:root {
  --ink: #12303d;
  --ink-2: #1d4252;
  --accent: #2f7d6d;
  --accent-soft: #e4efeb;
  --sand: #f6f3ee;
  --paper: #ffffff;
  --text: #1c2b33;
  --muted: #5a6a72;
  --line: #e3ddd3;
  --serif: "Source Serif 4", Georgia, "Times New Roman", serif;
  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  --max: 1120px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--text);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
a { color: var(--accent); text-decoration: none; }
a:hover { text-decoration: underline; }

h1, h2, h3 { font-family: var(--serif); color: var(--ink); font-weight: 600; line-height: 1.2; margin: 0 0 .5em; letter-spacing: -0.01em; }
h1 { font-size: clamp(2.1rem, 4.4vw, 3.3rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.25rem); }
h3 { font-size: 1.2rem; }
p { margin: 0 0 1em; }

.wrap { max-width: var(--max); margin: 0 auto; padding: 0 24px; }
.eyebrow { font-size: .78rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--accent); margin-bottom: 14px; display: block; }
.lead { font-size: 1.18rem; color: var(--muted); max-width: 640px; }

/* Header */
.site-header { position: sticky; top: 0; z-index: 10; background: rgba(255,255,255,.94); backdrop-filter: blur(8px); border-bottom: 1px solid var(--line); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.brand { display: flex; align-items: center; gap: 12px; color: var(--ink); }
.brand:hover { text-decoration: none; }
.brand-mark { width: 34px; height: 34px; }
.brand-name { font-family: var(--serif); font-size: 1.35rem; font-weight: 600; letter-spacing: .06em; line-height: 1; }
.brand-name small { display: block; font-family: var(--sans); font-size: .6rem; font-weight: 600; letter-spacing: .32em; color: var(--muted); margin-top: 4px; }
.nav { display: flex; align-items: center; gap: 30px; }
.nav a { color: var(--text); font-size: .95rem; font-weight: 500; }
.nav a:hover, .nav a.active { color: var(--accent); text-decoration: none; }
.nav .btn { color: #fff; }
.menu-toggle { display: none; background: none; border: 0; padding: 8px; cursor: pointer; color: var(--ink); }

/* Buttons */
.btn { display: inline-block; background: var(--ink); color: #fff; padding: 12px 22px; border-radius: 6px; font-weight: 600; font-size: .95rem; border: 1px solid var(--ink); transition: background .15s; cursor: pointer; font-family: var(--sans); }
.btn:hover { background: var(--ink-2); text-decoration: none; }
.btn-ghost { background: transparent; color: var(--ink); border-color: var(--ink); }
.btn-ghost:hover { background: var(--ink); color: #fff; }
.btn-row { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 30px; }

/* Sections */
section { padding: 92px 0; }
.bg-sand { background: var(--sand); }
.bg-ink { background: var(--ink); color: #d7e2e6; }
.bg-ink h2, .bg-ink h3 { color: #fff; }
.section-head { max-width: 680px; margin-bottom: 52px; }

/* Hero */
.hero { padding: 108px 0 96px; background: linear-gradient(180deg, var(--sand) 0%, #fff 100%); border-bottom: 1px solid var(--line); }
.hero-grid { display: grid; grid-template-columns: 1.25fr .9fr; gap: 64px; align-items: center; }
.hero h1 { max-width: 640px; }
.hero-panel { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 30px 30px 14px; box-shadow: 0 20px 50px -30px rgba(18,48,61,.35); }
.hero-panel h3 { font-size: 1rem; font-family: var(--sans); font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); margin-bottom: 18px; }
.check-list { list-style: none; padding: 0; margin: 0; }
.check-list li { position: relative; padding: 0 0 16px 34px; }
.check-list li::before { content: ""; position: absolute; left: 0; top: 4px; width: 20px; height: 20px; border-radius: 50%; background: var(--accent-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5.5 10.5l3 3 6-7' fill='none' stroke='%232f7d6d' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/20px no-repeat; }

/* Proof strip */
.proof-strip { border-bottom: 1px solid var(--line); background: #fff; }
.proof-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.proof-grid div { padding: 28px 24px 28px 0; }
.proof-grid div + div { border-left: 1px solid var(--line); padding-left: 24px; }
.proof-grid strong { display: block; font-family: var(--serif); font-size: 1.35rem; color: var(--ink); font-weight: 600; }
.proof-grid span { font-size: .9rem; color: var(--muted); }
@media (max-width: 760px) { .proof-grid { grid-template-columns: 1fr 1fr; } .proof-grid div, .proof-grid div + div { border-left: 0; padding: 18px 12px 18px 0; } }

/* Cards */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.card { background: #fff; border: 1px solid var(--line); border-radius: 10px; padding: 30px; }
.card p { color: var(--muted); margin: 0; font-size: .97rem; }
.icon { width: 44px; height: 44px; border-radius: 10px; background: var(--accent-soft); display: grid; place-items: center; margin-bottom: 20px; color: var(--accent); }
.icon svg { width: 22px; height: 22px; }

/* Compare */
.compare ul { margin: 12px 0 0; padding-left: 20px; color: var(--muted); }
.compare li { margin-bottom: 10px; }
.compare-risk { background: #faf8f5; }
.compare-risk h3 { color: var(--muted); }
.compare-good { border-color: var(--accent); box-shadow: 0 18px 40px -28px rgba(47,125,109,.5); }

