:root {
  --navy: #12355b;
  --navy-dark: #0c2540;
  --orange: #f28c28;
  --orange-dark: #d9731a;
  --ink: #1f2933;
  --muted: #52606d;
  --line: #e4e7eb;
  --soft: #f5f7fa;
  --cream: #fff8f0;
  --radius: 14px;
  --max: 1080px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  color: var(--ink);
  line-height: 1.65;
  font-size: 17px;
  background: #fff;
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; }
a { color: var(--navy); }
a:hover { color: var(--orange-dark); }
h1, h2, h3 { line-height: 1.2; color: var(--navy-dark); margin: 0 0 .6em; }
h1 { font-size: clamp(2.1rem, 5vw, 3.3rem); letter-spacing: -.02em; }
h2 { font-size: clamp(1.6rem, 3.4vw, 2.2rem); letter-spacing: -.01em; }
h3 { font-size: 1.15rem; }
p { margin: 0 0 1em; }
.container { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 22px; }
.narrow { max-width: 780px; }
.skip { position: absolute; left: -999px; top: 0; background: #fff; padding: 8px 12px; }
.skip:focus { left: 10px; z-index: 100; }

/* Header */
.site-header { border-bottom: 1px solid var(--line); background: #fff; position: sticky; top: 0; z-index: 50; }
.site-header .container { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 68px; }
.brand { display: flex; align-items: center; gap: 10px; font-weight: 700; color: var(--navy-dark); text-decoration: none; font-size: 1.1rem; }
.brand img { width: 34px; height: 34px; }
.nav { display: flex; align-items: center; gap: 22px; }
.nav a { text-decoration: none; color: var(--muted); font-size: .95rem; }
.nav a:hover { color: var(--navy); }
.nav .btn, .nav .btn:hover { color: #fff; white-space: nowrap; }
@media (max-width: 720px) { .nav .nav-link { display: none; } .brand { font-size: 1rem; } }

/* Buttons */
.btn {
  display: inline-block; background: var(--orange); color: #fff; text-decoration: none;
  font-weight: 700; padding: 14px 24px; border-radius: 999px; transition: background .15s, transform .15s;
  box-shadow: 0 6px 18px rgba(242, 140, 40, .28);
}
.btn:hover { background: var(--orange-dark); color: #fff; transform: translateY(-1px); }
.btn-small { padding: 9px 16px; font-size: .92rem; box-shadow: none; }
.btn-outline { background: transparent; color: #fff; border: 2px solid rgba(255,255,255,.7); box-shadow: none; }
.btn-outline:hover { background: rgba(255,255,255,.1); }

/* Hero */
.hero { background: linear-gradient(160deg, var(--navy) 0%, var(--navy-dark) 100%); color: #fff; padding: 84px 0 92px; }
.hero h1 { color: #fff; }
.hero .eyebrow { display: inline-block; background: rgba(242,140,40,.18); color: #ffc58a; font-weight: 600; font-size: .85rem; letter-spacing: .06em; text-transform: uppercase; padding: 6px 12px; border-radius: 999px; margin-bottom: 18px; }
.hero .lead { font-size: 1.2rem; color: #d9e2ec; max-width: 680px; margin-bottom: 30px; }
.hero .note { margin-top: 16px; color: #bcccdc; font-size: .95rem; }

/* Sections */
section { padding: 76px 0; }
.section-soft { background: var(--soft); }
.section-cream { background: var(--cream); }
.section-intro { max-width: 680px; margin-bottom: 40px; }
.section-intro p { color: var(--muted); font-size: 1.08rem; }

.steps { list-style: none; padding: 0; margin: 0; display: grid; gap: 18px; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); counter-reset: step; }
.steps li { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px 22px; counter-increment: step; }
.steps li::before { content: counter(step); display: inline-flex; align-items: center; justify-content: center; width: 36px; height: 36px; border-radius: 50%; background: var(--navy); color: #fff; font-weight: 700; margin-bottom: 14px; }
.steps p { color: var(--muted); margin: 0; font-size: .98rem; }

.cards { display: grid; gap: 20px; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.card { border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; background: #fff; }
.card .icon { width: 44px; height: 44px; border-radius: 12px; background: var(--cream); color: var(--orange-dark); display: flex; align-items: center; justify-content: center; margin-bottom: 14px; }
.card .icon svg { width: 24px; height: 24px; }
.card p { color: var(--muted); margin: 0; }

