:root {
  --navy: #13294b;
  --navy-2: #1d3a66;
  --gold: #c8963e;
  --gold-soft: #f6ead3;
  --ink: #1f2933;
  --muted: #5b6876;
  --line: #e2e6ec;
  --bg: #f7f8fa;
  --surface: #ffffff;
  --radius: 12px;
  --shadow: 0 1px 2px rgba(19, 41, 75, .06), 0 8px 24px rgba(19, 41, 75, .06);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  color: var(--ink);
  line-height: 1.6;
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--surface); }
img, svg { max-width: 100%; }
a { color: var(--navy-2); }
h1, h2, h3 { color: var(--navy); line-height: 1.2; letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 5vw, 3rem); margin: 0 0 16px; }
h2 { font-size: clamp(1.5rem, 3.4vw, 2.1rem); margin: 0 0 12px; }
h3 { font-size: 1.15rem; margin: 0 0 8px; }
p { margin: 0 0 16px; }

.container { width: 100%; max-width: 1120px; margin: 0 auto; padding: 0 16px; }
.narrow { max-width: 760px; }
.skip { position: absolute; left: -999px; }
.skip:focus { left: 16px; top: 16px; background: #fff; padding: 8px 12px; z-index: 10; }

/* header */
.site-header { position: sticky; top: 0; z-index: 5; background: rgba(255, 255, 255, .96); border-bottom: 1px solid var(--line); backdrop-filter: blur(6px); }
.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; text-decoration: none; color: var(--navy); }
.brand svg { width: 34px; height: 34px; flex: none; }
.brand-name { font-weight: 800; font-size: 1.05rem; line-height: 1.1; }
.brand-name small { display: block; font-weight: 600; font-size: .72rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gold); }
.nav { display: flex; align-items: center; gap: 4px; }
.nav a { text-decoration: none; color: var(--ink); font-weight: 600; padding: 8px 12px; border-radius: 8px; }
.nav a:hover, .nav a[aria-current="page"] { color: var(--navy); background: var(--bg); }
.nav .btn { margin-left: 8px; color: #fff; }
.nav .btn:hover { background: var(--navy-2); color: #fff; }
.menu-toggle { display: none; background: none; border: 1px solid var(--line); border-radius: 8px; padding: 8px 10px; font: inherit; font-weight: 600; color: var(--navy); }

@media (max-width: 860px) {
  .menu-toggle { display: block; }
  .nav { display: none; position: absolute; left: 0; right: 0; top: 68px; flex-direction: column; align-items: stretch; background: #fff; border-bottom: 1px solid var(--line); padding: 8px 16px 16px; }
  .nav.open { display: flex; }
  .nav a { padding: 12px; }
  .nav .btn { margin: 8px 0 0; text-align: center; }
}

/* buttons */
.btn { display: inline-block; background: var(--navy); color: #fff; border: 2px solid var(--navy); border-radius: 10px; padding: 12px 22px; font: inherit; font-weight: 700; text-decoration: none; cursor: pointer; }
.btn:hover { background: var(--navy-2); border-color: var(--navy-2); }
.btn-gold { background: var(--gold); border-color: var(--gold); color: #1b1305; }
.btn-gold:hover { background: #b98632; border-color: #b98632; }
.btn-outline { background: transparent; color: var(--navy); }
.btn-outline:hover { background: var(--bg); color: var(--navy); }
.btn-light { background: transparent; border-color: rgba(255, 255, 255, .6); color: #fff; }
.btn-light:hover { background: rgba(255, 255, 255, .1); border-color: #fff; }
.btn-small { padding: 4px 10px; font-size: .85rem; border-width: 1px; }
.btn:disabled { opacity: .6; cursor: default; }

/* hero */
.hero { background: radial-gradient(1200px 500px at 85% -10%, #2a4f86 0%, transparent 60%), linear-gradient(160deg, var(--navy) 0%, #0d1d36 100%); color: #e8edf5; padding: 88px 0 96px; position: relative; overflow: hidden; }
.hero h1 { color: #fff; max-width: 760px; }
.hero p.lead { font-size: 1.2rem; max-width: 640px; color: #d2dbe8; }
.hero .actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 28px; }
.hero-star { position: absolute; right: -60px; bottom: -80px; width: 420px; opacity: .08; }
.eyebrow { display: inline-block; font-size: .78rem; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--gold); margin-bottom: 14px; }
.page-hero { background: linear-gradient(160deg, var(--navy) 0%, #0d1d36 100%); color: #d2dbe8; padding: 56px 0; }
.page-hero h1 { color: #fff; }
.page-hero p { max-width: 680px; font-size: 1.1rem; margin: 0; }

/* sections */
.section { padding: 72px 0; }
.section.alt { background: var(--bg); }
.section-head { max-width: 680px; margin-bottom: 36px; }
.section-head p { color: var(--muted); font-size: 1.08rem; }

.grid { display: grid; gap: 20px; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); }
.card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow); }
.card p { color: var(--muted); margin: 0; }
.icon { width: 44px; height: 44px; border-radius: 10px; background: var(--gold-soft); color: #8a6220; display: grid; place-items: center; margin-bottom: 14px; }
.icon svg { width: 24px; height: 24px; }

.steps { counter-reset: step; display: grid; gap: 20px; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
.step { padding: 24px; border-left: 3px solid var(--gold); background: var(--surface); border-radius: 0 var(--radius) var(--radius) 0; }
.step::before { counter-increment: step; content: "0" counter(step); display: block; font-weight: 800; color: var(--gold); margin-bottom: 6px; }
.step p { color: var(--muted); margin: 0; }

