:root {
  --navy: #0e2a4d;
  --navy-deep: #0a1f3a;
  --ink: #1c2b3a;
  --muted: #5b6b7e;
  --line: #e3e9f0;
  --bg-alt: #f6f8fb;
  --accent: #d2691e;
  --accent-dark: #b2571a;
  --radius: 10px;
  /* Fixed z-index scale: header sits above page content, nothing else layers. */
  --z-header: 50;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

body {
  font-family: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
  color: var(--ink);
  background: #ffffff;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-wrap: pretty;
}

.wrap { max-width: 1060px; margin: 0 auto; padding: 0 24px; }
.wrap.narrow { max-width: 720px; }

h1, h2, h3 { color: var(--navy); line-height: 1.25; letter-spacing: -0.01em; text-wrap: balance; }
h1 { font-size: clamp(30px, 5vw, 46px); font-weight: 800; }
h2 { font-size: clamp(24px, 3.4vw, 32px); font-weight: 700; margin-bottom: 8px; }
h3 { font-size: 19px; font-weight: 600; margin-bottom: 6px; }

p { margin-bottom: 14px; }
.muted { color: var(--muted); font-size: 15px; }
.optional { color: var(--muted); font-weight: 400; font-size: 14px; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: var(--z-header);
  background: #ffffff; border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; gap: 28px; height: 64px; }
.brand { font-weight: 800; font-size: 19px; color: var(--navy); text-decoration: none; }
.site-nav { display: flex; gap: 22px; margin-left: auto; }
.site-nav a { color: var(--ink); text-decoration: none; font-size: 15px; font-weight: 500; }
.site-nav a:hover { color: var(--accent-dark); }

/* Buttons */
.btn {
  display: inline-block; text-decoration: none; cursor: pointer;
  background: var(--navy); color: #ffffff;
  padding: 12px 26px; border-radius: var(--radius);
  font-weight: 600; font-size: 16px; border: none;
}
.btn:hover { background: var(--navy-deep); }
.btn-accent { background: var(--accent); }
.btn-accent:hover { background: var(--accent-dark); }
.btn-small { padding: 9px 18px; font-size: 14px; }

/* Hero */
.hero { background: var(--navy); color: #ffffff; padding: 84px 0 72px; }
.hero h1 { color: #ffffff; max-width: 760px; margin-bottom: 18px; }
.hero-sub { font-size: 19px; color: #c9d4e2; max-width: 640px; margin-bottom: 28px; }
.hero .btn-accent { margin-bottom: 14px; }
.hero-note { color: #93a3b8; font-size: 14px; margin-bottom: 0; }

/* Sections */
.section { padding: 68px 0; }
.section-alt { background: var(--bg-alt); }
.section-lede { color: var(--muted); font-size: 18px; margin-bottom: 30px; }

/* Cards */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.card {
  background: #ffffff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 26px 24px;
}
.card p { margin-bottom: 0; color: var(--muted); font-size: 15.5px; }

/* Steps */
.steps { list-style: none; display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; counter-reset: step; }
.steps li {
  background: #ffffff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 26px 24px; position: relative;
}
.step-num {
  display: inline-flex; align-items: center; justify-content: center;
  width: 36px; height: 36px; border-radius: 50%;
  background: var(--accent); color: #ffffff; font-weight: 700; font-size: 17px;
  margin-bottom: 14px;
}
.steps p { margin-bottom: 0; color: var(--muted); font-size: 15.5px; }

/* Chips */
.chips { display: flex; flex-wrap: wrap; gap: 10px; }
.chips span {
  border: 1px solid var(--line); background: #ffffff; color: var(--navy);
  padding: 8px 16px; border-radius: 999px; font-size: 14.5px; font-weight: 500;
}

/* FAQ */
details {
  border: 1px solid var(--line); border-radius: var(--radius);
  background: #ffffff; margin-bottom: 12px; padding: 0;
}
summary {
  cursor: pointer; padding: 18px 20px; font-weight: 600; color: var(--navy);
  list-style: none; font-size: 16.5px;
}
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; float: right; color: var(--accent); font-weight: 700; font-size: 20px; }
details[open] summary::after { content: "\2212"; }
details p { padding: 0 20px 18px; color: var(--muted); margin-bottom: 0; }

/* Form */
form label { display: block; font-weight: 600; color: var(--navy); margin-bottom: 16px; font-size: 15px; }
form input, form textarea {
  display: block; width: 100%; margin-top: 6px;
  border: 1px solid var(--line); border-radius: var(--radius);
  padding: 12px 14px; font-size: 16px; font-family: inherit; color: var(--ink);
  background: #ffffff;
}
form input:focus, form textarea:focus { outline: 2px solid var(--accent); border-color: var(--accent); }
form textarea { resize: vertical; }
form .btn { margin-top: 4px; }
.form-note { margin-top: 14px; font-size: 15px; color: var(--navy); font-weight: 500; }
.form-note.error { color: #b3261e; }
.direct { margin-top: 22px; color: var(--muted); }
.direct a, .site-footer a { color: var(--accent-dark); }

/* Footer */
.site-footer { background: var(--navy-deep); color: #c9d4e2; padding: 30px 0; font-size: 14.5px; }
.site-footer p { margin-bottom: 0; }

/* Responsive */
@media (max-width: 820px) {
  .cards, .steps { grid-template-columns: 1fr; }
  .site-nav { display: none; }
  .header-inner .btn-small { margin-left: auto; }
  .section { padding: 52px 0; }
  .hero { padding: 64px 0 56px; }
}