:root {
  --navy: #0f2238;
  --navy-2: #173352;
  --slate: #4a5b6e;
  --ink: #1c2733;
  --muted: #6b7a8a;
  --line: #dfe5ec;
  --paper: #f6f8fa;
  --white: #ffffff;
  --gold: #b8934a;
  --gold-soft: #e9dcc0;
  --max: 1120px;
  --serif: "Iowan Old Style", "Palatino Linotype", Palatino, Georgia, "Times New Roman", serif;
  --sans: -apple-system, BlinkMacSystemFont, "Segoe UI", "Helvetica Neue", Arial, sans-serif;
}

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

html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
}

a { color: var(--navy-2); }
a:hover { color: var(--gold); }

.wrap { max-width: var(--max); margin: 0 auto; padding: 0 28px; }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(255, 255, 255, 0.96);
  border-bottom: 1px solid var(--line);
  backdrop-filter: saturate(140%) blur(6px);
}
.site-header .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  color: var(--navy);
}
.brand svg { width: 38px; height: 38px; flex: none; }
.brand-name {
  font-family: var(--serif);
  font-size: 19px;
  line-height: 1.15;
  letter-spacing: 0.01em;
}
.brand-name small {
  display: block;
  font-family: var(--sans);
  font-size: 10.5px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--muted);
}
.nav { display: flex; gap: 30px; }
.nav a {
  font-size: 13px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  text-decoration: none;
  color: var(--slate);
  padding: 6px 0;
  border-bottom: 2px solid transparent;
}
.nav a:hover, .nav a[aria-current="page"] { color: var(--navy); border-bottom-color: var(--gold); }

/* Hero */
.hero {
  position: relative;
  color: var(--white);
  background:
    linear-gradient(115deg, rgba(15, 34, 56, 0.97) 0%, rgba(23, 51, 82, 0.92) 55%, rgba(23, 51, 82, 0.80) 100%),
    var(--navy);
  overflow: hidden;
}
.hero::after {
  content: "";
  position: absolute;
  inset: auto -10% -2px -10%;
  height: 180px;
  background: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1200 180' preserveAspectRatio='none'><path d='M0 180 L0 120 L140 70 L260 110 L400 40 L520 95 L640 55 L780 105 L900 60 L1040 100 L1200 50 L1200 180 Z' fill='%23ffffff' fill-opacity='0.06'/><path d='M0 180 L0 150 L180 115 L320 140 L470 100 L600 135 L760 110 L920 140 L1080 115 L1200 130 L1200 180 Z' fill='%23ffffff' fill-opacity='0.08'/></svg>") no-repeat bottom / 100% 100%;
  pointer-events: none;
}
.hero .wrap { position: relative; z-index: 1; padding-top: 120px; padding-bottom: 150px; }
.eyebrow {
  display: inline-block;
  font-size: 12px;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--gold-soft);
  border-left: 2px solid var(--gold);
  padding-left: 12px;
  margin-bottom: 22px;
}
.hero h1 {
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(36px, 5vw, 58px);
  line-height: 1.12;
  margin: 0 0 24px;
  max-width: 820px;
}
.hero p.lede {
  font-size: 19px;
  max-width: 640px;
  color: rgba(255, 255, 255, 0.84);
  margin: 0 0 38px;
}

.btn {
  display: inline-block;
  font-size: 13px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  text-decoration: none;
  padding: 15px 28px;
  border: 1px solid var(--gold);
  background: var(--gold);
  color: var(--navy);
  transition: background 0.15s, color 0.15s;
}
.btn:hover { background: transparent; color: var(--gold-soft); }
.btn.ghost { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn.ghost:hover { background: var(--navy); color: var(--white); }

/* Sections */
section { padding: 96px 0; }
section.alt { background: var(--paper); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-head { max-width: 700px; margin-bottom: 52px; }
.section-head .kicker {
  font-size: 12px;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 0 0 10px;
}
h2 {
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(28px, 3.4vw, 38px);
  line-height: 1.2;
  color: var(--navy);
  margin: 0 0 16px;
}
h3 {
  font-family: var(--serif);
  font-weight: 400;
  font-size: 22px;
  color: var(--navy);
  margin: 0 0 10px;
}
.section-head p { color: var(--slate); margin: 0; }

.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.card {
  background: var(--white);
  border: 1px solid var(--line);
  border-top: 3px solid var(--navy);
  padding: 34px 30px;
}
.card .icon { width: 34px; height: 34px; color: var(--gold); margin-bottom: 18px; }
.card p { margin: 0; color: var(--slate); font-size: 16px; }

