:root {
  --ink: #101b2d;
  --muted: #5c6879;
  --line: #dce3ea;
  --paper: #f7f9fc;
  --white: #ffffff;
  --navy: #092c4c;
  --blue: #0e6c8a;
  --aqua: #2fc6b6;
  --gold: #f1b84b;
  --shadow: 0 20px 55px rgba(9, 44, 76, .12);
  --radius: 22px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.65;
}
a { color: inherit; }
img, svg { display: block; max-width: 100%; }
button, input, textarea { font: inherit; }
.skip-link { position: absolute; left: -999px; top: 8px; z-index: 100; padding: 10px 16px; background: #fff; }
.skip-link:focus { left: 8px; }
.container { width: min(1160px, calc(100% - 40px)); margin-inline: auto; }

.site-header { position: sticky; top: 0; z-index: 50; background: rgba(247,249,252,.94); border-bottom: 1px solid rgba(220,227,234,.8); backdrop-filter: blur(14px); }
.nav-wrap { min-height: 78px; display: flex; align-items: center; justify-content: space-between; gap: 28px; }
.brand { display: flex; align-items: center; gap: 11px; text-decoration: none; font-weight: 820; letter-spacing: -.035em; }
.brand-mark { width: 38px; height: 38px; border-radius: 13px; display: grid; place-items: center; color: #fff; background: linear-gradient(145deg, var(--blue), var(--aqua)); box-shadow: 0 8px 20px rgba(14,108,138,.22); }
.brand-mark svg { width: 22px; }
.brand span:last-child { white-space: nowrap; }
.nav-links { display: flex; align-items: center; gap: 24px; }
.nav-links a { color: #354156; text-decoration: none; font-size: .94rem; font-weight: 660; }
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--blue); }
.nav-cta { padding: 10px 16px; border: 1px solid var(--line); border-radius: 999px; background: #fff; }
.menu-button { display: none; border: 0; background: transparent; padding: 9px; color: var(--ink); }
.menu-button svg { width: 26px; }

.hero { position: relative; overflow: hidden; color: #fff; background: var(--navy); }
.hero::before { content: ""; position: absolute; width: 480px; height: 480px; right: -170px; top: -220px; border-radius: 50%; background: radial-gradient(circle, rgba(47,198,182,.4), transparent 66%); }
.hero::after { content: ""; position: absolute; inset: 0; opacity: .16; background-image: linear-gradient(rgba(255,255,255,.17) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.17) 1px, transparent 1px); background-size: 46px 46px; mask-image: linear-gradient(to right, #000, transparent 70%); }
.hero-grid { position: relative; z-index: 1; min-height: 610px; display: grid; grid-template-columns: 1.2fr .8fr; align-items: center; gap: 70px; padding-block: 90px; }
.eyebrow { display: inline-flex; align-items: center; gap: 9px; margin: 0 0 18px; color: #9de9df; font-size: .82rem; font-weight: 800; letter-spacing: .11em; text-transform: uppercase; }
.eyebrow::before { content: ""; width: 28px; height: 2px; background: currentColor; }
h1, h2, h3 { margin: 0; line-height: 1.13; letter-spacing: -.035em; }
h1 { max-width: 760px; font-size: clamp(2.65rem, 6vw, 5.15rem); }
.hero-copy > p:not(.eyebrow) { max-width: 670px; margin: 24px 0 32px; color: #cad8e6; font-size: 1.18rem; }
.button-row { display: flex; flex-wrap: wrap; gap: 13px; }
.button { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: 48px; padding: 11px 19px; border-radius: 12px; font-weight: 760; text-decoration: none; }
.button-primary { color: #062b37; background: var(--aqua); }
.button-secondary { color: #fff; border: 1px solid rgba(255,255,255,.28); background: rgba(255,255,255,.07); }
.trust-panel { padding: 28px; border: 1px solid rgba(255,255,255,.16); border-radius: 28px; background: rgba(255,255,255,.08); box-shadow: 0 28px 65px rgba(0,0,0,.16); backdrop-filter: blur(12px); }
.trust-panel h2 { font-size: 1.4rem; }
.check-list { display: grid; gap: 17px; margin: 25px 0 0; padding: 0; list-style: none; }
.check-list li { display: grid; grid-template-columns: 34px 1fr; gap: 12px; color: #dce8f1; }
.check { width: 30px; height: 30px; display: grid; place-items: center; border-radius: 50%; color: var(--navy); background: var(--aqua); font-weight: 900; }

.section { padding-block: 90px; }
.section-white { background: #fff; }
.section-head { display: flex; justify-content: space-between; gap: 50px; align-items: end; margin-bottom: 38px; }
.section-head > div { max-width: 720px; }
.section-head h2 { font-size: clamp(2rem, 4vw, 3.35rem); }
.section-head p { max-width: 480px; margin: 0; color: var(--muted); }
.kicker { margin: 0 0 12px; color: var(--blue); font-size: .82rem; font-weight: 820; letter-spacing: .1em; text-transform: uppercase; }
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.card { padding: 28px; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; box-shadow: 0 8px 25px rgba(9,44,76,.05); }
.card-number { display: inline-grid; width: 42px; height: 42px; place-items: center; margin-bottom: 40px; border-radius: 12px; color: var(--blue); background: #eaf7f7; font-weight: 850; }
.card h3 { font-size: 1.28rem; }
.card p { margin: 12px 0 0; color: var(--muted); }
.card a { display: inline-block; margin-top: 18px; color: var(--blue); font-weight: 750; text-decoration: none; }
.warning-card { border-color: #f2d8a5; background: #fffaf0; }
.warning-card .card-number { color: #7a5200; background: #ffe7b2; }

