:root {
  color-scheme: light;
  --bg: #f6f8fb;
  --surface: #ffffff;
  --tint: #edf2f8;
  --ink: #0f1f33;
  --muted: #4a5a6e;
  --line: #dbe2ea;
  --brand: #12395f;
  --brand-hover: #0c2a47;
  --accent: #0d7a69;
  --accent-soft: #e4f3ef;
  --error: #b42318;
  --radius: 14px;
  --radius-sm: 10px;
  --shadow: 0 1px 2px rgba(15, 31, 51, 0.06), 0 10px 28px rgba(15, 31, 51, 0.07);
  --wrap: 1120px;
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}

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

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

body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.6;
}

img { max-width: 100%; display: block; }

a { color: var(--brand); text-underline-offset: 3px; }
a:hover { color: var(--accent); }

h1, h2, h3 { line-height: 1.2; letter-spacing: -0.02em; margin: 0 0 0.5em; }
h1 { font-size: clamp(2rem, 4.2vw, 3rem); }
h2 { font-size: clamp(1.5rem, 2.6vw, 2.05rem); }
h3 { font-size: 1.15rem; }
p { margin: 0 0 1em; }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 20px; }

.skip {
  position: absolute; left: -999px; top: 8px;
  background: var(--brand); color: #fff; padding: 8px 14px; border-radius: 8px; z-index: 100;
}
.skip:focus { left: 12px; }

:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: saturate(1.4) blur(8px);
  border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 68px; }
.logo { display: inline-flex; align-items: center; padding: 4px 0; }
.logo img {
  display: block; height: 34px; width: auto;
  mix-blend-mode: multiply; /* drops the logo file's off-white background on the white header */
}
.logo:hover img { opacity: 0.85; }
@media (max-width: 720px) { .logo img { height: 28px; } }
.nav { display: flex; align-items: center; gap: 22px; }
.nav-link { color: var(--ink); text-decoration: none; font-weight: 500; font-size: 0.97rem; }
.nav-link:hover { color: var(--accent); }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  background: var(--brand); color: #fff; border: 2px solid var(--brand);
  font: inherit; font-weight: 600; text-decoration: none; cursor: pointer;
  padding: 12px 22px; border-radius: var(--radius-sm);
  transition: background 0.15s ease, border-color 0.15s ease;
}
.btn:hover { background: var(--brand-hover); border-color: var(--brand-hover); color: #fff; }
.btn:disabled { opacity: 0.6; cursor: progress; }
.btn-small { padding: 8px 16px; font-size: 0.95rem; }
.btn-ghost { background: transparent; color: var(--brand); }
.btn-ghost:hover { background: var(--tint); color: var(--brand); border-color: var(--brand); }
.btn-block { width: 100%; padding: 14px 22px; font-size: 1.05rem; }

/* Sections */
.eyebrow {
  color: var(--accent); font-weight: 700; font-size: 0.82rem;
  letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 0.7em;
}
.lede { font-size: 1.15rem; color: var(--muted); max-width: 40em; }
.section { padding: 76px 0; }
.section-tight { padding: 48px 0 76px; }
.section-alt { background: var(--surface); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }

.hero { background: linear-gradient(180deg, var(--tint) 0%, var(--bg) 100%); padding: 72px 0 80px; }
.hero-inner { display: grid; grid-template-columns: 1.35fr 1fr; gap: 48px; align-items: center; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.hero-card {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow); padding: 28px;
}
.card-kicker { font-weight: 700; color: var(--brand); margin-bottom: 0.8em; }
.steps { margin: 0; padding: 0; list-style: none; counter-reset: step; }
.steps li { counter-increment: step; position: relative; padding-left: 44px; margin-bottom: 18px; color: var(--muted); }
.steps li:last-child { margin-bottom: 0; }
.steps li strong { display: block; color: var(--ink); }
.steps li::before {
  content: counter(step); position: absolute; left: 0; top: 2px;
  width: 30px; height: 30px; border-radius: 50%;
  background: var(--accent-soft); color: var(--accent);
  font-weight: 700; display: grid; place-items: center; font-size: 0.95rem;
}

