:root{
  --bg:#ffffff;
  --text:#1f2937;
  --muted:#6b7280;
  --border:#e5e7eb;
  --link:#111827;
  --card:#f9fafb;
  --primary:#0f172a;
  --max:800px;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0;background:var(--bg);color:var(--text);font-family:'Inter',system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;-webkit-font-smoothing:antialiased;}
a{color:var(--link);text-decoration:underline;text-underline-offset:3px;}
a:hover{opacity:.8}
header{border-bottom:1px solid var(--border);background:#fff}
nav{max-width:var(--max);margin:0 auto;padding:18px 20px;display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.brand{font-weight:700;letter-spacing:.2px;text-decoration:none}
.navlinks{display:flex;gap:14px;flex-wrap:wrap}
.navlinks a{text-decoration:none;color:var(--text);padding:6px 8px;border-radius:8px}
.navlinks a:hover{background:var(--card)}
main{max-width:var(--max);margin:0 auto;padding:34px 20px 18px}
h1{font-size:40px;line-height:1.1;margin:0 0 10px}
h2{font-size:22px;margin:26px 0 10px}
h1,h2,h3,.brand{font-family:'Merriweather',serif;font-weight:700;letter-spacing:-0.02em;}
p{line-height:1.6;margin:0 0 14px;color:var(--text)}
.lede{color:var(--muted);font-size:16px;margin-top:6px}
.card{border:1px solid var(--border);background:var(--card);padding:18px;border-radius:14px;margin:18px 0}
label{display:block;font-weight:600;margin-bottom:8px}
input{width:100%;padding:12px 12px;border:1px solid var(--border);border-radius:10px;font-size:15px}
input:focus{outline:none;border-color:var(--primary);box-shadow:0 0 0 3px rgba(15,23,42,0.1);}
button{margin-top:10px;padding:12px 14px;border-radius:10px;border:1px solid var(--border);background:#111827;color:#fff;font-weight:600;cursor:pointer}
button:hover{opacity:.9}
.small{font-size:13px;color:var(--muted)}
footer{border-top:1px solid var(--border);margin-top:30px}
footer .wrap{max-width:var(--max);margin:0 auto;padding:18px 20px;color:var(--muted);font-size:13px;line-height:1.5}
hr{border:none;border-top:1px solid var(--border);margin:18px 0}

/* FAQ page */
.faq-list{margin:24px 0}
.faq-item{margin-bottom:24px;padding-bottom:24px;border-bottom:1px solid var(--border)}
.faq-item:last-child{border-bottom:none}
.faq-item h2{font-size:18px;margin:0 0 8px}
.faq-item p{margin:0;color:var(--text)}

/* Legal pages */
.legal-doc h2{font-size:18px;margin-top:28px}
.legal-doc h3{font-size:15px;margin-top:20px;margin-bottom:8px}
.legal-doc ul{margin:0 0 16px;padding-left:24px}
.legal-doc li{margin-bottom:6px;line-height:1.6}
.breadcrumb{margin-bottom:20px}
.breadcrumb a{font-size:14px;color:var(--muted)}
.effective-date{color:var(--muted);font-size:14px;margin-bottom:24px;padding-bottom:16px;border-bottom:1px solid var(--border)}
.highlight{background:#fffbeb;border:1px solid #fcd34d;padding:16px;border-radius:8px;margin:20px 0}
.highlight p{margin:0 0 10px}
.highlight p:last-child{margin:0}
.highlight ul{margin:10px 0 0;padding-left:20px}
.contact-box{background:var(--card);padding:20px;border-radius:8px;margin-top:30px}
.contact-box h3{margin:0 0 12px}
.contact-box p{margin:0 0 8px}
.contact-box p:last-child{margin:0}

/* Legal index cards */
.legal-links .card{margin-bottom:12px}
.legal-links .card h2{margin:0 0 6px;font-size:16px}
.legal-links .card h2 a{text-decoration:none}
.legal-links .card p{margin:0;font-size:14px;color:var(--muted)}

/* How it works */
.how-it-works{margin:28px 0;padding:24px;background:var(--card);border-radius:14px;border:1px solid var(--border)}
.how-it-works h2{margin:0 0 18px;font-size:18px}
.steps{display:flex;gap:12px;justify-content:space-between}
.step{flex:1;text-align:center;min-width:0}
.step-num{display:flex;align-items:center;justify-content:center;width:32px;height:32px;margin:0 auto 8px;background:var(--primary);color:#fff;border-radius:50%;font-weight:600;font-size:14px}
.step-content{display:block}
.step-label{display:block;font-weight:600;font-size:14px;margin-bottom:4px}
.step-desc{display:block;font-size:12px;color:var(--muted);line-height:1.3}