/* Steps */
.steps { counter-reset: step; display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; border-top: 2px solid var(--ink); }
.step { padding: 28px 24px 0 0; }
.step::before { counter-increment: step; content: "0" counter(step); display: block; font-family: var(--serif); font-size: 1.9rem; color: var(--accent); margin-bottom: 10px; }
.step p { color: var(--muted); font-size: .96rem; }

/* Split */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: start; }
.tag-list { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 8px; }
.tag-list span { border: 1px solid var(--line); background: #fff; border-radius: 999px; padding: 7px 16px; font-size: .92rem; }

/* Commitments */
.commit { display: grid; grid-template-columns: 260px 1fr; gap: 40px; padding: 36px 0; border-bottom: 1px solid var(--line); }
.commit:first-child { border-top: 1px solid var(--line); }
.commit h3 { margin: 0; }
.commit ul { margin: 0; padding-left: 20px; color: var(--muted); }
.commit li { margin-bottom: 8px; }

/* Page header */
.page-head { padding: 84px 0 60px; background: var(--sand); border-bottom: 1px solid var(--line); }
.page-head .lead { margin-top: 10px; }

/* About */
.prose { max-width: 720px; }
.prose p { font-size: 1.08rem; }
.prose h2 { margin-top: 1.6em; }
.facts { border: 1px solid var(--line); border-radius: 10px; background: #fff; overflow: hidden; }
.facts dl { margin: 0; }
.facts div { display: grid; grid-template-columns: 140px 1fr; gap: 16px; padding: 16px 24px; border-bottom: 1px solid var(--line); font-size: .95rem; }
.facts div:last-child { border-bottom: 0; }
.facts dt { color: var(--muted); font-weight: 500; }
.facts dd { margin: 0; color: var(--text); }
.quote { font-family: var(--serif); font-size: 1.5rem; line-height: 1.45; color: var(--ink); border-left: 3px solid var(--accent); padding-left: 24px; margin: 40px 0; }

/* Policies */
.policy-nav { position: sticky; top: 100px; }
.policy-nav a { display: block; padding: 8px 0; color: var(--muted); font-size: .95rem; border-left: 2px solid var(--line); padding-left: 16px; }
.policy-nav a:hover { color: var(--accent); border-color: var(--accent); text-decoration: none; }
.policy-layout { display: grid; grid-template-columns: 240px 1fr; gap: 64px; }
.policy { padding-bottom: 44px; margin-bottom: 44px; border-bottom: 1px solid var(--line); scroll-margin-top: 100px; }
.policy:last-child { border-bottom: 0; }
.policy ul { padding-left: 20px; color: var(--muted); }
.policy li { margin-bottom: 8px; }
.policy p { color: var(--muted); }
.updated { font-size: .88rem; color: var(--muted); }

/* Form */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px 20px; }
.form-grid .full { grid-column: 1 / -1; }
label { display: block; font-size: .88rem; font-weight: 600; color: var(--ink); margin-bottom: 6px; }
input, select, textarea { width: 100%; font: inherit; font-size: .97rem; padding: 12px 14px; border: 1px solid #cfc8bc; border-radius: 6px; background: #fff; color: var(--text); }
input:focus, select:focus, textarea:focus { outline: 2px solid var(--accent); outline-offset: 1px; border-color: var(--accent); }
textarea { min-height: 140px; resize: vertical; }
.hidden { display: none; }
.contact-side { background: var(--sand); border: 1px solid var(--line); border-radius: 10px; padding: 30px; }
.contact-side h3 { font-size: 1.05rem; }
.contact-side p { color: var(--muted); font-size: .95rem; }
.contact-side + .contact-side { margin-top: 20px; }

/* CTA band */
.cta-band { text-align: center; }
.cta-band p { color: #c3d3d9; max-width: 560px; margin: 0 auto; }
.cta-band .btn { background: #fff; color: var(--ink); border-color: #fff; margin-top: 28px; }
.cta-band .btn:hover { background: var(--accent-soft); }

/* Footer */
.site-footer { background: #0c2430; color: #a9bcc4; padding: 64px 0 32px; font-size: .92rem; }
.site-footer a { color: #d7e2e6; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 48px; margin-bottom: 44px; }
.site-footer .brand { color: #fff; margin-bottom: 16px; }
.site-footer .brand-name small { color: #8aa2ac; }
.site-footer h4 { color: #fff; font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; margin: 0 0 14px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 8px; }
.footer-legal { border-top: 1px solid #23414e; padding-top: 24px; font-size: .82rem; color: #7d949d; display: flex; justify-content: space-between; gap: 24px; flex-wrap: wrap; }

/* Responsive */
@media (max-width: 960px) {
  .hero-grid, .split, .policy-layout { grid-template-columns: 1fr; gap: 44px; }
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); row-gap: 20px; }
  .commit { grid-template-columns: 1fr; gap: 12px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .policy-nav { position: static; }
}
@media (max-width: 760px) {
  body { font-size: 16px; }
  .wrap { padding: 0 16px; }
  section { padding: 64px 0; }
  .hero { padding: 64px 0; }
  .menu-toggle { display: block; }
  .nav { display: none; position: absolute; top: 72px; left: 0; right: 0; background: #fff; flex-direction: column; align-items: flex-start; gap: 0; padding: 8px 16px 20px; border-bottom: 1px solid var(--line); }
  .nav.open { display: flex; }
  .nav a { padding: 12px 0; width: 100%; }
  .nav .btn { width: auto; margin-top: 8px; padding: 12px 22px; }
  .grid-2, .grid-3, .grid-4, .steps, .form-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .facts div { grid-template-columns: 1fr; gap: 2px; }
}