:root {
  --ink: #10202f;
  --ink-soft: #4a5b6b;
  --line: #dfe5ea;
  --bg: #ffffff;
  --bg-alt: #f5f7f9;
  --brand: #0f4c75;
  --brand-dark: #0b3a5a;
  --accent: #c9752b;
  --radius: 6px;
  --wrap: 1080px;
}

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

html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto,
               "Helvetica Neue", Arial, sans-serif;
  font-size: 16px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--bg);
}

.wrap {
  width: 100%;
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 24px;
}

a { color: var(--brand); }
a:hover { color: var(--brand-dark); }

h1, h2, h3 { line-height: 1.25; color: var(--ink); margin: 0 0 .6em; }
h1 { font-size: 2.1rem; letter-spacing: -.02em; }
h2 { font-size: 1.5rem; letter-spacing: -.01em; }
h3 { font-size: 1.05rem; }
p { margin: 0 0 1.1em; }

/* ---------- header ---------- */

.site-header {
  border-bottom: 1px solid var(--line);
  background: var(--bg);
}

.site-header .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  min-height: 68px;
  flex-wrap: wrap;
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 600;
  font-size: 1.1rem;
  color: var(--ink);
  text-decoration: none;
  letter-spacing: -.01em;
}
.brand svg { display: block; flex: none; }
.brand span small {
  display: block;
  font-size: .68rem;
  font-weight: 400;
  letter-spacing: .09em;
  text-transform: uppercase;
  color: var(--ink-soft);
}

.nav { display: flex; gap: 22px; flex-wrap: wrap; }
.nav a {
  color: var(--ink-soft);
  text-decoration: none;
  font-size: .93rem;
  padding: 4px 0;
  border-bottom: 2px solid transparent;
}
.nav a:hover { color: var(--brand); }
.nav a[aria-current="page"] { color: var(--ink); border-bottom-color: var(--accent); }

/* ---------- hero ---------- */

.hero {
  background: linear-gradient(180deg, #f7f9fb 0%, #ffffff 100%);
  border-bottom: 1px solid var(--line);
  padding: 64px 0 56px;
}
.hero .eyebrow {
  font-size: .74rem;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--accent);
  font-weight: 600;
  margin-bottom: 14px;
}
.hero h1 { max-width: 20ch; font-size: 2.5rem; }
.hero .lede {
  max-width: 60ch;
  font-size: 1.1rem;
  color: var(--ink-soft);
}

.btn {
  display: inline-block;
  padding: 11px 22px;
  border-radius: var(--radius);
  background: var(--brand);
  color: #fff;
  text-decoration: none;
  font-size: .95rem;
  font-weight: 500;
  border: 1px solid var(--brand);
}
.btn:hover { background: var(--brand-dark); color: #fff; }
.btn.ghost { background: transparent; color: var(--brand); }
.btn.ghost:hover { background: var(--bg-alt); color: var(--brand-dark); }
.btn-row { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 8px; }

/* ---------- sections ---------- */

section { padding: 56px 0; }
section.alt { background: var(--bg-alt); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-head { max-width: 62ch; margin-bottom: 34px; }
.section-head p { color: var(--ink-soft); margin: 0; }

.grid { display: grid; gap: 22px; }
.grid.cols-3 { grid-template-columns: repeat(3, 1fr); }
.grid.cols-2 { grid-template-columns: repeat(2, 1fr); }
.grid.cols-4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: var(--bg);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 24px;
}
.card h3 { margin-bottom: .4em; }
.card p { margin: 0; color: var(--ink-soft); font-size: .95rem; }
.card .tag {
  display: inline-block;
  font-size: .7rem;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--accent);
  font-weight: 600;
  margin-bottom: 10px;
}

.stat { border-left: 3px solid var(--accent); padding-left: 16px; }
.stat b { display: block; font-size: 1.9rem; line-height: 1.2; letter-spacing: -.02em; }
.stat span { font-size: .88rem; color: var(--ink-soft); }

ol.steps { counter-reset: s; list-style: none; padding: 0; margin: 0; display: grid; gap: 18px; }
ol.steps li { counter-increment: s; padding-left: 46px; position: relative; }
ol.steps li::before {
  content: counter(s);
  position: absolute; left: 0; top: 2px;
  width: 30px; height: 30px;
  display: grid; place-items: center;
  border-radius: 50%;
  background: var(--brand); color: #fff;
  font-size: .85rem; font-weight: 600;
}
ol.steps h3 { margin-bottom: .2em; }
ol.steps p { margin: 0; color: var(--ink-soft); font-size: .95rem; }

dl.facts { margin: 0; display: grid; gap: 14px; }
dl.facts div { border-top: 1px solid var(--line); padding-top: 12px; }
dl.facts dt { font-size: .75rem; letter-spacing: .08em; text-transform: uppercase; color: var(--ink-soft); }
dl.facts dd { margin: 2px 0 0; font-size: 1.02rem; }

.prose { max-width: 68ch; }
.prose ul { padding-left: 20px; color: var(--ink-soft); }
.prose li { margin-bottom: .5em; }

.cta {
  background: var(--brand);
  color: #fff;
  border-radius: var(--radius);
  padding: 36px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 26px;
  flex-wrap: wrap;
}
.cta h2 { color: #fff; margin-bottom: .25em; }
.cta p { color: #cfe0ee; margin: 0; }
.cta .btn { background: #fff; color: var(--brand); border-color: #fff; }
.cta .btn:hover { background: #eef3f7; color: var(--brand-dark); }

/* ---------- footer ---------- */

.site-footer {
  border-top: 1px solid var(--line);
  background: var(--bg-alt);
  padding: 40px 0 28px;
  font-size: .9rem;
  color: var(--ink-soft);
}
.site-footer .cols { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 28px; margin-bottom: 26px; }
.site-footer h4 { font-size: .75rem; letter-spacing: .1em; text-transform: uppercase; color: var(--ink); margin: 0 0 10px; }
.site-footer ul { list-style: none; margin: 0; padding: 0; }
.site-footer li { margin-bottom: 6px; }
.site-footer a { color: var(--ink-soft); text-decoration: none; }
.site-footer a:hover { color: var(--brand); }
.legal { border-top: 1px solid var(--line); padding-top: 18px; font-size: .82rem; }

/* ---------- misc ---------- */

.notice {
  border-left: 3px solid var(--accent);
  background: var(--bg-alt);
  padding: 14px 18px;
  border-radius: 0 var(--radius) var(--radius) 0;
  font-size: .95rem;
}

.center-narrow { max-width: 46ch; margin: 0 auto; text-align: center; padding: 70px 0; }

@media (max-width: 860px) {
  .grid.cols-3, .grid.cols-4 { grid-template-columns: repeat(2, 1fr); }
  .site-footer .cols { grid-template-columns: 1fr 1fr; }
  .hero h1 { font-size: 2rem; }
}

@media (max-width: 560px) {
  .grid.cols-2, .grid.cols-3, .grid.cols-4 { grid-template-columns: 1fr; }
  .site-footer .cols { grid-template-columns: 1fr; }
  .site-header .wrap { min-height: 0; padding-top: 14px; padding-bottom: 14px; }
  .hero { padding: 44px 0 38px; }
  section { padding: 42px 0; }
  .cta { padding: 26px; }
}