:root{
  --navy:#102a43;
  --blue:#1f5f99;
  --light:#f5f8fb;
  --ink:#1d2935;
  --muted:#5d6b78;
  --border:#dce4ec;
  --white:#fff;
  --shadow:0 14px 38px rgba(16,42,67,.10);
  --radius:18px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);line-height:1.6;background:#fff}
a{color:var(--blue)}
.container{width:min(1120px,92%);margin:auto}
.narrow{width:min(790px,92%)}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--border)}
.nav-wrap{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:25px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;font-size:1.18rem;letter-spacing:-.02em}
.brand-mark{display:grid;place-items:center;width:40px;height:40px;border-radius:12px;background:var(--navy);color:#fff;font-size:.86rem}
.brand-accent{color:var(--blue)}
.site-nav{display:flex;align-items:center;gap:24px}
.site-nav a{text-decoration:none;color:var(--ink);font-weight:650;font-size:.95rem}
.site-nav a:hover{color:var(--blue)}
.menu-toggle{display:none;background:none;border:0;font-size:1.6rem;cursor:pointer}
.hero{padding:82px 0 72px;background:linear-gradient(135deg,#f8fbfd,#edf4f9)}
.hero-grid{display:grid;grid-template-columns:1.18fr .82fr;gap:58px;align-items:center}
.eyebrow{font-size:.78rem;font-weight:800;letter-spacing:.16em;color:var(--blue)}
h1,h2,h3{color:var(--navy);line-height:1.16;margin-top:0}
h1{font-size:clamp(2.55rem,6vw,4.8rem);letter-spacing:-.045em;margin:15px 0 22px}
.page-hero h1{font-size:clamp(2.4rem,5vw,4rem)}
h2{font-size:clamp(1.65rem,3vw,2.5rem);letter-spacing:-.025em}
h3{font-size:1.13rem}
.lead{font-size:1.18rem;color:var(--muted);max-width:710px}
.hero-actions{display:flex;gap:13px;flex-wrap:wrap;margin:30px 0 12px}
.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:11px;padding:13px 20px;font-weight:750;text-decoration:none;border:1px solid transparent;cursor:pointer;font:inherit}
.btn-primary{background:var(--navy);color:#fff}
.btn-primary:hover{background:#0a2034}
.btn-secondary{border-color:var(--border);background:#fff;color:var(--navy)}
.btn-light{background:#fff;color:var(--navy)}
.btn-block{display:flex;width:100%}
.microcopy,.muted{font-size:.9rem;color:var(--muted)}
.hero-panel,.form-card,.sidebar-card,.check-panel{background:#fff;border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow)}
.hero-panel{padding:30px}
.quick-links{display:grid;grid-template-columns:1fr 1fr;gap:11px;margin-top:20px}
.quick-links a{padding:14px;border:1px solid var(--border);border-radius:11px;text-decoration:none;color:var(--ink);font-weight:650;background:#fafcfe}
.quick-links a:hover{border-color:#a9bfd2;background:#f0f6fa}
.section{padding:78px 0}
.section-muted{background:var(--light)}
.section-heading{max-width:780px;margin-bottom:34px}
.card-grid{display:grid;gap:20px}
.card-grid.three{grid-template-columns:repeat(3,1fr)}
.info-card,.practice-card{border:1px solid var(--border);border-radius:var(--radius);padding:26px;background:#fff}
.info-card{box-shadow:0 8px 24px rgba(16,42,67,.06)}
.card-number{font-weight:850;color:var(--blue);margin-bottom:25px}
.practice-card p{color:var(--muted)}
.practice-card a{font-weight:750;text-decoration:none}
.split{display:grid;grid-template-columns:1fr 1fr;gap:55px;align-items:start}
.check-panel{padding:26px;display:grid;gap:13px}
.check-panel div{padding:13px;background:var(--light);border-radius:10px;font-weight:650}
.cta-section{padding-top:30px}
.cta-box{background:var(--navy);color:#fff;border-radius:24px;padding:42px;display:flex;align-items:center;justify-content:space-between;gap:25px}
.cta-box h2,.cta-box .eyebrow{color:#fff;margin-bottom:0}
.page-hero{padding:68px 0 52px;background:var(--light);border-bottom:1px solid var(--border)}
.page-hero p{font-size:1.08rem;color:var(--muted)}
.form-layout{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:30px;align-items:start}
.form-card{padding:30px}
.form-card label{display:grid;gap:7px;font-weight:700;margin-bottom:20px;color:var(--navy)}
.form-card input,.form-card select,.form-card textarea{width:100%;padding:13px 14px;border:1px solid #bcc9d4;border-radius:9px;font:inherit;color:var(--ink);background:#fff}
.form-card input:focus,.form-card select:focus,.form-card textarea:focus{outline:3px solid rgba(31,95,153,.14);border-color:var(--blue)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form-notice{padding:14px 16px;background:#fff8e8;border:1px solid #ead9a9;border-radius:10px;margin-bottom:24px;color:#594a22}
.checkbox-row{grid-template-columns:auto 1fr!important;align-items:start;color:var(--ink)!important;font-weight:500!important}
.checkbox-row input{width:18px;height:18px;margin-top:4px}
.form-response{margin-top:16px;font-weight:700}
.sidebar-card{padding:25px;position:sticky;top:100px}
.sidebar-card p{color:var(--muted)}
.plain-list{padding-left:20px}
.plain-list li{margin-bottom:9px}
.legal-copy{max-width:850px}
.legal-copy h2{font-size:1.35rem;margin-top:34px}
.legal-copy p{color:#3d4c59}
.site-footer{background:#0d2133;color:#c9d5df;margin-top:30px;padding:56px 0 25px}
.footer-grid{display:grid;grid-template-columns:1.5fr .7fr .7fr;gap:40px}
.site-footer h3,.footer-brand{color:#fff}
.footer-brand{font-weight:850;font-size:1.25rem}
.site-footer a{display:block;color:#dce7ef;text-decoration:none;margin:7px 0}
.footer-legal{border-top:1px solid rgba(255,255,255,.13);margin-top:35px;padding-top:22px;font-size:.84rem;color:#aabac7}
@media(max-width:820px){
  .menu-toggle{display:block}
  .site-nav{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;border-bottom:1px solid var(--border);padding:16px 4%;flex-direction:column;align-items:flex-start}
  .site-nav.open{display:flex}
  .hero{padding-top:55px}
  .hero-grid,.split,.form-layout{grid-template-columns:1fr}
  .card-grid.three{grid-template-columns:1fr 1fr}
  .sidebar-card{position:static}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:560px){
  .quick-links,.form-row,.card-grid.three,.footer-grid{grid-template-columns:1fr}
  .cta-box{align-items:flex-start;flex-direction:column}
  .hero-panel,.form-card{padding:22px}
  h1{font-size:2.6rem}
}