.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; counter-reset: step; border-top: 1px solid var(--line); }
.step { padding: 30px 26px 10px 0; position: relative; }
.step::before {
  counter-increment: step;
  content: "0" counter(step);
  display: block;
  font-family: var(--serif);
  font-size: 30px;
  color: var(--gold);
  margin-bottom: 10px;
}
.step p { margin: 0; color: var(--slate); font-size: 16px; }

.split { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 64px; align-items: start; }
.checklist { list-style: none; padding: 0; margin: 0; }
.checklist li {
  padding: 16px 0 16px 34px;
  border-bottom: 1px solid var(--line);
  position: relative;
  color: var(--ink);
}
.checklist li::before {
  content: "";
  position: absolute;
  left: 4px;
  top: 25px;
  width: 12px;
  height: 7px;
  border-left: 2px solid var(--gold);
  border-bottom: 2px solid var(--gold);
  transform: rotate(-45deg);
}
.note {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.86);
  padding: 38px 36px;
}
.note h3 { color: var(--white); }
.note p { margin: 0 0 14px; font-size: 16px; }
.note p:last-child { margin-bottom: 0; }

.cta { text-align: center; }
.cta h2 { margin-bottom: 14px; }
.cta p { color: var(--slate); margin: 0 auto 30px; max-width: 560px; }

/* Page header (inner pages) */
.page-head { background: var(--navy); color: var(--white); }
.page-head .wrap { padding-top: 84px; padding-bottom: 72px; }
.page-head h1 {
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(34px, 4.4vw, 50px);
  margin: 0 0 12px;
}
.page-head p { margin: 0; max-width: 620px; color: rgba(255, 255, 255, 0.82); font-size: 18px; }

.contact-grid { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 64px; }
.contact-list { list-style: none; margin: 0; padding: 0; border-top: 1px solid var(--line); }
.contact-list li { padding: 22px 0; border-bottom: 1px solid var(--line); }
.contact-list .label {
  display: block;
  font-size: 12px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 4px;
}
.contact-list .value { font-family: var(--serif); font-size: 22px; color: var(--navy); text-decoration: none; }
.contact-list a.value:hover { color: var(--gold); }
.panel { background: var(--paper); border: 1px solid var(--line); padding: 40px 38px; }
.panel ol { margin: 0 0 20px; padding-left: 20px; color: var(--slate); }
.panel ol li { padding: 4px 0; }
.panel p { color: var(--slate); margin: 0 0 16px; }
.panel p.small { font-size: 14px; color: var(--muted); margin: 0; }

/* Footer */
.site-footer { background: #0a1828; color: rgba(255, 255, 255, 0.66); font-size: 14px; }
.site-footer .wrap { padding-top: 56px; padding-bottom: 40px; }
.footer-top { display: flex; justify-content: space-between; gap: 40px; flex-wrap: wrap; padding-bottom: 32px; border-bottom: 1px solid rgba(255, 255, 255, 0.1); }
.footer-top .brand { color: var(--white); }
.footer-top .brand-name small { color: rgba(255, 255, 255, 0.5); }
.footer-cols { display: flex; gap: 56px; flex-wrap: wrap; }
.footer-cols h4 {
  font-size: 11px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold-soft);
  margin: 0 0 10px;
  font-weight: 600;
}
.footer-cols p { margin: 0; line-height: 1.8; }
.footer-cols a { color: rgba(255, 255, 255, 0.8); text-decoration: none; }
.footer-cols a:hover { color: var(--gold-soft); }
.footer-bottom { padding-top: 24px; font-size: 12.5px; color: rgba(255, 255, 255, 0.45); }
.footer-bottom p { margin: 0 0 6px; }

/* Responsive */
@media (max-width: 960px) {
  .grid-3 { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
  .split, .contact-grid { grid-template-columns: 1fr; gap: 40px; }
}
@media (max-width: 620px) {
  body { font-size: 16px; }
  .site-header .wrap { height: 66px; }
  .brand-name { font-size: 16px; }
  .brand-name small { display: none; }
  .nav { gap: 18px; }
  .hero .wrap { padding-top: 80px; padding-bottom: 120px; }
  section { padding: 68px 0; }
  .steps { grid-template-columns: 1fr; }
  .step { padding-right: 0; }
}