/* =========================================
   SETTLE GROUP — LEGAL PAGES
   Shared stylesheet for privacy.html and terms.html.
   Tokens and base rules mirror the inline <style> in index.html.
   ========================================= */

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

:root {
  --navy-900: #0a1929;
  --navy-800: #102a43;
  --navy-700: #1a3a5c;
  --navy-600: #243b53;
  --gold-500: #c9a961;
  --gold-400: #d4b97a;
  --gold-600: #b08f47;
  --white: #ffffff;
  --off-white: #fafaf7;
  --gray-50: #f7f8fa;
  --gray-100: #eef0f3;
  --gray-200: #d9dde2;
  --gray-400: #8a94a6;
  --gray-600: #4a5568;
  --gray-800: #2d3748;
  --shadow-sm: 0 1px 2px rgba(10, 25, 41, 0.06);
  --shadow-md: 0 4px 16px rgba(10, 25, 41, 0.08);
  --shadow-lg: 0 12px 40px rgba(10, 25, 41, 0.12);
  --transition: 220ms cubic-bezier(0.4, 0, 0.2, 1);
  --container: 1200px;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  font-size: 16px;
  line-height: 1.65;
  color: var(--gray-800);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

h1, h2, h3, h4 {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 600;
  line-height: 1.2;
  color: var(--navy-900);
  letter-spacing: -0.01em;
}

h1 { font-size: clamp(2.25rem, 5vw, 3.5rem); font-weight: 700; }
h2 { font-size: clamp(1.5rem, 2.6vw, 1.875rem); }
h3 { font-size: 1.125rem; font-weight: 600; }

p { color: var(--gray-600); }

a {
  color: var(--gold-500);
  text-decoration: none;
  transition: color var(--transition);
}

a:hover { color: var(--gold-600); }

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 1.5rem;
}

.section-label {
  display: inline-block;
  font-family: 'Inter', sans-serif;
  font-size: 0.8125rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: var(--gold-500);
  margin-bottom: 1rem;
}

/* =========================================
   NAVIGATION
   ========================================= */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  background: rgba(10, 25, 41, 0.85);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  transition: background var(--transition);
}

.nav.scrolled {
  background: rgba(10, 25, 41, 0.98);
  box-shadow: 0 1px 20px rgba(0, 0, 0, 0.15);
}

.nav-container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 1.1rem 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.logo {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: 0.01em;
}

.logo-mark {
  width: 32px;
  height: 32px;
  background: linear-gradient(135deg, var(--gold-500) 0%, var(--gold-600) 100%);
  border-radius: 4px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  color: var(--navy-900);
  font-size: 1.05rem;
}

.nav-back {
  font-size: 0.875rem;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.75);
  letter-spacing: 0.01em;
}

.nav-back:hover { color: var(--gold-400); }

/* =========================================
   LEGAL HERO
   ========================================= */
.legal-hero {
  background: var(--navy-900);
  background-image:
    radial-gradient(ellipse 70% 100% at 85% 0%, rgba(201, 169, 97, 0.12) 0%, transparent 60%),
    linear-gradient(160deg, var(--navy-900) 0%, var(--navy-800) 100%);
  padding: 9rem 0 4rem;
  border-bottom: 1px solid rgba(201, 169, 97, 0.2);
}

@media (min-width: 768px) {
  .legal-hero { padding: 11rem 0 5rem; }
}

.legal-hero h1 { color: var(--white); }

.legal-dates {
  margin-top: 1.25rem;
  font-size: 0.9375rem;
  color: rgba(255, 255, 255, 0.55);
}

/* =========================================
   LEGAL BODY
   ========================================= */
.legal-body {
  max-width: 780px;
  padding-top: 3.5rem;
  padding-bottom: 5rem;
}

@media (min-width: 768px) {
  .legal-body { padding-top: 4rem; padding-bottom: 6.5rem; }
}

.legal-intro {
  font-size: 1.0625rem;
  line-height: 1.75;
  color: var(--gray-600);
}

.legal-body p {
  font-size: 1.0625rem;
  line-height: 1.75;
  margin-bottom: 1.25rem;
}

.legal-body ul {
  margin: 0 0 1.5rem 1.25rem;
  padding: 0;
}

.legal-body li {
  font-size: 1.0625rem;
  line-height: 1.75;
  color: var(--gray-600);
  margin-bottom: 0.75rem;
  padding-left: 0.35rem;
}

