:root {
  --navy: #042C53;
  --ink: #0B1F33;
  --muted: #4A5565;
  --line: #D9DEE5;
  --soft: #F4F6F8;
  --accent: #8CC26F;
  --accent-dark: #3F7F4F;
  --on-navy: #D3DCE7;
  --footer: #0B1F33;
  --serif: 'Source Serif 4', Georgia, serif;
  --sans: 'IBM Plex Sans', system-ui, -apple-system, 'Segoe UI', sans-serif;
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; font-family: var(--sans); font-size: 17px; line-height: 1.6; color: var(--ink); background: #FFFFFF; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy); }
a:hover { color: #0C447C; }
h1, h2, h3 { margin: 0; line-height: 1.2; color: var(--navy); }
p { margin: 0; }
.skip { position: absolute; left: -9999px; }
.skip:focus { left: 16px; top: 16px; background: #FFFFFF; padding: 8px 12px; z-index: 10; }
:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; }

.wrap { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.narrow { max-width: 860px; }
.serif { font-family: var(--serif); font-weight: 600; }
.eyebrow { font-size: 14px; font-weight: 600; letter-spacing: 1.2px; text-transform: uppercase; color: var(--muted); margin-bottom: 12px; }
.lead { font-size: 20px; color: var(--on-navy); max-width: 680px; margin-top: 20px; }
.muted { color: var(--muted); }
.small { font-size: 14px; }

/* Header */
.site-header { background: var(--navy); color: #FFFFFF; }
.site-header .wrap { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 12px 24px; padding-top: 14px; padding-bottom: 14px; }
.brand { display: flex; align-items: center; gap: 12px; color: #FFFFFF; text-decoration: none; min-height: 44px; }
.brand img { width: 46px; height: 46px; }
.brand span { font-family: var(--serif); font-size: 21px; font-weight: 600; }
.brand:hover { color: #FFFFFF; }
.nav { display: flex; flex-wrap: wrap; align-items: center; gap: 4px 22px; font-size: 15px; }
.nav a { color: #FFFFFF; text-decoration: none; min-height: 44px; display: inline-flex; align-items: center; }
.nav a:hover { color: var(--accent); }
.nav a[aria-current="page"] { color: var(--accent); font-weight: 600; }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; min-height: 48px; padding: 0 24px; border-radius: 6px; font: inherit; font-weight: 600; text-decoration: none; cursor: pointer; border: 1px solid transparent; }
.btn-accent { background: var(--accent); color: var(--navy) !important; }
.btn-accent:hover { background: #9DCD83; }
.btn-navy { background: var(--navy); color: #FFFFFF !important; }
.btn-navy:hover { background: #0C447C; }
.btn-light { border-color: #FFFFFF; color: #FFFFFF !important; font-weight: 500; }
.btn-light:hover { background: rgba(255, 255, 255, 0.08); }
.btn-outline { border-color: var(--navy); color: var(--navy) !important; background: #FFFFFF; }
.nav .btn { min-height: 44px; padding: 0 18px; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 36px; }

/* Sections */
.hero { background: var(--navy); color: #FFFFFF; }
.hero .wrap { padding-top: 64px; padding-bottom: 88px; }
.hero h1 { color: #FFFFFF; font-family: var(--serif); font-weight: 600; font-size: clamp(34px, 5.5vw, 62px); line-height: 1.1; max-width: 860px; }
.hero .tag { color: var(--accent); font-size: 15px; font-weight: 500; letter-spacing: 1.5px; text-transform: uppercase; margin-bottom: 20px; }
.hero-small .wrap { padding-top: 56px; padding-bottom: 64px; }
.section { padding: 88px 0; }
.section-tight { padding: 56px 0; }
.soft { background: var(--soft); }
.section h2.big { font-family: var(--serif); font-size: clamp(28px, 3.5vw, 36px); margin-bottom: 32px; }

.grid { display: grid; gap: 24px; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.grid-wide { grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); gap: 32px; }
.split { display: flex; flex-wrap: wrap; gap: 48px; }
.split > :first-child { flex: 1 1 340px; min-width: 0; }
.split > :last-child { flex: 1 1 520px; min-width: 0; }

.card { border: 1px solid var(--line); border-radius: 12px; padding: 32px; background: #FFFFFF; display: flex; flex-direction: column; gap: 12px; }
.card h2, .card h3 { font-family: var(--serif); }
.card-lane h2 { font-size: 30px; }
.card .btn { margin-top: auto; align-self: flex-start; }
.card ul { margin: 0; padding-left: 20px; }
.card-small { padding: 24px; gap: 6px; }
.card-small h3 { font-family: var(--sans); font-size: 19px; font-weight: 600; }
a.card { text-decoration: none; color: var(--ink); }
a.card:hover { border-color: var(--navy); }

.rule { border-top: 2px solid var(--accent-dark); padding-top: 14px; }
.rule h3 { font-family: var(--sans); font-size: 18px; font-weight: 600; margin-bottom: 6px; }

.steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 32px; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
.steps li { display: flex; flex-direction: column; gap: 10px; }
.num { width: 44px; height: 44px; border-radius: 50%; background: var(--accent); color: var(--navy); display: flex; align-items: center; justify-content: center; font-weight: 600; font-size: 18px; }
.steps h3 { font-family: var(--sans); font-size: 20px; font-weight: 600; }

.lines { list-style: none; margin: 0; padding: 0; }
.lines li { border-bottom: 1px solid var(--line); padding: 16px 0; }
.ticks { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.ticks li { display: flex; gap: 12px; align-items: flex-start; }
.ticks svg { flex: 0 0 22px; margin-top: 3px; }

.timeline { list-style: none; margin: 0; padding: 0; }
.timeline li { display: flex; flex-wrap: wrap; gap: 4px 32px; padding: 18px 0; border-bottom: 1px solid var(--line); }
.timeline li:last-child { border-bottom: 0; }
.timeline .yr { flex: 0 0 140px; font-weight: 600; color: var(--muted); }
.timeline .role { flex: 1 1 340px; min-width: 0; }
.timeline strong { font-weight: 600; color: var(--navy); }

.callout { border-top: 2px solid var(--accent-dark); padding-top: 16px; margin-top: 8px; font-family: var(--serif); font-size: 22px; font-weight: 600; line-height: 1.35; color: var(--navy); }

.band { background: var(--navy); color: #FFFFFF; padding: 72px 0; }
.band .wrap { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 24px; }
.band h2 { color: #FFFFFF; font-family: var(--serif); font-size: clamp(28px, 3.5vw, 36px); flex: 1 1 420px; }
.band .btn-row { margin-top: 0; }

.portrait { width: 300px; flex: 0 0 300px; border-radius: 12px; overflow: hidden; }
.hero-about .wrap { display: flex; flex-wrap: wrap; align-items: center; gap: 48px; }
.hero-about .text { flex: 1 1 460px; min-width: 0; }

/* FAQ */
.faq { display: flex; flex-direction: column; gap: 12px; }
.faq details { border: 1px solid var(--line); border-radius: 10px; padding: 0 20px; }
.faq summary { min-height: 56px; display: flex; align-items: center; font-weight: 600; color: var(--navy); cursor: pointer; }
.faq details p { color: var(--muted); padding-bottom: 18px; }
.faq h2 { font-family: var(--serif); font-size: 28px; margin: 36px 0 4px; }
.faq h2:first-child { margin-top: 0; }

/* Forms */
.form { display: flex; flex-direction: column; gap: 18px; }
.form .row { display: grid; gap: 16px; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }
.form label.field { display: flex; flex-direction: column; gap: 6px; font-weight: 500; }
.form input[type=text], .form input[type=email], .form input[type=tel], .form textarea { min-height: 48px; padding: 10px 12px; border: 1px solid #8A96A6; border-radius: 6px; font: inherit; font-weight: 400; background: #FFFFFF; color: var(--ink); }
.form textarea { resize: vertical; }
.form fieldset { border: 0; margin: 0; padding: 0; }
.form legend { font-weight: 500; padding: 0; margin-bottom: 8px; }
.choices { display: flex; flex-wrap: wrap; gap: 8px; }
.choices label, .check { display: flex; align-items: center; gap: 8px; min-height: 44px; }
.choices label { border: 1px solid var(--line); border-radius: 6px; padding: 0 14px; }
.check { align-items: flex-start; }
.check input { width: 22px; height: 22px; margin-top: 2px; flex: 0 0 22px; }
.hidden { display: none; }

.notice { border: 2px dashed #8A96A6; border-radius: 12px; padding: 28px; display: flex; flex-direction: column; gap: 12px; }

/* Prose pages */
.prose { display: flex; flex-direction: column; gap: 28px; }
.prose section { display: flex; flex-direction: column; gap: 10px; }
.prose h2 { font-family: var(--sans); font-size: 22px; font-weight: 600; }
.prose ul { margin: 0; padding-left: 22px; display: flex; flex-direction: column; gap: 6px; }

/* Footer */
.site-footer { background: var(--footer); color: var(--on-navy); padding: 56px 0; font-size: 15px; }
.site-footer .wrap { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 32px; }
.site-footer a { color: #FFFFFF; }
.site-footer .col { display: flex; flex-direction: column; gap: 6px; }
.site-footer .name { font-family: var(--serif); font-size: 20px; font-weight: 600; color: #FFFFFF; }

@media (max-width: 640px) {
  body { font-size: 16px; }
  .section { padding: 64px 0; }
  .hero .wrap { padding-top: 40px; padding-bottom: 56px; }
  .card { padding: 24px; }
  .portrait { width: 220px; flex-basis: 220px; }
  .brand span { font-size: 18px; }
}