.legal-hero{background:var(--navy);padding:80px 60px 64px;position:relative;overflow:hidden}.legal-hero:after{content:"";position:absolute;bottom:0;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,rgba(201,168,76,.4),transparent)}.legal-hero-eyebrow{font-family:Montserrat,sans-serif;font-size:10px;font-weight:700;letter-spacing:.3em;text-transform:uppercase;color:var(--gold);margin-bottom:16px;display:flex;align-items:center;gap:14px}.legal-hero-eyebrow:before{content:"";display:block;width:28px;height:1px;background:var(--gold)}.legal-hero h1{font-family:Playfair Display,serif;font-size:clamp(32px,4.5vw,56px);font-weight:400;color:var(--white);line-height:1.15;margin-bottom:16px}.legal-hero h1 em{font-style:italic;color:var(--gold)}.legal-hero-meta{font-family:Montserrat,sans-serif;font-size:11px;font-weight:500;letter-spacing:.06em;color:rgba(255,255,255,.45);margin-top:8px}.legal-layout{display:grid;grid-template-columns:240px 1fr;grid-gap:0;gap:0;max-width:1200px;margin:0 auto;padding:60px 60px 100px;align-items:start}.legal-toc{position:sticky;top:100px;padding-right:40px;border-right:1px solid rgba(14,27,43,.08)}.legal-toc-label{font-family:Montserrat,sans-serif;font-size:9px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);margin-bottom:16px}.legal-toc-list{list-style:none;display:flex;flex-direction:column;gap:2px}.legal-toc-list a{display:block;font-family:Jost,sans-serif;font-size:12px;font-weight:300;color:var(--mid);text-decoration:none;padding:5px 0 5px 12px;border-left:2px solid transparent;transition:color .2s,border-color .2s;line-height:1.4}.legal-toc-list a:hover{color:var(--navy);border-left-color:var(--gold)}.legal-content{padding-left:60px}.legal-section{margin-bottom:52px;padding-bottom:52px;border-bottom:1px solid rgba(14,27,43,.07)}.legal-section:last-child{border-bottom:none;margin-bottom:0;padding-bottom:0}.legal-section-num{font-size:11px;color:var(--gold);letter-spacing:.1em;margin-bottom:6px}.legal-section h2,.legal-section-num{font-family:Playfair Display,serif;font-weight:400}.legal-section h2{font-size:22px;color:var(--navy);margin-bottom:16px;line-height:1.3}.legal-section p{font-family:Jost,sans-serif;font-size:14px;font-weight:300;color:var(--charcoal);line-height:1.8;margin-bottom:14px}.legal-section p:last-child{margin-bottom:0}.legal-section ul{list-style:none;display:flex;flex-direction:column;gap:8px;margin:14px 0}.legal-section ul li{font-family:Jost,sans-serif;font-size:14px;font-weight:300;color:var(--charcoal);line-height:1.7;padding-left:20px;position:relative}.legal-section ul li:before{content:"";position:absolute;left:0;top:10px;width:5px;height:1px;background:var(--gold)}.legal-table{width:100%;border-collapse:collapse;margin:20px 0;font-family:Jost,sans-serif;font-size:13px}.legal-table th{background:var(--navy);color:var(--gold);font-family:Montserrat,sans-serif;font-size:9px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;padding:12px 16px;text-align:left}.legal-table td{padding:11px 16px;border-bottom:1px solid rgba(14,27,43,.07);color:var(--charcoal);font-weight:300}.legal-table tr:last-child td{border-bottom:none}.legal-table tr:nth-child(2n) td{background:var(--ivory)}.legal-contact-box{background:var(--ivory-d);border:1px solid rgba(201,168,76,.2);border-left:3px solid var(--gold);border-radius:0 10px 10px 0;padding:20px 24px;margin-top:16px}.legal-contact-box p{margin-bottom:6px!important;font-size:13px!important}.legal-contact-box a{color:var(--gold);text-decoration:none}.legal-contact-box a:hover{text-decoration:underline}.legal-footer-note{background:var(--navy);padding:28px 60px;font-family:Montserrat,sans-serif;font-size:10px;font-weight:500;letter-spacing:.06em;color:rgba(255,255,255,.4);text-align:center}@media (max-width:1024px){.legal-layout{grid-template-columns:1fr;padding:40px 30px 80px}.legal-toc{display:none}.legal-content{padding-left:0}.legal-hero{padding:60px 30px 48px}.legal-footer-note{padding:24px 30px}}@media (max-width:768px){.legal-hero{padding:48px 20px 40px}.legal-layout{padding:32px 20px 60px}.legal-footer-note{padding:20px}}