.legal-wrap { padding: 4rem 0 5rem; background: var(--body-bg); }
.legal-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 2.5rem 2.5rem;
  max-width: 860px;
  margin: 0 auto;
}
.legal-card h2 {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--dark-navy);
  margin: 2rem 0 0.6rem;
  padding-bottom: 0.4rem;
  border-bottom: 2px solid var(--border);
}
.legal-card h2:first-child { margin-top: 0; }
.legal-card h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--dark-navy);
  margin: 1.4rem 0 0.4rem;
}
.legal-card p { color: #374151; line-height: 1.75; margin-bottom: 0.85rem; font-size: 0.9rem; }
.legal-card ul, .legal-card ol { color: #374151; font-size: 0.9rem; line-height: 1.75; padding-left: 1.4rem; margin-bottom: 0.85rem; }
.legal-card li { margin-bottom: 0.35rem; }
.legal-card strong { color: var(--dark-navy); }
.legal-card a { color: var(--red); text-decoration: none; }
.legal-card a:hover { text-decoration: underline; }
.legal-card .effective-date {
  display: inline-block;
  background: #f3f4f6;
  border-radius: 8px;
  padding: 0.5rem 1rem;
  font-size: 0.8rem;
  color: var(--muted);
  margin-bottom: 2rem;
}

.legal-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.82rem;
  margin: 1rem 0 1.5rem;
}
.legal-table th {
  background: var(--dark-navy);
  color: #fff;
  padding: 0.6rem 0.8rem;
  text-align: left;
  font-weight: 600;
  font-size: 0.78rem;
}
.legal-table td {
  padding: 0.55rem 0.8rem;
  border-bottom: 1px solid var(--border);
  color: #374151;
  vertical-align: top;
}
.legal-table tr:last-child td { border-bottom: none; }
.legal-table tr:nth-child(even) td { background: #f9fafb; }

@media (max-width: 768px) {
  .legal-card { padding: 1.5rem 1.25rem; }
  .legal-table { font-size: 0.75rem; }
  .legal-table th, .legal-table td { padding: 0.45rem 0.5rem; }
}