:root{
  --navy:#0F1B2A; --navy-2:#2A3747; --paper:#F5F4EF; --white:#FFFFFF;
  --line:#D9D7CE; --line-2:#ECEAE3; --ink:#0F1B2A; --ink-2:#2E3A48; --muted:#4A5563; --soft:#C9CED6;
  --rust:#C2410C; --rust-dark:#9A3412; --rust-tint:#FFF4EC; --rust-line:#F3C9A8; --amber:#F59E5B;
  --display:'Barlow Condensed', 'Arial Narrow', sans-serif;
  --body:'IBM Plex Sans', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --mono:'IBM Plex Mono', ui-monospace, Menlo, monospace;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--body);font-size:16px;line-height:1.55}
a{color:var(--rust)} a:hover{color:var(--rust-dark)}
img,svg{display:block}
input,select,textarea,button{font:inherit}
:focus-visible{outline:3px solid var(--amber);outline-offset:2px}
.skip{position:absolute;left:-9999px;top:0;background:var(--rust);color:#fff;padding:12px 18px;z-index:10}
.skip:focus{left:12px;top:12px}
.wrap{max-width:1240px;margin:0 auto;padding-left:24px;padding-right:24px}
@media (max-width:480px){.wrap{padding-left:16px;padding-right:16px}}

/* Top strip */
.strip{background:var(--navy);color:var(--soft);font-family:var(--mono);font-size:12px;letter-spacing:.04em}
.strip .wrap{padding-top:8px;padding-bottom:8px;display:flex;flex-wrap:wrap;gap:6px 28px;justify-content:space-between}
.strip a{color:#F5F4EF;text-decoration:none} .strip a:hover{text-decoration:underline;color:#fff}

/* Header */
.site-header{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.site-header .wrap{padding-top:14px;padding-bottom:14px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:12px 16px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink)}
.brand-name{display:flex;flex-direction:column;line-height:1}
.brand-name b{font-family:var(--display);font-weight:700;font-size:26px;letter-spacing:.02em;text-transform:uppercase}
.brand-name small{font-family:var(--mono);font-size:11px;letter-spacing:.18em;color:var(--muted);text-transform:uppercase;margin-top:4px}
.nav{display:flex;flex-wrap:wrap;gap:4px}
.nav a{display:inline-flex;align-items:center;min-height:44px;padding:0 16px;font-weight:600;font-size:15px;color:var(--ink);text-decoration:none}
.nav a:hover{background:var(--line-2);color:var(--ink)}
.nav a[aria-current="page"]{background:var(--navy);color:#fff}
.nav a.cta{background:var(--rust);color:#fff;margin-left:8px}
.nav a.cta:hover,.nav a.cta[aria-current="page"]{background:var(--rust-dark);color:#fff}
.menu-btn{display:none;min-height:44px;padding:0 16px;background:var(--navy);color:#fff;border:0;font-weight:600;cursor:pointer}
@media (max-width:860px){
  .menu-btn{display:inline-flex;align-items:center}
  .nav{display:none;width:100%;flex-direction:column}
  .nav.open{display:flex}
  .nav a{width:100%;border-top:1px solid var(--line-2)}
  .nav a.cta{margin-left:0;justify-content:center;margin-top:8px}
}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:0 28px;font-weight:600;font-size:16px;text-decoration:none;border:0;cursor:pointer}
.btn-primary{background:var(--rust);color:#fff} .btn-primary:hover{background:var(--rust-dark);color:#fff}
.btn-ghost{background:transparent;color:#F5F4EF;border:1px solid #5B6675} .btn-ghost:hover{border-color:#F5F4EF;color:#fff}
.btn-dark{background:var(--navy);color:#fff;min-height:44px;padding:0 18px;font-size:15px} .btn-dark:hover{background:#1d2c40;color:#fff}
.link-under{display:inline-flex;align-items:center;min-height:44px;padding:0 4px;border-bottom:2px solid var(--rust);color:var(--ink);font-weight:600;text-decoration:none}

/* Type */
.eyebrow{font-family:var(--mono);font-size:13px;letter-spacing:.16em;text-transform:uppercase;color:var(--rust)}
.display{font-family:var(--display);font-weight:700;text-transform:uppercase;line-height:1;margin:0}
.h1{font-size:clamp(42px,6vw,72px)}
.h2{font-size:clamp(36px,4.5vw,52px)}
.lede{font-size:18px;color:var(--muted);max-width:780px;margin:0}
.muted{color:var(--muted)}

/* Hero */
.hero{background:var(--navy);color:#F5F4EF}
.hero .wrap{padding-top:88px;padding-bottom:96px;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(320px,100%),1fr));gap:56px;align-items:end}
.hero h1{font-size:clamp(46px,7vw,92px);line-height:.95}
.hero p{font-size:19px;max-width:560px;color:var(--soft);margin:0}
.hero .eyebrow{color:var(--amber)}
.stack{display:flex;flex-direction:column;gap:24px}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:8px}
.stats{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1px;background:var(--navy-2);border:1px solid var(--navy-2)}
.stats div{background:var(--navy);padding:24px}
.stats b{display:block;font-family:var(--display);font-size:34px}
.stats span{color:var(--soft);font-size:14px}

