:root {
  color-scheme: light dark;
  --bg: #f7f8fa;
  --surface: #ffffff;
  --text: #18202b;
  --muted: #4d5868;
  --line: #dde2ea;
  --accent: #1d5fd1;
  --accent-text: #ffffff;
  --hero: #eef3fb;
  --radius: 12px;
}
@media (prefers-color-scheme: dark) {
  :root {
    --bg: #0f141b;
    --surface: #161d27;
    --text: #e7ebf1;
    --muted: #a5afbd;
    --line: #2a3340;
    --accent: #7fb0ff;
    --accent-text: #0b1220;
    --hero: #131c2a;
  }
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font: 16px/1.6 system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  -webkit-text-size-adjust: 100%;
}
a { color: var(--accent); text-underline-offset: 0.15em; }
a:focus-visible, .button:focus-visible {
  outline: 3px solid var(--accent);
  outline-offset: 2px;
  border-radius: 4px;
}
h1, h2 { line-height: 1.2; margin: 0 0 0.6rem; }
h1 { font-size: clamp(2rem, 5vw, 3rem); letter-spacing: -0.02em; }
h2 { font-size: 1.35rem; }
p { margin: 0 0 1rem; }
section[id] { scroll-margin-top: 5rem; }

.wrap { width: 100%; max-width: 1040px; margin: 0 auto; padding: 0 16px; }
@media (min-width: 720px) { .wrap { padding: 0 24px; } }

.skip {
  position: absolute; left: 16px; top: -3rem; z-index: 10;
  background: var(--surface); color: var(--text);
  padding: 0.5rem 0.9rem; border: 2px solid var(--accent); border-radius: 8px;
}
.skip:focus { top: 0.75rem; }

.site-header { background: var(--surface); border-bottom: 1px solid var(--line); }
/* Sticky only where the navigation fits on one row and cannot cover targets. */
@media (min-width: 720px) { .site-header { position: sticky; top: 0; z-index: 5; } }
.header-row {
  display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between;
  gap: 0.5rem 1.5rem; padding-top: 0.7rem; padding-bottom: 0.7rem;
}
.brand {
  display: inline-flex; align-items: center; gap: 0.55rem;
  color: var(--text); text-decoration: none; font-weight: 700; font-size: 1.08rem;
}
nav ul, .site-footer ul {
  list-style: none; margin: 0; padding: 0;
  display: flex; flex-wrap: wrap; gap: 0.25rem 1.1rem;
}
nav a, .site-footer a { color: var(--muted); text-decoration: none; font-size: 0.95rem; }
nav a:hover, .site-footer a:hover { color: var(--accent); text-decoration: underline; }

.hero { background: var(--hero); border-bottom: 1px solid var(--line); padding: 3rem 0 2.6rem; }
@media (min-width: 720px) { .hero { padding: 4.5rem 0 3.8rem; } }
.eyebrow { color: var(--muted); font-weight: 600; font-size: 0.95rem; }
.lede { font-size: 1.2rem; max-width: 46rem; }
.trading { color: var(--muted); max-width: 46rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 0.75rem; margin: 1.6rem 0 0; }
.button {
  display: inline-block; padding: 0.65rem 1.15rem; border-radius: 999px;
  background: var(--accent); color: var(--accent-text);
  font-weight: 600; text-decoration: none; border: 2px solid var(--accent);
}
.button.secondary { background: transparent; color: var(--accent); }

.columns { display: grid; gap: 1.25rem; margin-top: 2.5rem; }
@media (min-width: 720px) { .columns { grid-template-columns: 1fr 1fr; } }
.card {
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 1.4rem 1.5rem;
}

.facts { margin: 0 0 1rem; padding-left: 1.2rem; }
.facts li { margin-bottom: 0.35rem; }

.policies { margin-top: 2.5rem; }
.policies section {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.4rem 1.5rem; margin-bottom: 1.25rem;
}
.policies h3 { font-size: 1.02rem; line-height: 1.3; margin: 1.3rem 0 0.35rem; }
.policies ul { margin: 0 0 1rem; padding-left: 1.2rem; }
.policies li { margin-bottom: 0.4rem; }
.policies p, .policies li { max-width: 72ch; }
.effective { color: var(--muted); font-size: 0.92rem; }

.contact { margin-top: 1.25rem; padding: 2.5rem 0 3rem; border-top: 1px solid var(--line); background: var(--surface); }
.contact-list { display: grid; gap: 1.1rem; margin: 1.4rem 0 0; }
@media (min-width: 720px) { .contact-list { grid-template-columns: repeat(3, 1fr); } }
.contact-list dt { font-weight: 700; margin-bottom: 0.2rem; }
.contact-list dd { margin: 0; overflow-wrap: anywhere; }
address { font-style: normal; }

.site-footer { border-top: 1px solid var(--line); padding: 1.4rem 0 2rem; color: var(--muted); font-size: 0.92rem; }
.footer-row { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 0.5rem 1.5rem; }
.footer-row p { margin: 0; }