:root{
  --ink:#0f1b2d;
  --ink-2:#33415c;
  --muted:#5b6780;
  --paper:#ffffff;
  --paper-2:#f4f6fa;
  --line:#dde3ec;
  --brand:#0b5fff;
  --brand-ink:#0846bd;
  --accent:#16c2a3;
  --focus:#ffb703;
  --radius:12px;
  --max:1120px;
  --font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;font-family:var(--font);font-size:1.0625rem;line-height:1.65;color:var(--ink);background:var(--paper)}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--brand-ink);text-underline-offset:3px}
a:hover{color:var(--brand)}
:focus-visible{outline:3px solid var(--focus);outline-offset:2px;border-radius:4px}
h1,h2,h3{line-height:1.2;letter-spacing:-.01em;margin:0 0 .6em}
h1{font-size:clamp(2rem,4.5vw,3.25rem);font-weight:800}
h2{font-size:clamp(1.5rem,3vw,2.15rem);font-weight:750}
h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}
.container{width:100%;max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-9999px;top:0;background:var(--ink);color:#fff;padding:10px 16px;z-index:100}
.skip:focus{left:12px;top:12px}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:saturate(1.4) blur(6px)}
.site-header .container{display:flex;align-items:center;justify-content:space-between;min-height:68px;gap:16px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:800;font-size:1.2rem;letter-spacing:-.02em}
.logo img{width:auto;height:40px}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font:inherit;color:var(--ink);cursor:pointer}
.nav ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;align-items:center}
.nav a{display:block;padding:8px 12px;border-radius:8px;text-decoration:none;color:var(--ink-2);font-weight:600;font-size:.98rem}
.nav a:hover,.nav a[aria-current="page"]{color:var(--brand-ink);background:var(--paper-2)}
.nav .btn{margin-left:8px;color:#fff}
.nav .btn:hover{color:#fff;background:var(--brand-ink)}
@media (max-width:860px){
  .nav-toggle{display:inline-block}
  .nav{position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);display:none}
  .nav.open{display:block}
  .nav ul{flex-direction:column;align-items:stretch;padding:8px 20px 16px}
  .nav .btn{margin:8px 0 0;text-align:center}
}

/* Buttons */
.btn{display:inline-block;background:var(--brand);color:#fff;text-decoration:none;font-weight:700;padding:13px 22px;border-radius:10px;border:0;font:inherit;font-weight:700;cursor:pointer;line-height:1.2}
.btn:hover{background:var(--brand-ink);color:#fff}
.btn-ghost{background:transparent;color:var(--brand-ink);box-shadow:inset 0 0 0 2px var(--brand)}
.btn-ghost:hover{background:var(--brand);color:#fff}
.btn-light{background:#fff;color:var(--ink)}
.btn-light:hover{background:var(--paper-2);color:var(--ink)}

/* Sections */
.section{padding:72px 0}
.section-alt{background:var(--paper-2)}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--brand-ink);margin-bottom:12px}
.lede{font-size:1.2rem;color:var(--ink-2);max-width:62ch}
.hero{padding:88px 0 72px;background:linear-gradient(180deg,#eef3ff 0%,#fff 100%);border-bottom:1px solid var(--line)}
.hero .actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
@media (max-width:860px){.hero-grid{grid-template-columns:1fr}.hero-art{display:none}}
.page-hero{padding:56px 0 40px;background:var(--paper-2);border-bottom:1px solid var(--line)}
.breadcrumbs{font-size:.9rem;color:var(--muted);margin-bottom:12px}
.breadcrumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:6px}
.breadcrumbs li+li::before{content:"/";margin-right:6px;color:var(--line)}

.grid{display:grid;gap:20px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
@media (max-width:960px){.grid-4{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.card h3{margin-bottom:.4em}
.card p:last-child{margin-bottom:0}
.icon{width:44px;height:44px;border-radius:10px;background:#e8efff;color:var(--brand-ink);display:grid;place-items:center;margin-bottom:14px}
.icon svg{width:24px;height:24px}

.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
@media (max-width:860px){.split{grid-template-columns:1fr;gap:24px}}

