:root {
  --ink: #13243a;
  --muted: #536477;
  --navy: #102a43;
  --blue: #1769aa;
  --blue-dark: #0d4f85;
  --sky: #eaf5fc;
  --ice: #f6fafc;
  --white: #ffffff;
  --line: #d8e4ec;
  --amber: #f3b33d;
  --shadow: 0 20px 50px rgba(16, 42, 67, .12);
  --radius: 18px;
  --max: 1160px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.65;
}
a { color: var(--blue-dark); }
a:hover { color: var(--blue); }
img { max-width: 100%; display: block; }
.container { width: min(calc(100% - 40px), var(--max)); margin: 0 auto; }
.skip-link { position: absolute; left: -999px; top: 8px; z-index: 999; background: var(--navy); color: white; padding: 10px 14px; }
.skip-link:focus { left: 8px; }

.disclosure-bar { background: var(--navy); color: #e7f1f8; font-size: .85rem; padding: 8px 0; text-align: center; }
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.96); border-bottom: 1px solid var(--line); backdrop-filter: blur(12px); }
.nav-wrap { min-height: 74px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: center; gap: 11px; color: var(--navy); font-weight: 800; font-size: 1.1rem; text-decoration: none; letter-spacing: -.02em; }
.brand-mark { width: 34px; height: 34px; border-radius: 9px; display: grid; grid-template-columns: 1fr 1fr; gap: 3px; padding: 6px; background: var(--blue); box-shadow: inset 0 0 0 2px rgba(255,255,255,.35); }
.brand-mark span { background: rgba(255,255,255,.92); border-radius: 1px; }
.nav-links { display: flex; align-items: center; gap: 24px; }
.nav-links a { color: var(--ink); text-decoration: none; font-weight: 650; font-size: .95rem; }
.nav-links a[aria-current="page"] { color: var(--blue); }
.nav-toggle { display: none; border: 1px solid var(--line); background: white; border-radius: 10px; padding: 9px 12px; color: var(--ink); font: inherit; font-weight: 700; }

.button { display: inline-flex; align-items: center; justify-content: center; min-height: 48px; padding: 12px 20px; border-radius: 11px; background: var(--blue); color: white; text-decoration: none; border: 2px solid var(--blue); font-weight: 800; cursor: pointer; transition: transform .18s ease, background .18s ease; }
.button:hover { background: var(--blue-dark); color: white; transform: translateY(-1px); }
.button.secondary { background: transparent; color: var(--navy); border-color: #a8bdcc; }
.button.secondary:hover { background: white; color: var(--blue-dark); }

.hero { overflow: hidden; padding: 24px 0 0; background: linear-gradient(125deg, var(--ice) 0%, var(--sky) 55%, #dff1fb 100%); border-bottom: 1px solid var(--line); }
.hero-grid { display: grid; grid-template-columns: 1.06fr .94fr; align-items: start; gap: 56px; padding: 20px 0 56px; }
.eyebrow { display: inline-block; margin-bottom: 12px; color: var(--blue-dark); font-size: .82rem; font-weight: 850; letter-spacing: .11em; text-transform: uppercase; }
h1, h2, h3 { color: var(--navy); line-height: 1.14; letter-spacing: -.035em; }
h1 { font-size: clamp(2.55rem, 5vw, 4.75rem); margin: 0 0 22px; max-width: 12ch; }
.hero h1 { font-size: clamp(2.55rem, 4.4vw, 4.15rem); }
h2 { font-size: clamp(2rem, 3.4vw, 3.15rem); margin: 0 0 18px; }
h3 { font-size: 1.25rem; margin: 0 0 10px; }
.hero-copy > p { max-width: 620px; color: var(--muted); font-size: 1.16rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin: 30px 0 18px; }
.microcopy { font-size: .88rem !important; color: var(--muted); }
.hero-visual { margin: 0; position: relative; border-radius: 28px; background: white; box-shadow: var(--shadow); overflow: hidden; }
.hero-visual img { width: 100%; min-height: 390px; aspect-ratio: 4 / 3; object-fit: cover; object-position: center; }
.hero-visual figcaption { position: relative; margin: -38px 20px 20px; padding: 20px 22px; border-radius: 16px; background: white; box-shadow: 0 14px 34px rgba(11, 33, 53, .18); color: var(--navy); }
.hero-visual figcaption strong { display: block; font-size: 1.08rem; line-height: 1.35; }
.hero-visual figcaption small { display: block; margin-top: 7px; color: var(--muted); }
.caption-kicker { display: block; margin-bottom: 5px; color: var(--blue); font-size: .72rem; font-weight: 850; letter-spacing: .1em; text-transform: uppercase; }
.trust-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin-top: -35px; position: relative; z-index: 5; }
.trust-item { background: white; padding: 20px; border: 1px solid var(--line); box-shadow: 0 12px 32px rgba(16,42,67,.08); border-radius: 14px; font-weight: 750; color: var(--navy); }
.trust-item span { display: block; color: var(--blue); font-size: .78rem; letter-spacing: .09em; text-transform: uppercase; margin-bottom: 3px; }

section { padding: 92px 0; }
.section-intro { max-width: 720px; margin-bottom: 38px; }
.section-intro p { color: var(--muted); font-size: 1.08rem; }
.steps, .card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.step, .card { border: 1px solid var(--line); background: white; border-radius: var(--radius); padding: 28px; }
.step-number { display: grid; place-items: center; width: 38px; height: 38px; border-radius: 50%; background: var(--sky); color: var(--blue-dark); font-weight: 900; margin-bottom: 22px; }
.step p, .card p { color: var(--muted); margin-bottom: 0; }
.visual-explorer { background: #0c2b45; color: white; overflow: hidden; }
.explorer-grid { display: grid; grid-template-columns: .88fr 1.12fr; gap: 66px; align-items: center; }
.explorer-copy h2, .explorer-copy h3 { color: white; }
.explorer-copy > p { color: #c7dce9; max-width: 600px; }
.visual-explorer .eyebrow { color: #78c8f4; }
.explorer-tabs { display: flex; flex-wrap: wrap; gap: 9px; margin: 28px 0 24px; }
.explorer-tab { min-height: 44px; border: 1px solid #44647b; border-radius: 999px; padding: 9px 16px; background: transparent; color: #e8f4fb; font: inherit; font-weight: 750; cursor: pointer; transition: background .2s ease, color .2s ease, border-color .2s ease, transform .2s ease; }
.explorer-tab:hover { border-color: #78c8f4; transform: translateY(-1px); }
.explorer-tab.active { background: white; border-color: white; color: var(--navy); }
.explorer-tab:focus-visible { outline: 3px solid var(--amber); outline-offset: 3px; }
.explorer-detail { min-height: 148px; padding: 21px 22px; border: 1px solid #365a73; border-radius: 16px; background: rgba(255,255,255,.06); }
.explorer-detail span { color: #83ccef; font-size: .74rem; font-weight: 850; letter-spacing: .1em; text-transform: uppercase; }
.explorer-detail h3 { margin: 6px 0 5px; }
.explorer-detail p { margin: 0; color: #d0e1eb; }
.explorer-media { margin: 0; padding: 12px; border-radius: 24px; background: white; box-shadow: 0 24px 60px rgba(0,0,0,.26); transform: rotate(1deg); }
.explorer-media img { width: 100%; aspect-ratio: 8 / 5; object-fit: cover; border-radius: 16px; opacity: 1; transition: opacity .18s ease; }
.explorer-media img.is-changing { opacity: .2; }
.explorer-media figcaption { padding: 11px 7px 4px; color: var(--muted); font-size: .78rem; }
.soft { background: var(--ice); border-block: 1px solid var(--line); }
.notice { border-left: 5px solid var(--amber); background: #fff9eb; padding: 22px 24px; border-radius: 10px; color: #4e3d16; }
.notice strong { color: #372a0d; }
.cta-panel { padding: 44px; border-radius: 24px; background: var(--navy); color: white; display: flex; align-items: center; justify-content: space-between; gap: 30px; }
.cta-panel h2 { color: white; margin-bottom: 8px; }
.cta-panel p { color: #d5e5ef; margin: 0; max-width: 690px; }
.cta-panel .button { background: white; color: var(--navy); border-color: white; flex: 0 0 auto; }

.page-hero { padding: 76px 0 54px; background: var(--ice); border-bottom: 1px solid var(--line); }
.page-hero h1 { font-size: clamp(2.35rem, 4vw, 4rem); max-width: 18ch; }
.page-hero p { max-width: 760px; color: var(--muted); font-size: 1.08rem; }
.legal-layout { display: grid; grid-template-columns: 230px 1fr; gap: 54px; align-items: start; }
.legal-nav { position: sticky; top: 110px; border: 1px solid var(--line); border-radius: 14px; padding: 18px; }
.legal-nav a { display: block; padding: 8px 6px; text-decoration: none; font-weight: 650; font-size: .92rem; }
.legal-copy { max-width: 790px; }
.legal-copy h2 { font-size: 1.75rem; margin-top: 46px; }
.legal-copy h2:first-child { margin-top: 0; }
.legal-copy h3 { margin-top: 28px; }
.legal-copy p, .legal-copy li { color: #3f5061; }
.legal-copy li + li { margin-top: 8px; }
.contact-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 30px; }
.contact-card { border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; }
.contact-card dl { margin: 0; }
.contact-card dt { font-weight: 800; color: var(--navy); margin-top: 18px; }
.contact-card dt:first-child { margin-top: 0; }
.contact-card dd { margin: 3px 0 0; color: var(--muted); }

.site-footer { background: #0b2135; color: #cfdee9; padding: 62px 0 28px; }
.footer-grid { display: grid; grid-template-columns: 1.3fr .7fr .7fr; gap: 50px; }
.site-footer .brand { color: white; }
.site-footer h3 { color: white; font-size: 1rem; letter-spacing: 0; }
.site-footer a { color: #dceaf3; }
.footer-links { display: grid; gap: 8px; }
.footer-links a { text-decoration: none; }
.footer-disclosure { margin-top: 38px; padding-top: 24px; border-top: 1px solid #29445a; font-size: .82rem; line-height: 1.6; color: #aebfcb; }
.footer-bottom { display: flex; justify-content: space-between; gap: 18px; margin-top: 20px; font-size: .82rem; color: #96a9b8; }

@media (max-width: 820px) {
  .nav-toggle { display: inline-flex; }
  .nav-links { display: none; position: absolute; top: 100%; left: 0; right: 0; padding: 18px 20px 24px; background: white; border-bottom: 1px solid var(--line); flex-direction: column; align-items: stretch; }
  .nav-links.open { display: flex; }
  .hero-grid, .contact-grid, .legal-layout, .explorer-grid { grid-template-columns: 1fr; }
  .hero-grid { padding: 18px 0 54px; }
  .hero-visual img { min-height: 300px; }
  .explorer-grid { gap: 38px; }
  .explorer-media { transform: none; }
  .steps, .card-grid { grid-template-columns: 1fr; }
  .trust-row { grid-template-columns: 1fr; margin-top: -24px; }
  .legal-nav { position: static; }
  .cta-panel, .footer-bottom { align-items: flex-start; flex-direction: column; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid > :first-child { grid-column: 1 / -1; }
}

@media (max-width: 520px) {
  .container { width: min(calc(100% - 28px), var(--max)); }
  section { padding: 68px 0; }
  .hero-grid { gap: 34px; }
  .hero-visual figcaption { margin: 0; border-radius: 0; box-shadow: none; border-top: 1px solid var(--line); }
  .explorer-tabs { display: grid; grid-template-columns: 1fr; }
  .hero-actions .button { width: 100%; }
  .cta-panel { padding: 30px 24px; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-grid > :first-child { grid-column: auto; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; }
}