.legal-body li::marker { color: var(--gold-500); }

.legal-body strong { color: var(--gray-800); font-weight: 600; }

/* =========================================
   TABLE OF CONTENTS
   ========================================= */
.legal-toc {
  background: var(--off-white);
  border: 1px solid var(--gray-100);
  border-radius: 4px;
  padding: 1.75rem;
  margin-bottom: 3.5rem;
}

.legal-toc h2 {
  font-family: 'Inter', sans-serif;
  font-size: 0.8125rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: var(--gold-500);
  margin-bottom: 1.15rem;
}

.legal-toc ol {
  list-style: none;
  margin: 0;
  padding: 0;
  counter-reset: toc;
  display: grid;
  grid-template-columns: 1fr;
  gap: 0.6rem 2rem;
}

@media (min-width: 640px) {
  .legal-toc ol { grid-template-columns: 1fr 1fr; }
}

.legal-toc li {
  counter-increment: toc;
  font-size: 0.9375rem;
  line-height: 1.5;
  margin: 0;
  padding: 0;
}

.legal-toc li::before {
  content: counter(toc) ".";
  color: var(--gray-400);
  font-variant-numeric: tabular-nums;
  margin-right: 0.5rem;
}

.legal-toc a { color: var(--gray-800); }
.legal-toc a:hover { color: var(--gold-600); }

/* =========================================
   SECTIONS
   ========================================= */
.legal-section {
  scroll-margin-top: 90px;
  margin-bottom: 3rem;
}

.legal-section > h2 {
  margin-bottom: 1.25rem;
  padding-top: 2rem;
  border-top: 1px solid var(--gray-100);
}

.legal-section > h3 {
  margin: 2rem 0 0.85rem;
  color: var(--navy-800);
}

.legal-tag {
  display: inline-block;
  vertical-align: middle;
  margin-left: 0.6rem;
  padding: 0.2rem 0.6rem;
  border-radius: 100px;
  background: var(--navy-900);
  color: var(--gold-400);
  font-family: 'Inter', sans-serif;
  font-size: 0.6875rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  line-height: 1.5;
}

.legal-note {
  background: var(--off-white);
  border-left: 3px solid var(--gold-500);
  border-radius: 0 4px 4px 0;
  padding: 1.35rem 1.5rem;
  margin: 1.75rem 0;
}

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

.legal-note-title {
  font-family: 'Inter', sans-serif;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--navy-900);
  margin-bottom: 0.5rem;
}

.legal-caps {
  font-size: 0.9375rem !important;
  line-height: 1.7 !important;
  color: var(--gray-600);
}

.legal-contact {
  background: var(--off-white);
  border: 1px solid var(--gray-100);
  border-radius: 4px;
  padding: 1.75rem;
  margin-top: 1.5rem;
}

.legal-contact p { margin-bottom: 0.5rem; }
.legal-contact p:last-child { margin-bottom: 0; }

.legal-contact-name {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--navy-900);
  margin-bottom: 0.75rem !important;
}

/* =========================================
   FOOTER
   ========================================= */
.footer {
  background: var(--navy-900);
  color: rgba(255, 255, 255, 0.6);
  padding: 3.5rem 0 2rem;
  border-top: 1px solid rgba(201, 169, 97, 0.2);
}

.footer-content {
  display: flex;
  flex-direction: column;
  gap: 2rem;
  align-items: center;
  text-align: center;
}

@media (min-width: 768px) {
  .footer-content {
    flex-direction: row;
    justify-content: space-between;
    text-align: left;
  }
}

.footer .logo { font-size: 1.25rem; }

.footer-disclaimer {
  font-size: 0.8125rem;
  line-height: 1.6;
  max-width: 560px;
  color: rgba(255, 255, 255, 0.5);
}

.footer-bottom {
  margin-top: 2.5rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  text-align: center;
  font-size: 0.8125rem;
  color: rgba(255, 255, 255, 0.4);
}

.footer-bottom a {
  color: var(--gold-400);
}

.footer-legal-links {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: center;
  gap: 0.5rem 1.25rem;
  margin-bottom: 1rem;
}

.footer-legal-links .sep {
  color: rgba(255, 255, 255, 0.25);
}

/* =========================================
   ACCESSIBILITY
   ========================================= */
*:focus-visible {
  outline: 2px solid var(--gold-500);
  outline-offset: 3px;
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}