:root{
  --navy:#0B2545; --navy-2:#13315C; --teal:#0E9F8E; --teal-dark:#0A7D70; --teal-soft:#E6F6F3;
  --amber:#F2A541; --amber-soft:#FFF4E2; --ink:#1B2A3A; --muted:#55687D; --line:#DCE3EA;
  --bg:#FFFFFF; --bg-alt:#F5F8FA; --radius:14px; --max:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--bg);font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--teal-dark)}
h1,h2,h3{font-family:"Manrope",system-ui,sans-serif;color:var(--navy);line-height:1.15;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.6vw,3.25rem);font-weight:800}
h2{font-size:clamp(1.6rem,3.2vw,2.25rem);font-weight:800}
h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:100}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand img{height:44px;width:auto}
.nav{display:flex;gap:26px;align-items:center}
.nav a{color:var(--navy);text-decoration:none;font-weight:600;font-size:.95rem}
.nav a:hover{color:var(--teal-dark)}
.nav-toggle{display:none;background:none;border:0;padding:8px;cursor:pointer}
.nav-toggle span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0}

/* buttons */
.btn{display:inline-block;background:var(--teal);color:#fff !important;text-decoration:none;font-weight:700;padding:14px 26px;border-radius:999px;border:0;font-size:1rem;cursor:pointer;font-family:inherit;transition:background .15s}
.btn:hover{background:var(--teal-dark)}
.btn-sm{padding:10px 18px;font-size:.92rem}
.btn-ghost{background:transparent;color:var(--navy) !important;border:2px solid var(--navy)}
.btn-ghost:hover{background:var(--navy);color:#fff !important}

/* hero */
.hero{background:linear-gradient(180deg,#F2F8F8 0%,#fff 100%);padding:72px 0 56px}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.eyebrow{display:inline-block;background:var(--teal-soft);color:var(--teal-dark);font-weight:700;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;padding:6px 12px;border-radius:999px;margin-bottom:18px}
.lead{font-size:1.18rem;color:var(--muted);max-width:36em}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap;margin-top:26px}
.hero-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:0 10px 30px rgba(11,37,69,.08)}
.hero-card h3{margin-bottom:14px}
.checks{list-style:none;padding:0;margin:0}
.checks li{position:relative;padding-left:30px;margin-bottom:12px}
.checks li::before{content:"";position:absolute;left:0;top:5px;width:18px;height:18px;border-radius:50%;background:var(--teal) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3 3 7-7' fill='none' stroke='white' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/14px no-repeat}

/* warning strip */
.warning{background:var(--amber-soft);border-top:1px solid #F5D9A8;border-bottom:1px solid #F5D9A8}
.warning .wrap{display:flex;gap:16px;align-items:flex-start;padding-top:20px;padding-bottom:20px}
.warning svg{flex:0 0 28px;margin-top:2px}
.warning p{margin:0;color:#5B3C07}
.warning strong{color:#3E2903}

/* sections */
section{padding:80px 0}
.alt{background:var(--bg-alt)}
.section-head{max-width:720px;margin-bottom:40px}
.section-head p{color:var(--muted);font-size:1.08rem}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;counter-reset:step}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.step .num{width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font-family:"Manrope",sans-serif;font-weight:800;display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.step p{color:var(--muted);margin:0}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.card ul{margin:0;padding-left:20px}
.card li{margin-bottom:8px}
.report-links{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:20px}
.report-links a{display:block;background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px;text-decoration:none;color:var(--ink)}
.report-links a:hover{border-color:var(--teal)}
.report-links strong{display:block;color:var(--navy);font-family:"Manrope",sans-serif}
.report-links span{font-size:.92rem;color:var(--muted)}
.note{font-size:.95rem;color:var(--muted)}

/* faq */
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0 22px;margin-bottom:12px}
.faq summary{cursor:pointer;font-family:"Manrope",sans-serif;font-weight:700;color:var(--navy);padding:18px 0;list-style:none;position:relative;padding-right:30px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:14px;font-size:1.5rem;color:var(--teal)}
.faq details[open] summary::after{content:"\2013"}
.faq details p{color:var(--muted)}

/* form */
.intake{background:var(--navy);color:#E6EDF5}
.intake h2{color:#fff}
.intake .section-head p{color:#B8C7D9}
.form{background:#fff;color:var(--ink);border-radius:var(--radius);padding:32px;box-shadow:0 20px 50px rgba(0,0,0,.25)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.full{grid-column:1/-1}
label{display:block;font-weight:600;font-size:.92rem;margin-bottom:6px;color:var(--navy)}
.req{color:#B4441C}
input,select,textarea{width:100%;font:inherit;font-size:1rem;padding:12px 14px;border:1px solid #C5D0DB;border-radius:10px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(14,159,142,.25);border-color:var(--teal)}
textarea{min-height:120px;resize:vertical}
.hint{font-size:.84rem;color:var(--muted);margin-top:4px}
.consent{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:.92rem;color:var(--ink)}
.consent input{width:auto;margin-top:5px}
.form-foot{display:flex;gap:16px;align-items:center;flex-wrap:wrap;margin-top:8px}
.form-status{font-weight:600}
.form-status.ok{color:var(--teal-dark)}
.form-status.err{color:#B4441C}
.hp{position:absolute;left:-5000px}

/* footer */
.site-footer{background:#071A31;color:#9FB2C8;padding:48px 0 32px;font-size:.92rem}
.site-footer a{color:#CFE0F1}
.footer-top{display:flex;justify-content:space-between;gap:32px;flex-wrap:wrap;margin-bottom:28px}
.footer-top img{height:40px;width:auto}
.footer-links{display:flex;gap:22px;flex-wrap:wrap}
.disclaimer{border-top:1px solid #1C3352;padding-top:22px;font-size:.84rem;line-height:1.55}

/* legal page */
.legal{padding:56px 0 80px}
.legal .wrap{max-width:820px}
.legal h2{font-size:1.4rem;margin-top:1.6em}

@media (max-width:900px){
  .hero .wrap,.grid-2{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr}
  .nav{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:16px 20px 22px;border-bottom:1px solid var(--line);gap:16px}
  .nav.open{display:flex}
  .nav-toggle{display:block}
  section{padding:60px 0}
}
@media (max-width:600px){
  body{font-size:16px}
  .wrap{padding:0 16px}
  .brand img{height:36px}
  .form{padding:22px}
  .form-grid,.report-links{grid-template-columns:1fr}
  .hero{padding:48px 0 40px}
}