:root {
  --navy: #0D1B2A;
  --navy-soft: #1B2B3F;
  --blue: #1B6CA8;
  --gold: #C9952A;
  --gold-hover: #A87B1E;
  --offwhite: #F4F5F6;
  --white: #FFFFFF;
  --charcoal: #1A1A2E;
  --gray: #6B7280;
  --radius: 12px;
  --shadow: 0 6px 24px rgba(13, 27, 42, 0.08);
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: "Inter", system-ui, -apple-system, sans-serif;
  font-size: 17px;
  line-height: 1.6;
  color: var(--charcoal);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

a { color: var(--blue); }
img { max-width: 100%; display: block; }

.container { width: 100%; max-width: 1120px; margin: 0 auto; padding: 0 20px; }
.narrow { max-width: 780px; }

h1, h2, h3 { font-weight: 800; line-height: 1.15; letter-spacing: -0.02em; }
h1 { font-size: clamp(34px, 5.4vw, 54px); }
h2 { font-size: clamp(28px, 3.6vw, 36px); }
h3 { font-size: 21px; }

.eyebrow {
  display: inline-block;
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--blue);
  margin-bottom: 14px;
}
.on-dark .eyebrow { color: #6FB1E4; }

/* Buttons */
.btn {
  display: inline-block;
  background: var(--gold);
  color: var(--navy);
  font-weight: 600;
  font-size: 17px;
  padding: 16px 32px;
  border-radius: 8px;
  border: 0;
  cursor: pointer;
  text-decoration: none;
  font-family: inherit;
  transition: background 0.15s ease;
}
.btn:hover { background: var(--gold-hover); }
.btn-block { width: 100%; }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--navy);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 72px; gap: 16px; }
.brand { display: flex; align-items: center; gap: 12px; color: var(--white); text-decoration: none; }
.brand img { width: 40px; height: 44px; object-fit: contain; }
.brand-name { font-weight: 800; font-size: 19px; letter-spacing: -0.01em; line-height: 1.1; }
.brand-name small { display: block; font-weight: 500; font-size: 11px; letter-spacing: 0.12em; text-transform: uppercase; color: rgba(255,255,255,0.6); }
.nav-links { display: flex; align-items: center; gap: 26px; list-style: none; }
.nav-links a { color: rgba(255, 255, 255, 0.82); text-decoration: none; font-size: 15px; font-weight: 500; }
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--white); }
.nav-links .btn { padding: 10px 20px; font-size: 15px; color: var(--navy); }

/* Sections */
section { padding: 88px 0; }
.on-dark { background: var(--navy); color: var(--white); }
.on-dark p { color: rgba(255, 255, 255, 0.82); }
.bg-off { background: var(--offwhite); }
.section-head { max-width: 680px; margin-bottom: 48px; }
.section-head p { margin-top: 14px; color: var(--gray); font-size: 18px; }
.on-dark .section-head p { color: rgba(255, 255, 255, 0.75); }

/* Hero */
.hero { padding: 72px 0 88px; }
.hero-grid { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 56px; align-items: start; }
.hero h1 { margin-bottom: 20px; }
.hero .lede { font-size: 19px; margin-bottom: 28px; }
.hero-points { list-style: none; display: grid; gap: 12px; margin-bottom: 32px; }
.hero-points li { display: flex; gap: 12px; align-items: flex-start; color: rgba(255,255,255,0.88); }
.check {
  flex: none; width: 22px; height: 22px; margin-top: 2px;
  border-radius: 50%; background: rgba(27, 108, 168, 0.25);
  display: grid; place-items: center;
}
.check svg { width: 12px; height: 12px; stroke: #6FB1E4; }

/* Form card */
.form-card {
  background: var(--white);
  color: var(--charcoal);
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.35);
}
.form-card h2 { font-size: 24px; margin-bottom: 6px; }
.form-card .sub { color: var(--gray); font-size: 15px; margin-bottom: 22px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.field { margin-bottom: 14px; }
.field label { display: block; font-size: 14px; font-weight: 600; margin-bottom: 6px; }
.field .req { color: #B42318; }
.field input, .field select {
  width: 100%;
  font: inherit;
  font-size: 16px;
  padding: 12px 14px;
  border: 1px solid #D5D9DF;
  border-radius: 8px;
  background: var(--white);
  color: var(--charcoal);
}
.field input:focus, .field select:focus { outline: 2px solid var(--blue); outline-offset: 1px; border-color: var(--blue); }
.consent { display: flex; gap: 10px; align-items: flex-start; margin: 14px 0; font-size: 12.5px; line-height: 1.5; color: #4B5563; }
.consent input { flex: none; width: 18px; height: 18px; margin-top: 2px; accent-color: var(--blue); }
.form-legal { text-align: center; font-size: 13px; margin-top: 16px; color: var(--gray); }
.form-legal a { color: var(--blue); font-weight: 600; }
.form-success { display: none; text-align: center; padding: 24px 0; }
.form-success h3 { margin-bottom: 8px; }