/* Sections */
.section{padding-top:88px;padding-bottom:88px}
.page{padding-top:72px;padding-bottom:96px}
.band{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-head{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:end;gap:16px;margin-bottom:40px}
.tiles{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(260px,100%),1fr));gap:1px;background:var(--line);border:1px solid var(--line)}
.tile{background:var(--white);padding:32px;display:flex;flex-direction:column;gap:10px}
.tile .num{font-family:var(--mono);font-size:12px;color:var(--rust)}
.tile h3{margin:0;font-size:20px} .tile p{margin:0;color:var(--muted)}
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(220px,100%),1fr));gap:32px}
.steps li{display:flex;flex-direction:column;gap:8px;border-top:3px solid var(--navy);padding-top:20px}
.steps li:last-child{border-top-color:var(--rust)}
.steps strong{font-size:18px} .steps span{color:var(--muted)}
.cta-row{display:flex;flex-wrap:wrap;gap:32px;align-items:center;justify-content:space-between}

.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(340px,100%),1fr));gap:24px}
.card{background:var(--white);border:1px solid var(--line);padding:32px;display:flex;flex-direction:column;gap:12px}
.card h2,.card h3{margin:0;font-size:22px}
.card p{margin:0;color:var(--muted)}
.card ul{margin:0;padding-left:20px;color:var(--ink-2);display:flex;flex-direction:column;gap:6px}
.card.dark{background:var(--navy);color:#F5F4EF;border-color:var(--navy)}
.card.dark p{color:var(--soft)} .card.dark ul{color:#E3E6EA}
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chips span{padding:10px 16px;background:var(--white);border:1px solid var(--line)}

.panel{background:var(--white);border:1px solid var(--line);margin-bottom:32px}
.panel-head{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:12px;padding:20px 28px;border-bottom:1px solid var(--line)}
.panel-head h2{margin:0;font-size:20px}
.panel-body{padding:24px 28px}
.kv{width:100%;border-collapse:collapse;font-size:15px}
.kv th,.kv td{padding:14px 28px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line-2)}
.kv tr:last-child th,.kv tr:last-child td{border-bottom:0}
.kv th{width:34%;font-weight:600}
@media (max-width:600px){.kv th,.kv td{display:block;width:100%;padding:10px 20px}.kv th{border-bottom:0;padding-bottom:0}}
.policy-list{list-style:none;margin:0;padding:0}
.policy-list li{padding:12px 0;border-bottom:1px solid var(--line-2)} .policy-list li:last-child{border-bottom:0}

/* Forms */
.inq{display:flex;flex-wrap:wrap;gap:48px;align-items:flex-start}
.inq aside{flex:1 1 300px;display:flex;flex-direction:column;gap:24px}
.inq .form-box{flex:999 1 560px;min-width:0;background:var(--white);border:1px solid var(--line);padding:36px}
@media (max-width:480px){.inq .form-box{padding:22px}}
.info-box{background:var(--white);border:1px solid var(--line);padding:24px;display:flex;flex-direction:column;gap:8px}
.info-box a{color:var(--ink);font-weight:600}
.warn{background:var(--rust-tint);border:1px solid var(--rust-line);padding:20px 24px;font-size:14px;color:#5A2A0C}
.warn strong{display:block;margin-bottom:4px}
form.mgt{display:flex;flex-direction:column;gap:28px}
fieldset{border:0;margin:0;padding:0;min-width:0}
legend{font-weight:600;font-size:18px;margin-bottom:12px;padding:0}
.grid2{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(220px,100%),1fr));gap:16px}
.field{display:flex;flex-direction:column;gap:6px;font-weight:500}
.field input,.field select,.field textarea{min-height:48px;padding:0 12px;border:1px solid #A9AEB5;background:#fff;color:var(--ink);border-radius:0;width:100%}
.field textarea{padding:12px;resize:vertical;min-height:120px}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--navy)}
.checks{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(240px,100%),1fr));gap:10px 20px}
.check{display:flex;gap:10px;align-items:center;min-height:44px}
.check input{width:20px;height:20px;flex:none;accent-color:var(--rust)}
.consent{padding:20px;background:var(--paper);display:flex;flex-direction:column;gap:14px}
.consent .check{align-items:flex-start;font-size:14px;color:var(--ink-2);min-height:0}
.consent .check input{margin-top:2px}
.submit-row{display:flex;flex-wrap:wrap;gap:16px;align-items:center;justify-content:space-between}
.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
.form-error{background:#FDECEC;border:1px solid #E7A3A3;color:#7A1414;padding:14px 18px;font-size:15px}
.form-success{display:flex;flex-direction:column;gap:12px;padding:24px 0}
.form-success h2{font-family:var(--display);font-size:40px;text-transform:uppercase;margin:0}
[hidden]{display:none !important}
button[disabled]{opacity:.65;cursor:progress}

/* Legal pages */
.prose{max-width:780px}
.prose h2{font-size:22px;margin:36px 0 10px}
.prose p,.prose li{color:var(--ink-2)}
.prose ul{padding-left:22px}

/* Footer */
.site-footer{background:var(--navy);color:var(--soft);font-size:14px}
.site-footer .top{padding-top:56px;padding-bottom:32px;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(200px,100%),1fr));gap:32px}
.site-footer .col{display:flex;flex-direction:column;gap:6px}
.site-footer strong{color:#F5F4EF}
.site-footer .name{font-family:var(--display);font-weight:700;font-size:24px;color:#F5F4EF;text-transform:uppercase;line-height:1.05}
.site-footer a{color:var(--soft)} .site-footer a:hover{color:#fff}
.site-footer .bottom{padding-top:20px;padding-bottom:32px;border-top:1px solid var(--navy-2);display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;font-size:13px}