:root{
  --navy:#0b1f3a;
  --navy-2:#12305e;
  --navy-3:#1c3f78;
  --lime:#c6e83f;
  --lime-soft:#eef9c8;
  --yellow:#ffd60a;
  --yellow-soft:#fff6c2;
  --ink:#16223a;
  --muted:#4b5872;
  --bg:#fbfcf7;
  --card:#ffffff;
  --line:#e3e8ef;
  --radius:18px;
  --shadow:0 10px 30px rgba(11,31,58,.08);
  --serif:"Iowan Old Style","Palatino Linotype",Palatino,Georgia,"Times New Roman",serif;
  --sans:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy-3)}
a:focus-visible,.btn:focus-visible{outline:3px solid var(--yellow);outline-offset:3px;border-radius:6px}
.wrap{max-width:1140px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:0;background:var(--yellow);color:var(--navy);padding:10px 16px;z-index:10;font-weight:700}
.skip:focus{left:12px;top:12px}

/* header */
.site-header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:5;border-bottom:4px solid var(--lime)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;padding-top:14px;padding-bottom:14px}
.brand{display:flex;align-items:center;gap:12px;color:#fff;text-decoration:none}
.brand img{width:40px;height:40px}
.brand strong{font-family:var(--serif);font-size:1.3rem;letter-spacing:.3px;display:block;line-height:1.1}
.brand span{font-size:.78rem;color:var(--lime);letter-spacing:2px;text-transform:uppercase}
.nav{display:flex;gap:6px;flex-wrap:wrap}
.nav a{color:#e6ecf7;text-decoration:none;padding:8px 12px;border-radius:999px;font-size:.95rem}
.nav a:hover{background:rgba(255,255,255,.08);color:#fff}
.nav a.cta{background:var(--yellow);color:var(--navy);font-weight:700}
.nav a.cta:hover{background:var(--lime)}

/* hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 62%,var(--navy-3) 100%);color:#fff;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;bottom:-160px;width:420px;height:420px;border-radius:50%;background:var(--lime);opacity:.12}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:center;padding-top:64px;padding-bottom:72px;position:relative;z-index:1}
.eyebrow{display:inline-block;background:rgba(198,232,63,.15);color:var(--lime);border:1px solid rgba(198,232,63,.4);padding:6px 14px;border-radius:999px;font-size:.85rem;letter-spacing:.5px;font-weight:600}
.hero h1{font-family:var(--serif);font-size:clamp(2.1rem,4.4vw,3.4rem);line-height:1.12;margin:18px 0 18px}
.hero h1 em{font-style:normal;color:var(--yellow)}
.hero p.lead{font-size:1.15rem;color:#d3dcec;max-width:34em;margin:0 0 28px}
.btn{display:inline-block;padding:14px 26px;border-radius:999px;font-weight:700;text-decoration:none;transition:transform .15s ease,background .15s ease}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:var(--yellow);color:var(--navy)}
.btn-primary:hover{background:var(--lime)}
.btn-ghost{color:#fff;border:2px solid rgba(255,255,255,.35);margin-left:10px}
.btn-ghost:hover{border-color:var(--lime);color:var(--lime)}
.hero-art{background:#fff;border-radius:28px;padding:14px;box-shadow:0 24px 60px rgba(0,0,0,.3);transform:rotate(1.2deg)}
.hero-art img{border-radius:18px}
.trust{display:flex;flex-wrap:wrap;gap:22px;margin-top:34px;font-size:.92rem;color:#c6d1e4}
.trust span::before{content:"✓";color:var(--lime);font-weight:800;margin-right:8px}

/* sections */
section{padding:80px 0}
.section-head{max-width:640px;margin-bottom:40px}
.section-head .kicker{color:var(--navy-3);font-weight:700;letter-spacing:2px;text-transform:uppercase;font-size:.8rem}
.section-head h2{font-family:var(--serif);font-size:clamp(1.8rem,3vw,2.4rem);color:var(--navy);margin:8px 0 12px;line-height:1.2}
.section-head p{color:var(--muted);margin:0}

.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow);position:relative;transition:transform .2s ease,border-color .2s ease}
.card:hover{transform:translateY(-4px);border-color:var(--lime)}
.card .icon{width:52px;height:52px;border-radius:14px;display:grid;place-items:center;font-size:1.5rem;margin-bottom:16px;background:var(--yellow-soft)}
.card:nth-child(3n+2) .icon{background:var(--lime-soft)}
.card:nth-child(3n) .icon{background:#e6edf8}
.card h3{margin:0 0 8px;color:var(--navy);font-size:1.15rem}
.card p{margin:0;color:var(--muted);font-size:.97rem}