/* Prominent card */
.card-prominent{background:#fff;border:2px solid var(--primary);box-shadow:0 4px 12px rgba(0,0,0,0.08)}
.card-prominent h2{margin-top:0}
.card-prominent button{width:100%;padding:14px;font-size:16px}

/* Notice box */
.notice-box{background:#f0fdf4;border:1px solid #86efac;padding:16px;border-radius:8px;margin:20px 0;font-size:14px;line-height:1.6}
.notice-box strong{color:#166534}
.notice-box.notice-subtle{background:#f9fafb;border:1px solid var(--border);margin-top:30px}
.notice-box.notice-subtle strong{color:var(--muted)}

/* Security list in card */
.security-list{margin:16px 0 0;padding:0;list-style:none;font-size:13px;color:var(--muted)}
.security-list li{padding:4px 0 4px 20px;position:relative}
.security-list li::before{content:"✓";position:absolute;left:0;color:#16a34a}

/* Home FAQ grid */
.home-faq{margin:30px 0}
.home-faq h2{margin:0 0 16px}
.faq-grid{display:grid;grid-template-columns:1fr;gap:16px}
.faq-snippet{padding:16px;background:var(--card);border:1px solid var(--border);border-radius:10px}
.faq-snippet h3{margin:0 0 8px;font-size:15px}
.faq-snippet p{margin:0;font-size:14px;color:var(--text);line-height:1.5}

/* About page */
.approach-list{margin:16px 0 24px;padding-left:0;list-style:none}
.approach-list li{padding:12px 16px;margin-bottom:8px;background:var(--card);border:1px solid var(--border);border-radius:8px;line-height:1.5}
.approach-list li strong{color:var(--primary)}
.disclaimer{color:var(--muted);font-size:14px;font-style:italic;margin-top:24px;padding-top:20px;border-top:1px solid var(--border)}

/* Glossary */
.glossary-list{margin:24px 0}
.glossary-item{margin-bottom:24px;padding-bottom:24px;border-bottom:1px solid var(--border)}
.glossary-item:last-child{border-bottom:none}
.glossary-item h2{font-size:17px;margin:0 0 8px}
.glossary-item p{margin:0;line-height:1.6}

/* Letter guide diagram */
.letter-guide{margin:30px 0}
.letter-diagram{position:relative;max-width:400px}
.letter-mock{background:#fff;border:2px solid var(--border);border-radius:4px;padding:20px;box-shadow:0 2px 8px rgba(0,0,0,0.08)}
.letter-header{display:flex;justify-content:space-between;margin-bottom:16px;font-size:13px}
.letter-logo{font-weight:700}
.letter-date{color:var(--muted)}
.letter-ref-highlight{background:#fef3c7;border:2px solid #f59e0b;border-radius:6px;padding:10px 14px;margin-bottom:16px;display:inline-block}
.ref-label{font-size:12px;color:var(--muted);display:block}
.ref-value{font-weight:700;font-size:18px;font-family:monospace}
.letter-body{margin-top:16px}
.letter-line{height:8px;background:var(--border);border-radius:4px;margin-bottom:8px}
.letter-line.short{width:60%}
.callout-arrow{margin-top:12px;font-size:13px;color:var(--muted);padding-left:10px;border-left:3px solid #f59e0b}
.ref-example{background:var(--card);border:1px solid var(--border);padding:12px 16px;border-radius:8px;margin:12px 0;display:inline-block}
.ref-example code{font-size:18px;font-weight:600}
code{background:var(--card);padding:2px 6px;border-radius:4px;font-family:monospace}

@media (max-width:600px){
  .steps{flex-direction:column;gap:16px}
  .step{display:flex;align-items:center;gap:12px;text-align:left}
  .step-num{margin:0;flex-shrink:0;display:flex;align-items:center;justify-content:center;width:36px;height:36px;line-height:1}
  .step-content{flex:1}
  .step-label{display:block;font-weight:600;font-size:14px;margin-bottom:2px}
  .step-desc{display:block;font-size:13px;color:var(--muted);line-height:1.4}
  nav{flex-direction:column;align-items:flex-start;gap:12px;}
  .navlinks{flex-direction:column;width:100%;gap:8px;}
  .navlinks a{display:block;width:100%;padding:10px 0;border-bottom:1px solid var(--border);}
  button{width:100%;padding:16px;font-size:16px;}
  input{padding:14px;}
}