:root {
  --op-teal: #003435;
  --op-teal-raised: #0b4a49;
  --op-lime: #b2d235;
  --op-lime-soft: #eff5d9;
  --op-gold: #fec340;
  --op-cream: #fffbf7;
  --op-paper: #ffffff;
  --op-ink: #173b3a;
  --op-muted: #58706e;
  --op-border: #d5dfda;
}

body {
  overflow-x: hidden;
  background: var(--op-cream);
  color: var(--op-ink);
  line-height: 1.72;
}

.nav {
  padding: 12px 0;
  border-bottom: 4px solid var(--op-gold);
  background: var(--op-teal);
}

.nav-inner {
  max-width: 1120px;
  min-height: 72px;
  padding: 0 32px;
}

.brand-logo {
  width: clamp(146px, 13vw, 176px);
}

.home-link {
  padding: 11px 19px;
  border: 1px solid var(--op-lime);
  border-radius: 999px;
  background: var(--op-lime);
  color: var(--op-teal);
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0.015em;
  transition: transform 160ms ease, background 160ms ease, border-color 160ms ease;
}

.home-link:hover {
  transform: translateY(-1px);
  border-color: var(--op-gold);
  background: var(--op-gold);
}

.home-link:focus-visible,
footer a:focus-visible {
  outline: 3px solid var(--op-gold);
  outline-offset: 3px;
}

main {
  max-width: 980px;
  padding: 64px 32px 80px;
}

article {
  padding: clamp(34px, 6vw, 62px);
  border: 1px solid var(--op-border);
  border-top: 6px solid var(--op-gold);
  border-radius: 24px;
  background: var(--op-paper);
  box-shadow: 0 28px 72px -50px rgba(0, 52, 53, 0.55);
}

h1 {
  max-width: 760px;
  margin-bottom: 16px;
  color: var(--op-teal);
  font-size: clamp(42px, 6vw, 62px);
  font-weight: 600;
  line-height: 1;
  letter-spacing: -0.03em;
}

.effective-date {
  display: inline-flex;
  margin: 0 0 38px;
  padding: 8px 13px;
  border: 1px solid rgba(178, 210, 53, 0.72);
  border-radius: 999px;
  background: var(--op-lime-soft);
  color: var(--op-teal);
  font-size: 13px;
  font-weight: 800;
}

h2 {
  margin: 40px 0 12px;
  color: var(--op-teal);
  font-family: 'Fraunces', Georgia, serif;
  font-size: 27px;
  font-weight: 600;
  line-height: 1.2;
  letter-spacing: -0.01em;
}

h3 {
  margin: 28px 0 10px;
  color: var(--op-teal-raised);
  font-size: 17px;
  font-weight: 800;
}

p,
li {
  color: #294d4b;
}

p {
  margin-bottom: 18px;
}

ul {
  margin-bottom: 22px;
  padding-left: 25px;
}

li {
  margin-bottom: 9px;
  padding-left: 5px;
}

article a {
  color: var(--op-teal-raised);
  font-weight: 700;
  text-decoration-color: var(--op-lime);
  text-decoration-thickness: 2px;
  text-underline-offset: 3px;
}

footer {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  margin-top: 28px;
  padding: 24px 28px;
  border: 0;
  border-radius: 18px;
  background: var(--op-teal);
  color: rgba(255, 251, 247, 0.76);
  line-height: 1.55;
  text-align: center;
}

.legal-footer-mark {
  width: 44px;
  height: auto;
  flex: 0 0 auto;
}

footer a {
  color: var(--op-cream);
  font-weight: 800;
  text-underline-offset: 4px;
}

footer a:hover {
  color: var(--op-lime);
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

@media (max-width: 640px) {
  .nav {
    padding: 9px 0;
    border-bottom-width: 3px;
  }

  .nav-inner {
    min-height: 64px;
    padding: 0 16px;
    gap: 14px;
    align-items: center;
    flex-direction: row;
  }

  .brand-logo {
    width: 126px;
  }

  .home-link {
    padding: 9px 13px;
    font-size: 12px;
    white-space: nowrap;
  }

  main {
    padding: 42px 20px 60px;
  }

  article {
    padding: 30px 22px;
    border-radius: 20px;
  }

  h1 {
    font-size: 42px;
  }

  h2 {
    margin-top: 34px;
    font-size: 24px;
  }

  footer {
    flex-direction: column;
    padding: 24px 20px;
  }
}