:root {
  color-scheme: light;
  --navy-950: #031a37;
  --navy-900: #052a59;
  --navy-800: #0a3b77;
  --gold-600: #a97817;
  --gold-500: #c79a39;
  --gold-200: #f1d998;
  --gold-100: #fbf2d8;
  --ink: #142033;
  --muted: #5c6878;
  --line: #dce2ea;
  --surface: #f5f7fa;
  --white: #ffffff;
  --success: #176b48;
  --danger: #a32626;
  --shadow-sm: 0 12px 36px rgb(3 26 55 / 9%);
  --shadow-lg: 0 30px 80px rgb(3 26 55 / 18%);
  --radius-sm: 0.75rem;
  --radius-md: 1.25rem;
  --radius-lg: 2rem;
  --content: 72rem;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  min-width: 18rem;
  color: var(--ink);
  background: var(--white);
  font-family: "Instrument Sans", Inter, ui-sans-serif, system-ui, -apple-system,
    BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 1rem;
  line-height: 1.65;
  text-rendering: optimizeLegibility;
  -webkit-font-smoothing: antialiased;
}

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

a {
  color: var(--navy-800);
  text-decoration-thickness: 0.09em;
  text-underline-offset: 0.18em;
}

a:hover {
  color: var(--gold-600);
}

button,
input,
select,
textarea {
  font: inherit;
}

button,
a {
  -webkit-tap-highlight-color: transparent;
}

:focus-visible {
  outline: 3px solid var(--gold-500);
  outline-offset: 3px;
}

h1,
h2,
h3 {
  margin: 0 0 0.7em;
  color: var(--navy-950);
  font-weight: 760;
  line-height: 1.12;
  letter-spacing: -0.025em;
}

h1 {
  font-size: clamp(2.4rem, 7vw, 5.25rem);
}

h2 {
  font-size: clamp(1.9rem, 4vw, 3.15rem);
}

h3 {
  font-size: clamp(1.15rem, 2vw, 1.4rem);
}

p,
ul,
ol {
  margin: 0 0 1.25rem;
}

ul,
ol {
  padding-left: 1.35rem;
}

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

.narrow {
  width: min(calc(100% - 2rem), 50rem);
  margin-inline: auto;
}

.skip-link {
  position: fixed;
  z-index: 1000;
  top: 0.75rem;
  left: 0.75rem;
  padding: 0.75rem 1rem;
  color: var(--white);
  background: var(--navy-950);
  border-radius: var(--radius-sm);
  transform: translateY(-160%);
}

.skip-link:focus {
  color: var(--white);
  transform: translateY(0);
}

.site-header {
  position: sticky;
  z-index: 100;
  top: 0;
  border-bottom: 1px solid rgb(220 226 234 / 80%);
  background: rgb(255 255 255 / 94%);
  backdrop-filter: blur(16px);
}

.nav-shell {
  display: flex;
  min-height: 5rem;
  align-items: center;
  justify-content: space-between;
  gap: 1.25rem;
}

.brand {
  display: inline-flex;
  min-width: 0;
  align-items: center;
  gap: 0.7rem;
  color: var(--navy-950);
  font-weight: 800;
  line-height: 1.05;
  text-decoration: none;
}

.brand:hover {
  color: var(--navy-950);
}

.brand-logo {
  width: 3.15rem;
  height: 3.15rem;
  flex: 0 0 auto;
  border: 1px solid var(--line);
  border-radius: 50%;
  background: var(--white);
  object-fit: contain;
}

.brand-name {
  display: block;
  max-width: 12rem;
  font-size: 0.94rem;
}

.nav-toggle {
  display: none;
  width: 2.75rem;
  height: 2.75rem;
  align-items: center;
  justify-content: center;
  padding: 0;
  border: 1px solid var(--line);
  border-radius: 0.75rem;
  color: var(--navy-950);
  background: var(--white);
  cursor: pointer;
}

.nav-toggle svg {
  width: 1.4rem;
}

.primary-nav {
  display: flex;
  align-items: center;
  gap: 1.25rem;
}

.primary-nav a {
  position: relative;
  padding-block: 0.65rem;
  color: var(--ink);
  font-size: 0.93rem;
  font-weight: 650;
  text-decoration: none;
}

.primary-nav a:not(.button)::after {
  position: absolute;
  right: 0;
  bottom: 0.2rem;
  left: 0;
  height: 2px;
  background: var(--gold-500);
  content: "";
  transform: scaleX(0);
  transition: transform 160ms ease;
}

.primary-nav a[aria-current="page"]::after,
.primary-nav a:hover::after {
  transform: scaleX(1);
}

.button {
  display: inline-flex;
  min-height: 3rem;
  align-items: center;
  justify-content: center;
  gap: 0.45rem;
  padding: 0.75rem 1.2rem;
  border: 1px solid transparent;
  border-radius: 999px;
  font-weight: 750;
  line-height: 1.2;
  text-align: center;
  text-decoration: none;
  transition: transform 160ms ease, box-shadow 160ms ease, background 160ms ease;
}

.button:hover {
  transform: translateY(-1px);
}

.button-primary {
  color: var(--white);
  background: var(--navy-900);
  box-shadow: 0 10px 24px rgb(5 42 89 / 22%);
}

.button-primary:hover {
  color: var(--white);
  background: var(--navy-800);
}

.primary-nav a.button-primary,
.primary-nav a.button-primary:hover {
  color: var(--white);
}

.button-gold {
  color: var(--navy-950);
  background: var(--gold-500);
  box-shadow: 0 10px 24px rgb(199 154 57 / 22%);
}

.button-gold:hover {
  color: var(--navy-950);
  background: #d3a948;
}

.button-outline {
  color: var(--navy-900);
  border-color: var(--navy-900);
  background: transparent;
}

.button-outline:hover {
  color: var(--white);
  background: var(--navy-900);
}

.button-outline-light {
  color: var(--white);
  border-color: var(--white);
}

.button-outline-light:hover {
  color: var(--navy-950);
  background: var(--white);
}

.shared-plan-notice {
  padding: 1rem 0;
  color: var(--navy-950);
  border-bottom: 1px solid #e3bd61;
  background: var(--gold-100);
}

.shared-plan-notice__content {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.shared-plan-notice p {
  max-width: 52rem;
  margin: 0;
}

@media (max-width: 42rem) {
  .shared-plan-notice__content {
    align-items: stretch;
    flex-direction: column;
  }

  .shared-plan-notice .button {
    width: 100%;
  }
}

.hero {
  position: relative;
  overflow: hidden;
  padding: clamp(4rem, 9vw, 8rem) 0;
  background:
    radial-gradient(circle at 85% 16%, rgb(199 154 57 / 24%), transparent 24rem),
    linear-gradient(145deg, var(--navy-950), var(--navy-800));
}

.hero::after {
  position: absolute;
  right: -14rem;
  bottom: -16rem;
  width: 36rem;
  height: 36rem;
  border: 1px solid rgb(255 255 255 / 12%);
  border-radius: 50%;
  box-shadow: 0 0 0 5rem rgb(255 255 255 / 3%), 0 0 0 10rem rgb(255 255 255 / 2%);
  content: "";
}

.hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  align-items: center;
  gap: clamp(2rem, 6vw, 6rem);
  grid-template-columns: minmax(0, 1.25fr) minmax(16rem, 0.75fr);
}

.eyebrow {
  display: inline-flex;
  max-width: 100%;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 1.25rem;
  color: var(--gold-200);
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.13em;
  line-height: 1.45;
  overflow-wrap: anywhere;
  text-transform: uppercase;
}

.eyebrow::before {
  width: 2rem;
  height: 2px;
  flex: 0 0 2rem;
  background: var(--gold-500);
  content: "";
}

.eyebrow-dark {
  color: var(--gold-600);
}

.hero h1,
.page-hero h1 {
  color: var(--white);
}

.hero-copy > p {
  max-width: 42rem;
  color: #dce6f2;
  font-size: clamp(1.05rem, 2vw, 1.25rem);
}