.two-col { display: grid; grid-template-columns: 1fr 1.6fr; gap: 48px; align-items: start; }
.prose { color: var(--ink); }
.prose p, .prose li { color: var(--muted); }

.facts { list-style: none; padding: 0; margin: 24px 0 0; border-top: 1px solid var(--line); }
.facts li { display: grid; grid-template-columns: 110px 1fr; gap: 12px; padding: 12px 0; border-bottom: 1px solid var(--line); color: var(--ink); }
.facts span { color: var(--muted); font-weight: 600; font-size: 0.92rem; }

.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 28px; }
.cards-2 { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 760px) { .cards, .cards-2 { grid-template-columns: 1fr; } }
.card-link { display: block; text-decoration: none; color: inherit; transition: border-color 0.15s ease, box-shadow 0.15s ease; }
.card-link:hover { border-color: var(--accent); box-shadow: var(--shadow); color: inherit; }
.card-link h3 { color: var(--brand); }
.card .card-meta { color: var(--muted); font-size: 0.85rem; margin-top: 14px; }
.guides-note { margin-top: 28px; }

/* Guides and FAQ */
.breadcrumb a { color: var(--accent); text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }
.legal .lede-sm { font-size: 1.12rem; color: var(--ink); }
.legal .disclaimer { font-size: 0.9rem; border-top: 1px solid var(--line); padding-top: 16px; margin-top: 36px; }
.faq h2 { font-size: 1.35rem; margin-top: 1.8em; padding-top: 0.6em; border-top: 1px solid var(--line); }
.faq h2:first-child { margin-top: 0; padding-top: 0; border-top: 0; }
.faq h3 { font-size: 1.05rem; margin: 1.3em 0 0.35em; color: var(--ink); }
.card { background: var(--bg); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.card p { color: var(--muted); margin: 0; }

.numbered { padding-left: 1.3em; margin: 0 0 24px; }
.numbered li { margin-bottom: 10px; padding-left: 4px; }

.notice { background: var(--accent-soft); border: 1px solid #bfe3da; border-radius: var(--radius-sm); padding: 18px 20px; }
.notice p { color: var(--ink); font-size: 0.97rem; }
.notice p:last-child { margin-bottom: 0; }
.notice-title { font-weight: 700; margin-bottom: 0.4em; }

.contact-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 20px; margin-top: 28px; }
.contact-item { background: var(--bg); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; }
.contact-item p, .contact-item address { margin: 0; font-style: normal; }
.contact-label { color: var(--muted); font-weight: 600; font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 6px !important; }
.contact-cta { margin-top: 32px; }

/* Page head */
.page-head { background: linear-gradient(180deg, var(--tint) 0%, var(--bg) 100%); padding: 56px 0 24px; }
.page-head h1 { margin-bottom: 0.3em; }

/* Form */
.form-layout { display: grid; grid-template-columns: 1.6fr 1fr; gap: 32px; align-items: start; }
.form-panel, .side-panel {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow); padding: 32px;
}
.side-panel h2 { font-size: 1.25rem; }
.side-panel .notice { margin-top: 8px; }
.side-contact { margin-top: 20px; margin-bottom: 0; }
.side-contact span { color: var(--muted); font-size: 0.93rem; }

fieldset { border: 0; padding: 0; margin: 0 0 28px; min-width: 0; }
legend { font-weight: 700; font-size: 1.08rem; padding: 0; margin-bottom: 14px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { margin-bottom: 16px; }
label { display: block; font-weight: 600; font-size: 0.95rem; margin-bottom: 6px; }
.req { color: var(--error); }
.optional { color: var(--muted); font-weight: 400; font-size: 0.9rem; }

input[type="text"], input[type="tel"], input[type="email"], input[type="date"], select, textarea {
  width: 100%; font: inherit; font-size: 1rem; color: var(--ink);
  background: #fff; border: 1.5px solid var(--line); border-radius: var(--radius-sm);
  padding: 11px 13px; min-height: 48px;
}
textarea { resize: vertical; min-height: 96px; }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--accent); box-shadow: 0 0 0 3px rgba(13, 122, 105, 0.18); }
[aria-invalid="true"] { border-color: var(--error) !important; }
.field-hint { color: var(--muted); font-size: 0.88rem; margin: 6px 0 0; }
.field-error { color: var(--error); font-size: 0.88rem; margin: 6px 0 0; min-height: 0; }
.field-error:empty { display: none; }

.consent {
  display: grid; grid-template-columns: 24px 1fr; gap: 12px; align-items: start;
  background: var(--bg); border: 1.5px solid var(--line); border-radius: var(--radius-sm); padding: 16px;
}
.consent input { width: 20px; height: 20px; margin: 3px 0 0; accent-color: var(--accent); }
.consent label { font-weight: 400; font-size: 0.93rem; color: var(--ink); margin: 0; line-height: 1.55; }

.hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }

.form-status { margin: 14px 0 0; font-weight: 600; }
.form-status:empty { display: none; }
.form-status.is-error { color: var(--error); }

.done { text-align: left; }
.done h2 { font-size: 1.5rem; }
.done:focus { outline: none; }

/* Legal pages */
.legal { max-width: 780px; }
.legal h2 { font-size: 1.35rem; margin-top: 2em; }
.legal h3 { margin-top: 1.4em; }
.legal p, .legal li { color: var(--muted); }
.legal ul, .legal ol { padding-left: 1.3em; }
.legal li { margin-bottom: 6px; }
.legal .callout { background: var(--accent-soft); border: 1px solid #bfe3da; border-radius: var(--radius-sm); padding: 18px 20px; margin: 20px 0; }
.legal .callout p { color: var(--ink); }
.legal .callout p:last-child { margin-bottom: 0; }
.meta { color: var(--muted); font-size: 0.95rem; }
.toc { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 16px 20px; margin: 24px 0; }
.toc p { font-weight: 700; margin-bottom: 6px; color: var(--ink); }
.toc ul { margin: 0; }

/* Footer */
.site-footer { background: var(--brand); color: #d7e2ee; padding: 56px 0 24px; margin-top: 0; }
.site-footer a { color: #fff; }
.site-footer a:hover { color: #9fe3d4; }
.site-footer address { font-style: normal; margin-bottom: 1em; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 32px; }
.footer-brand { font-weight: 800; letter-spacing: 0.08em; color: #fff; font-size: 1.2rem; }
.footer-head { font-weight: 700; color: #fff; margin-bottom: 0.6em; }
.footer-hours { font-size: 0.93rem; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 8px; }
.footer-legal { border-top: 1px solid rgba(255, 255, 255, 0.15); margin-top: 32px; padding-top: 20px; }
.footer-legal p { font-size: 0.88rem; margin: 0; color: #b9c8d8; }

/* Responsive */
@media (max-width: 900px) {
  .hero-inner, .two-col, .form-layout { grid-template-columns: 1fr; gap: 28px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid > div:first-child { grid-column: 1 / -1; }
}
@media (max-width: 720px) {
  body { font-size: 16px; }
  .wrap { padding: 0 16px; }
  .nav-link { display: none; }
  .section { padding: 56px 0; }
  .section-tight { padding: 24px 0 56px; }
  .hero { padding: 48px 0 56px; }
  .field-row { grid-template-columns: 1fr; gap: 0; }
  .form-panel, .side-panel { padding: 22px; }
  .facts li { grid-template-columns: 1fr; gap: 2px; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; }
}