:root {
  --navy: #08224a;
  --blue: #1557a6;
  --sky: #eaf6ff;
  --cream: #fff8e8;
  --gold: #f5b642;
  --orange: #f47c35;
  --ink: #172033;
  --muted: #647084;
  --line: #dfe7f2;
  --white: #ffffff;
  --shadow: 0 20px 55px rgba(8, 34, 74, 0.14);
  --radius: 18px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--ink);
  background: #fff;
  line-height: 1.65;
}

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
a:hover { color: var(--orange); }
p { margin: 0 0 18px; }
ul { margin-top: 0; }

.container { width: min(1180px, calc(100% - 32px)); margin: 0 auto; }
.topbar { background: var(--navy); color: #dbeafe; font-size: 14px; }
.topbar .container { display: flex; justify-content: space-between; gap: 16px; padding: 9px 0; flex-wrap: wrap; }
.topbar a { color: #fff; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(8,34,74,0.08);
}
.nav-wrap { display: flex; align-items: center; justify-content: space-between; gap: 22px; padding: 14px 0; }
.brand { display: flex; align-items: center; gap: 14px; min-width: 250px; }
.brand img { width: 170px; height: auto; }
.brand-mark {
  display: none;
  width: 46px;
  height: 46px;
  border-radius: 14px;
  background: linear-gradient(135deg, var(--blue), var(--navy));
  color: #fff;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  letter-spacing: 0;
}

.nav-toggle {
  display: none;
  border: 0;
  background: var(--navy);
  color: #fff;
  min-width: 44px;
  min-height: 44px;
  border-radius: 12px;
  cursor: pointer;
}
.nav-toggle span { display: block; width: 22px; height: 2px; background: #fff; margin: 5px auto; }

.nav { display: flex; align-items: center; gap: 2px; flex-wrap: wrap; justify-content: flex-end; }
.nav a {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  padding: 10px 11px;
  font-size: 14px;
  font-weight: 700;
  color: var(--navy);
  border-radius: 12px;
}
.nav a.active, .nav a:hover { background: var(--sky); color: var(--blue); }
.nav a.disclosure { background: var(--gold); color: var(--navy); }
.nav a.disclosure:hover { background: var(--orange); color: #fff; }

.hero {
  position: relative;
  overflow: hidden;
  background: radial-gradient(circle at 85% 15%, rgba(245,182,66,0.28), transparent 28%), linear-gradient(135deg, var(--navy), #0f3c78 55%, #176bbf);
  color: #fff;
}
.hero:before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: linear-gradient(90deg, rgba(255,255,255,0.07) 1px, transparent 1px), linear-gradient(rgba(255,255,255,0.06) 1px, transparent 1px);
  background-size: 44px 44px;
  opacity: 0.45;
}
.hero .container { position: relative; z-index: 1; display: grid; grid-template-columns: 1.03fr 0.97fr; gap: 42px; align-items: center; padding: 72px 0 54px; }
.eyebrow { display: inline-flex; gap: 8px; align-items: center; font-weight: 800; color: var(--gold); text-transform: uppercase; letter-spacing: 0.08em; font-size: 13px; }
.eyebrow:before { content: ""; width: 28px; height: 3px; border-radius: 999px; background: var(--gold); }
h1, .h1 { margin: 14px 0 20px; font-size: clamp(42px, 6vw, 76px); line-height: 1.04; letter-spacing: 0; }
h2 { margin: 0 0 18px; font-size: clamp(30px, 4vw, 48px); line-height: 1.12; letter-spacing: 0; color: var(--navy); }
h3 { margin: 0 0 10px; font-size: 22px; line-height: 1.25; color: var(--navy); }
.lead { font-size: 19px; color: rgba(255,255,255,0.86); max-width: 680px; }
.hero-actions, .actions { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 28px; }
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 12px 20px;
  border-radius: 999px;
  border: 1px solid transparent;
  font-weight: 800;
  cursor: pointer;
  transition: 180ms ease;
}
.btn.primary { background: var(--gold); color: var(--navy); box-shadow: 0 12px 28px rgba(245,182,66,0.25); }
.btn.primary:hover { background: var(--orange); color: #fff; }
.btn.secondary { border-color: rgba(255,255,255,0.45); color: #fff; }
.btn.secondary:hover { background: #fff; color: var(--navy); }
.btn.dark { background: var(--navy); color: #fff; }
.btn.dark:hover { background: var(--blue); color: #fff; }

