:root {
    --navy: #1f4e79;
    --navy-deep: #163a5b;
    --charcoal: #2c2c2c;
    --copper: #b87333;
    --copper-hover: #9a5f28;
    --offwhite: #f7f9fc;
    --ink: #1c1c1c;
    --muted: #5b6168;
    --line: #d5dbe3;
    --header: #ffffff;
    --white: #ffffff;
    --danger: #8b2e2e;
    --ok: #1d5c3a;
    --max: 1120px;
    --header-h: 5.25rem;
}

*,
*::before,
*::after {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    margin: 0;
    font-family: Montserrat, "Segoe UI", sans-serif;
    font-size: 1.05rem;
    line-height: 1.65;
    color: var(--ink);
    background: var(--offwhite);
}

img {
    max-width: 100%;
    height: auto;
}

a {
    color: var(--navy);
}

a:hover {
    color: var(--copper);
}

.skip-link {
    position: absolute;
    left: 0.75rem;
    top: -3rem;
    background: var(--copper);
    color: var(--white);
    padding: 0.5rem 0.85rem;
    z-index: 100;
}

.skip-link:focus {
    top: 0.75rem;
}

.visually-hidden {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}

.wrap {
    width: min(var(--max), calc(100% - 2rem));
    margin-inline: auto;
}

.site-header {
    background: var(--header);
    position: sticky;
    top: 0;
    z-index: 40;
    border-bottom: 1px solid var(--line);
}

.header-inner {
    min-height: var(--header-h);
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1.5rem;
}

.brand img {
    display: block;
    width: 13.5rem;
}

.site-nav {
    display: flex;
    align-items: center;
    gap: 1.15rem;
}

.site-nav a {
    color: var(--navy);
    text-decoration: none;
    font-size: 0.86rem;
    font-weight: 500;
    letter-spacing: 0.03em;
}

.site-nav a:hover,
.site-nav a[aria-current="page"] {
    color: var(--copper);
}

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 0.85rem 1.25rem;
    border: 1px solid transparent;
    text-decoration: none;
    font-weight: 600;
    letter-spacing: 0.03em;
    font-size: 0.92rem;
    cursor: pointer;
    background: none;
    font-family: inherit;
}

.btn-copper {
    background: var(--copper);
    color: var(--white);
}

.btn-copper:hover {
    background: var(--copper-hover);
    color: var(--white);
}

.btn-ghost {
    border-color: rgba(255, 255, 255, 0.45);
    color: var(--white);
}

.btn-ghost:hover {
    border-color: var(--copper);
    color: var(--copper);
}

.btn-navy {
    background: var(--navy);
    color: var(--white);
}

.btn-navy:hover {
    background: var(--navy-deep);
    color: var(--white);
}

.btn-nav {
    padding: 0.65rem 0.95rem;
    margin-left: 0.35rem;
}

.nav-toggle {
    display: none;
    background: none;
    border: 1px solid var(--line);
    width: 2.6rem;
    height: 2.6rem;
    padding: 0;
    cursor: pointer;
}

.nav-toggle-bars,
.nav-toggle-bars::before,
.nav-toggle-bars::after {
    display: block;
    width: 1.15rem;
    height: 2px;
    background: var(--navy);
    position: relative;
    margin-inline: auto;
}

.nav-toggle-bars::before,
.nav-toggle-bars::after {
    content: "";
    position: absolute;
    left: 0;
}

.nav-toggle-bars::before {
    top: -6px;
}

.nav-toggle-bars::after {
    top: 6px;
}

.hero {
    background:
        linear-gradient(180deg, rgba(11, 13, 16, 0.2), rgba(11, 13, 16, 0.55)),
        linear-gradient(115deg, #0b0d10 0%, #122033 48%, #1f4e79 100%);
    color: var(--white);
    padding: 5.5rem 0 4.75rem;
}

.eyebrow {
    color: var(--copper);
    font-size: 0.78rem;
    font-weight: 600;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    margin: 0 0 0.9rem;
}

.hero h1,
.page-hero h1 {
    font-size: clamp(2rem, 4.6vw, 3.5rem);
    line-height: 1.15;
    letter-spacing: -0.02em;
    margin: 0 0 1.1rem;
    max-width: 16ch;
}

