:root {
  --bg: #ffffff;
  --surface: #f7f9fc;
  --surface-2: #eef3f8;
  --text: #102033;
  --muted: #556476;
  --line: #d7e0ea;
  --navy: #123255;
  --blue: #295f96;
  --blue-soft: #edf5ff;
  --shadow: 0 10px 30px rgba(16, 32, 51, 0.08);
  --radius: 18px;
  --radius-sm: 12px;
  --max: 1120px;
  --max-narrow: 780px;
}

*,
*::before,
*::after {
  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(--text);
  background: var(--bg);
  line-height: 1.65;
  text-rendering: optimizeLegibility;
}

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

a {
  color: var(--blue);
  text-decoration-thickness: 0.08em;
  text-underline-offset: 0.18em;
}

a:hover,
a:focus-visible {
  color: var(--navy);
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--navy);
  color: #fff;
  padding: 0.75rem 1rem;
  z-index: 1000;
}

.skip-link:focus {
  left: 1rem;
  top: 1rem;
}

.container {
  width: min(100% - 2rem, var(--max));
  margin-inline: auto;
}

.narrow {
  width: min(100%, var(--max-narrow));
  margin-inline: auto;
}

.section {
  padding: 2.5rem 0 4rem;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 4.25rem;
  gap: 1rem;
}

.brand {
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.02em;
  text-decoration: none;
}

.site-nav ul,
.footer-nav {
  list-style: none;
  margin: 0;
  padding: 0;
}

.site-nav ul {
  display: flex;
  gap: 1rem;
}

.site-nav a,
.footer-nav a {
  color: var(--text);
  text-decoration: none;
  font-weight: 600;
}

.site-nav a:hover,
.site-nav a:focus-visible,
.footer-nav a:hover,
.footer-nav a:focus-visible,
.site-nav a[aria-current="page"] {
  color: var(--blue);
}

.nav-toggle {
  display: none;
  border: 1px solid var(--line);
  background: #fff;
  border-radius: 10px;
  padding: 0.55rem;
  cursor: pointer;
}

.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--navy);
  margin: 4px 0;
}

.hero {
  padding: 3rem 0 1.5rem;
  background:
    linear-gradient(to bottom, rgba(237, 245, 255, 0.75), rgba(255, 255, 255, 0));
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.35fr 0.9fr;
  gap: 1.5rem;
  align-items: start;
}

.eyebrow {
  color: var(--blue);
  font-size: 0.88rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin: 0 0 0.5rem;
}

h1,
h2,
h3 {
  color: var(--navy);
  line-height: 1.18;
  letter-spacing: -0.02em;
  margin-top: 0;
}

h1 {
  font-size: clamp(2rem, 4vw, 3.35rem);
  margin-bottom: 1rem;
}

h2 {
  font-size: clamp(1.35rem, 2.2vw, 2rem);
  margin: 2.25rem 0 0.9rem;
}

h3 {
  font-size: 1.1rem;
  margin-bottom: 0.6rem;
}

p,
li,
td,
th,
label,
input,
textarea,
button {
  font-size: 1rem;
}

.lede {
  font-size: 1.08rem;
  color: var(--text);
  max-width: 70ch;
}

.card,
.notice,
.quick-answer,
.disclaimer {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.card,
.notice,
.quick-answer,
.disclaimer {
  padding: 1.15rem 1.15rem 1.2rem;
}

.quick-answer h2,
.notice h2 {
  margin-top: 0;
}

.trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
  margin-top: 1.25rem;
}

.badge {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  background: var(--blue-soft);
  color: var(--navy);
  border: 1px solid #cfe0f5;
  border-radius: 999px;
  padding: 0.45rem 0.8rem;
  font-size: 0.92rem;
  font-weight: 700;
}

.notice {
  background: var(--surface);
}

.breadcrumbs {
  padding: 1rem 0 0;
}

.breadcrumbs ol {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 0.45rem;
  padding: 0;
  margin: 0;
  color: var(--muted);
  font-size: 0.95rem;
}

