/* ════════════════ TERMS ════════════════ */
.lume-site {
  --bg:var(--brand-bg);--white:#ffffff;
  --navy:var(--brand-navy);--navy-dark:var(--brand-navy-dark);
  --bordo:var(--brand-rose-deep);
  --text:var(--brand-text);--muted:var(--brand-muted);--line:var(--brand-line);
  --serif:var(--font-serif);
  --sans:var(--font-sans);
  --shadow:0 2px 20px rgba(26,45,74,.07);
}
html{scroll-behavior:smooth}
.lume-site {background:var(--bg);color:var(--text);font-family:var(--sans);font-size:15px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}

/* HEADER */
.hdr{background:var(--navy);height:64px;display:flex;align-items:center;justify-content:space-between;padding:0 48px;position:sticky;top:0;z-index:100;box-shadow:0 2px 20px rgba(26,45,74,.2)}
.hdr-logo{font-family:var(--serif);font-size:20px;color:#fff;letter-spacing:.06em;display:flex;align-items:center;gap:4px}
.hdr-logo-dot{width:6px;height:6px;border-radius:50%;background:var(--bordo);display:inline-block}
.hdr-nav{display:flex;align-items:center;gap:24px}
.hdr-nav a{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.5);transition:color .2s;font-weight:500}
.hdr-nav a:hover{color:#fff}

/* HERO */
.tc-hero{background:var(--navy);padding:56px 48px 52px;position:relative;overflow:hidden}
.tc-hero::before{content:"";position:absolute;top:-60px;left:50%;width:400px;height:400px;border-radius:50%;background:rgba(142,59,70,.06);pointer-events:none}
.tc-hero__inner{max-width:1200px;margin:0 auto;position:relative}
.tc-hero__kicker{font-size:11px;letter-spacing:.22em;text-transform:uppercase;color:rgba(255,255,255,.4);margin-bottom:14px;font-weight:500}
.tc-hero__title{font-family:var(--serif);font-size:clamp(36px,5vw,60px);font-weight:400;color:#fff;letter-spacing:-.01em;line-height:1.05;margin-bottom:14px}
.tc-hero__sub{font-size:14px;color:rgba(255,255,255,.5);max-width:560px;line-height:1.7}
.tc-hero__meta{display:flex;gap:28px;margin-top:28px;flex-wrap:wrap}
.tc-hero__meta-item{display:flex;align-items:center;gap:8px;font-size:12px;color:rgba(255,255,255,.4)}
.tc-hero__meta-dot{width:4px;height:4px;border-radius:50%;background:var(--bordo);flex-shrink:0}

/* LAYOUT */
.tc-layout{max-width:1200px;margin:0 auto;padding:56px 48px 100px;display:grid;grid-template-columns:220px 1fr;gap:56px;align-items:start}

/* SIDENAV */
.tc-sidenav{position:sticky;top:88px}
.tc-sidenav__title{font-size:10px;letter-spacing:.2em;text-transform:uppercase;color:var(--muted);font-weight:600;margin-bottom:14px}
.tc-sidenav__list{list-style:none;display:flex;flex-direction:column;gap:2px}
.tc-sidenav__item a{display:flex;align-items:center;gap:8px;padding:10px 14px;font-size:12.5px;color:var(--muted);transition:color .2s,background .2s;border-radius:6px}
.tc-sidenav__item a:hover{color:var(--text);background:rgba(26,45,74,.04)}
.tc-sidenav__item.is-active a{color:var(--navy);background:rgba(26,45,74,.06);font-weight:500}
.tc-sidenav__dot{width:5px;height:5px;border-radius:50%;background:var(--bordo);flex-shrink:0}

/* CONTENT */
.tc-section{margin-bottom:52px;scroll-margin-top:96px}
.tc-section:last-child{margin-bottom:0}
.tc-section__header{display:flex;align-items:center;gap:14px;margin-bottom:22px;padding-bottom:16px;border-bottom:1px solid var(--line)}
.tc-section__num{width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;font-size:11px;font-weight:600;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.tc-section__title{font-family:var(--serif);font-size:26px;font-weight:400;letter-spacing:-.01em}
.tc-body{font-size:14px;color:#4a3e38;line-height:1.85}
.tc-body p{margin-bottom:14px}
.tc-body p:last-child{margin-bottom:0}
.tc-body h4{font-family:var(--sans);font-size:12px;letter-spacing:.14em;text-transform:uppercase;font-weight:600;color:var(--navy);margin:22px 0 10px}
.tc-body ul,.tc-body ol{padding-left:0;margin-bottom:14px;list-style:none}
.tc-body ul li{padding-left:18px;position:relative;margin-bottom:7px}
.tc-body ul li::before{content:"";position:absolute;left:0;top:9px;width:5px;height:5px;border-radius:50%;background:var(--bordo)}
.tc-body ol{counter-reset:ol-counter}
.tc-body ol li{padding-left:28px;position:relative;margin-bottom:8px;counter-increment:ol-counter}
.tc-body ol li::before{content:counter(ol-counter)".";position:absolute;left:0;top:0;font-size:12px;font-weight:600;color:var(--navy)}
.tc-body strong{color:var(--text);font-weight:600}
.tc-body a{color:var(--navy);text-decoration:underline;text-underline-offset:3px}

/* INFO BOX */
.tc-infobox{background:rgba(26,45,74,.04);border-left:3px solid var(--navy);padding:18px 22px;border-radius:0 8px 8px 0;margin:20px 0}
.tc-infobox p{margin:0;font-size:13.5px;color:var(--text)}
.tc-warnbox{background:rgba(142,59,70,.06);border-left:3px solid var(--bordo);padding:18px 22px;border-radius:0 8px 8px 0;margin:20px 0}
.tc-warnbox p{margin:0;font-size:13.5px;color:var(--text)}

/* CONTACT CARD */
.tc-contact-card{background:var(--white);border:1px solid var(--line);border-radius:12px;padding:28px 32px;box-shadow:var(--shadow);margin-top:52px}
.tc-contact-card__title{font-family:var(--serif);font-size:22px;font-weight:400;margin-bottom:8px}
.tc-contact-card__sub{font-size:13.5px;color:var(--muted);margin-bottom:20px}
.tc-contact-list{display:flex;flex-direction:column;gap:10px}
.tc-contact-list__item{display:flex;align-items:flex-start;gap:10px;font-size:13.5px}
.tc-contact-list__label{font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);font-weight:500;min-width:60px;padding-top:2px}
.tc-contact-list__val a{color:var(--navy);text-decoration:underline;text-underline-offset:3px}

/* FOOTER */
.tc-footer{border-top:1px solid var(--line);padding:22px 48px;display:flex;justify-content:center;gap:28px;flex-wrap:wrap}
.tc-footer a{font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);transition:color .2s}
.tc-footer a:hover{color:var(--text)}

/* RESPONSIVE */
@media(max-width:960px){
  .tc-layout{grid-template-columns:1fr;padding:40px 32px 80px;gap:0}
  .tc-sidenav{display:none}
  .tc-hero{padding:44px 32px 40px}
}
@media(max-width:640px){
  .hdr{padding:0 20px}
  .hdr-nav{display:none}
  .tc-hero{padding:32px 20px 28px}
  .tc-layout{padding:28px 20px 60px}
  .tc-contact-card{padding:22px 20px}
  .tc-footer{padding:18px 20px;gap:18px}
}