/* ════════════════════════════════════════════════════════
   SchedulePeak — Shared Stylesheet
   ════════════════════════════════════════════════════════ */

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

:root {
  --navy: #0D2B55;
  --navy-deep: #08193a;
  --navy-light: #1a3d6e;
  --gold: #BF8F00;
  --gold-light: #d4a500;
  --gold-soft: #f5e9c8;
  --cream: #FBF8F1;
  --paper: #F4EFE3;
  --text: #1a1a1a;
  --muted: #5a6475;
  --muted-soft: #8a93a3;
  --border: #e8e2d4;
  --white: #ffffff;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

/* ─── NAV ─── */
nav {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
  padding: 0 2rem;
  height: 68px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.logo {
  display: flex; align-items: center; gap: 11px;
  text-decoration: none; cursor: pointer;
  color: inherit;
}

.logo-mark {
  width: 38px; height: 38px;
  background: var(--navy);
  border-radius: 9px;
  display: flex; align-items: center; justify-content: center;
  position: relative;
  overflow: hidden;
}

.logo-mark::after {
  content: '';
  position: absolute; bottom: 0; right: 0;
  width: 12px; height: 12px;
  background: var(--gold);
  border-radius: 0 0 9px 0;
  opacity: 0.85;
}

.logo-mark svg { width: 22px; height: 22px; position: relative; z-index: 2; }

.logo-text {
  font-family: 'Fraunces', serif;
  font-size: 23px;
  font-weight: 600;
  color: var(--navy);
  letter-spacing: -0.5px;
}

.logo-text em { font-style: normal; color: var(--gold); }

.nav-links {
  display: flex; align-items: center; gap: 2.25rem;
  list-style: none;
}

.nav-links a {
  text-decoration: none;
  font-size: 14px;
  font-weight: 500;
  color: var(--muted);
  transition: color 0.2s;
  cursor: pointer;
}

.nav-links a:hover { color: var(--navy); }

.nav-cta {
  background: var(--navy) !important;
  color: var(--white) !important;
  padding: 9px 22px !important;
  border-radius: 7px;
  font-weight: 600 !important;
  font-size: 14px !important;
  transition: background 0.2s !important;
}

.nav-cta:hover { background: var(--navy-light) !important; }

/* ─── HERO ─── */
.hero {
  background: var(--navy);
  padding: 110px 2rem 100px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(135deg, transparent 49%, rgba(191,143,0,0.05) 50%, transparent 51%),
    linear-gradient(45deg, transparent 49%, rgba(255,255,255,0.025) 50%, transparent 51%);
  background-size: 80px 80px;
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -1px; left: 0; right: 0;
  height: 80px;
  background: linear-gradient(180deg, transparent, rgba(8,25,58,0.4));
  pointer-events: none;
}

.hero > * { position: relative; z-index: 2; }

.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(191, 143, 0, 0.15);
  color: var(--gold-light);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 1.4px;
  text-transform: uppercase;
  padding: 7px 18px;
  border-radius: 24px;
  margin-bottom: 28px;
  border: 1px solid rgba(191, 143, 0, 0.28);
}

.hero-eyebrow::before {
  content: '';
  width: 6px; height: 6px;
  background: var(--gold-light);
  border-radius: 50%;
}

.hero h1 {
  font-family: 'Fraunces', serif;
  font-size: clamp(40px, 5.5vw, 64px);
  font-weight: 500;
  color: var(--white);
  line-height: 1.05;
  max-width: 780px;
  margin: 0 auto 26px;
  letter-spacing: -1px;
}

.hero h1 em { font-style: italic; color: var(--gold-light); font-weight: 400; }

.hero p.lede {
  font-size: 19px;
  color: rgba(255,255,255,0.7);
  max-width: 560px;
  margin: 0 auto 44px;
  font-weight: 300;
  line-height: 1.6;
}

.hero-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

.btn-primary {
  background: var(--gold);
  color: var(--navy-deep);
  padding: 15px 34px;
  border-radius: 8px;
  font-weight: 600;
  font-size: 15px;
  text-decoration: none;
  cursor: pointer;
  border: none;
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.btn-primary:hover {
  background: var(--gold-light);
  transform: translateY(-1px);
  box-shadow: 0 8px 24px rgba(191,143,0,0.3);
}

