*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --navy:#0B1F3A;
  --teal:#0E7C86;
  --teal-lt:#13A8B4;
  --teal-pale:#E8F6F8;
  --white:#FFFFFF;
  --off-white:#F4F9FA;
  --gray:#6B7A8D;
  --gray-lt:#C9DDE0;
  --text:#1A2B3C;
  --accent:#D6EEF1;
}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;color:var(--text);background:var(--white);overflow-x:hidden;font-weight:400}
.container{max-width:1200px;margin:0 auto;padding:0 5%}
h1,h2,h3,h4,h5,h6{line-height:1.2;font-family:'DM Sans',sans-serif}
h1{font-weight:300;color:var(--white)}
h2{font-family:'DM Sans',sans-serif;font-weight:400;color:var(--navy);letter-spacing:-.02em}
h3{font-family:'DM Sans',sans-serif;font-weight:600;color:var(--navy)}
p{font-family:'DM Sans',sans-serif;font-weight:400}
img{max-width:100%;display:block}
a{text-decoration:none;color:inherit}
h2 em{font-family:'Playfair Display',serif;font-style:italic;color:var(--teal);font-weight:400}
.btn-primary{display:inline-flex;align-items:center;gap:0;background:var(--teal);color:#fff;padding:0;border-radius:10px;font-size:.88rem;font-weight:600;transition:all .3s;border:none;letter-spacing:.02em;overflow:hidden}
.btn-primary:hover{background:#0a666f;transform:translateY(-2px)}
.btn-primary::after{content:'→';display:inline-flex;align-items:center;justify-content:center;width:48px;align-self:stretch;border-left:1px solid rgba(255,255,255,.25);font-size:1.1rem}
.btn-primary span{padding:14px 20px}

/* ── TOP BAR ── */
.topbar{background:var(--navy);padding:8px 5%;display:flex;justify-content:space-between;align-items:center;font-size:.82rem;color:rgba(255,255,255,.7);overflow:hidden;max-height:60px;opacity:1}.topbar.hidden{opacity:0;max-height:0;padding:0}
.topbar a{color:rgba(255,255,255,.7);margin-left:16px;transition:color .2s}
.topbar a:hover{color:var(--teal-lt)}
.topbar-left{display:flex;align-items:center;gap:6px}
.phone-ring{display:inline-block;position:relative;animation:phone-shake .6s ease-in-out infinite;}
.phone-ring::before,.phone-ring::after{content:'';position:absolute;border-radius:50%;border:2px solid var(--teal-lt);opacity:0;top:50%;left:50%;transform:translate(-50%,-50%) scale(0);}
.phone-ring::before{animation:sound-wave 1.4s ease-out .2s infinite;}
.phone-ring::after{animation:sound-wave 1.4s ease-out .7s infinite;}
@keyframes phone-shake{0%,100%{transform:rotate(0deg);}15%{transform:rotate(-15deg);}30%{transform:rotate(12deg);}45%{transform:rotate(-10deg);}60%{transform:rotate(8deg);}75%{transform:rotate(-5deg);}90%{transform:rotate(3deg);}}
@keyframes sound-wave{0%{width:10px;height:10px;opacity:.8;transform:translate(-50%,-50%) scale(0);}100%{width:40px;height:40px;opacity:0;transform:translate(-50%,-50%) scale(1);}}

