body { background: #fff !important; color: #102238 !important; font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif !important; }
.topbar { background: rgba(255,255,255,.95) !important; border-bottom: 1px solid #dbe5eb !important; box-shadow: none !important; }
.brand { color: #102238 !important; }
.brand-mark { background: linear-gradient(145deg, #123a67, #0a7d80) !important; }
.nav a { color: #405468 !important; }
.nav a:hover, .nav a.active { color: #123a67 !important; background: #e7f5f3 !important; }
.nav .nav-cta { color: #fff !important; background: #123a67 !important; }
.legal-hero { background: linear-gradient(135deg, #edf8f5, #f5f9fc) !important; }
.legal-hero-card { background: #fff !important; border-color: #dbe5eb !important; box-shadow: 0 20px 60px rgba(20,54,82,.1) !important; }
.legal-hero h1, .legal-section h2, .toc h4 { color: #102238 !important; }
.legal-hero .lead, .legal-section p, .legal-section li, .toc a { color: #546578 !important; }
.legal-eyebrow, .effective-pill { color: #0a7d80 !important; background: #e7f5f3 !important; border-color: #b9ded9 !important; }
.legal-wrap { background: #fff !important; }
.toc, .legal-content, .legal-section { background: #fff !important; border-color: #dbe5eb !important; }
.site-footer { background: #0d2239 !important; }
.back-to-top { background: #123a67 !important; }
.skip-link { position: fixed; left: 16px; top: 12px; z-index: 1000; padding: 10px 16px; border-radius: 10px; background: #102238; color: #fff; transform: translateY(-160%); }
.skip-link:focus { transform: translateY(0); }
:focus-visible { outline: 3px solid #e7a623 !important; outline-offset: 3px !important; }
@media (max-width: 800px) { .nav { overflow-x: auto; flex-wrap: nowrap !important; } .nav a { white-space: nowrap; } }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto !important; } *,*::before,*::after { animation-duration:.001ms!important; animation-iteration-count:1!important; transition-duration:.001ms!important; } }