:root {
  --navy: #0a1e3c;
  --navy-2: #12294e;
  --ink: #1d2b3f;
  --muted: #5a6b81;
  --accent: #1f6fe0;
  --accent-dark: #1857b3;
  --bg: #ffffff;
  --bg-soft: #f4f7fb;
  --line: #e3e9f1;
  --radius: 10px;
}
* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  font-size: 17px;
}
.container { max-width: 1080px; margin: 0 auto; padding: 0 24px; }
a { color: var(--accent); text-decoration: none; }
a:hover { text-decoration: underline; }
h1, h2, h3 { color: var(--navy); line-height: 1.2; font-weight: 700; }
h1 { font-size: 2.6rem; letter-spacing: -0.02em; }
h2 { font-size: 1.9rem; letter-spacing: -0.01em; margin-bottom: 0.75rem; }
h3 { font-size: 1.15rem; margin-bottom: 0.4rem; }
p { margin-bottom: 1rem; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}
.nav-row { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 14px 24px; flex-wrap: wrap; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.brand:hover { text-decoration: none; }
.brand-mark {
  display: inline-flex; align-items: center; justify-content: center;
  width: 36px; height: 36px; border-radius: 8px;
  background: var(--navy); color: #fff; font-weight: 800; font-size: 1.15rem;
}
.brand-name { color: var(--navy); font-weight: 800; letter-spacing: 0.01em; font-size: 1.1rem; }
.brand-name span { font-weight: 500; color: var(--muted); }
.site-nav { display: flex; align-items: center; gap: 26px; flex-wrap: wrap; }
.site-nav a { color: var(--ink); font-weight: 500; font-size: 0.98rem; }
.site-nav a:hover { color: var(--accent); text-decoration: none; }

/* Buttons */
.btn {
  display: inline-block; background: var(--accent); color: #fff !important;
  padding: 12px 26px; border-radius: 8px; font-weight: 600; font-size: 1rem;
}
.btn:hover { background: var(--accent-dark); text-decoration: none; }
.btn-nav { padding: 9px 20px; font-size: 0.95rem; }
.btn-ghost { background: transparent; color: #fff !important; border: 1.5px solid rgba(255,255,255,0.5); }
.btn-ghost:hover { background: rgba(255,255,255,0.1); }

/* Hero */
.hero {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 55%, #16345f 100%);
  color: #dbe6f5; padding: 96px 0 104px;
}
.hero h1 { color: #fff; max-width: 720px; margin-bottom: 1.2rem; }
.hero p.lede { font-size: 1.25rem; max-width: 640px; margin-bottom: 2rem; color: #b9c9e0; }
.hero .btn-row { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-kicker { text-transform: uppercase; letter-spacing: 0.12em; font-size: 0.8rem; font-weight: 700; color: #7fa5da; margin-bottom: 1rem; }

/* Page hero (interior) */
.page-hero { background: var(--navy); color: #c7d5ea; padding: 64px 0; }
.page-hero h1 { color: #fff; font-size: 2.2rem; }
.page-hero p { max-width: 700px; margin: 0.75rem 0 0; font-size: 1.1rem; }

/* Sections */
section { padding: 72px 0; }
section.soft { background: var(--bg-soft); }
.section-kicker { text-transform: uppercase; letter-spacing: 0.12em; font-size: 0.78rem; font-weight: 700; color: var(--accent); margin-bottom: 0.5rem; }
.section-intro { max-width: 720px; color: var(--muted); font-size: 1.08rem; margin-bottom: 2.5rem; }

/* Cards */
.grid { display: grid; gap: 22px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 26px;
}
.card p { color: var(--muted); font-size: 0.97rem; margin-bottom: 0; }
.card .icon { font-size: 1.6rem; margin-bottom: 12px; display: block; }
.card ul { margin: 10px 0 0 18px; color: var(--muted); font-size: 0.95rem; }
.card ul li { margin-bottom: 5px; }

/* Steps */
.step-num {
  display: inline-flex; width: 34px; height: 34px; border-radius: 50%;
  background: var(--accent); color: #fff; align-items: center; justify-content: center;
  font-weight: 700; margin-bottom: 12px;
}

/* Trust band */
.band { background: var(--bg-soft); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); padding: 34px 0; }
.band .container { display: flex; justify-content: space-between; gap: 18px; flex-wrap: wrap; }
.band .item { font-weight: 600; color: var(--navy); font-size: 0.98rem; }
.band .item span { color: var(--accent); margin-right: 8px; }

/* CTA band */
.cta-band { background: var(--navy); color: #c7d5ea; text-align: center; padding: 72px 0; }
.cta-band h2 { color: #fff; }
.cta-band p { max-width: 560px; margin: 0 auto 1.6rem; }

/* Prose / legal pages */
.prose { max-width: 780px; }
.prose h2 { font-size: 1.4rem; margin-top: 2.2rem; }
.prose h3 { font-size: 1.1rem; margin-top: 1.4rem; }
.prose ul, .prose ol { margin: 0 0 1rem 22px; }
.prose li { margin-bottom: 6px; }
.prose .updated { color: var(--muted); font-size: 0.92rem; }
.notice {
  background: var(--bg-soft); border: 1px solid var(--line); border-left: 4px solid var(--accent);
  border-radius: 6px; padding: 16px 20px; margin: 1.4rem 0; font-size: 0.97rem;
}

/* Contact */
.contact-cards { margin-top: 1rem; }
.contact-cards .card a { font-weight: 600; word-break: break-all; }
.contact-cards .card .purpose { color: var(--muted); font-size: 0.93rem; margin-top: 4px; }

/* Footer */
.site-footer { background: var(--navy); color: #a9bbd6; padding: 56px 0 28px; font-size: 0.95rem; }
.site-footer a { color: #cddcf2; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1.4fr; gap: 36px; padding-bottom: 34px; }
.footer-brand { color: #fff; font-weight: 800; font-size: 1.1rem; margin-bottom: 0.6rem; }
.footer-brand span { font-weight: 500; color: #8fa6c8; }
.footer-head { color: #fff; font-weight: 700; margin-bottom: 0.7rem; }
.site-footer ul { list-style: none; }
.site-footer li { margin-bottom: 8px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.12); padding-top: 22px; font-size: 0.85rem; color: #7e91b0; }
.footer-bottom p { margin-bottom: 6px; }

@media (max-width: 860px) {
  h1 { font-size: 2rem; }
  .hero { padding: 64px 0 72px; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 24px; }
  section { padding: 52px 0; }
}