/* ==========================================================================
   POLICYGENIUS BGA LLC — Shared legal stylesheet
   Loaded ONLY by privacy.html and terms-of-service.html.
   Defines its own page background and text colors.
   ========================================================================== */

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Georgia, "Times New Roman", "Noto Serif", serif;
  font-size: 16px;
  line-height: 1.7;
  background-color: #F5F1E7;
  color: #1F3A5C;
  overflow-x: hidden;
}

.legal-header {
  background-color: #1F3A5C;
  border-bottom: 4px solid #B08D3E;
  padding: 26px 0;
}

.legal-header-inner {
  max-width: 860px;
  margin: 0 auto;
  padding: 0 24px;
}

.legal-brand {
  display: inline-block;
  background-color: #B08D3E;
  border: 2px solid #8E6E2C;
  border-radius: 3px;
  padding: 10px 18px;
  margin-bottom: 16px;
}

.legal-brand-name {
  font-size: 16px;
  font-weight: bold;
  color: #16324A;
  margin: 0;
}

.legal-brand-sub {
  font-size: 11px;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: #2E4A63;
  margin: 2px 0 0;
}

.legal-header h1 {
  color: #FCF9F2;
  font-size: 32px;
  margin: 0 0 8px;
}

.legal-header p {
  color: #D6E0EA;
  font-size: 14px;
  margin: 0;
}

.legal-content {
  max-width: 860px;
  margin: 0 auto;
  padding: 0 24px 46px;
}

.legal-content section {
  background-color: transparent !important;
}

.legal-toc {
  background-color: #FCF9F2;
  border: 2px solid #CBC4B0;
  border-left: 6px solid #B08D3E;
  border-radius: 3px;
  padding: 22px 26px;
  margin: 34px 0;
}

.legal-toc h2 {
  font-size: 20px;
  margin: 0 0 14px;
}

.legal-toc ul {
  list-style: none;
  margin: 0;
  padding: 0;
  columns: 2;
  column-gap: 30px;
}

.legal-toc li {
  margin-bottom: 8px;
  break-inside: avoid;
}

.legal-toc a {
  color: #2E5F58;
  text-decoration: none;
  border-bottom: 1px solid #CBC4B0;
  font-size: 14px;
}

.legal-toc a:hover {
  color: #A6432F;
  border-bottom-color: #A6432F;
}

.legal-content h2 {
  font-size: 24px;
  color: #16324A;
  margin: 40px 0 12px;
  padding-bottom: 8px;
  border-bottom: 2px solid #CBC4B0;
}

.legal-content h3 {
  font-size: 19px;
  color: #2E5F58;
  margin: 24px 0 10px;
}

.legal-content p {
  margin: 0 0 15px;
  color: #1F3A5C;
}

.legal-content ul,
.legal-content ol {
  margin: 0 0 16px;
  padding-left: 24px;
}

.legal-content li {
  margin-bottom: 8px;
  color: #1F3A5C;
}

.legal-content a {
  color: #2E5F58;
  font-weight: bold;
  text-decoration: none;
  border-bottom: 1px solid #2E5F58;
}

.legal-content a:hover {
  color: #A6432F;
  border-bottom-color: #A6432F;
}

.legal-note {
  background-color: #FCF9F2;
  border: 2px solid #CBC4B0;
  border-top: 6px solid #B08D3E;
  border-radius: 3px;
  padding: 20px 24px;
  margin: 26px 0;
}

.legal-note p {
  margin: 0;
}

.legal-footer {
  background-color: #16324A;
  color: #FCF9F2;
  padding: 30px 0;
  border-top: 4px solid #B08D3E;
}

.legal-footer-inner {
  max-width: 860px;
  margin: 0 auto;
  padding: 0 24px;
}

.legal-footer p {
  color: #FCF9F2;
  font-size: 14px;
  margin: 0 0 10px;
}

.legal-footer a {
  color: #C9B98A;
  text-decoration: none;
  font-weight: bold;
}

.legal-footer a:hover {
  text-decoration: underline;
}

.legal-footer-list {
  list-style: none;
  margin: 14px 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 8px 24px;
}

.legal-footer-list a {
  font-size: 14px;
}