:root {
  --ink: #1b1d20;
  --muted: #555d69;
  --white: #ffffff;
  --line: #e4e8ee;
  --surface: #f4f7fb;
  --brand: #cf2d2d;
  --brand-dark: #a11f1f;
  --steel: #1f2630;
  --max-width: 1120px;
  --radius: 18px;
  --radius-lg: 26px;
  --heading: "DM Serif Display", Georgia, serif;
  --body: "Source Sans 3", "Helvetica Neue", Arial, sans-serif;
  --shadow: 0 18px 48px rgba(15, 23, 42, 0.12);
}

* {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

body {
  font-family: var(--body);
  color: var(--ink);
  background: var(--surface);
  line-height: 1.6;
}

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

a {
  color: inherit;
  text-decoration: none;
}

header {
  background: linear-gradient(135deg, #1f2937 0%, #313f52 52%, #47586e 100%);
  color: var(--white);
  padding-top: 28px;
}

.navbar {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.brand {
  font-family: var(--heading);
  font-size: 1.6rem;
  letter-spacing: 0.01em;
}

.nav-links {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  font-weight: 600;
}

.nav-links a {
  padding-bottom: 4px;
  border-bottom: 2px solid transparent;
  transition: border-color 0.2s ease;
}

.nav-links a:hover {
  border-color: rgba(255, 255, 255, 0.8);
}

.hero {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 68px 24px 88px;
  display: grid;
  grid-template-columns: minmax(0, 1.25fr) minmax(0, 0.75fr);
  gap: 30px;
  align-items: center;
}

.eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-weight: 700;
  font-size: 0.82rem;
  opacity: 0.9;
  margin-bottom: 10px;
}

h1,
.section-title,
h3,
h4 {
  font-family: var(--heading);
  font-weight: 400;
}

.hero h1 {
  font-size: clamp(2.5rem, 4vw, 3.65rem);
  line-height: 1.1;
  margin-bottom: 16px;
}

.hero-subhead {
  color: rgba(255, 255, 255, 0.9);
  font-size: 1.12rem;
  margin-bottom: 28px;
}

.cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 13px 26px;
  border-radius: 999px;
  border: none;
  background: var(--brand);
  color: var(--white);
  font-weight: 700;
  font-family: var(--body);
  font-size: 1rem;
  cursor: pointer;
  box-shadow: var(--shadow);
  transition: transform 0.2s ease, background 0.2s ease;
}

.cta:hover {
  transform: translateY(-2px);
  background: var(--brand-dark);
}

.cta-dark {
  background: #222b37;
}

.cta-dark:hover {
  background: #141a22;
}

.hero-card {
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: var(--radius-lg);
  padding: 24px;
  backdrop-filter: blur(8px);
}

.hero-card h3 {
  margin-bottom: 12px;
  font-size: 1.36rem;
}

.hero-card ul {
  list-style: none;
  display: grid;
  gap: 10px;
}

.hero-card li::before {
  content: "\2022";
  color: #ffd6d6;
  margin-right: 10px;
}

main section {
  padding: 74px 0;
}

.tight-top {
  padding-top: 0;
}

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

.section-title {
  font-size: clamp(2rem, 3.1vw, 2.55rem);
  line-height: 1.15;
  margin-bottom: 14px;
}

.section-title.small {
  font-size: 1.74rem;
}

.section-lead {
  color: var(--muted);
  max-width: 760px;
  margin-bottom: 26px;
}

.split {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
  align-items: start;
}

.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(225px, 1fr));
  gap: 18px;
}

.compact-grid {
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
}

.card,
.panel,
.policy-note {
  border-radius: var(--radius);
  background: var(--white);
  border: 1px solid var(--line);
  box-shadow: 0 8px 24px rgba(15, 23, 42, 0.06);
}

.card {
  padding: 22px;
}

.card h4 {
  margin-bottom: 8px;
  font-size: 1.2rem;
}

.panel {
  padding: 28px;
}

.panel h3 {
  margin-bottom: 8px;
  font-size: 1.35rem;
}

.panel-cta {
  border-left: 5px solid var(--brand);
}

.operation-panel {
  margin-top: 18px;
}

.step-list {
  padding-left: 18px;
  display: grid;
  gap: 8px;
}

.highlight {
  background: linear-gradient(120deg, #fef0f0 0%, #fff6f3 100%);
  border-radius: var(--radius-lg);
  border: 1px solid #f0d1d1;
  padding: 30px;
}

.check-list {
  list-style: none;
  display: grid;
  gap: 10px;
}

.check-list li::before {
  content: "\2713";
  color: var(--brand-dark);
  margin-right: 10px;
}

.contact-block {
  display: grid;
  gap: 6px;
  font-weight: 600;
}

.contact-block a {
  color: inherit;
  text-decoration: underline;
}

.inline-note {
  margin-top: 10px;
  color: var(--muted);
}

.contact-form {
  display: grid;
  gap: 10px;
}

.check-row {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 10px;
  align-items: flex-start;
  margin-top: 4px;
}

.check-row input[type="checkbox"] {
  margin-top: 4px;
  width: 18px;
  height: 18px;
}

.contact-form .check-row label {
  font-weight: 400;
  color: #222c38;
}

.contact-form .check-row.check-required label {
  font-weight: 600;
}

.contact-form label {
  font-weight: 600;
}

.contact-form input:not([type="checkbox"]),
.contact-form textarea {
  width: 100%;
  border: 1px solid #cfd6e0;
  border-radius: 10px;
  padding: 11px 12px;
  font-family: var(--body);
  font-size: 1rem;
  background: #fff;
}

.contact-form textarea {
  resize: vertical;
}

.compliance-box {
  margin-top: 12px;
  border: 1px solid #d8dee8;
  background: #f7f9fc;
  border-radius: 12px;
  padding: 14px;
  display: grid;
  gap: 10px;
}

.compliance-box ul {
  padding-left: 20px;
  color: #283444;
}

.compliance-box a {
  color: #174a99;
  text-decoration: underline;
}

.policy-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 18px;
}

.policy-note {
  padding: 20px;
}

.policy-note h3 {
  font-size: 1.3rem;
  margin-bottom: 8px;
}

.policy-note a {
  color: #173f8a;
  font-weight: 700;
}

.page-header {
  padding: 58px 0 48px;
  background: linear-gradient(135deg, #eef2f7 0%, #f7f9fc 100%);
  color: var(--ink);
}

.page-header h1 {
  font-size: clamp(2.2rem, 3.2vw, 3rem);
  margin-bottom: 10px;
}

.intro-title {
  font-family: var(--heading);
  font-size: 1.55rem;
  margin-bottom: 8px;
}

footer {
  margin-top: 70px;
  background: var(--steel);
  color: #d9e0ea;
  padding: 48px 0 30px;
}

.footer-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 24px;
}

.footer-brand {
  font-size: 1.5rem;
  margin-bottom: 10px;
  color: var(--white);
}

.footer-links {
  display: grid;
  gap: 7px;
}

.footer-links a:hover {
  color: var(--white);
}

.subfooter {
  border-top: 1px solid rgba(255, 255, 255, 0.16);
  margin-top: 22px;
  padding-top: 16px;
  color: #b4becb;
  font-size: 0.92rem;
}

@media (max-width: 920px) {
  .hero {
    grid-template-columns: 1fr;
  }

  .nav-links {
    gap: 14px;
  }
}

@media (max-width: 640px) {
  .navbar {
    align-items: flex-start;
    flex-direction: column;
  }

  .cta {
    width: 100%;
  }
}