*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

  :root {
    --navy:    #1B2A3E;
    --deep:    #131F2E;
    --frost:   #C8D8EC;
    --mist:    #8BA4BF;
    --gold:    #C49A5A;
    --white:   #F0F4F8;
    --green:   #7ABFA0;
    --page-bg: #F4F6F9;
    --card-bg: #FFFFFF;
    --border:  #DDE3EC;
    --label:   #4A5C72;
  }

  html { scroll-behavior: smooth; }

  body {
    background: var(--page-bg);
    color: var(--navy);
    font-family: 'DM Sans', sans-serif;
    font-weight: 300;
    min-height: 100vh;
  }

  nav {
    padding: 18px 24px;
    display: flex; align-items: center;
    justify-content: space-between;
    background: var(--deep);
    border-bottom: 1px solid rgba(200,216,236,0.08);
    position: sticky; top: 0; z-index: 100;
  }

  .logo {
    font-family: 'Cormorant Garamond', serif;
    font-size: 22px; font-weight: 700;
    color: var(--frost); text-decoration: none;
  }
  .logo em { font-style: italic; color: var(--gold); font-weight: 600; }

  .nav-back {
    font-size: 12px; color: var(--mist);
    text-decoration: none; transition: color 0.2s;
  }
  .nav-back:hover { color: var(--frost); }

  /* TABS */
  .tab-bar {
    background: var(--card-bg);
    border-bottom: 1px solid var(--border);
    padding: 0 24px;
    display: flex;
  }

  .tab-item {
    padding: 14px 16px;
    font-size: 13px; font-weight: 400;
    color: var(--mist);
    border-bottom: 2px solid transparent;
    cursor: pointer; white-space: nowrap;
    transition: all 0.2s;
    background: none;
    border-top: none; border-left: none; border-right: none;
    font-family: 'DM Sans', sans-serif;
  }

  .tab-item:hover { color: var(--navy); }
  .tab-item.active { color: var(--navy); border-bottom-color: var(--navy); font-weight: 500; }

  .page-content { display: none; }
  .page-content.active { display: block; animation: fadeUp 0.4s ease both; }

  .page {
    max-width: 620px;
    margin: 0 auto;
    padding: 40px 24px 80px;
  }

  /* COMING SOON BANNER */
  .coming-soon-banner {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    padding: 18px 20px;
    background: rgba(196,154,90,0.06);
    border: 1px solid rgba(196,154,90,0.18);
    border-radius: 12px;
    margin-bottom: 32px;
  }

  .cs-icon {
    font-size: 18px;
    flex-shrink: 0;
    margin-top: 1px;
  }

  .cs-text {
    font-size: 13px;
    line-height: 1.7;
    color: var(--label);
    font-weight: 300;
  }

  .cs-text strong { color: var(--navy); font-weight: 500; }

  /* PAGE HEADER */
  .page-eyebrow {
    font-size: 10px; font-weight: 500;
    letter-spacing: 2.5px; text-transform: uppercase;
    color: var(--gold); margin-bottom: 10px;
    display: flex; align-items: center; gap: 8px;
  }

  .page-eyebrow::after {
    content: ''; flex: 1; height: 1px;
    background: linear-gradient(90deg, rgba(196,154,90,0.3), transparent);
  }

  h1 {
    font-family: 'Cormorant Garamond', serif;
    font-size: clamp(30px, 7vw, 42px);
    font-weight: 600; letter-spacing: -1px;
    color: var(--navy); line-height: 1.08;
    margin-bottom: 8px;
  }

  h1 em { font-style: italic; font-weight: 400; }

  .last-updated {
    font-size: 11px; color: var(--mist);
    font-weight: 300; margin-bottom: 32px;
  }

  /* SECTIONS */
  .legal-section {
    margin-bottom: 32px;
    padding-bottom: 32px;
    border-bottom: 1px solid var(--border);
  }

  .legal-section:last-child {
    border-bottom: none; margin-bottom: 0;
  }

  .legal-section h2 {
    font-family: 'Cormorant Garamond', serif;
    font-size: 20px; font-weight: 600;
    color: var(--navy); letter-spacing: -0.3px;
    margin-bottom: 12px;
  }

  .legal-section h2 em { font-style: italic; font-weight: 400; }

  .legal-section p {
    font-size: 13px; line-height: 1.8;
    color: var(--label); font-weight: 300;
    margin-bottom: 10px;
  }

  .legal-section p:last-child { margin-bottom: 0; }

  .legal-section p strong { color: var(--navy); font-weight: 500; }

  .legal-section ul {
    list-style: none;
    display: flex; flex-direction: column; gap: 6px;
    margin-top: 8px;
  }

  .legal-section ul li {
    display: flex; align-items: flex-start; gap: 10px;
    font-size: 13px; line-height: 1.7;
    color: var(--label); font-weight: 300;
  }

  .legal-section ul li::before {
    content: '—';
    color: var(--mist); flex-shrink: 0;
    margin-top: 1px;
  }

  .highlight-box {
    padding: 14px 16px;
    background: rgba(27,42,62,0.04);
    border: 1px solid rgba(27,42,62,0.08);
    border-radius: 8px;
    font-size: 13px; line-height: 1.7;
    color: var(--label); font-weight: 300;
    margin-top: 10px;
  }

  .highlight-box strong { color: var(--navy); font-weight: 500; }

  /* CONTACT */
  .contact-card {
    background: var(--card-bg);
    border: 1px solid var(--border);
    border-radius: 12px;
    padding: 20px 22px;
    margin-top: 32px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    box-shadow: 0 1px 4px rgba(27,42,62,0.05);
  }

  .contact-label {
    font-size: 13px; color: var(--label);
    font-weight: 300; line-height: 1.6;
  }

  .contact-label strong { color: var(--navy); font-weight: 500; display: block; margin-bottom: 2px; }

  .contact-email {
    font-size: 13px; font-weight: 500;
    color: var(--navy); text-decoration: none;
    padding: 8px 16px;
    border: 1px solid var(--border);
    border-radius: 7px; transition: all 0.2s;
    white-space: nowrap;
  }
  .contact-email:hover { border-color: var(--navy); }

  footer {
    border-top: 1px solid rgba(27,42,62,0.08);
    padding: 20px 24px;
    display: flex; align-items: center;
    justify-content: space-between;
    background: var(--card-bg);
  }

  .footer-logo {
    font-family: 'Cormorant Garamond', serif;
    font-size: 17px; font-weight: 700;
    color: rgba(27,42,62,0.25); text-decoration: none;
  }
  .footer-logo em { font-style: italic; color: rgba(196,154,90,0.4); }
  .footer-copy { font-size: 11px; color: rgba(139,164,191,0.4); }

  @keyframes fadeUp {
    from { opacity: 0; transform: translateY(10px); }
    to   { opacity: 1; transform: translateY(0); }
  }