/* INSUREDWITHAMIT — Legal documents (Privacy / Terms / Accessibility) */
:root {
  --iwa-bg:        #0a0a0b;
  --iwa-bg-2:      #111113;
  --iwa-card:      #131316;
  --iwa-line:      rgba(255,255,255,0.08);
  --iwa-line-2:    rgba(255,255,255,0.14);
  --iwa-fg:        #f4f3ee;
  --iwa-fg-mute:   #b8b6ad;
  --iwa-fg-soft:   #8a877e;
  --iwa-accent:    #d6b478;
  --iwa-display:   "Instrument Serif", "Cormorant Garamond", serif;
  --iwa-sans:      "Manrope", "Inter", system-ui, -apple-system, sans-serif;
  --iwa-mono:      "JetBrains Mono", ui-monospace, monospace;
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

body {
  background: var(--iwa-bg);
  color: var(--iwa-fg);
  font-family: var(--iwa-sans);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

a { color: inherit; text-decoration: none; }

/* ============================== NAV ============================== */
.lex-nav {
  position: sticky; top: 0; z-index: 80;
  padding: 18px 28px;
  background: rgba(10,10,11,0.78);
  backdrop-filter: saturate(140%) blur(16px);
  border-bottom: 1px solid var(--iwa-line);
}
.lex-nav__inner {
  max-width: 1320px; margin: 0 auto;
  display: flex; align-items: center; justify-content: space-between; gap: 24px;
}
.lex-logo {
  display: inline-flex; align-items: center; gap: 12px;
  font-family: var(--iwa-display);
  font-size: 22px; letter-spacing: -0.01em;
}
.lex-logo__mark {
  width: 28px; height: 28px; border-radius: 50%;
  background: var(--iwa-accent);
  display: inline-flex; align-items: center; justify-content: center;
}
.lex-logo__mark::after {
  content: ""; width: 12px; height: 2px; background: #0a0a0b;
}
.lex-logo em {
  font-style: italic; color: var(--iwa-fg-mute);
  font-size: 18px; margin: 0 4px;
}
.lex-nav__back {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 13px; color: var(--iwa-fg-mute);
  border: 1px solid var(--iwa-line-2);
  padding: 9px 16px; border-radius: 999px;
  transition: color .2s, border-color .2s, background .2s;
}
.lex-nav__back:hover { color: var(--iwa-fg); border-color: rgba(255,255,255,0.25); background: rgba(255,255,255,0.04); }

/* ============================== MASTHEAD ============================== */
.lex-mast {
  max-width: 1320px; margin: 0 auto;
  padding: 80px 28px 56px;
  border-bottom: 1px solid var(--iwa-line);
}
.lex-mast__eyebrow {
  font-size: 11.5px; letter-spacing: 0.22em; text-transform: uppercase;
  color: var(--iwa-fg-soft);
  display: inline-flex; align-items: center; gap: 12px;
}
.lex-mast__eyebrow::before {
  content: ""; width: 24px; height: 1px; background: var(--iwa-accent);
}
.lex-mast__title {
  font-family: var(--iwa-display); font-weight: 400;
  font-size: clamp(56px, 8vw, 110px);
  line-height: 0.95; letter-spacing: -0.025em;
  margin: 22px 0 0;
  text-wrap: balance;
}
.lex-mast__title em { font-style: italic; color: var(--iwa-accent); }
.lex-mast__meta {
  display: flex; gap: 36px; flex-wrap: wrap;
  margin-top: 36px;
  font-size: 13px; color: var(--iwa-fg-mute);
}
.lex-mast__meta div span {
  display: block;
  font-size: 10.5px; letter-spacing: 0.2em; text-transform: uppercase;
  color: var(--iwa-fg-soft); margin-bottom: 6px;
}

/* Compliance review banner */
.lex-banner {
  max-width: 1320px; margin: 32px auto 0;
  padding: 0 28px;
}
.lex-banner__inner {
  display: flex; gap: 18px; align-items: flex-start;
  padding: 18px 22px;
  background: rgba(214,180,120,0.06);
  border: 1px solid rgba(214,180,120,0.22);
  border-radius: 14px;
  font-size: 13px; line-height: 1.55;
  color: var(--iwa-fg-mute);
}
.lex-banner__icon {
  flex: 0 0 auto;
  width: 28px; height: 28px; border-radius: 50%;
  background: rgba(214,180,120,0.16);
  display: inline-flex; align-items: center; justify-content: center;
  font-family: var(--iwa-display); font-size: 16px; color: var(--iwa-accent);
}
.lex-banner strong { color: var(--iwa-fg); font-weight: 600; }