.split { display: grid; grid-template-columns: .9fr 1.1fr; gap: 75px; align-items: start; }
.sticky-title { position: sticky; top: 112px; }
.sticky-title h2 { font-size: clamp(2rem, 4vw, 3.2rem); }
.sticky-title p { color: var(--muted); }
.steps { display: grid; gap: 14px; }
.step { display: grid; grid-template-columns: 56px 1fr; gap: 18px; padding: 24px; border-radius: 18px; background: #fff; border: 1px solid var(--line); }
.step strong:first-child { color: var(--blue); font-size: 1.1rem; }
.step h3 { margin-bottom: 5px; font-size: 1.14rem; }
.step p { margin: 0; color: var(--muted); }

.fact-strip { color: #fff; background: linear-gradient(120deg, #0e6c8a, #0a4a67); }
.facts { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: rgba(255,255,255,.15); }
.fact { padding: 35px; background: rgba(4,37,59,.25); }
.fact strong { display: block; margin-bottom: 4px; font-size: 1.25rem; }
.fact span { color: #cfe6ed; }

.faq { display: grid; gap: 12px; max-width: 900px; margin-inline: auto; }
.faq details { padding: 0 22px; border: 1px solid var(--line); border-radius: 15px; background: #fff; }
.faq summary { cursor: pointer; padding: 20px 34px 20px 0; font-weight: 760; }
.faq details p { margin: -4px 0 20px; color: var(--muted); }

.page-hero { padding-block: 75px 65px; color: #fff; background: var(--navy); }
.page-hero h1 { font-size: clamp(2.5rem, 5vw, 4.4rem); }
.page-hero p { max-width: 700px; margin: 18px 0 0; color: #c9d9e7; font-size: 1.12rem; }
.legal-layout { display: grid; grid-template-columns: 260px minmax(0, 760px); justify-content: center; gap: 70px; }
.legal-nav { position: sticky; top: 110px; align-self: start; display: grid; gap: 8px; padding: 20px; border: 1px solid var(--line); border-radius: 16px; background: #fff; }
.legal-nav a { color: var(--muted); text-decoration: none; font-weight: 650; }
.legal-nav a:hover { color: var(--blue); }
.prose h2 { margin: 42px 0 13px; font-size: 1.65rem; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin: 27px 0 10px; font-size: 1.2rem; }
.prose p, .prose li { color: #425064; }
.prose ul { padding-left: 22px; }
.notice { padding: 18px 20px; border-left: 4px solid var(--aqua); border-radius: 8px; background: #eefaf8; }
.updated { color: var(--muted); font-size: .9rem; }

.contact-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.contact-card { min-height: 215px; padding: 28px; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; }
.contact-card small { color: var(--blue); font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.contact-card h2 { margin: 35px 0 10px; font-size: 1.25rem; }
.contact-card p, .contact-card address { margin: 0; color: var(--muted); font-style: normal; }
.contact-card a { color: var(--ink); font-weight: 700; text-decoration: none; overflow-wrap: anywhere; }

.site-footer { padding-block: 56px 28px; color: #c8d5e2; background: #071f36; }
.footer-grid { display: grid; grid-template-columns: 1.2fr .8fr .8fr; gap: 55px; }
.footer-grid h2 { color: #fff; font-size: 1.12rem; }
.footer-grid p { max-width: 470px; }
.footer-links { display: grid; gap: 8px; margin-top: 15px; }
.footer-links a { color: #c8d5e2; text-decoration: none; }
.footer-links a:hover { color: #fff; }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; margin-top: 45px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.12); color: #93a7ba; font-size: .9rem; }

@media (max-width: 900px) {
  .menu-button { display: block; }
  .nav-links { position: absolute; left: 20px; right: 20px; top: 70px; display: none; align-items: stretch; flex-direction: column; gap: 4px; padding: 14px; border: 1px solid var(--line); border-radius: 16px; background: #fff; box-shadow: var(--shadow); }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 10px 12px; }
  .hero-grid, .split { grid-template-columns: 1fr; }
  .hero-grid { gap: 45px; padding-block: 72px; }
  .section-head { align-items: start; flex-direction: column; gap: 14px; }
  .card-grid, .contact-grid { grid-template-columns: 1fr 1fr; }
  .sticky-title { position: static; }
  .legal-layout { grid-template-columns: 1fr; gap: 35px; }
  .legal-nav { position: static; grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid > :first-child { grid-column: 1 / -1; }
}

@media (max-width: 620px) {
  .container { width: min(100% - 28px, 1160px); }
  .brand span:last-child { max-width: 185px; white-space: normal; line-height: 1.1; }
  .hero-grid { min-height: auto; }
  .section { padding-block: 68px; }
  .card-grid, .contact-grid, .facts, .footer-grid { grid-template-columns: 1fr; }
  .footer-grid > :first-child { grid-column: auto; }
  .fact { padding: 27px; }
  .legal-nav { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; }
}

@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }