:root {
  --navy: #041b50;
  --navy-soft: #0b2a6b;
  --teal: #12a8a2;
  --teal-dark: #0b7f7a;      /* teal for text on white (passes contrast) */
  --bg: #ffffff;
  --bg-alt: #f2f7fa;
  --card: #ffffff;
  --border: #d9e3ec;
  --text: #041b50;
  --muted: #4b5b7a;
  --radius: 14px;
  --max: 1080px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
a { color: var(--teal-dark); text-decoration: none; }
a:hover { text-decoration: underline; }
img, svg { max-width: 100%; display: block; }

.wrap { max-width: var(--max); margin: 0 auto; padding: 0 20px; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 10;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 68px; }
.brand { display: flex; align-items: center; gap: 10px; }
.brand:hover { text-decoration: none; }
.brand img.mark { width: 38px; height: 38px; }
.brand img.wordmark { height: 17px; width: auto; }
.nav ul { list-style: none; display: flex; gap: 4px; margin: 0; padding: 0; }
.nav ul a {
  display: block; padding: 8px 14px; border-radius: 8px;
  color: var(--muted); font-size: 0.95rem; font-weight: 500;
}
.nav ul a:hover { color: var(--navy); background: var(--bg-alt); text-decoration: none; }
.nav ul a[aria-current="page"] { color: var(--navy); background: var(--bg-alt); box-shadow: inset 0 -2px 0 var(--teal); }

/* Buttons */
.btn {
  display: inline-block; padding: 12px 24px; border-radius: 10px;
  font-weight: 600; border: 2px solid transparent; cursor: pointer; font-size: 1rem;
  transition: transform .15s, background .15s, color .15s;
}
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn-primary { background: var(--navy); color: #fff; }
.btn-primary:hover { background: var(--navy-soft); }
.btn-ghost { border-color: var(--teal); color: var(--teal-dark); background: transparent; }
.btn-ghost:hover { background: var(--teal); color: #fff; }

/* Hero */
.hero { padding: 80px 0 72px; position: relative; overflow: hidden; background: linear-gradient(180deg, #fff 0%, var(--bg-alt) 100%); }
.hero-grid { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 40px; align-items: center; }
.eyebrow { color: var(--teal-dark); font-weight: 700; font-size: 0.85rem; letter-spacing: 0.14em; text-transform: uppercase; }
.hero h1 { font-size: clamp(2.2rem, 5vw, 3.5rem); line-height: 1.1; margin: 14px 0 20px; max-width: 17ch; }
.hero h1 span { color: var(--teal-dark); }
.hero p.lead { font-size: 1.2rem; color: var(--muted); max-width: 58ch; margin: 0 0 32px; }
.hero .actions { display: flex; flex-wrap: wrap; gap: 12px; }
.hero-logo { display: grid; place-items: center; }
.hero-logo img { width: min(100%, 380px); height: auto; }

/* Sections */
section { padding: 72px 0; }
section.alt { background: var(--bg-alt); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
h2 { font-size: clamp(1.6rem, 3vw, 2.1rem); margin: 0 0 12px; line-height: 1.2; }
h2::after { content: ""; display: block; width: 44px; height: 4px; border-radius: 2px; background: var(--teal); margin-top: 12px; }
.cta h2::after { margin-left: auto; margin-right: auto; }
h3 { margin: 0 0 8px; font-size: 1.15rem; }
.section-intro { color: var(--muted); max-width: 62ch; margin: 0 0 36px; }

.grid { display: grid; gap: 22px; }
.grid-3 { grid-template-columns: repeat(auto-fit, minmax(290px, 1fr)); }
.grid-2 { grid-template-columns: repeat(auto-fit, minmax(340px, 1fr)); }

.card {
  background: var(--card); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 28px; transition: border-color .2s, transform .2s, box-shadow .2s;
}
.card:hover { border-color: var(--teal); transform: translateY(-2px); box-shadow: 0 10px 30px rgba(4, 27, 80, 0.08); }
.card p { color: var(--muted); margin: 0; }

/* Diamond icons, echoing the logo */
.diamond {
  width: 52px; height: 52px; margin: 6px 0 26px 6px;
  border-radius: 9px; background: var(--navy);
  transform: rotate(45deg); display: grid; place-items: center;
}
.diamond.teal { background: var(--teal); }
.diamond svg { width: 26px; height: 26px; transform: rotate(-45deg); fill: none; stroke: #fff; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.diamond.teal svg { stroke: var(--navy); }