/* ============================== LAYOUT ============================== */
.lex-shell {
  max-width: 1320px; margin: 0 auto;
  padding: 72px 28px 120px;
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: 80px;
  align-items: start;
}

/* Sticky TOC */
.lex-toc {
  position: sticky; top: 96px;
  font-size: 13px;
}
.lex-toc__label {
  font-size: 10.5px; letter-spacing: 0.22em; text-transform: uppercase;
  color: var(--iwa-fg-soft);
  margin-bottom: 18px;
}
.lex-toc ol {
  list-style: none; padding: 0; margin: 0;
  display: grid; gap: 1px;
  border-left: 1px solid var(--iwa-line);
}
.lex-toc li { counter-increment: toc; }
.lex-toc a {
  display: flex; gap: 10px;
  padding: 9px 0 9px 18px;
  margin-left: -1px;
  color: var(--iwa-fg-soft);
  border-left: 1px solid transparent;
  transition: color .2s, border-color .2s;
  line-height: 1.4;
}
.lex-toc a::before {
  content: counter(toc, decimal-leading-zero);
  font-family: var(--iwa-mono);
  font-size: 11px; color: var(--iwa-fg-soft);
  flex: 0 0 auto;
}
.lex-toc a:hover { color: var(--iwa-fg-mute); border-left-color: var(--iwa-line-2); }
.lex-toc a.is-active { color: var(--iwa-fg); border-left-color: var(--iwa-accent); }
.lex-toc ol { counter-reset: toc; }

/* Article */
.lex-article {
  max-width: 720px;
  font-size: 16px; line-height: 1.7;
  color: var(--iwa-fg-mute);
}
.lex-article > p:first-of-type {
  font-family: var(--iwa-display); font-size: 22px; line-height: 1.45;
  color: var(--iwa-fg); margin: 0 0 48px;
  text-wrap: pretty;
}
.lex-article section {
  padding-top: 56px;
  border-top: 1px solid var(--iwa-line);
  margin-top: 56px;
}
.lex-article section:first-of-type { border-top: 0; padding-top: 0; margin-top: 0; }
.lex-article h2 {
  display: flex; align-items: baseline; gap: 18px;
  font-family: var(--iwa-display); font-weight: 400;
  font-size: clamp(28px, 3.4vw, 38px); letter-spacing: -0.015em;
  color: var(--iwa-fg);
  margin: 0 0 24px;
  scroll-margin-top: 96px;
}
.lex-article h2 .num {
  font-family: var(--iwa-mono); font-size: 12px;
  color: var(--iwa-fg-soft); letter-spacing: 0;
  flex: 0 0 auto;
}
.lex-article h3 {
  font-family: var(--iwa-sans); font-weight: 600;
  font-size: 15px; color: var(--iwa-fg);
  letter-spacing: 0.04em; text-transform: uppercase;
  margin: 36px 0 12px;
}
.lex-article p { margin: 0 0 18px; }
.lex-article ul, .lex-article ol.lex-list {
  list-style: none; padding: 0; margin: 0 0 22px;
  display: grid; gap: 10px;
}
.lex-article ul li, .lex-article ol.lex-list li {
  padding-left: 22px; position: relative;
}
.lex-article ul li::before {
  content: ""; position: absolute; left: 0; top: 11px;
  width: 8px; height: 1px; background: var(--iwa-accent);
}
.lex-article ol.lex-list { counter-reset: lex; }
.lex-article ol.lex-list li {
  counter-increment: lex;
}
.lex-article ol.lex-list li::before {
  content: counter(lex, decimal-leading-zero);
  position: absolute; left: 0; top: 0;
  font-family: var(--iwa-mono); font-size: 11px;
  color: var(--iwa-fg-soft); line-height: 1.7;
}
.lex-article strong { color: var(--iwa-fg); font-weight: 600; }
.lex-article em { font-style: italic; }
.lex-article a.lex-inline {
  color: var(--iwa-fg);
  border-bottom: 1px solid var(--iwa-line-2);
  transition: border-color .2s;
}
.lex-article a.lex-inline:hover { border-bottom-color: var(--iwa-accent); }