.band{background:var(--lime-soft)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.checklist{list-style:none;padding:0;margin:0;display:grid;gap:14px}
.checklist li{background:#fff;border-radius:14px;padding:16px 18px 16px 52px;position:relative;border:1px solid #dbeaa4}
.checklist li::before{content:"";position:absolute;left:18px;top:19px;width:20px;height:20px;border-radius:50%;background:var(--navy)}
.checklist li::after{content:"";position:absolute;left:24px;top:24px;width:8px;height:5px;border-left:2px solid var(--lime);border-bottom:2px solid var(--lime);transform:rotate(-45deg)}
.checklist strong{color:var(--navy)}

.steps{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.step{background:#fff;border-radius:var(--radius);padding:24px;border-top:5px solid var(--yellow);box-shadow:var(--shadow)}
.step:nth-child(even){border-top-color:var(--lime)}
.step::before{counter-increment:step;content:"0" counter(step);font-family:var(--serif);font-size:2rem;color:var(--navy);font-weight:700;display:block;margin-bottom:6px}
.step h3{margin:0 0 6px;font-size:1.05rem;color:var(--navy)}
.step p{margin:0;color:var(--muted);font-size:.95rem}

.about{display:grid;grid-template-columns:.8fr 1.2fr;gap:48px;align-items:center}
.about-badge{background:var(--navy);color:#fff;border-radius:24px;padding:36px;position:relative;overflow:hidden}
.about-badge::before{content:"";position:absolute;width:180px;height:180px;border-radius:50%;background:var(--yellow);opacity:.18;right:-50px;top:-50px}
.about-badge .big{font-family:var(--serif);font-size:2.6rem;color:var(--yellow);line-height:1}
.about-badge p{color:#cfd9ea;margin:6px 0 22px}
.about-badge p:last-child{margin-bottom:0}

/* contact */
.contact{background:var(--navy);color:#fff}
.contact .section-head h2{color:#fff}
.contact .section-head .kicker{color:var(--lime)}
.contact .section-head p{color:#c6d1e4}
.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.contact-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:var(--radius);padding:26px}
.contact-card h3{margin:0 0 8px;color:var(--lime);font-size:.85rem;letter-spacing:2px;text-transform:uppercase}
.contact-card p{margin:0;font-size:1.1rem}
.contact-card a{color:var(--yellow);text-decoration:none;font-weight:700;word-break:break-word}
.contact-card a:hover{text-decoration:underline}
.contact .note{margin-top:26px;color:#9fb0cc;font-size:.9rem}

/* footer */
.site-footer{background:#071529;color:#9fb0cc;font-size:.9rem;padding:34px 0}
.site-footer .wrap{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
.site-footer a{color:#dfe7f3}
.legal{max-width:640px}

/* privacy page */
.page{padding:60px 0 80px}
.page .wrap{max-width:820px}
.page h1{font-family:var(--serif);color:var(--navy);font-size:2.3rem;margin-top:0}
.page h2{color:var(--navy);font-size:1.25rem;margin-top:32px}

@media (max-width:960px){
  .hero .wrap,.split,.about{grid-template-columns:1fr}
  .grid,.contact-grid{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  .hero-art{max-width:520px;transform:none}
}
@media (max-width:620px){
  body{font-size:16px}
  .grid,.contact-grid,.steps{grid-template-columns:1fr}
  section{padding:60px 0}
  .btn-ghost{margin:12px 0 0}
  .nav{width:100%}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
.flush{margin-bottom:0}.mt{margin-top:14px!important}.sub{color:#9fb0cc;font-size:.95rem}.white{color:#fff}
@media (max-width:620px){.site-header{position:static}.hero .wrap{padding-top:40px}}

/* logo */
.logo-tile{display:inline-grid;place-items:center;background:#fff;border-radius:12px;padding:4px;box-shadow:0 2px 10px rgba(0,0,0,.2)}
.brand .logo-tile img{width:60px;height:60px}
.logo-foot{margin-bottom:12px}.logo-foot img{width:96px;height:96px}
.logo-about{margin-bottom:22px;position:relative;z-index:1}.logo-about img{width:130px;height:130px}
@media (max-width:620px){.brand .logo-tile img{width:52px;height:52px}}

.fraud{margin-top:14px!important;background:rgba(0,0,0,.2);border-left:4px solid var(--yellow);padding:12px 14px;border-radius:8px;max-width:760px}
.fraud strong{color:var(--yellow)}