/* ── HEADER ── */
.header-wrap{position:sticky;top:0;z-index:1000;background:transparent;transition:transform 2.5s ease;transform:translateY(0);}.header-wrap.hidden{transform:translateY(-100%);}
header{background:#fff;backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);border-bottom:1px solid rgba(11,31,58,.08);margin:0;border-radius:0}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:14px 5%}
.logo{display:flex;align-items:center;gap:10px;font-family:'DM Sans',sans-serif;font-size:1.3rem;color:var(--navy)}
.logo-mark{width:38px;height:38px;background:var(--teal);border-radius:8px;display:flex;align-items:center;justify-content:center;color:white;font-family:'DM Sans',sans-serif;font-size:1.1rem;flex-shrink:0}
.logo span{font-size:.72rem;font-family:'DM Sans',sans-serif;font-weight:500;color:var(--gray);display:block;letter-spacing:.05em;text-transform:uppercase}
nav{display:flex;align-items:center;gap:0}
.nav-item{position:relative}
.nav-link{padding:10px 16px;font-size:.88rem;font-weight:500;color:var(--navy);display:block;transition:color .2s;white-space:nowrap}
.nav-link:hover,.nav-link.active{color:var(--teal)}
.nav-link.active::after{content:'';position:absolute;bottom:0;left:16px;right:16px;height:2px;background:var(--teal);border-radius:2px}
.dropdown{position:absolute;top:100%;left:0;background:var(--white);border:1px solid var(--gray-lt);border-radius:8px;box-shadow:0 8px 32px rgba(11,31,58,.12);min-width:240px;opacity:0;pointer-events:none;transform:translateY(8px);transition:all .2s;z-index:100}
.nav-item:hover .dropdown{opacity:1;pointer-events:all;transform:translateY(0)}
.dropdown a{display:block;padding:10px 18px;font-size:.86rem;color:var(--navy);border-bottom:1px solid var(--gray-lt);transition:background .15s,color .15s}
.dropdown a:last-child{border-bottom:none}
.dropdown a:hover{background:var(--teal-pale);color:var(--teal)}
.header-cta{margin-left:12px}
.header-cta.btn-primary{border-radius:10px;font-size:.85rem;padding:0;gap:0}
.header-cta.btn-primary span{padding:12px 20px}
.header-cta.btn-primary::after{width:44px;border-left:1px solid rgba(255,255,255,.25);font-size:1rem}
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:4px}
.hamburger span{display:block;width:22px;height:2px;background:var(--navy);border-radius:2px;transition:all .3s}

/* ── PAGE HERO ──── */
.page-hero{padding:60px 5%;background:linear-gradient(rgba(11,31,58,.88),rgba(11,31,58,.92)),url('../../../images/abs-lobby.png') center/cover no-repeat;color:#fff;position:relative;overflow:hidden}
.page-hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 60% 80% at 80% 50%,rgba(14,124,134,.25),transparent)}
.page-hero-inner{position:relative;z-index:2;max-width:700px}
.page-hero-eyebrow{font-size:11px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--teal-lt);margin-bottom:14px;display:flex;align-items:center;gap:8px}
.page-hero-eyebrow::before{content:'';display:block;width:20px;height:2px;background:var(--teal-lt)}
.page-hero h1{font-family:'DM Serif Display',serif;font-size:clamp(2rem,4vw,3rem);color:#fff;margin-bottom:16px;font-weight:700;line-height:1.15}
.page-hero h1 em{font-style:italic;color:var(--teal-lt);font-family:'DM Serif Display',serif;font-weight:400}
.page-hero p{font-size:1rem;color:rgba(255,255,255,.8);line-height:1.7;max-width:580px;margin-bottom:24px}
.updated-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(19,168,180,.12);border:1px solid rgba(19,168,180,.3);border-radius:999px;padding:6px 14px;font-size:.78rem;color:var(--teal-lt);font-weight:500;margin-top:8px}
.updated-badge::before{content:'';width:6px;height:6px;background:var(--teal-lt);border-radius:50%}

/* ── LEGAL CONTENT ──── */
.legal-wrap{padding:72px 0 96px;background:var(--white)}
.legal-layout{display:grid;grid-template-columns:260px 1fr;gap:64px;align-items:start}
.legal-toc{position:sticky;top:100px;background:var(--off-white);border:1px solid var(--gray-lt);border-radius:14px;padding:22px 22px 16px}
.legal-toc h4{font-size:.72rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gray);margin-bottom:14px}
.legal-toc ol{list-style:none;counter-reset:toc;padding:0}
.legal-toc li{counter-increment:toc;margin-bottom:2px}
.legal-toc a{display:block;padding:8px 10px;font-size:.83rem;color:var(--navy);border-radius:6px;transition:all .2s;line-height:1.4}
.legal-toc a::before{content:counter(toc,decimal-leading-zero) ".";color:var(--teal);font-weight:600;margin-right:8px;font-size:.78rem}
.legal-toc a:hover{background:var(--white);color:var(--teal)}
.legal-content{max-width:780px}
.legal-content section{padding-bottom:40px;margin-bottom:40px;border-bottom:1px solid var(--gray-lt)}
.legal-content section:last-child{border-bottom:none}
.legal-content h2{font-size:1.6rem;font-weight:500;margin-bottom:18px;scroll-margin-top:90px}
.legal-content h2 .sec-num{color:var(--teal);font-family:'Playfair Display',serif;font-style:italic;font-weight:500;margin-right:10px}
.legal-content h3{font-size:1.05rem;font-weight:600;margin:24px 0 10px;color:var(--navy)}
.legal-content p{font-size:.98rem;line-height:1.8;color:var(--text);margin-bottom:14px}
.legal-content ul{margin:8px 0 16px 20px;padding-left:8px}
.legal-content li{font-size:.98rem;line-height:1.75;color:var(--text);margin-bottom:8px;list-style:none;position:relative;padding-left:18px}
.legal-content li::before{content:'';position:absolute;left:0;top:.72em;width:6px;height:1.5px;background:var(--teal)}
.legal-content strong{color:var(--navy);font-weight:600}
.legal-content a{color:var(--teal);border-bottom:1px solid rgba(14,124,134,.3);transition:all .2s}
.legal-content a:hover{border-bottom-color:var(--teal)}
.legal-callout{background:var(--teal-pale);border-left:3px solid var(--teal);border-radius:0 10px 10px 0;padding:18px 22px;margin:22px 0;font-size:.93rem;line-height:1.7;color:var(--navy)}
.contact-block{background:var(--navy);border-radius:16px;padding:36px;margin-top:24px;color:rgba(255,255,255,.85)}
.contact-block h3{color:var(--white);font-size:1.2rem;margin-bottom:14px}
.contact-block p{color:rgba(255,255,255,.72);font-size:.92rem;line-height:1.8;margin-bottom:8px}
.contact-block a{color:var(--teal-lt);border-bottom-color:rgba(19,168,180,.35)}
.contact-block a:hover{border-bottom-color:var(--teal-lt)}

/* ── FOOTER ──── */
footer{background:var(--navy);padding:60px 5% 28px;color:rgba(255,255,255,.7);border-radius:24px;margin:16px}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr 1fr 1fr;gap:36px;margin-bottom:48px}
.footer-brand p{font-size:.86rem;line-height:1.7;max-width:280px}
.footer-col h4{font-size:.82rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--teal-lt);margin-bottom:16px}
.footer-col a{display:block;font-size:.86rem;color:rgba(255,255,255,.6);margin-bottom:10px;transition:color .2s}
.footer-col a:hover{color:var(--teal-lt)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:24px;display:flex;justify-content:space-between;align-items:center;font-size:.8rem;flex-wrap:wrap;gap:12px}
.footer-bottom a{color:rgba(255,255,255,.7);transition:color .2s}
.footer-bottom a:hover{color:var(--teal-lt)}

@media(max-width:960px){
  .legal-layout{grid-template-columns:1fr;gap:32px}
  .legal-toc{position:static}
  .footer-grid{grid-template-columns:1fr 1fr 1fr;gap:28px}
}
@media(max-width:768px){
  nav{display:none}
  .hamburger{display:flex}
  nav.open{display:flex;flex-direction:column;position:absolute;top:100%;left:0;right:0;background:var(--white);border-bottom:1px solid var(--gray-lt);padding:16px 5%;gap:0;box-shadow:0 8px 24px rgba(0,0,0,.1)}
  nav.open .nav-link{padding:12px 0;border-bottom:1px solid var(--gray-lt)}
  nav.open .dropdown{position:static;opacity:1;pointer-events:all;transform:none;box-shadow:none;border:none;background:var(--off-white);border-radius:0;margin:0 0 8px 16px}
  .header-cta{display:none}
  .page-hero{padding:60px 5% 56px}
  .legal-wrap{padding:48px 0 72px}
  .legal-content h2{font-size:1.35rem}
  .footer-grid{grid-template-columns:1fr 1fr;gap:24px}
  .footer-bottom{flex-direction:column;text-align:center}
}
[hidden]{display:none!important}@media(prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important}}