* { box-sizing: border-box; margin: 0; padding: 0; }
  html { scroll-behavior: smooth; }
  body {
    font-family: var(--font-primary);
    color: var(--fg-1);
    background: var(--bg-1);
    -webkit-font-smoothing: antialiased;
    text-rendering: optimizeLegibility;
  }
  img { display: block; max-width: 100%; }
  a { color: inherit; text-decoration: none; }
  button { font: inherit; cursor: pointer; border: none; background: none; }

  .container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 32px;
  }

  /* ============================================================
     NAVIGATION
     ============================================================ */
  .nav {
    position: sticky;
    top: 0;
    z-index: 50;
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    background: rgba(255, 255, 255, 0.78);
    border-bottom: 1px solid var(--border-1);
  }
  .nav-inner {
    height: 72px;
    display: flex;
    align-items: center;
    gap: 40px;
  }
  .nav-logo { flex-shrink: 0; }
  .nav-logo img { height: 28px; width: auto; }
  :focus-visible { outline: 2px solid var(--border-focus); outline-offset: 3px; border-radius: 6px; }
  .nav-links {
    display: flex;
    gap: 32px;
    flex: 1;
  }
  .nav-links a {
    font-size: 14px;
    font-weight: 500;
    color: var(--fg-2);
    transition: color var(--dur-base) var(--ease-out);
  }
  .nav-links a:hover { color: var(--fg-1); }
  .nav-cta {
    display: flex;
    gap: 12px;
    align-items: center;
  }

  /* ============================================================
     BUTTONS
     ============================================================ */
  .btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 12px 20px;
    font-family: var(--font-primary);
    font-weight: 600;
    font-size: 14px;
    border-radius: var(--radius-md);
    transition: all var(--dur-base) var(--ease-out);
    white-space: nowrap;
  }
  .btn-primary {
    background: var(--hz-navy-800);
    color: var(--hz-white);
    box-shadow: var(--shadow-sm);
  }
  .btn-primary:hover {
    background: var(--hz-navy-900);
    box-shadow: var(--shadow-md);
    transform: translateY(-1px);
  }
  .btn-ghost {
    color: var(--fg-1);
  }
  .btn-ghost:hover { background: var(--bg-4); }
  .btn-light {
    background: var(--hz-white);
    color: var(--hz-navy-800);
  }
  .btn-light:hover { background: var(--hz-slate-100); transform: translateY(-1px); }
  .btn-outline-light {
    color: var(--hz-white);
    border: 1px solid rgba(255,255,255,0.3);
  }
  .btn-outline-light:hover { background: rgba(255,255,255,0.08); border-color: rgba(255,255,255,0.5); }
  .btn-lg {
    padding: 16px 28px;
    font-size: 16px;
    border-radius: var(--radius-lg);
  }
  /* ============================================================
     FOOTER
     ============================================================ */
  footer {
    background: var(--hz-navy-900);
    color: rgba(255,255,255,0.7);
    padding: 64px 0 32px;
  }
  .foot-top {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: 40px;
    padding-bottom: 48px;
    border-bottom: 1px solid rgba(255,255,255,0.08);
  }
  .foot-top img { height: 28px; margin-bottom: 16px; }
  .foot-top .blurb {
    font-size: 14px;
    color: rgba(255,255,255,0.6);
    max-width: 320px;
    line-height: 1.5;
  }
  .foot-col h4 {
    font-family: var(--font-secondary);
    font-weight: 700;
    font-size: 11px;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    color: rgba(255,255,255,0.95);
    margin-bottom: 16px;
  }
  .foot-col a {
    display: block;
    font-size: 14px;
    color: rgba(255,255,255,0.6);
    padding: 6px 0;
    transition: color var(--dur-base) var(--ease-out);
  }
  .foot-col a:hover { color: white; }
  .foot-bottom {
    padding-top: 28px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 13px;
    color: rgba(255,255,255,0.5);
  }
  .foot-bottom .legal { display: flex; gap: 24px; }

  /* ---- Legal pages ---- */
  .legal-hero { background: var(--bg-2, #f5f7fa); border-bottom: 1px solid var(--border-1); padding: 56px 0 40px; }
  .legal-hero h1 { font-size: clamp(28px, 5vw, 44px); line-height: 1.15; color: var(--hz-navy-800); letter-spacing: -0.02em; }
  .legal-hero p { margin-top: 12px; color: var(--fg-2); font-size: 15px; }
  .legal-body { max-width: 760px; margin: 0 auto; padding: 48px 24px 88px; color: var(--fg-1); font-size: 16px; line-height: 1.7; overflow-wrap: anywhere; }
  .legal-body h2 { margin: 40px 0 12px; font-size: 22px; line-height: 1.3; color: var(--hz-navy-800); }
  .legal-body h3 { margin: 24px 0 8px; font-size: 17px; color: var(--hz-navy-800); }
  .legal-body p { margin: 0 0 14px; }
  .legal-body ul, .legal-body ol { margin: 0 0 14px 22px; }
  .legal-body li { margin-bottom: 6px; }
  .legal-body a { color: var(--hz-navy-800); text-decoration: underline; text-underline-offset: 2px; }
  .legal-body a:hover { opacity: .75; }
  .legal-body table { width: 100%; border-collapse: collapse; margin: 0 0 16px; font-size: 15px; }
  .legal-body th, .legal-body td { text-align: left; vertical-align: top; padding: 10px 12px; border: 1px solid var(--border-1); }
  .legal-body th { background: var(--bg-2, #f5f7fa); }
  .legal-toc { background: var(--bg-2, #f5f7fa); border: 1px solid var(--border-1); border-radius: 12px; padding: 16px 20px; margin-bottom: 8px; }
  .legal-toc ol { margin-bottom: 0; }

  @media (max-width: 980px) {
    .container { padding: 0 24px; }
    .nav-links { display: none; }
    .foot-top { grid-template-columns: 1fr 1fr; }
  }
  @media (max-width: 600px) {
    .nav-inner { gap: 12px; }
    .nav-cta .btn-primary { display: none; }
    .foot-top { grid-template-columns: 1fr; }
    .foot-bottom { flex-direction: column; gap: 12px; }
    .legal-body { padding: 32px 20px 64px; }
    .legal-body table, .legal-body thead, .legal-body tbody, .legal-body tr, .legal-body th, .legal-body td { display: block; width: 100%; }
    .legal-body thead { display: none; }
    .legal-body tr { margin-bottom: 12px; border: 1px solid var(--border-1); }
    .legal-body td { border: 0; border-bottom: 1px solid var(--border-1); }
  }