.hero .lede,
.page-hero .lede {
    max-width: 42rem;
    font-size: 1.12rem;
    color: #d7dee6;
    margin: 0 0 1.8rem;
}

.hero-actions,
.cta-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 0.85rem;
}

.hero-note {
    margin: 1.4rem 0 0;
    font-size: 0.88rem;
    color: #b8c2cd;
}

.page-hero {
    background: var(--navy);
    color: var(--white);
    padding: 3.4rem 0 2.8rem;
}

.page-hero .lede {
    margin-bottom: 0;
}

.section {
    padding: 4.25rem 0;
}

.section-alt {
    background: var(--white);
}

.section-dark {
    background: var(--charcoal);
    color: var(--white);
}

.section-navy {
    background: var(--navy);
    color: var(--white);
}

.section h2,
.prose h2 {
    font-size: clamp(1.55rem, 2.6vw, 2.1rem);
    line-height: 1.25;
    margin: 0 0 1rem;
}

.section p,
.prose p {
    margin: 0 0 1rem;
}

.kicker {
    color: var(--copper);
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    margin: 0 0 0.65rem;
}

.offer-grid,
.card-grid,
.step-grid,
.cred-grid,
.not-grid {
    display: grid;
    gap: 1.15rem;
}

.offer-grid,
.card-grid {
    grid-template-columns: repeat(3, 1fr);
    margin: 1.6rem 0 1.8rem;
}

.card,
.offer,
.step {
    background: var(--white);
    border: 1px solid var(--line);
    padding: 1.4rem 1.3rem 1.3rem;
}

.section-alt .card,
.section-alt .offer {
    background: var(--offwhite);
}

.offer-num,
.step-num {
    color: var(--copper);
    font-weight: 700;
    letter-spacing: 0.08em;
    font-size: 0.82rem;
    margin-bottom: 0.55rem;
}

.offer h3,
.card h3,
.step h3 {
    margin: 0 0 0.6rem;
    font-size: 1.08rem;
    line-height: 1.35;
}

.not-grid {
    grid-template-columns: repeat(3, 1fr);
    margin-top: 1.5rem;
}

.not-item {
    border-top: 3px solid var(--copper);
    padding-top: 0.9rem;
    font-weight: 600;
}

.step-grid {
    grid-template-columns: repeat(3, 1fr);
    margin: 1.5rem 0;
}

.cred-grid {
    grid-template-columns: repeat(4, 1fr);
    margin-top: 1.5rem;
}

.cred {
    border-left: 3px solid var(--copper);
    padding: 0.15rem 0 0.15rem 0.9rem;
    font-size: 0.98rem;
}

.timeline {
    display: grid;
    gap: 0;
    margin: 1.75rem 0 2rem;
}

.timeline-item {
    display: grid;
    grid-template-columns: 4.5rem 1fr;
    gap: 1rem;
    padding: 1.15rem 0;
    border-bottom: 1px solid var(--line);
}

.timeline-item:first-child {
    border-top: 1px solid var(--line);
}

.timeline-index {
    color: var(--copper);
    font-weight: 700;
    letter-spacing: 0.08em;
}

.timeline h3 {
    margin: 0 0 0.4rem;
    font-size: 1.08rem;
}

.table-wrap {
    overflow-x: auto;
    margin: 1.5rem 0 2rem;
}

table {
    width: 100%;
    border-collapse: collapse;
    background: var(--white);
}

th,
td {
    text-align: left;
    padding: 0.85rem 0.95rem;
    border-bottom: 1px solid var(--line);
    vertical-align: top;
}

th {
    background: var(--navy);
    color: var(--white);
    font-weight: 600;
    font-size: 0.92rem;
}

.cta-band {
    padding: 3.5rem 0;
}

.cta-band p {
    max-width: 40rem;
    color: #d5dde6;
}

.two-col {
    display: grid;
    grid-template-columns: 1.4fr 0.85fr;
    gap: 2.5rem;
    align-items: start;
}

.panel {
    background: var(--white);
    border: 1px solid var(--line);
    padding: 1.5rem;
}