.lex-article .lex-callout {
  margin: 24px 0;
  padding: 18px 22px;
  background: rgba(255,255,255,0.025);
  border: 1px solid var(--iwa-line);
  border-left: 2px solid var(--iwa-accent);
  border-radius: 4px;
  font-size: 14.5px;
}
.lex-article .lex-callout p:last-child { margin-bottom: 0; }
.lex-article .lex-callout strong.lex-callout__label {
  display: block;
  font-family: var(--iwa-mono); font-size: 10.5px;
  letter-spacing: 0.18em; text-transform: uppercase;
  color: var(--iwa-accent);
  margin-bottom: 8px;
}

.lex-article dl.lex-defs {
  display: grid; grid-template-columns: 200px 1fr; gap: 14px 24px;
  margin: 0 0 22px;
  padding: 22px 0;
  border-top: 1px solid var(--iwa-line);
  border-bottom: 1px solid var(--iwa-line);
  font-size: 14.5px;
}
.lex-article dl.lex-defs dt {
  font-family: var(--iwa-mono); font-size: 11.5px;
  text-transform: uppercase; letter-spacing: 0.12em;
  color: var(--iwa-fg-soft);
  padding-top: 2px;
}
.lex-article dl.lex-defs dd { margin: 0; color: var(--iwa-fg-mute); }

.lex-article table.lex-table {
  width: 100%; border-collapse: collapse;
  margin: 22px 0;
  font-size: 14px;
}
.lex-article table.lex-table th,
.lex-article table.lex-table td {
  text-align: left; padding: 14px 16px;
  border-bottom: 1px solid var(--iwa-line);
  vertical-align: top;
}
.lex-article table.lex-table th {
  font-family: var(--iwa-mono); font-size: 11px;
  text-transform: uppercase; letter-spacing: 0.12em;
  color: var(--iwa-fg-soft);
  font-weight: 500;
  border-bottom-color: var(--iwa-line-2);
}
.lex-article table.lex-table td { color: var(--iwa-fg-mute); }
.lex-article table.lex-table td strong { color: var(--iwa-fg); }

/* Contact card at end */
.lex-contact {
  margin-top: 80px; padding-top: 56px;
  border-top: 1px solid var(--iwa-line);
}
.lex-contact h3 {
  font-family: var(--iwa-display); font-weight: 400;
  font-size: 32px; letter-spacing: -0.01em;
  color: var(--iwa-fg); margin: 0 0 18px;
  text-transform: none;
}
.lex-contact__grid {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px;
  margin-top: 24px;
}
.lex-contact__item {
  padding: 22px 24px;
  border: 1px solid var(--iwa-line);
  border-radius: 12px;
  background: rgba(255,255,255,0.015);
}
.lex-contact__item span {
  display: block;
  font-family: var(--iwa-mono); font-size: 10.5px;
  letter-spacing: 0.2em; text-transform: uppercase;
  color: var(--iwa-fg-soft); margin-bottom: 8px;
}
.lex-contact__item strong { color: var(--iwa-fg); font-weight: 500; font-size: 15px; }
.lex-contact__item p { margin: 4px 0 0; font-size: 13.5px; line-height: 1.55; color: var(--iwa-fg-mute); }

/* ============================== FOOTER ============================== */
.lex-foot {
  border-top: 1px solid var(--iwa-line);
  padding: 36px 28px;
  background: var(--iwa-bg-2);
}
.lex-foot__inner {
  max-width: 1320px; margin: 0 auto;
  display: flex; justify-content: space-between; align-items: center;
  gap: 24px; flex-wrap: wrap;
  font-size: 12px; color: var(--iwa-fg-soft);
}
.lex-foot__links { display: flex; gap: 24px; flex-wrap: wrap; }
.lex-foot__links a:hover { color: var(--iwa-fg-mute); }

/* ============================== RESPONSIVE ============================== */
@media (max-width: 900px) {
  .lex-shell { grid-template-columns: 1fr; gap: 48px; padding-top: 48px; }
  .lex-toc { position: static; }
  .lex-toc ol { display: grid; grid-template-columns: 1fr 1fr; gap: 0; }
  .lex-mast { padding: 56px 28px 40px; }
  .lex-article > p:first-of-type { font-size: 19px; }
  .lex-article dl.lex-defs { grid-template-columns: 1fr; }
  .lex-contact__grid { grid-template-columns: 1fr; }
}
@media (max-width: 540px) {
  .lex-toc ol { grid-template-columns: 1fr; }
  .lex-mast__meta { gap: 22px; }
}