:root {
  --navy: #14263f;
  --navy-soft: #24406a;
  --text: #1f2933;
  --muted: #52606d;
  --line: #e4e7eb;
  --bg: #ffffff;
  --bg-alt: #f5f7fa;
}

* { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  font-size: 17px;
  line-height: 1.6;
  color: var(--text);
  background: var(--bg);
}

a { color: var(--navy-soft); }

.wrap { max-width: 860px; margin: 0 auto; padding: 0 20px; }

header.site {
  border-bottom: 1px solid var(--line);
  background: var(--bg);
}
header.site .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 64px;
  gap: 16px;
}
.brand {
  font-weight: 700;
  font-size: 1.15rem;
  color: var(--navy);
  text-decoration: none;
  letter-spacing: 0.01em;
}
header.site nav a {
  color: var(--muted);
  text-decoration: none;
  font-size: 0.95rem;
}
header.site nav a:hover { color: var(--navy); }

.hero {
  background: var(--navy);
  color: #fff;
  padding: 64px 0 56px;
}
.hero h1 {
  margin: 0 0 16px;
  font-size: clamp(1.8rem, 4.5vw, 2.6rem);
  line-height: 1.2;
}
.hero p {
  margin: 0;
  max-width: 640px;
  font-size: 1.1rem;
  color: #d9e2ec;
}

section { padding: 48px 0; }
section.alt { background: var(--bg-alt); }
section h2 {
  margin: 0 0 16px;
  font-size: 1.5rem;
  color: var(--navy);
}
section p { margin: 0 0 14px; }

ul.services {
  margin: 0;
  padding-left: 1.2em;
}
ul.services li { margin-bottom: 10px; }

.contact dl {
  display: grid;
  grid-template-columns: max-content 1fr;
  gap: 8px 20px;
  margin: 0;
}
.contact dt { font-weight: 600; color: var(--navy); }
.contact dd { margin: 0; }

main.legal { padding: 48px 0; }
main.legal h1 { color: var(--navy); font-size: 2rem; margin: 0 0 8px; }
main.legal h2 { color: var(--navy); font-size: 1.25rem; margin: 32px 0 10px; }
main.legal .effective { color: var(--muted); margin-bottom: 24px; }

footer.site {
  border-top: 1px solid var(--line);
  background: var(--bg-alt);
  padding: 32px 0;
  font-size: 0.92rem;
  color: var(--muted);
}
footer.site p { margin: 0 0 6px; }
footer.site .legal-name { font-weight: 600; color: var(--navy); }
footer.site .links { margin-top: 14px; }
footer.site .links a { margin-right: 18px; }

@media (max-width: 480px) {
  .contact dl { grid-template-columns: 1fr; gap: 2px; }
  .contact dd { margin-bottom: 10px; }
}