.mmf-footer{
      --mmf-navy:#0b3550;
      --mmf-navy-light:#174862;
      --mmf-orange:#ff5b25;
      --mmf-blue:#2798c3;
      --mmf-pale-blue:#eaf8fd;
      --mmf-white:#fff;
      --mmf-muted:#c7d9e2;
      --mmf-line:#cde6f0;
    }

    .mmf-footer,.mmf-footer *{box-sizing:border-box}
    .mmf-footer{font-family:"Open Sans",Arial,sans-serif}

    .mmf-footer{
      position:relative;
      overflow:hidden;
      width:100%;
      max-width:100%;
      padding:clamp(3rem,7vw,5.75rem) clamp(1rem,4vw,2.5rem) 1.5rem;
      background:var(--mmf-white);
      color:var(--mmf-navy);
    }

    .mmf-footer::after{
      content:"";
      position:absolute;
      right:-8rem;
      bottom:-12rem;
      width:30rem;
      height:26rem;
      border:1px solid rgba(39,152,195,.12);
      border-radius:43% 57% 61% 39% / 47% 42% 58% 53%;
      transform:rotate(-14deg);
      pointer-events:none;
    }

    .mmf-inner{position:relative;z-index:1;width:min(100%,1180px);margin-inline:auto}

    .mmf-top{
      display:grid;
      grid-template-columns:minmax(240px,.8fr) minmax(460px,1.4fr);
      gap:clamp(2.5rem,7vw,7rem);
      align-items:stretch;
      padding-bottom:clamp(2.5rem,5vw,4rem);
    }

    .mmf-brand{display:flex;align-items:center;justify-content:center}

    .mmf-brand img{
      display:block;
      width:min(100%,270px);
      height:auto;
    }

    .mmf-brand p{
      max-width:420px;
      margin:1.35rem 0 0;
      color:#587286;
      font-size:.96rem;
      line-height:1.7;
    }

    .mmf-eyebrow{
      margin:0 0 1.15rem;
      color:var(--mmf-orange);
      font-size:.75rem;
      font-weight:800;
      letter-spacing:.18em;
      text-transform:uppercase;
    }

    .mmf-links{
      display:grid;
      grid-template-columns:repeat(2,minmax(0,1fr));
      gap:.75rem;
      margin:0;
      padding:0;
      list-style:none;
    }

    .mmf-links a{
      display:flex;
      align-items:center;
      justify-content:space-between;
      min-height:62px;
      padding:.9rem 1.1rem;
      border:1px solid var(--mmf-line);
      border-radius:16px;
      color:var(--mmf-navy);
      font-size:.93rem;
      font-weight:700;
      text-decoration:none;
      transition:background-color .2s ease,border-color .2s ease,transform .2s ease;
    }

    .mmf-links a::after{
      content:"";
      flex:0 0 1rem;
      width:1rem;
      height:1rem;
      margin-left:1rem;
      background:center / contain no-repeat url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='none'%3E%3Cpath d='M4 12 12 4M5 4h7v7' stroke='%23ff5b25' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
    }

    .mmf-links a:hover{
      border-color:rgba(255,91,37,.65);
      background:var(--mmf-pale-blue);
      transform:translateY(-2px);
    }

    .mmf-links a:focus-visible,
    .mmf-contact a:focus-visible{
      outline:3px solid var(--mmf-orange);
      outline-offset:4px;
    }

    .mmf-legal{
      display:grid;
      grid-template-columns:minmax(0,1.35fr) minmax(365px,.72fr);
      gap:clamp(1.5rem,4vw,3rem);
      padding:clamp(1.5rem,3vw,2.25rem);
      border:1px solid var(--mmf-line);
      border-radius:24px;
      background:#f7fbfd;
    }

    .mmf-legal>*{min-width:0}

    .mmf-legal-copy p{
      margin:0;
      color:#587286;
      font-size:.78rem;
      line-height:1.65;
      overflow-wrap:anywhere;
    }

    .mmf-legal-copy p+p{margin-top:1rem}

    .mmf-contact{
      align-self:start;
      padding:1.2rem;
      border-radius:18px;
      background:var(--mmf-pale-blue);
      color:var(--mmf-navy);
    }

    .mmf-contact h2{margin:0 0 .8rem;font-size:1.05rem;line-height:1.3;white-space:nowrap}
    .mmf-contact p{display:grid;grid-template-columns:auto minmax(0,1fr);gap:.4rem;margin:.55rem 0;font-size:.82rem;line-height:1.55}
    .mmf-contact a{color:var(--mmf-navy);font-weight:800;text-underline-offset:3px}
    .mmf-contact a{white-space:nowrap;overflow-wrap:normal;word-break:normal}

    .mmf-warning{
      margin:1.5rem 0 0;
      padding:1rem 1.2rem;
      border-left:4px solid var(--mmf-orange);
      background:rgba(255,91,37,.09);
      color:var(--mmf-navy);
      font-size:.78rem;
      font-weight:600;
      line-height:1.55;
      text-transform:none;
    }

    .mmf-warning p{margin:0}
    .mmf-warning p+p{margin-top:.65rem}
    .mmf-warning a{color:var(--mmf-navy);font-weight:800;text-underline-offset:2px}
    .mmf-warning a:focus-visible{outline:3px solid var(--mmf-orange);outline-offset:3px}

    .mmf-bottom{
      display:flex;
      align-items:center;
      justify-content:space-between;
      gap:1rem;
      margin-top:1.5rem;
      padding-top:1.25rem;
      border-top:1px solid var(--mmf-line);
      color:#587286;
      font-size:.76rem;
    }

    .mmf-bottom p{margin:0}
    .mmf-bottom span{color:var(--mmf-orange);font-weight:800}

    @media(max-width:820px){
      .mmf-top,.mmf-legal{grid-template-columns:1fr}
      .mmf-top{gap:2.5rem}
      .mmf-brand img{width:min(100%,235px)}
      .mmf-contact{max-width:none}
      .mmf-contact h2{white-space:normal}
      .mmf-contact a{white-space:normal;overflow-wrap:anywhere;word-break:break-word}
    }

    @media(max-width:520px){
      .mmf-footer{padding-inline:1rem}
      .mmf-brand img{margin-inline:auto}
      .mmf-links{grid-template-columns:1fr}
      .mmf-links a{min-height:56px}
      .mmf-legal{padding:1.1rem;border-radius:20px}
      .mmf-contact{padding:1rem}
      .mmf-contact h2{font-size:1rem;line-height:1.25}
      .mmf-contact p{grid-template-columns:1fr;gap:.15rem;margin:.8rem 0}
      .mmf-contact a{display:inline-block;width:fit-content;max-width:100%;font-size:.78rem}
      .mmf-warning{text-align:left}
      .mmf-bottom{align-items:flex-start;flex-direction:column}
    }

    @media(max-width:360px){
      .mmf-footer{padding-inline:.75rem}
      .mmf-legal{padding:.85rem}
      .mmf-contact{padding:.9rem}
      .mmf-contact h2{font-size:.98rem}
      .mmf-contact p,.mmf-contact a{font-size:.76rem}
    }

    @media(prefers-reduced-motion:reduce){
      .mmf-links a{transition:none}
    }