.hero-actions,
.inline-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.8rem;
  margin-top: 2rem;
}

.hero-note {
  margin-top: 1.25rem;
  color: #b9c7d8;
  font-size: 0.88rem;
}

.hero-brand-card {
  position: relative;
  padding: clamp(1.25rem, 4vw, 2.5rem);
  border: 1px solid rgb(255 255 255 / 18%);
  border-radius: var(--radius-lg);
  background: rgb(255 255 255 / 9%);
  box-shadow: var(--shadow-lg);
  backdrop-filter: blur(10px);
}

.hero-logo {
  width: min(100%, 23rem);
  margin-inline: auto;
  border: 5px solid rgb(255 255 255 / 90%);
  border-radius: 50%;
  background: var(--white);
  box-shadow: 0 28px 60px rgb(0 0 0 / 24%);
}

.trust-strip {
  border-bottom: 1px solid var(--line);
  background: var(--white);
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  padding: 1.25rem;
  border-right: 1px solid var(--line);
}

.trust-item:last-child {
  border-right: 0;
}

.trust-icon {
  display: grid;
  width: 2.7rem;
  height: 2.7rem;
  flex: 0 0 auto;
  place-items: center;
  color: var(--navy-900);
  border-radius: 50%;
  background: var(--gold-100);
  font-weight: 850;
}

.trust-item strong,
.trust-item span {
  display: block;
}

.trust-item span {
  color: var(--muted);
  font-size: 0.86rem;
}

.section {
  padding: clamp(4rem, 8vw, 7rem) 0;
}

.section-muted {
  background: var(--surface);
}

.section-dark {
  color: #dce6f2;
  background: var(--navy-950);
}

.section-dark h2,
.section-dark h3 {
  color: var(--white);
}

.section-intro {
  max-width: 44rem;
  margin-bottom: 2.75rem;
}

.section-intro > p {
  color: var(--muted);
  font-size: 1.08rem;
}

.section-dark .section-intro > p {
  color: #b9c7d8;
}

.grid-2,
.grid-3,
.grid-4 {
  display: grid;
  gap: 1.25rem;
}

.grid-2 {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.grid-3 {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.grid-4 {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.card {
  padding: clamp(1.4rem, 3vw, 2rem);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  background: var(--white);
  box-shadow: var(--shadow-sm);
}

.card p:last-child,
.card ul:last-child {
  margin-bottom: 0;
}

.card-number {
  display: grid;
  width: 2.8rem;
  height: 2.8rem;
  margin-bottom: 1.25rem;
  place-items: center;
  color: var(--navy-950);
  border-radius: 50%;
  background: var(--gold-500);
  font-weight: 850;
}

.card-icon {
  display: grid;
  width: 3.1rem;
  height: 3.1rem;
  margin-bottom: 1.2rem;
  place-items: center;
  color: var(--gold-600);
  border-radius: 0.9rem;
  background: var(--gold-100);
  font-size: 1.3rem;
  font-weight: 850;
}

.feature-list {
  display: grid;
  gap: 0.8rem;
  padding: 0;
  list-style: none;
}

.feature-list li {
  position: relative;
  padding-left: 1.8rem;
}

.feature-list li::before {
  position: absolute;
  top: 0.15rem;
  left: 0;
  color: var(--success);
  content: "✓";
  font-weight: 900;
}

.split {
  display: grid;
  align-items: start;
  gap: clamp(2rem, 7vw, 6rem);
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
}

.statement-card {
  padding: clamp(2rem, 5vw, 3.5rem);
  color: var(--white);
  border-radius: var(--radius-lg);
  background: linear-gradient(145deg, var(--navy-900), var(--navy-800));
  box-shadow: var(--shadow-lg);
}