.service { display: grid; grid-template-columns: 56px 1fr; gap: 20px; padding: 28px 0; border-bottom: 1px solid var(--line); }
.service:last-child { border-bottom: 0; }
.service .icon { margin: 0; width: 56px; height: 56px; }
.service ul { margin: 8px 0 0; padding-left: 20px; color: var(--muted); }
@media (max-width: 560px) { .service { grid-template-columns: 1fr; gap: 12px; } }

.two-col { display: grid; gap: 40px; grid-template-columns: 1.1fr .9fr; align-items: start; }
@media (max-width: 860px) { .two-col { grid-template-columns: 1fr; } }

.cta-band { background: var(--navy); color: #d2dbe8; padding: 56px 0; }
.cta-band .container { display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.cta-band h2 { color: #fff; margin: 0 0 6px; }
.cta-band p { margin: 0; }

/* forms */
form label { display: block; font-weight: 600; font-size: .95rem; color: var(--navy); }
input, select, textarea { display: block; width: 100%; margin-top: 6px; padding: 12px; font: inherit; color: var(--ink); border: 1px solid #c9d1db; border-radius: 8px; background: #fff; }
input:focus, select:focus, textarea:focus { outline: 2px solid var(--gold); outline-offset: 1px; border-color: var(--gold); }
textarea { min-height: 140px; resize: vertical; }
.form-grid { display: grid; gap: 16px; grid-template-columns: 1fr 1fr; }
.form-grid .full { grid-column: 1 / -1; }
@media (max-width: 560px) { .form-grid { grid-template-columns: 1fr; } }
.consent { display: grid; grid-template-columns: 22px 1fr; gap: 10px; align-items: start; background: var(--bg); border: 1px solid var(--line); border-radius: 8px; padding: 14px; font-weight: 400; color: var(--ink); font-size: .92rem; }
.consent input { width: 20px; height: 20px; margin: 2px 0 0; }
.hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.form-note { font-size: .88rem; color: var(--muted); margin-top: 16px; }
.form-status { margin-top: 12px; font-weight: 600; }
.form-status.error { color: #a12a2a; }
.form-status.ok { color: #14532d; }

.contact-card { background: var(--bg); border-radius: var(--radius); padding: 24px; }
.contact-card dt { font-weight: 700; color: var(--navy); margin-top: 14px; }
.contact-card dt:first-child { margin-top: 0; }
.contact-card dd { margin: 4px 0 0; }

/* legal pages */
.legal h2 { font-size: 1.35rem; margin-top: 40px; }
.legal h3 { margin-top: 24px; }
.legal ul { padding-left: 22px; }
.legal li { margin-bottom: 6px; }
.legal .updated { color: var(--muted); }

/* footer */
.site-footer { background: #0d1d36; color: #b8c4d4; padding: 48px 0 28px; font-size: .95rem; }
.site-footer a { color: #e8edf5; text-decoration: none; }
.site-footer a:hover { text-decoration: underline; }
.footer-grid { display: grid; gap: 32px; grid-template-columns: 1.4fr 1fr 1fr; }
@media (max-width: 760px) { .footer-grid { grid-template-columns: 1fr; } }
.site-footer h4 { color: #fff; margin: 0 0 10px; font-size: .95rem; }
.site-footer ul { list-style: none; margin: 0; padding: 0; }
.site-footer li { margin-bottom: 6px; }
.site-footer address { font-style: normal; }
.footer-bottom { border-top: 1px solid rgba(255, 255, 255, .12); margin-top: 32px; padding-top: 20px; display: flex; flex-wrap: wrap; gap: 8px 20px; justify-content: space-between; }
.footer-bottom .legal-links { display: flex; flex-wrap: wrap; gap: 8px 20px; }
.footer-bottom .dnc { font-weight: 700; color: var(--gold); }
.more { margin-top: 24px; }
.cta-band a:not(.btn), .hero a:not(.btn) { color: #fff; }

/* consumer path */
.consumer-bar { background: var(--gold-soft); border-bottom: 1px solid #ecd9b4; font-size: .95rem; }
.consumer-bar .container { display: flex; flex-wrap: wrap; gap: 4px 12px; align-items: center; justify-content: center; padding-top: 10px; padding-bottom: 10px; color: #5c4214; }
.consumer-bar a { color: var(--navy); font-weight: 700; }
.disclosure { background: var(--bg); border-left: 4px solid var(--navy); padding: 14px 18px; border-radius: 0 8px 8px 0; }
.options { margin: 28px 0 8px; }
.options .card { text-decoration: none; color: inherit; transition: border-color .15s, transform .15s; }
.options .card:hover { border-color: var(--gold); transform: translateY(-2px); }
.section h2 + p, .narrow > h2 { margin-top: 0; }
.narrow > h2 { margin-top: 40px; }
fieldset.choices { border: 1px solid var(--line); border-radius: 8px; padding: 12px 14px; margin: 0; }
fieldset.choices legend { font-weight: 600; color: var(--navy); padding: 0 4px; }
fieldset.choices label { display: flex; gap: 10px; align-items: center; font-weight: 400; color: var(--ink); padding: 6px 0; }
fieldset.choices input { width: 18px; height: 18px; margin: 0; flex: none; }
textarea.short { min-height: 80px; }
mark.owner { background: #ffe08a; color: #4a3500; padding: 2px 6px; border-radius: 4px; font-weight: 600; outline: 2px dashed #d39e00; }