:root{
  --navy:#152232;
  --navy-2:#1f3245;
  --slate:#4a5a6a;
  --slate-light:#7c8a97;
  --steel:#3d6b8c;
  --steel-light:#6f97b3;
  --bg:#f5f6f7;
  --bg-alt:#eceef0;
  --white:#ffffff;
  --line:#dde1e4;
  --text:#1c2530;
  --text-muted:#5c6773;
  --radius:6px;
  --serif:'Iowan Old Style','Palatino Linotype',Palatino,Georgia,'Times New Roman',serif;
  --sans:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
  --mono:'SFMono-Regular',Consolas,'Liberation Mono',Menlo,monospace;
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:var(--sans);
  color:var(--text);
  background:var(--bg);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{
  font-family:var(--serif);
  font-weight:600;
  color:var(--navy);
  line-height:1.2;
  margin:0 0 .6em;
}
h1{font-size:clamp(2.1rem,4vw,3.2rem);letter-spacing:-0.01em;}
h2{font-size:clamp(1.5rem,2.6vw,2.1rem);}
h3{font-size:1.25rem;}
p{margin:0 0 1.1em;color:var(--text-muted);}
a{color:var(--steel);text-decoration:none;}
a:hover{text-decoration:underline;}
ul{color:var(--text-muted);}
img{max-width:100%;display:block;}
.container{max-width:1140px;margin:0 auto;padding:0 24px;}
.eyebrow{
  text-transform:uppercase;
  letter-spacing:.12em;
  font-size:.72rem;
  font-weight:700;
  color:var(--steel);
  margin-bottom:.8em;
  display:inline-block;
}

/* Skip link */
.skip-link{
  position:absolute;left:-999px;top:auto;
  background:var(--navy);color:#fff;padding:10px 16px;z-index:1000;border-radius:var(--radius);
}
.skip-link:focus{left:16px;top:16px;}

/* Header */
.site-header{
  background:var(--white);
  border-bottom:1px solid var(--line);
  position:sticky;top:0;z-index:500;
}
.header-inner{
  display:flex;align-items:center;justify-content:space-between;
  padding:16px 24px;max-width:1140px;margin:0 auto;
}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;}
.brand:hover{text-decoration:none;}
.brand-logo{width:40px;height:40px;border-radius:8px;flex-shrink:0;}
.brand-name{
  font-family:var(--serif);
  font-weight:700;
  font-size:1.05rem;
  color:var(--navy);
  line-height:1.15;
}
.brand-name small{
  display:block;font-family:var(--sans);font-weight:500;
  font-size:.68rem;letter-spacing:.08em;text-transform:uppercase;color:var(--slate-light);
}
nav.main-nav ul{
  list-style:none;display:flex;gap:28px;margin:0;padding:0;
}
nav.main-nav a{
  color:var(--text);font-weight:500;font-size:.94rem;
}
nav.main-nav a:hover, nav.main-nav a[aria-current="page"]{color:var(--steel);text-decoration:none;}
.nav-toggle{
  display:none;background:none;border:1px solid var(--line);border-radius:var(--radius);
  padding:8px;cursor:pointer;
}
.nav-toggle svg{width:22px;height:22px;color:var(--navy);}

/* Hero */
.hero{
  position:relative;color:#fff;
  background:linear-gradient(180deg,rgba(21,34,50,.72),rgba(21,34,50,.86)),center/cover no-repeat;
  padding:96px 0 84px;
}
.hero .container{max-width:760px;}
.hero p.lead{color:#dde3e8;font-size:1.12rem;}
.hero-actions{display:flex;gap:16px;flex-wrap:wrap;margin-top:28px;}

.page-hero{
  color:#fff;
  background:linear-gradient(180deg,rgba(21,34,50,.75),rgba(21,34,50,.88)),center/cover no-repeat;
  padding:72px 0;
}
.page-hero p{color:#dbe1e6;max-width:640px;}

/* Buttons */
.btn{
  display:inline-flex;align-items:center;gap:8px;
  padding:12px 22px;border-radius:var(--radius);font-weight:600;font-size:.94rem;
  border:1px solid transparent;cursor:pointer;
}
.btn svg{width:18px;height:18px;}
.btn-primary{background:var(--steel);color:#fff;}
.btn-primary:hover{background:var(--steel-light);text-decoration:none;}
.btn-outline{background:transparent;border-color:rgba(255,255,255,.55);color:#fff;}
.btn-outline:hover{background:rgba(255,255,255,.12);text-decoration:none;}
.btn-outline-dark{background:transparent;border-color:var(--line);color:var(--navy);}
.btn-outline-dark:hover{background:var(--bg-alt);text-decoration:none;}