.statement-card h2,
.statement-card h3 {
  color: var(--white);
}

.statement-card p {
  color: #dce6f2;
}

.statement-card .eyebrow {
  color: var(--gold-200);
}

.photo-stack {
  display: grid;
  gap: 1.25rem;
}

.photo-card {
  overflow: hidden;
  margin: 0;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  background: var(--white);
  box-shadow: var(--shadow-lg);
}

.photo-card img {
  width: 100%;
  height: clamp(18rem, 46vw, 25rem);
  aspect-ratio: 4 / 3;
  object-fit: cover;
  object-position: center 34%;
}

.photo-card figcaption {
  padding: 0.85rem 1rem 1rem;
  color: var(--muted);
  font-size: 0.84rem;
  line-height: 1.5;
}

.photo-card figcaption strong {
  color: var(--navy-950);
}

.photo-card--documents img {
  object-position: center 42%;
}

.callout {
  padding: 1.25rem 1.35rem;
  border-left: 4px solid var(--gold-500);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  background: var(--gold-100);
}

.callout strong {
  color: var(--navy-950);
}

.page-hero {
  padding: clamp(3.5rem, 8vw, 6.5rem) 0;
  background:
    radial-gradient(circle at 88% 20%, rgb(199 154 57 / 22%), transparent 20rem),
    linear-gradient(145deg, var(--navy-950), var(--navy-800));
}

.page-hero .eyebrow {
  color: var(--gold-200);
}

.page-hero p {
  max-width: 46rem;
  margin-bottom: 0;
  color: #dce6f2;
  font-size: 1.12rem;
}

.breadcrumbs {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-bottom: 1.25rem;
  color: #b9c7d8;
  font-size: 0.88rem;
}

.breadcrumbs a {
  color: var(--gold-200);
}

.policy-layout {
  display: grid;
  align-items: start;
  gap: 3rem;
  grid-template-columns: 15rem minmax(0, 1fr);
}

.policy-nav {
  position: sticky;
  top: 6.5rem;
  padding: 1.25rem;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  background: var(--surface);
}

.policy-nav strong {
  display: block;
  margin-bottom: 0.65rem;
  color: var(--navy-950);
}

.policy-nav ul {
  margin: 0;
  padding: 0;
  list-style: none;
}

.policy-nav a {
  display: block;
  padding: 0.35rem 0;
  font-size: 0.9rem;
}

.policy-content section {
  scroll-margin-top: 7rem;
  padding-bottom: 2.1rem;
  margin-bottom: 2.1rem;
  border-bottom: 1px solid var(--line);
}

.policy-content section:last-child {
  margin-bottom: 0;
  border-bottom: 0;
}

.policy-meta {
  margin-bottom: 2rem;
  color: var(--muted);
  font-size: 0.92rem;
}

.contact-grid {
  display: grid;
  align-items: start;
  gap: 2rem;
  grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.15fr);
}

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

.contact-item {
  padding: 1.2rem;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  background: var(--white);
}

.contact-item strong,
.contact-item span,
.contact-item a {
  display: block;
}

.contact-item span {
  color: var(--muted);
  font-size: 0.87rem;
}

.contact-form {
  padding: clamp(1.4rem, 4vw, 2.4rem);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  background: var(--white);
  box-shadow: var(--shadow-sm);
}

.field-grid {
  display: grid;
  gap: 1rem;
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.field {
  margin-bottom: 1rem;
}

.field label {
  display: block;
  margin-bottom: 0.4rem;
  color: var(--navy-950);
  font-weight: 700;
}

.field input,
.field select,
.field textarea {
  width: 100%;
  min-height: 3rem;
  padding: 0.75rem 0.85rem;
  color: var(--ink);
  border: 1px solid #b9c3d0;
  border-radius: 0.65rem;
  background: var(--white);
}

.field textarea {
  min-height: 9rem;
  resize: vertical;
}

.field-hint,
.form-status {
  color: var(--muted);
  font-size: 0.86rem;
}

.form-status {
  min-height: 1.5rem;
  margin-top: 0.75rem;
  font-weight: 650;
}