.service{padding:32px 0;border-top:1px solid var(--line);display:grid;grid-template-columns:56px 1fr;gap:20px}
.service:first-of-type{border-top:0}
.service ul{margin:.25em 0 1em;padding-left:1.2em}

.checks{list-style:none;padding:0;margin:0}
.checks li{position:relative;padding-left:30px;margin-bottom:10px}
.checks li::before{content:"";position:absolute;left:0;top:.35em;width:18px;height:18px;border-radius:50%;background:var(--accent) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5 9-10'/%3E%3C/svg%3E") center/12px no-repeat}

.steps{counter-reset:step;list-style:none;padding:0;margin:0;display:grid;gap:16px}
.steps li{counter-increment:step;position:relative;padding:20px 20px 20px 72px;background:#fff;border:1px solid var(--line);border-radius:var(--radius)}
.steps li::before{content:counter(step);position:absolute;left:20px;top:18px;width:36px;height:36px;border-radius:50%;background:var(--brand);color:#fff;font-weight:800;display:grid;place-items:center}

.cta-band{background:var(--ink);color:#fff;padding:64px 0}
.cta-band h2{color:#fff}
.cta-band p{color:#c9d3e6}
.cta-band .container{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:24px}

details{border:1px solid var(--line);border-radius:10px;background:#fff;margin-bottom:10px}
summary{cursor:pointer;padding:16px 20px;font-weight:700;list-style:none}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";float:right;font-weight:800;color:var(--brand-ink)}
details[open] summary::after{content:"\2212"}
details>div{padding:0 20px 16px}

.chips{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:0}
.chips li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 14px;font-size:.95rem;font-weight:600;color:var(--ink-2)}

/* Prose (legal pages) */
.prose{max-width:76ch}
.prose h2{font-size:1.4rem;margin-top:2em}
.prose h3{font-size:1.1rem;margin-top:1.5em}
.prose ul{padding-left:1.25em}
.prose li{margin-bottom:.35em}
.prose table{border-collapse:collapse;width:100%;margin:1em 0;font-size:.95rem}
.prose th,.prose td{border:1px solid var(--line);padding:10px;text-align:left;vertical-align:top}
.prose th{background:var(--paper-2)}
.updated{color:var(--muted);font-size:.95rem}

/* Forms */
.form{display:grid;gap:16px}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media (max-width:640px){.form .row{grid-template-columns:1fr}}
label{display:block;font-weight:700;font-size:.95rem;margin-bottom:6px}
.opt{font-weight:500;color:var(--muted)}
input,select,textarea{width:100%;font:inherit;color:var(--ink);background:#fff;border:1.5px solid #7d8aa1;border-radius:8px;padding:11px 12px}
input:focus,select:focus,textarea:focus{border-color:var(--brand);outline:3px solid rgba(11,95,255,.2);outline-offset:0}
textarea{min-height:140px;resize:vertical}
.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
.form-note{font-size:.9rem;color:var(--muted)}
.form-status{padding:14px 16px;border-radius:8px;font-weight:600}
.form-status[hidden]{display:none}
.form-status.ok{background:#e6f8f3;color:#0b5e4f}
.form-status.err{background:#fdecec;color:#8a1c1c}

/* Footer */
.site-footer{background:#0b1422;color:#c9d3e6;padding:56px 0 28px;font-size:.95rem}
.site-footer a{color:#e7edf8;text-decoration:none}
.site-footer a:hover{text-decoration:underline;color:#fff}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}
@media (max-width:860px){.footer-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.footer-grid{grid-template-columns:1fr}}
.site-footer h2{font-size:.85rem;text-transform:uppercase;letter-spacing:.12em;color:#8ea0bf;margin-bottom:12px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:8px}
.legal-bar{border-top:1px solid #1f2b40;margin-top:40px;padding-top:20px;display:flex;flex-wrap:wrap;gap:12px 24px;justify-content:space-between;color:#8ea0bf;font-size:.875rem}
.legal-bar ul{display:flex;flex-wrap:wrap;gap:8px 18px}
.mt{margin-top:32px}
.mt-sm{margin-top:16px}