/* Sections */
section{padding:76px 0;}
section.alt{background:var(--bg-alt);}
.section-head{max-width:640px;margin:0 auto 48px;text-align:center;}
.section-head p{margin:0;}

.grid{display:grid;gap:28px;}
.grid-3{grid-template-columns:repeat(3,1fr);}
.grid-2{grid-template-columns:repeat(2,1fr);}

.card{
  background:var(--white);border:1px solid var(--line);border-radius:var(--radius);
  padding:28px 26px;
}
.card .icon-wrap{
  width:46px;height:46px;border-radius:8px;background:var(--bg-alt);
  display:flex;align-items:center;justify-content:center;margin-bottom:18px;color:var(--steel);
}
.card .icon-wrap svg{width:24px;height:24px;}
.card h3{margin-bottom:.5em;}
.card p{margin-bottom:0;}

.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;}
.split img{border-radius:var(--radius);}

.stat-row{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center;}
.stat-row .num{font-family:var(--serif);font-size:2rem;color:var(--navy);font-weight:700;}
.stat-row .label{font-size:.85rem;color:var(--text-muted);text-transform:uppercase;letter-spacing:.06em;}

.steps{counter-reset:step;list-style:none;padding:0;margin:0;}
.steps li{
  display:flex;gap:20px;padding:22px 0;border-bottom:1px solid var(--line);
}
.steps li:last-child{border-bottom:none;}
.step-num{
  font-family:var(--serif);font-weight:700;color:var(--steel);font-size:1.4rem;
  min-width:44px;
}

.callout-band{
  background:var(--navy);color:#fff;border-radius:var(--radius);
  padding:48px 40px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;
}
.callout-band h2{color:#fff;margin-bottom:.3em;}
.callout-band p{color:#c9d2da;margin-bottom:0;}

.notice-box{
  border:1px solid var(--line);border-left:4px solid var(--steel);
  background:var(--white);padding:20px 22px;border-radius:var(--radius);
  display:flex;gap:14px;
}
.notice-box svg{width:22px;height:22px;color:var(--steel);flex-shrink:0;margin-top:2px;}
.notice-box p{margin:0;font-size:.94rem;}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:48px;}
.contact-info-card{
  background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:30px;
}
.contact-info-card ul{list-style:none;padding:0;margin:0;}
.contact-info-card li{
  display:flex;gap:14px;padding:14px 0;border-bottom:1px solid var(--line);
}
.contact-info-card li:last-child{border-bottom:none;}
.contact-info-card svg{width:22px;height:22px;color:var(--steel);flex-shrink:0;margin-top:2px;}
.contact-info-card strong{display:block;color:var(--navy);font-size:.85rem;text-transform:uppercase;letter-spacing:.05em;}

form.contact-form label{
  display:block;font-size:.85rem;font-weight:600;color:var(--navy);margin-bottom:6px;
}
form.contact-form .field{margin-bottom:20px;}
form.contact-form input,
form.contact-form select,
form.contact-form textarea{
  width:100%;padding:11px 14px;border:1px solid var(--line);border-radius:var(--radius);
  font-family:var(--sans);font-size:.95rem;background:#fff;color:var(--text);
}
form.contact-form textarea{resize:vertical;min-height:130px;}
form.contact-form input:focus,
form.contact-form select:focus,
form.contact-form textarea:focus{
  outline:2px solid var(--steel-light);outline-offset:1px;border-color:var(--steel);
}
.checkbox-row{display:flex;align-items:flex-start;gap:10px;}
.checkbox-row input{width:auto;margin-top:4px;}
.checkbox-row label{font-weight:400;font-size:.86rem;color:var(--text-muted);}
.form-status{
  margin-top:16px;padding:14px 16px;border-radius:var(--radius);display:none;font-size:.92rem;
}
.form-status.success{display:block;background:#e8f1ec;color:#245c3c;border:1px solid #bfe0cc;}
.form-status.error{display:block;background:#fbeaea;color:#8c2a2a;border:1px solid #f0c4c4;}