.form-status[data-state="error"] {
  color: var(--danger);
}

.cta-band {
  padding: clamp(2rem, 5vw, 3.5rem);
  color: var(--white);
  border-radius: var(--radius-lg);
  background:
    radial-gradient(circle at 90% 10%, rgb(199 154 57 / 30%), transparent 14rem),
    var(--navy-950);
}

.cta-band h2 {
  color: var(--white);
}

.cta-band p {
  max-width: 42rem;
  color: #dce6f2;
}

.site-footer {
  color: #c7d2df;
  background: #021329;
}

.footer-main {
  display: grid;
  gap: 2.5rem;
  padding: 4rem 0 2.5rem;
  grid-template-columns: minmax(14rem, 1.35fr) repeat(3, minmax(8rem, 0.65fr));
}

.footer-brand p {
  max-width: 25rem;
  color: #aebdcd;
}

.site-footer .brand,
.site-footer .brand:hover {
  color: var(--white);
}

.site-footer h2 {
  margin-bottom: 1rem;
  color: var(--white);
  font-size: 1rem;
  letter-spacing: 0;
}

.footer-links {
  margin: 0;
  padding: 0;
  list-style: none;
}

.footer-links li + li {
  margin-top: 0.5rem;
}

.footer-links a {
  color: #c7d2df;
  font-size: 0.92rem;
}

.footer-details {
  overflow-wrap: anywhere;
  font-size: 0.9rem;
}

.footer-details span,
.footer-details a {
  display: block;
  color: #c7d2df;
}

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.2rem 0;
  border-top: 1px solid rgb(255 255 255 / 12%);
  font-size: 0.84rem;
}

.footer-bottom p {
  margin: 0;
}

.visually-hidden {
  position: absolute !important;
  width: 1px !important;
  height: 1px !important;
  overflow: hidden !important;
  padding: 0 !important;
  margin: -1px !important;
  border: 0 !important;
  clip: rect(0 0 0 0) !important;
  white-space: nowrap !important;
}

@media (max-width: 62rem) {
  .nav-toggle {
    display: inline-flex;
  }

  .primary-nav {
    position: absolute;
    top: calc(100% + 1px);
    right: 0;
    left: 0;
    display: none;
    max-height: calc(100vh - 5rem);
    overflow-y: auto;
    align-items: stretch;
    padding: 1rem;
    border-bottom: 1px solid var(--line);
    background: var(--white);
    box-shadow: var(--shadow-sm);
  }

  .primary-nav[data-open="true"] {
    display: grid;
  }

  .primary-nav a {
    padding: 0.8rem;
  }

  .primary-nav a:not(.button)::after {
    right: auto;
    bottom: 0.55rem;
    left: 0.8rem;
    width: 2.5rem;
  }

  .hero-grid,
  .split,
  .contact-grid {
    grid-template-columns: 1fr;
  }

  .hero-brand-card {
    width: min(100%, 29rem);
    margin-inline: auto;
  }

  .grid-4 {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .grid-3 {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .policy-layout {
    grid-template-columns: 1fr;
  }

  .policy-nav {
    position: static;
  }

  .footer-main {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 42rem) {
  .container,
  .narrow {
    width: min(calc(100% - 1.25rem), var(--content));
  }

  .brand-name {
    max-width: 8.5rem;
    font-size: 0.8rem;
  }

  .eyebrow {
    align-items: flex-start;
  }

  .eyebrow::before {
    margin-top: 0.65em;
  }

  .hero {
    padding-top: 3.5rem;
  }

  .hero-actions,
  .inline-actions {
    align-items: stretch;
    flex-direction: column;
  }

  .hero-actions .button,
  .inline-actions .button {
    width: 100%;
  }

  .trust-grid,
  .grid-2,
  .grid-3,
  .grid-4,
  .field-grid,
  .footer-main {
    grid-template-columns: 1fr;
  }

  .trust-item {
    border-right: 0;
    border-bottom: 1px solid var(--line);
  }

  .trust-item:last-child {
    border-bottom: 0;
  }

  .footer-bottom {
    align-items: flex-start;
    flex-direction: column;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
  }
}