.hero-card { position: relative; }
.hero-card img {
  width: 100%;
  aspect-ratio: 4 / 3;
  object-fit: cover;
  border-radius: 28px;
  box-shadow: var(--shadow);
  border: 8px solid rgba(255,255,255,0.2);
}
.step-badge {
  position: absolute;
  left: -20px;
  bottom: 28px;
  max-width: 260px;
  background: #fff;
  color: var(--navy);
  border-radius: 18px;
  padding: 18px;
  box-shadow: var(--shadow);
}
.step-badge strong { display: block; font-size: 20px; }
.path-steps { display: flex; gap: 8px; margin-top: 12px; }
.path-steps i { width: 28px; height: 10px; background: var(--gold); border-radius: 999px; display: block; }
.path-steps i:nth-child(2) { background: var(--orange); transform: translateY(-5px); }
.path-steps i:nth-child(3) { background: var(--blue); transform: translateY(-10px); }

.section { padding: 78px 0; }
.section.soft { background: var(--sky); }
.section.cream { background: var(--cream); }
.section-head { max-width: 780px; margin-bottom: 34px; }
.section-head.center { text-align: center; margin-left: auto; margin-right: auto; }
.section-head p { color: var(--muted); font-size: 18px; }

.grid { display: grid; gap: 22px; }
.grid.two { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid.three { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid.four { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 24px;
  box-shadow: 0 12px 30px rgba(8,34,74,0.06);
}
.card p, .muted { color: var(--muted); }
.icon {
  width: 48px;
  height: 48px;
  border-radius: 14px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, var(--gold), var(--orange));
  color: var(--navy);
  margin-bottom: 16px;
}
.icon svg { width: 24px; height: 24px; }

.trust-strip {
  margin-top: -28px;
  position: relative;
  z-index: 2;
}
.trust-strip .grid {
  background: #fff;
  border-radius: 20px;
  box-shadow: var(--shadow);
  padding: 18px;
  border: 1px solid var(--line);
}
.trust-item { padding: 16px; border-right: 1px solid var(--line); }
.trust-item:last-child { border-right: 0; }
.trust-item strong { display: block; color: var(--navy); font-size: 18px; }
.trust-item span { color: var(--muted); }

.split { display: grid; grid-template-columns: 0.95fr 1.05fr; gap: 42px; align-items: center; }
.image-stack { position: relative; min-height: 430px; }
.image-stack img { position: absolute; object-fit: cover; border-radius: 22px; box-shadow: var(--shadow); }
.image-stack img:first-child { width: 78%; height: 330px; left: 0; top: 0; }
.image-stack img:last-child { width: 58%; height: 250px; right: 0; bottom: 0; border: 8px solid #fff; }

.feature-list { display: grid; gap: 14px; margin-top: 18px; }
.feature-list li {
  list-style: none;
  padding-left: 34px;
  position: relative;
  color: var(--muted);
}
.feature-list li:before {
  content: "";
  position: absolute;
  left: 0;
  top: 8px;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--gold);
  box-shadow: inset 0 0 0 5px #fff, 0 0 0 1px var(--gold);
}

.page-hero {
  background: linear-gradient(135deg, var(--navy), var(--blue));
  color: #fff;
  padding: 64px 0;
  position: relative;
  overflow: hidden;
}
.page-hero:after {
  content: "";
  position: absolute;
  right: -90px;
  top: -90px;
  width: 300px;
  height: 300px;
  border-radius: 50%;
  border: 38px solid rgba(245,182,66,0.22);
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero h1 { max-width: 860px; }
.breadcrumbs { display: flex; flex-wrap: wrap; gap: 10px; color: #dbeafe; font-size: 14px; }
.breadcrumbs a { color: #fff; font-weight: 700; }