/* Legal content */
.legal-content h2{margin-top:2em;}
.legal-content h2:first-child{margin-top:0;}
.legal-content ul{padding-left:1.2em;}
.legal-content table{width:100%;border-collapse:collapse;margin:1.4em 0;}
.legal-content th,.legal-content td{
  text-align:left;padding:10px 12px;border:1px solid var(--line);font-size:.92rem;
}
.legal-content th{background:var(--bg-alt);color:var(--navy);}
.toc{
  background:var(--bg-alt);border:1px solid var(--line);border-radius:var(--radius);
  padding:22px 26px;margin-bottom:2.4em;
}
.toc p{margin:0 0 .6em;font-weight:700;color:var(--navy);}
.toc ol{margin:0;padding-left:1.2em;}
.toc a{color:var(--text-muted);}

/* Footer */
footer.site-footer{
  background:var(--navy);color:#c9d2da;padding:60px 0 26px;margin-top:60px;
}
.footer-grid{
  display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px;padding-bottom:36px;border-bottom:1px solid rgba(255,255,255,.12);
}
.footer-grid h4{color:#fff;font-size:.85rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:1em;}
.footer-grid ul{list-style:none;margin:0;padding:0;}
.footer-grid li{margin-bottom:.6em;}
.footer-grid a{color:#c9d2da;font-size:.92rem;}
.footer-grid a:hover{color:#fff;}
.footer-brand{display:flex;align-items:center;gap:10px;margin-bottom:14px;}
.footer-brand span{font-family:var(--serif);font-weight:700;color:#fff;font-size:1.05rem;}
.footer-grid p{color:#9fadb9;font-size:.88rem;}
.footer-bottom{
  display:flex;justify-content:space-between;align-items:center;padding-top:22px;
  font-size:.82rem;color:#8fa0ac;flex-wrap:wrap;gap:10px;
}
.footer-bottom a{color:#8fa0ac;}

/* Cookie banner */
#cookie-banner{
  position:fixed;left:0;right:0;bottom:0;z-index:900;
  background:var(--navy);color:#fff;
  padding:20px 24px;
  box-shadow:0 -4px 18px rgba(0,0,0,.18);
  display:none;
}
#cookie-banner.visible{display:block;}
.cookie-inner{
  max-width:1140px;margin:0 auto;display:flex;align-items:center;gap:24px;flex-wrap:wrap;justify-content:space-between;
}
.cookie-inner p{color:#d3dae0;margin:0;font-size:.9rem;max-width:640px;}
.cookie-actions{display:flex;gap:12px;flex-wrap:wrap;}
.cookie-actions button{
  border-radius:var(--radius);padding:10px 18px;font-weight:600;font-size:.88rem;cursor:pointer;border:1px solid transparent;
}
.btn-cookie-accept{background:var(--steel);color:#fff;}
.btn-cookie-accept:hover{background:var(--steel-light);}
.btn-cookie-decline{background:transparent;border-color:rgba(255,255,255,.5);color:#fff;}
.btn-cookie-decline:hover{background:rgba(255,255,255,.1);}
.btn-cookie-settings{background:none;color:#c9d2da;text-decoration:underline;padding:10px 4px;}

/* Responsive */
@media(max-width:900px){
  .grid-3{grid-template-columns:1fr;}
  .grid-2{grid-template-columns:1fr;}
  .split{grid-template-columns:1fr;}
  .contact-grid{grid-template-columns:1fr;}
  .stat-row{grid-template-columns:repeat(2,1fr);}
  .footer-grid{grid-template-columns:1fr 1fr;}
}
@media(max-width:760px){
  nav.main-nav{
    position:fixed;top:73px;left:0;right:0;bottom:0;background:#fff;
    transform:translateX(100%);transition:transform .25s ease;overflow-y:auto;
    border-top:1px solid var(--line);
  }
  nav.main-nav.open{transform:translateX(0);}
  nav.main-nav ul{flex-direction:column;gap:0;padding:12px 24px;}
  nav.main-nav li{border-bottom:1px solid var(--line);}
  nav.main-nav a{display:block;padding:16px 0;}
  .nav-toggle{display:inline-flex;align-items:center;justify-content:center;}
  .footer-grid{grid-template-columns:1fr;}
  .callout-band{flex-direction:column;text-align:center;}
}