.tag {
  display: inline-block; font-size: 0.75rem; padding: 3px 11px; border-radius: 999px;
  border: 1px solid var(--border); color: var(--muted); margin: 16px 6px 0 0; background: var(--bg-alt);
}
.status { color: var(--teal-dark); font-size: 0.8rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; }
.steps .card { border-top: 4px solid var(--navy); }
.steps .card:nth-child(2) { border-top-color: var(--teal); }

/* Page heading */
.page-head { padding: 72px 20px 24px; }
.page-head h1 { font-size: clamp(2rem, 4.5vw, 3rem); margin: 8px 0 12px; }
.page-head p { color: var(--muted); max-width: 62ch; margin: 0; font-size: 1.1rem; }

/* Contact */
.contact-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 18px; }
.contact-list li { display: flex; gap: 14px; border-left: 3px solid var(--teal); padding-left: 16px; }
.contact-list strong { display: block; }
.contact-list span { color: var(--muted); }
form { display: grid; gap: 16px; }
label { font-weight: 600; font-size: 0.92rem; display: grid; gap: 6px; }
input, textarea, select {
  font: inherit; color: var(--text); background: #fff; border: 1px solid #bccadb;
  border-radius: 10px; padding: 12px 14px; width: 100%;
}
input:focus, textarea:focus, select:focus { outline: 3px solid rgba(18,168,162,0.35); border-color: var(--teal); }
textarea { min-height: 150px; resize: vertical; }
.note { color: var(--muted); font-size: 0.88rem; }
.note.mt { margin-top: 24px; }

/* Legal */
.legal-layout { display: grid; grid-template-columns: 220px 1fr; gap: 48px; padding: 24px 0 72px; }
.toc { position: sticky; top: 92px; align-self: start; }
.toc ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 4px; }
.toc a { display: block; padding: 6px 12px; border-left: 3px solid var(--border); color: var(--muted); font-size: 0.93rem; }
.toc a:hover { color: var(--navy); border-color: var(--teal); text-decoration: none; }
.legal h2 { margin-top: 48px; padding-top: 8px; font-size: 1.6rem; scroll-margin-top: 90px; }
.legal h2:first-of-type { margin-top: 8px; }
.legal h3 { margin-top: 24px; }
.legal p, .legal li { color: #2b3b5e; }
.legal ul { padding-left: 22px; }
.legal table { width: 100%; border-collapse: collapse; margin: 12px 0; }
.legal td { border: 1px solid var(--border); padding: 10px 14px; vertical-align: top; color: #2b3b5e; }
.legal td:first-child { width: 36%; color: var(--navy); font-weight: 600; background: var(--bg-alt); }
.updated { color: var(--muted); font-size: 0.9rem; margin-top: 0; }

/* Footer */
.site-footer { background: var(--navy); color: #c5d0e6; padding: 44px 0; font-size: 0.92rem; }
.site-footer strong { color: #fff; }
.footer-grid { display: flex; flex-wrap: wrap; gap: 28px; justify-content: space-between; align-items: flex-start; }
.footer-links { display: flex; gap: 18px; flex-wrap: wrap; }
.footer-links a { color: #c5d0e6; }
.footer-links a:hover { color: #fff; }

/* CTA band */
.cta { text-align: center; }
.cta p { color: var(--muted); max-width: 52ch; margin: 0 auto 24px; }

@media (max-width: 800px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-logo { order: -1; }
  .hero-logo img { width: 200px; }
  .nav ul a { padding: 8px 9px; font-size: 0.88rem; }
  .brand img.wordmark { display: none; }
  .legal-layout { grid-template-columns: 1fr; gap: 12px; }
  .toc { position: static; }
  .toc ul { grid-template-columns: 1fr 1fr; }
  .hero { padding: 48px 0 48px; }
}
@media (prefers-reduced-motion: reduce) {
  * { transition: none !important; scroll-behavior: auto !important; }
}

.logo-404 { margin-bottom: 16px; }

.card.featured { grid-column: 1 / -1; display: grid; grid-template-columns: 1.2fr 0.8fr; gap: 32px; align-items: center; }
.card.featured img { width: 100%; height: auto; }
.card.featured .card-link { margin-top: 22px; }
.card.featured .btn-primary { color: #fff; }
@media (max-width: 800px) { .card.featured { grid-template-columns: 1fr; } .card.featured img { order: -1; max-width: 420px; } }