.legal-hero {
  padding: calc(var(--nav-h) + 72px) 0 62px;
  background: radial-gradient(circle at 15% 10%, rgba(15,123,130,.13), transparent 34%), radial-gradient(circle at 85% 0%, rgba(38,43,94,.1), transparent 30%), var(--bg-soft);
  border-bottom: 1px solid var(--line);
}
.legal-hero__inner { max-width: 820px; }
.legal-hero h1 { margin-bottom: 16px; }
.legal-hero__lead { max-width: 700px; font-size: 1.08rem; color: var(--body); }
.legal-hero__meta { margin: 22px 0 0; font-size: .88rem; color: var(--muted); }
.legal-layout { display: grid; grid-template-columns: minmax(190px,240px) minmax(0,760px); justify-content: center; gap: 72px; padding-top: 64px; padding-bottom: 92px; }
.legal-toc { align-self: start; position: sticky; top: calc(var(--nav-h) + 28px); }
.legal-toc__title { margin-bottom: 13px; font-family: var(--font-head); font-size: .78rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--navy); }
.legal-toc ol { margin: 0; padding: 0; list-style: none; }
.legal-toc li + li { margin-top: 6px; }
.legal-toc a { display: block; padding: 4px 0; color: var(--muted); font-size: .86rem; line-height: 1.35; }
.legal-toc a:hover { color: var(--teal); }
.legal-content { min-width: 0; }
.legal-content section { scroll-margin-top: calc(var(--nav-h) + 24px); }
.legal-content section + section { margin-top: 44px; padding-top: 44px; border-top: 1px solid var(--line); }
.legal-content h2 { margin-bottom: 20px; font-size: clamp(1.45rem,1.2rem + .7vw,1.9rem); }
.legal-content h3 { margin: 28px 0 10px; font-size: 1.05rem; }
.legal-content p, .legal-content li { font-size: .97rem; line-height: 1.75; }
.legal-content ul, .legal-content ol { margin: 12px 0 18px; padding-left: 22px; }
.legal-content ul { list-style: disc; }
.legal-content ol { list-style: decimal; }
.legal-content li { padding-left: 5px; }
.legal-content li + li { margin-top: 7px; }
.legal-content strong { color: var(--ink); }
.legal-note { margin: 22px 0; padding: 18px 20px; border: 1px solid #cbe3e5; border-left: 4px solid var(--teal); border-radius: var(--radius-sm); background: var(--teal-soft); color: var(--ink); }
.legal-note p:last-child { margin-bottom: 0; }
.legal-address { font-style: normal; }
.withdrawal-form { margin-top: 20px; padding: 24px; border: 1px solid var(--line-strong); border-radius: var(--radius); background: var(--bg-soft); }
.withdrawal-form h3 { margin-top: 0; }
.withdrawal-form p:last-child { margin-bottom: 0; }
.legal-footer { padding: 42px 0; color: rgba(255,255,255,.72); background: var(--navy-deep); }
.legal-footer__inner { display: flex; justify-content: space-between; gap: 28px; align-items: center; }
.legal-footer img { width: auto; height: 28px; filter: brightness(0) invert(1); opacity: .9; }
.legal-footer p { margin: 0; font-size: .86rem; }
.legal-footer a { color: #fff; }
@media (max-width: 860px) {
  .legal-layout { grid-template-columns: 1fr; gap: 36px; }
  .legal-toc { position: static; padding: 18px 20px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--bg-soft); }
  .legal-toc ol { columns: 2; column-gap: 28px; }
}
@media (max-width: 560px) {
  .legal-hero { padding-top: calc(var(--nav-h) + 48px); }
  .legal-layout { padding-top: 42px; padding-bottom: 68px; }
  .legal-toc ol { columns: 1; }
  .legal-footer__inner { align-items: flex-start; flex-direction: column; }
}