.breadcrumbs li + li::before {
  content: "/";
  margin-right: 0.45rem;
  color: var(--muted);
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  margin-top: 1rem;
}

.process-card h3 {
  color: var(--navy);
}

.table-wrap {
  overflow-x: auto;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  background: #fff;
}

table {
  width: 100%;
  border-collapse: collapse;
  min-width: 620px;
}

th,
td {
  padding: 0.9rem 1rem;
  text-align: left;
  border-bottom: 1px solid var(--line);
  vertical-align: top;
}

th {
  background: var(--surface);
  color: var(--navy);
}

.content-list {
  padding-left: 1.15rem;
}

.faq-list {
  display: grid;
  gap: 0.85rem;
  margin-top: 1rem;
}

.faq-item {
  padding: 0;
  overflow: hidden;
}

.faq-question {
  width: 100%;
  text-align: left;
  border: 0;
  background: #fff;
  color: var(--navy);
  padding: 1rem 1.15rem;
  font-weight: 800;
  cursor: pointer;
}

.faq-question:hover,
.faq-question:focus-visible {
  background: var(--surface);
}

.faq-question::after {
  content: "+";
  float: right;
  color: var(--blue);
}

.faq-item.is-open .faq-question::after {
  content: "−";
}

.faq-answer {
  display: none;
  padding: 0 1.15rem 1.1rem;
  border-top: 1px solid var(--line);
}

.faq-item.is-open .faq-answer {
  display: block;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--navy);
  color: #fff;
  text-decoration: none;
  border: 0;
  border-radius: 999px;
  padding: 0.8rem 1.1rem;
  font-weight: 700;
  cursor: pointer;
  transition: background-color 0.18s ease, transform 0.18s ease;
}

.button:hover,
.button:focus-visible {
  background: var(--blue);
  color: #fff;
  transform: translateY(-1px);
}

.card-stack {
  display: grid;
  gap: 1rem;
  margin-top: 1rem;
}

.contact-form {
  display: grid;
  gap: 1rem;
}

.form-row {
  display: grid;
  gap: 0.4rem;
}

label {
  font-weight: 700;
  color: var(--navy);
}

input,
textarea {
  width: 100%;
  padding: 0.85rem 0.95rem;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: #fff;
  color: var(--text);
}

input:focus,
textarea:focus {
  outline: 2px solid rgba(41, 95, 150, 0.18);
  border-color: var(--blue);
}

.form-note {
  color: var(--muted);
  margin-top: 0.8rem;
}

.center-card {
  text-align: center;
}

.site-footer {
  border-top: 1px solid var(--line);
  background: var(--surface);
  padding: 1.5rem 0;
  margin-top: 2rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.35fr auto auto;
  gap: 1rem;
  align-items: center;
}

.footer-title {
  font-weight: 800;
  color: var(--navy);
  margin: 0 0 0.35rem;
}

.footer-nav {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

.copyright {
  color: var(--muted);
  white-space: nowrap;
}

@media (max-width: 900px) {
  .hero-grid,
  .process-grid,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    align-items: start;
  }
}

@media (max-width: 760px) {
  .nav-toggle {
    display: inline-block;
  }

  .site-nav {
    position: absolute;
    top: calc(100% + 1px);
    left: 0;
    right: 0;
    background: #fff;
    border-bottom: 1px solid var(--line);
    display: none;
  }

  .site-nav.is-open {
    display: block;
  }

  .site-nav ul {
    flex-direction: column;
    gap: 0;
    padding: 0.5rem 1rem 1rem;
  }

  .site-nav li + li {
    border-top: 1px solid var(--line);
  }

  .site-nav a {
    display: block;
    padding: 0.9rem 0;
  }

  .hero {
    padding-top: 2rem;
  }

  .section {
    padding: 2rem 0 3rem;
  }

  table {
    min-width: 540px;
  }
}