.masonry { columns: 3 280px; column-gap: 18px; }
.masonry a { break-inside: avoid; display: block; margin: 0 0 18px; border-radius: 18px; overflow: hidden; border: 1px solid var(--line); box-shadow: 0 10px 25px rgba(8,34,74,0.08); }
.masonry img { width: 100%; object-fit: cover; }

.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: 16px; background: #fff; box-shadow: 0 12px 30px rgba(8,34,74,0.06); }
table { width: 100%; border-collapse: collapse; min-width: 720px; }
th, td { padding: 16px 18px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
th { width: 34%; background: #f6f9fe; color: var(--navy); }
td { color: var(--muted); }
.doc-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; }
.doc-card { padding: 20px; border: 1px solid var(--line); border-radius: 16px; background: #fff; display: flex; flex-direction: column; gap: 12px; min-height: 150px; }
.doc-card a { color: var(--blue); font-weight: 800; }

.notice {
  padding: 18px 20px;
  border-radius: 16px;
  border: 1px solid rgba(245,182,66,0.4);
  background: #fff9e9;
  color: #67480a;
}

.cta {
  background: linear-gradient(135deg, var(--navy), var(--blue));
  color: #fff;
  border-radius: 28px;
  padding: 42px;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 24px;
  align-items: center;
  box-shadow: var(--shadow);
}
.cta h2 { color: #fff; }
.cta p { color: rgba(255,255,255,0.82); margin-bottom: 0; }

.faq details {
  border: 1px solid var(--line);
  background: #fff;
  border-radius: 16px;
  padding: 18px 20px;
  margin-bottom: 14px;
}
.faq summary { cursor: pointer; font-weight: 800; color: var(--navy); }
.faq p { margin-top: 14px; color: var(--muted); }

.footer {
  background: #061934;
  color: #c9d7eb;
  padding: 56px 0 18px;
}
.footer h3 { color: #fff; }
.footer-grid { display: grid; grid-template-columns: 1.3fr 0.8fr 1fr; gap: 34px; }
.footer a { color: #fff; }
.footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.footer-bottom { margin-top: 36px; border-top: 1px solid rgba(255,255,255,0.12); padding-top: 18px; color: #9fb0cc; font-size: 14px; text-align: center; }
.footer-bottom .copyright {
  display: inline-flex;
  justify-content: center;
  align-items: center;
  flex-wrap: wrap;
  gap: 4px 7px;
}
.footer-bottom .copyright a {
  color: #fff;
  font-weight: 700;
}

.skip-link { position: absolute; left: -999px; top: 8px; background: #fff; color: var(--navy); padding: 10px 14px; z-index: 100; }
.skip-link:focus { left: 8px; }

@media (prefers-reduced-motion: reduce) {
  *, *:before, *:after { scroll-behavior: auto !important; transition: none !important; }
}

@media (max-width: 980px) {
  .hero .container, .split, .cta { grid-template-columns: 1fr; }
  .grid.four, .grid.three { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .doc-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .nav-toggle { display: block; }
  .nav {
    display: none;
    position: absolute;
    left: 16px;
    right: 16px;
    top: 82px;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 18px;
    padding: 12px;
    box-shadow: var(--shadow);
  }
  .nav.open { display: grid; }
  .nav a { width: 100%; }
}

@media (max-width: 640px) {
  .container { width: min(100% - 24px, 1180px); }
  .brand img { display: none; }
  .brand-mark { display: inline-flex; }
  .brand { min-width: 0; }
  .topbar .container { display: grid; gap: 6px; }
  .hero .container { padding: 52px 0 40px; }
  h1, .h1 { font-size: 40px; }
  h2 { font-size: 30px; }
  .grid.two, .grid.three, .grid.four, .doc-grid, .footer-grid { grid-template-columns: 1fr; }
  .trust-item { border-right: 0; border-bottom: 1px solid var(--line); }
  .trust-item:last-child { border-bottom: 0; }
  .image-stack { min-height: auto; display: grid; gap: 16px; }
  .image-stack img { position: static; width: 100% !important; height: auto !important; aspect-ratio: 4 / 3; }
  .step-badge { position: static; margin-top: 14px; max-width: none; }
  .section { padding: 56px 0; }
  .cta { padding: 28px; border-radius: 20px; }
  table { min-width: 620px; }
}