.btn-outline {
  background: transparent;
  color: rgba(255,255,255,0.88);
  padding: 15px 34px;
  border-radius: 8px;
  font-weight: 500;
  font-size: 15px;
  cursor: pointer;
  border: 1px solid rgba(255,255,255,0.22);
  text-decoration: none;
  transition: border-color 0.2s, color 0.2s, background 0.2s;
  display: inline-block;
}

.btn-outline:hover {
  border-color: rgba(255,255,255,0.6);
  color: var(--white);
  background: rgba(255,255,255,0.04);
}

.hero-metrics {
  display: flex;
  justify-content: center;
  gap: 3.5rem;
  margin-top: 64px;
  padding-top: 36px;
  border-top: 1px solid rgba(255,255,255,0.1);
  flex-wrap: wrap;
  max-width: 760px;
  margin-left: auto;
  margin-right: auto;
}

.hero-metric { text-align: center; }

.hero-metric-num {
  font-family: 'Fraunces', serif;
  font-size: 30px;
  font-weight: 500;
  color: var(--gold-light);
  line-height: 1;
  margin-bottom: 6px;
}

.hero-metric-label {
  font-size: 12px;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
  letter-spacing: 1.2px;
  font-weight: 500;
}

/* ─── TRUST BAR ─── */
.trust-bar {
  background: var(--paper);
  border-bottom: 1px solid var(--border);
  padding: 22px 2rem;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 3rem;
  flex-wrap: wrap;
}

.trust-item {
  display: flex; align-items: center; gap: 9px;
  font-size: 13px;
  font-weight: 500;
  color: var(--muted);
}

.trust-item svg { width: 16px; height: 16px; color: var(--gold); flex-shrink: 0; }

/* ─── SECTIONS ─── */
section { padding: 96px 2rem; }
.container { max-width: 1080px; margin: 0 auto; }

.section-label {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 1.6px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 14px;
}

.section-label::before {
  content: '';
  width: 24px; height: 1.5px;
  background: var(--gold);
}

.section-title {
  font-family: 'Fraunces', serif;
  font-weight: 500;
  font-size: clamp(30px, 4vw, 44px);
  color: var(--navy);
  line-height: 1.1;
  margin-bottom: 18px;
  letter-spacing: -0.5px;
}

.section-title em { font-style: italic; color: var(--gold); font-weight: 400; }

.section-sub {
  font-size: 17px;
  color: var(--muted);
  max-width: 580px;
  font-weight: 300;
  line-height: 1.7;
}

/* ─── PROBLEM CALLOUT ─── */
.problem-section {
  background: var(--cream);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.problem-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 64px;
  align-items: center;
}

@media (max-width: 760px) {
  .problem-grid { grid-template-columns: 1fr; gap: 48px; }
}

.problem-content h2 {
  font-family: 'Fraunces', serif;
  font-weight: 500;
  font-size: clamp(28px, 3.5vw, 38px);
  color: var(--navy);
  line-height: 1.15;
  margin-bottom: 20px;
  letter-spacing: -0.3px;
}

.problem-content p {
  font-size: 17px;
  color: var(--muted);
  margin-bottom: 14px;
  font-weight: 300;
  line-height: 1.7;
}

.calc-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 36px 32px;
  position: relative;
}

.calc-card::before {
  content: '';
  position: absolute; top: -1px; left: 24px; right: 24px;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  border-radius: 0 0 3px 3px;
}

.calc-row {
  display: flex; justify-content: space-between; align-items: baseline;
  padding: 14px 0;
  border-bottom: 1px solid var(--border);
}

.calc-row:last-of-type { border-bottom: none; }

.calc-label { font-size: 14px; color: var(--muted); }
.calc-value { font-family: 'Fraunces', serif; font-size: 22px; font-weight: 500; color: var(--navy); }

.calc-total {
  margin-top: 18px;
  padding: 18px 20px;
  background: var(--navy);
  border-radius: 10px;
  color: var(--white);
  display: flex; justify-content: space-between; align-items: center;
}

.calc-total-label { font-size: 14px; opacity: 0.8; }
.calc-total-value {
  font-family: 'Fraunces', serif;
  font-size: 32px;
  font-weight: 500;
  color: var(--gold-light);
}

/* ─── SERVICES ─── */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
  margin-top: 60px;
}

.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 36px 30px;
  transition: border-color 0.25s, transform 0.25s, box-shadow 0.25s;
  position: relative;
  overflow: hidden;
}

.service-card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0;
  height: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s;
}

.service-card:hover {
  border-color: var(--navy);
  transform: translateY(-4px);
  box-shadow: 0 20px 40px -20px rgba(13,43,85,0.15);
}

.service-card:hover::before { transform: scaleX(1); }

.service-num {
  font-family: 'Fraunces', serif;
  font-size: 14px;
  color: var(--gold);
  font-weight: 500;
  margin-bottom: 16px;
  display: block;
  letter-spacing: 1px;
}

.service-icon {
  width: 52px; height: 52px;
  background: rgba(13, 43, 85, 0.06);
  border-radius: 11px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 22px;
}

.service-icon svg { width: 26px; height: 26px; color: var(--navy); }

.service-card h3 {
  font-family: 'Fraunces', serif;
  font-weight: 500;
  font-size: 22px;
  color: var(--navy);
  margin-bottom: 12px;
  letter-spacing: -0.2px;
}

.service-card p {
  font-size: 14.5px;
  color: var(--muted);
  line-height: 1.7;
}

/* ─── HOW IT WORKS ─── */
.how-section {
  background: var(--navy);
  color: var(--white);
  position: relative;
  overflow: hidden;
}

.how-section::before {
  content: '';
  position: absolute; inset: 0;
  background-image: radial-gradient(circle at 80% 20%, rgba(191,143,0,0.08), transparent 50%);
  pointer-events: none;
}

.how-section .container { position: relative; z-index: 2; }
.how-section .section-label { color: var(--gold-light); }
.how-section .section-title { color: var(--white); }
.how-section .section-sub { color: rgba(255,255,255,0.65); }

.how-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
  margin-top: 60px;
}

@media (max-width: 760px) { .how-grid { grid-template-columns: 1fr 1fr; gap: 24px; } }
@media (max-width: 480px) { .how-grid { grid-template-columns: 1fr; } }

.how-step-num {
  font-family: 'Fraunces', serif;
  font-size: 56px;
  font-weight: 400;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 16px;
  opacity: 0.85;
}

.how-step h4 {
  font-family: 'Fraunces', serif;
  font-weight: 500;
  font-size: 18px;
  color: var(--white);
  margin-bottom: 10px;
}

.how-step p {
  font-size: 14px;
  color: rgba(255,255,255,0.6);
  line-height: 1.65;
  font-weight: 300;
}

/* ─── ABOUT ─── */
.about-section { background: var(--cream); }

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}

@media (max-width: 760px) {
  .about-grid { grid-template-columns: 1fr; gap: 44px; }
  .nav-links li:not(:last-child) { display: none; }
}

.about-content p {
  color: var(--muted);
  font-size: 16px;
  margin-bottom: 18px;
  font-weight: 300;
  line-height: 1.75;
}

.about-content p:last-child { margin-bottom: 0; }

.about-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}

.stat-box {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 28px 22px;
  text-align: center;
  transition: transform 0.2s;
}

.stat-box:hover { transform: translateY(-3px); }

.stat-number {
  font-family: 'Fraunces', serif;
  font-size: 38px;
  font-weight: 500;
  color: var(--navy);
  display: block;
  line-height: 1;
  margin-bottom: 8px;
  letter-spacing: -0.5px;
}

.stat-number em { font-style: italic; color: var(--gold); }

.stat-label {
  font-size: 13px;
  color: var(--muted);
  font-weight: 400;
}

/* ─── CTA BAND ─── */
.cta-band {
  background: var(--paper);
  padding: 80px 2rem;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.cta-band-inner {
  max-width: 720px;
  margin: 0 auto;
  text-align: center;
}

.cta-band h2 {
  font-family: 'Fraunces', serif;
  font-weight: 500;
  font-size: clamp(28px, 3.5vw, 40px);
  color: var(--navy);
  line-height: 1.15;
  margin-bottom: 18px;
  letter-spacing: -0.3px;
}

.cta-band p {
  font-size: 17px;
  color: var(--muted);
  margin-bottom: 32px;
  font-weight: 300;
}

/* ─── CONTACT ─── */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: start;
  margin-top: 56px;
}

@media (max-width: 760px) { .contact-grid { grid-template-columns: 1fr; gap: 44px; } }

.contact-info-item {
  display: flex; gap: 16px;
  margin-bottom: 32px;
  align-items: flex-start;
}

.contact-icon {
  width: 42px; height: 42px; flex-shrink: 0;
  background: rgba(13, 43, 85, 0.06);
  border-radius: 9px;
  display: flex; align-items: center; justify-content: center;
}

.contact-icon svg { width: 18px; height: 18px; color: var(--navy); }

.contact-info-item h4 {
  font-size: 12px; font-weight: 600; color: var(--muted); margin-bottom: 4px;
  text-transform: uppercase; letter-spacing: 0.8px;
}

.contact-info-item p, .contact-info-item a {
  font-size: 15px; color: var(--navy); text-decoration: none; font-weight: 500;
}
.contact-info-item a:hover { text-decoration: underline; }

.cta-card {
  background: var(--navy);
  color: var(--white);
  border-radius: 16px;
  padding: 40px 36px;
  position: relative;
  overflow: hidden;
}

.cta-card::before {
  content: '';
  position: absolute; top: -40px; right: -40px;
  width: 160px; height: 160px;
  background: rgba(191,143,0,0.12);
  border-radius: 50%;
  pointer-events: none;
}

.cta-card > * { position: relative; z-index: 2; }

.cta-card h3 {
  font-family: 'Fraunces', serif;
  font-weight: 500;
  font-size: 26px;
  margin-bottom: 14px;
  letter-spacing: -0.3px;
}

.cta-card p {
  font-size: 15px;
  color: rgba(255,255,255,0.72);
  margin-bottom: 28px;
  line-height: 1.65;
  font-weight: 300;
}

/* ─── FOOTER ─── */
footer {
  background: var(--navy-deep);
  color: rgba(255,255,255,0.55);
  padding: 56px 2rem 40px;
  text-align: center;
  font-size: 13px;
}

footer a {
  color: rgba(255,255,255,0.55);
  text-decoration: none;
  transition: color 0.2s;
}

footer a:hover { color: var(--white); }

.footer-logo {
  font-family: 'Fraunces', serif;
  font-size: 24px;
  font-weight: 600;
  color: var(--white);
  display: block;
  margin-bottom: 8px;
  letter-spacing: -0.5px;
}

.footer-logo em { font-style: normal; color: var(--gold); }

.footer-tagline {
  font-size: 13px;
  color: rgba(255,255,255,0.4);
  margin-bottom: 28px;
  font-weight: 300;
}

.footer-links {
  display: flex; justify-content: center; gap: 28px;
  margin-bottom: 28px;
  flex-wrap: wrap;
}

.footer-divider {
  height: 1px;
  background: rgba(255,255,255,0.08);
  max-width: 600px;
  margin: 0 auto 24px;
}

.footer-meta {
  font-size: 12px;
  color: rgba(255,255,255,0.4);
  line-height: 1.65;
  max-width: 580px;
  margin: 0 auto;
}

.footer-meta strong { color: rgba(255,255,255,0.6); font-weight: 500; }

/* ─── QUOTE PAGE ─── */
.quote-hero {
  background: var(--navy);
  padding: 60px 2rem 52px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.quote-hero::before {
  content: '';
  position: absolute; inset: 0;
  background-image: radial-gradient(circle at 70% 30%, rgba(191,143,0,0.08), transparent 50%);
  pointer-events: none;
}

.quote-hero > * { position: relative; z-index: 2; }

.quote-hero h1 {
  font-family: 'Fraunces', serif;
  font-weight: 500;
  font-size: 40px;
  color: var(--white);
  margin-bottom: 12px;
  letter-spacing: -0.5px;
}

.quote-hero h1 em { font-style: italic; color: var(--gold-light); font-weight: 400; }

.quote-hero p {
  font-size: 16px;
  color: rgba(255,255,255,0.7);
  max-width: 480px;
  margin: 0 auto;
  font-weight: 300;
}

.quote-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 42px 38px;
}

@media (max-width: 560px) { .quote-card { padding: 28px 22px; } }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 500px) { .form-row { grid-template-columns: 1fr; } }

.form-group { margin-bottom: 20px; }

label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 7px;
  letter-spacing: 0.2px;
}

input[type="text"],
input[type="email"],
input[type="tel"],
select {
  width: 100%;
  padding: 12px 15px;
  font-size: 15px;
  font-family: 'Inter', sans-serif;
  color: var(--text);
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: 8px;
  outline: none;
  transition: border-color 0.2s, box-shadow 0.2s;
}

input:focus, select:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(13,43,85,0.08);
}

.consent-block {
  background: var(--cream);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 18px;
  margin-bottom: 14px;
}

.consent-row { display: flex; gap: 12px; align-items: flex-start; }

.consent-row input[type="checkbox"] {
  width: 16px; height: 16px; flex-shrink: 0; margin-top: 3px;
  accent-color: var(--navy);
}