.two-col { display: grid; gap: 40px; grid-template-columns: 1fr 1fr; align-items: start; }
@media (max-width: 820px) { .two-col { grid-template-columns: 1fr; } }
.checklist { list-style: none; padding: 0; margin: 0; }
.checklist li { position: relative; padding-left: 34px; margin-bottom: 14px; }
.checklist li::before { content: ""; position: absolute; left: 0; top: 4px; width: 22px; height: 22px; border-radius: 50%; background: var(--orange) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6 12.5l4 4 8-9' fill='none' stroke='%23fff' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/14px no-repeat; }
.callout { background: #fff; border-left: 5px solid var(--orange); border-radius: var(--radius); padding: 26px 28px; box-shadow: 0 8px 28px rgba(18,53,91,.07); }
.callout p:last-child { margin-bottom: 0; }

/* FAQ */
.faq details { border-bottom: 1px solid var(--line); padding: 18px 0; }
.faq details:first-of-type { border-top: 1px solid var(--line); }
.faq summary { cursor: pointer; font-weight: 600; color: var(--navy-dark); list-style: none; position: relative; padding-right: 34px; font-size: 1.05rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 4px; top: -3px; font-size: 1.5rem; color: var(--orange-dark); font-weight: 400; }
.faq details[open] summary::after { content: "\2212"; }
.faq details p { margin: 12px 0 0; color: var(--muted); }

/* CTA band */
.cta-band { background: var(--navy); color: #fff; text-align: center; }
.cta-band h2 { color: #fff; }
.cta-band p { color: #d9e2ec; max-width: 620px; margin: 0 auto 28px; font-size: 1.1rem; }
.cta-band .small { font-size: .95rem; margin-top: 18px; margin-bottom: 0; color: #bcccdc; }
.cta-band a:not(.btn) { color: #ffc58a; }

/* Legal pages */
.legal-hero { background: var(--soft); border-bottom: 1px solid var(--line); padding: 52px 0 36px; }
.legal-hero p { color: var(--muted); margin: 0; }
.legal { padding: 44px 0 72px; }
.legal h2 { font-size: 1.4rem; margin-top: 2em; }
.legal h3 { margin-top: 1.4em; }
.legal ul { padding-left: 1.3em; }
.legal li { margin-bottom: .45em; }
.legal .highlight { background: var(--cream); border: 1px solid #f7d7b5; border-radius: var(--radius); padding: 20px 22px; margin: 1.2em 0; }
.legal .highlight p:last-child { margin-bottom: 0; }
.legal .toc { background: var(--soft); border-radius: var(--radius); padding: 18px 24px; margin-bottom: 1.5em; }
.legal .toc ol { margin: 8px 0 0; padding-left: 1.3em; }
.legal address { font-style: normal; line-height: 1.7; }
.legal dl { display: grid; grid-template-columns: max-content 1fr; gap: 8px 18px; }
.legal dt { font-weight: 600; color: var(--navy-dark); }
.legal dd { margin: 0; }
@media (max-width: 600px) { .legal dl { grid-template-columns: 1fr; } .legal dd { margin-bottom: 8px; } }

/* Footer */
.site-footer { background: var(--navy-dark); color: #bcccdc; padding: 44px 0 36px; font-size: .95rem; }
.site-footer .container { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 24px; }
.site-footer a { color: #fff; text-decoration: none; }
.site-footer a:hover { color: #ffc58a; }
.site-footer .brand { color: #fff; }
.site-footer nav { display: flex; flex-wrap: wrap; gap: 20px; align-items: flex-start; }
.site-footer .copy { width: 100%; border-top: 1px solid rgba(255,255,255,.12); padding-top: 20px; margin-top: 8px; color: #9fb3c8; }

/* Contact page */
.hero .note a { color: #ffc58a; }
.contact-intro { color: var(--muted); font-size: 1.08rem; }
.form-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 10px; box-shadow: 0 8px 28px rgba(18,53,91,.07); margin: 1.2em 0 0; }
.form-embed { min-height: 900px; }
.form-embed iframe { display: block; width: 100%; min-height: 900px; }
.disclosure { background: var(--cream); border: 1px solid #f7d7b5; border-radius: var(--radius); padding: 18px 22px; margin: 18px 0 0; font-size: .95rem; color: var(--ink); }
.contact-alt { margin-top: 2em; }