);color:var(--text)}
body.legal-terms{background:radial-gradient(circle at top right,rgba(184,141,61,.10),transparent 30%),linear-gradient(180deg,#f7f1e6 0%,#fff 58%)}
a{color:var(--primary);text-decoration:none}a:hover{text-decoration:underline}
.wrap{max-width:1120px;margin:0 auto;padding:28px 20px 72px}
.top{display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap;margin-bottom:26px}
.brand{font:700 28px/1 Georgia,serif;color:#111827}
.nav{display:flex;gap:16px;flex-wrap:wrap;font:600 14px/1.2 Arial,sans-serif}
.hero,.panel{background:rgba(255,253,249,.96);border:1px solid var(--line);border-radius:24px;box-shadow:var(--shadow)}
.hero{padding:34px 32px;margin-bottom:18px}
.eyebrow{font:700 11px/1.2 Arial,sans-serif;letter-spacing:.18em;text-transform:uppercase;color:var(--accent);margin-bottom:14px}
h1,h2,h3,p{margin:0}
h1{font:700 clamp(30px,4vw,48px)/1.05 Georgia,serif;max-width:14ch}
.hero p{font-size:16px;line-height:1.7;color:#374151;max-width:78ch;margin-top:14px}
.grid{display:grid;grid-template-columns:repeat(12,1fr);gap:18px;margin-top:18px}
.panel{padding:24px}
.span-4{grid-column:span 4}.span-6{grid-column:span 6}.span-12{grid-column:span 12}
h2{font:700 22px/1.15 Georgia,serif;margin-bottom:10px}
h3{font:700 18px/1.2 Georgia,serif;margin-bottom:8px}
.copy,.panel p,.panel li{font-size:15px;line-height:1.75;color:#374151}
.meta{font-size:13px;line-height:1.55;color:var(--muted)}
.toc{display:flex;flex-wrap:wrap;gap:10px;margin-top:16px}
.toc a{padding:8px 12px;border-radius:999px;border:1px solid #eadfca;background:#faf7f1;font-size:13px;font-weight:700;color:#6b4c11}
.info{padding:16px 18px;border-radius:18px;background:#f9f5ec;border:1px solid #eadfca;margin-top:12px}
ul{margin:10px 0 0 18px;padding:0}
li{margin:8px 0}
.footer{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;align-items:center;margin-top:28px;padding-top:20px;border-top:1px solid rgba(231,220,200,.8);font-size:14px;color:var(--muted)}
.footer-links{display:flex;gap:16px;flex-wrap:wrap}
@media (max-width:900px){.span-4,.span-6,.span-12{grid-column:1/-1}.hero{padding:28px 22px}.top{flex-direction:column;align-items:flex-start}h1{max-width:unset}}