.form-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0.95rem 1rem;
}

.field {
    display: flex;
    flex-direction: column;
    gap: 0.35rem;
}

.field-full {
    grid-column: 1 / -1;
}

label {
    font-size: 0.86rem;
    font-weight: 600;
}

.req {
    color: var(--copper);
}

input,
select,
textarea {
    font: inherit;
    padding: 0.7rem 0.75rem;
    border: 1px solid #c5ccd5;
    background: var(--white);
    color: var(--ink);
    width: 100%;
}

input:focus,
select:focus,
textarea:focus {
    outline: 2px solid var(--navy);
    outline-offset: 1px;
}

textarea {
    min-height: 8.5rem;
    resize: vertical;
}

.form-note {
    font-size: 0.88rem;
    color: var(--muted);
    margin: 0.85rem 0 1.1rem;
}

.alert {
    padding: 0.9rem 1rem;
    margin-bottom: 1.1rem;
    border: 1px solid var(--line);
}

.alert-ok {
    background: #e8f6ee;
    border-color: #b7dcc6;
    color: var(--ok);
}

.alert-err {
    background: #f8ecec;
    border-color: #e2c4c4;
    color: var(--danger);
}

.alert ul {
    margin: 0.35rem 0 0 1.1rem;
    padding: 0;
}

.faq-list {
    display: grid;
    gap: 0.75rem;
    margin-top: 1.5rem;
}

.faq-list details {
    background: var(--white);
    border: 1px solid var(--line);
    padding: 0.85rem 1rem;
}

.faq-list summary {
    font-weight: 600;
    cursor: pointer;
}

.faq-list details p {
    margin: 0.75rem 0 0.25rem;
}

.draft-banner {
    background: #f4e6d4;
    color: #5a3a16;
    border: 1px solid #e2c49a;
    padding: 0.85rem 1rem;
    margin-bottom: 1.5rem;
    font-size: 0.95rem;
}

.prose {
    max-width: 48rem;
}

.prose h2 {
    margin-top: 2rem;
}

.prose h3 {
    margin: 1.4rem 0 0.55rem;
    font-size: 1.05rem;
}

.prose ul {
    margin: 0 0 1rem 1.2rem;
}

.site-footer {
    background: var(--header);
    color: var(--charcoal);
    padding: 2.8rem 0 1.6rem;
    border-top: 1px solid var(--line);
}

.footer-grid {
    display: flex;
    justify-content: space-between;
    gap: 2rem;
    align-items: flex-start;
}

.footer-subtitle {
    color: var(--muted);
    font-size: 0.92rem;
    max-width: 22rem;
}

.footer-nav {
    display: flex;
    flex-wrap: wrap;
    gap: 0.85rem 1.15rem;
    max-width: 28rem;
}

.footer-nav a {
    color: var(--navy);
    text-decoration: none;
    font-size: 0.9rem;
}

.footer-nav a:hover {
    color: var(--copper);
}

.footer-legal {
    margin-top: 2rem;
    padding-top: 1.2rem;
    border-top: 1px solid var(--line);
}

.footer-disclaimer {
    font-size: 0.86rem;
    color: var(--muted);
    max-width: 48rem;
}

.footer-copy {
    font-size: 0.82rem;
    color: var(--muted);
    margin: 0.75rem 0 0;
}

@media (max-width: 900px) {
    .offer-grid,
    .card-grid,
    .step-grid,
    .cred-grid,
    .not-grid,
    .two-col,
    .form-grid {
        grid-template-columns: 1fr;
    }

    .nav-toggle {
        display: inline-flex;
        align-items: center;
        justify-content: center;
    }

    .site-nav {
        display: none;
        position: absolute;
        left: 0;
        right: 0;
        top: 100%;
        background: var(--header);
        flex-direction: column;
        align-items: flex-start;
        padding: 0.75rem 1rem 1.15rem;
        border-bottom: 1px solid var(--line);
    }

    .site-nav.is-open {
        display: flex;
    }

    .btn-nav {
        margin-left: 0;
    }

    .footer-grid {
        flex-direction: column;
    }

    .site-header {
        position: relative;
    }
}

@media (max-width: 600px) {
    .hero {
        padding: 3.4rem 0 3rem;
    }

    .brand img {
        width: 11.25rem;
    }
}