.consent-text {
  font-size: 12.5px;
  color: var(--muted);
  line-height: 1.65;
  font-weight: 400;
}

.consent-text strong { color: var(--text); font-weight: 600; }
.consent-text a { color: var(--navy); text-decoration: underline; }

.consent-required {
  color: var(--gold);
  font-weight: 600;
  font-size: 11px;
  display: block;
  margin-bottom: 6px;
  text-transform: uppercase;
  letter-spacing: 0.8px;
}

.consent-optional {
  color: var(--muted);
  font-weight: 600;
  font-size: 11px;
  display: block;
  margin-bottom: 6px;
  text-transform: uppercase;
  letter-spacing: 0.8px;
}

.submit-btn {
  width: 100%;
  background: var(--navy);
  color: var(--white);
  padding: 15px;
  border: none;
  border-radius: 9px;
  font-size: 16px;
  font-weight: 600;
  font-family: 'Inter', sans-serif;
  cursor: pointer;
  margin-top: 10px;
  transition: background 0.2s, transform 0.15s;
}

.submit-btn:hover { background: var(--navy-light); transform: translateY(-1px); }

.form-disclaimer {
  font-size: 11.5px;
  color: var(--muted-soft);
  text-align: center;
  margin-top: 18px;
  line-height: 1.6;
}

.form-disclaimer a { color: var(--muted); text-decoration: underline; }
.form-disclaimer strong { color: var(--muted); }

.sidebar-block {
  background: var(--cream);
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 30px 28px;
  margin-bottom: 18px;
}

.sidebar-block h3 {
  font-family: 'Fraunces', serif;
  font-weight: 500;
  font-size: 19px;
  color: var(--navy);
  margin-bottom: 14px;
  letter-spacing: -0.2px;
}

.sidebar-block p, .sidebar-block li {
  font-size: 14px;
  color: var(--muted);
  line-height: 1.7;
}

.sidebar-block ul { padding-left: 18px; }
.sidebar-block li { margin-bottom: 8px; }

.sidebar-dark {
  background: var(--navy);
  border-color: var(--navy);
}
.sidebar-dark h3 { color: var(--white); }
.sidebar-dark p { color: rgba(255,255,255,0.72); }
.sidebar-dark strong { color: var(--gold-light); font-weight: 600; }

.quote-layout {
  display: grid;
  grid-template-columns: 3fr 2fr;
  gap: 40px;
  max-width: 1040px;
  margin: 0 auto;
  padding: 60px 2rem 80px;
  align-items: start;
}

@media (max-width: 760px) {
  .quote-layout { grid-template-columns: 1fr; padding: 36px 1rem 60px; gap: 24px; }
}

/* ─── LEGAL PAGES ─── */
.legal-hero {
  background: var(--navy);
  padding: 70px 2rem 60px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.legal-hero::before {
  content: '';
  position: absolute; inset: 0;
  background-image: radial-gradient(circle at 70% 30%, rgba(191,143,0,0.06), transparent 55%);
  pointer-events: none;
}

.legal-hero > * { position: relative; z-index: 2; }

.legal-hero h1 {
  font-family: 'Fraunces', serif;
  font-weight: 500;
  font-size: 44px;
  color: var(--white);
  margin-bottom: 10px;
  letter-spacing: -0.5px;
}

.legal-hero p {
  font-size: 14px;
  color: rgba(255,255,255,0.6);
  font-weight: 400;
}

.legal-content {
  max-width: 780px;
  margin: 0 auto;
  padding: 60px 2rem 80px;
}

.legal-content h2 {
  font-family: 'Fraunces', serif;
  font-weight: 500;
  font-size: 26px;
  color: var(--navy);
  margin: 40px 0 14px;
  letter-spacing: -0.3px;
}

.legal-content h2:first-child { margin-top: 0; }

.legal-content h3 {
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 16px;
  color: var(--navy);
  margin: 26px 0 10px;
}

.legal-content p, .legal-content li {
  font-size: 15px;
  color: var(--text);
  line-height: 1.75;
  margin-bottom: 14px;
}

.legal-content ul, .legal-content ol {
  padding-left: 24px;
  margin-bottom: 14px;
}

.legal-content li { margin-bottom: 8px; }

.legal-content a { color: var(--navy); text-decoration: underline; }

.legal-content strong { color: var(--navy); font-weight: 600; }

.legal-callout {
  background: var(--cream);
  border-left: 3px solid var(--gold);
  border-radius: 6px;
  padding: 20px 24px;
  margin: 24px 0;
}

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