/* Cards */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.cards.four { grid-template-columns: repeat(4, 1fr); }
.card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
}
.on-dark .card { background: var(--navy-soft); box-shadow: none; }
.card h3 { margin: 16px 0 8px; }
.card p { color: var(--gray); font-size: 16px; }
.on-dark .card p { color: rgba(255,255,255,0.75); }
.icon {
  width: 48px; height: 48px; border-radius: 10px;
  background: rgba(27, 108, 168, 0.1);
  display: grid; place-items: center;
}
.on-dark .icon { background: rgba(27, 108, 168, 0.25); }
.icon svg { width: 24px; height: 24px; stroke: var(--blue); fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.on-dark .icon svg { stroke: #6FB1E4; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(5, 1fr); gap: 20px; list-style: none; counter-reset: step; }
.steps li { background: var(--navy-soft); border-radius: var(--radius); padding: 24px; }
.steps li::before {
  counter-increment: step;
  content: counter(step, decimal-leading-zero);
  display: block;
  font-weight: 800;
  font-size: 28px;
  color: #6FB1E4;
  margin-bottom: 10px;
}
.steps h3 { font-size: 19px; margin-bottom: 6px; }
.steps p { font-size: 15px; }

/* Included checklist */
.included { display: grid; grid-template-columns: 1fr 1fr; gap: 16px 40px; list-style: none; }
.included li { display: flex; gap: 12px; align-items: flex-start; font-weight: 500; }
.included .check { background: rgba(27, 108, 168, 0.12); }
.included .check svg { stroke: var(--blue); }

/* Comparison table */
.table-wrap { overflow-x: auto; border-radius: var(--radius); box-shadow: var(--shadow); }
table { width: 100%; border-collapse: collapse; background: var(--white); min-width: 640px; }
th, td { text-align: left; padding: 16px 20px; border-bottom: 1px solid #E8EBEF; font-size: 15px; vertical-align: top; }
thead th { background: var(--offwhite); font-size: 14px; text-transform: uppercase; letter-spacing: 0.05em; }
thead th.us { background: var(--navy); color: var(--white); }
td.us { background: rgba(27, 108, 168, 0.06); font-weight: 600; color: var(--navy); }
tbody tr:last-child td { border-bottom: 0; }
tbody th { font-weight: 600; }

/* FAQ */
.faq details { border-bottom: 1px solid #E3E6EA; padding: 20px 0; }
.faq summary { font-weight: 600; font-size: 18px; cursor: pointer; list-style: none; display: flex; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--blue); font-size: 22px; line-height: 1; }
.faq details[open] summary::after { content: "–"; }
.faq details p { margin-top: 12px; color: #4B5563; }

/* CTA band */
.cta-band { text-align: center; }
.cta-band p { max-width: 560px; margin: 16px auto 32px; }

/* Footer */
.site-footer { background: var(--navy); color: rgba(255, 255, 255, 0.75); padding: 56px 0 32px; font-size: 15px; border-top: 1px solid rgba(255,255,255,0.08); }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 40px; margin-bottom: 40px; }
.site-footer h4 { color: var(--white); font-size: 14px; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 14px; }
.site-footer ul { list-style: none; display: grid; gap: 8px; }
.site-footer a { color: rgba(255, 255, 255, 0.85); text-decoration: none; }
.site-footer a:hover { color: var(--white); text-decoration: underline; }
.site-footer .legal-links a { font-weight: 700; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 24px; font-size: 13px; display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
.site-footer .brand { margin-bottom: 14px; }

/* Legal pages */
.legal-hero { padding: 64px 0 48px; }
.legal-hero p { margin-top: 10px; }
.legal { padding: 56px 0 88px; }
.legal h2 { font-size: 24px; margin: 40px 0 12px; }
.legal h3 { font-size: 18px; margin: 24px 0 8px; }
.legal p, .legal li { color: #374151; margin-bottom: 12px; }
.legal ul { padding-left: 22px; margin-bottom: 12px; }
.legal .callout {
  background: var(--offwhite);
  border-left: 4px solid var(--blue);
  border-radius: 8px;
  padding: 18px 20px;
  margin: 16px 0;
}
.legal .callout p:last-child { margin-bottom: 0; }

/* Responsive */
@media (max-width: 960px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .cards, .cards.four { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  body { font-size: 16px; }
  section { padding: 64px 0; }
  .container { padding: 0 16px; }
  .nav-links li.hide-sm { display: none; }
  .nav-links { gap: 14px; }
  .brand-name small { display: none; }
  .cards, .cards.four, .included, .field-row { grid-template-columns: 1fr; }
  .form-card { padding: 24px 20px; }
  .footer-grid { grid-template-columns: 1fr; }
}