:root {
  --ink: #172033;
  --navy: #101b33;
  --muted: #5e6878;
  --line: #e6e8ee;
  --teal: #1c6b76;
  --max: 1080px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  background: #fff;
  color: var(--ink);
  font-family: "Segoe UI", "Helvetica Neue", Helvetica, Arial, sans-serif;
  font-size: 17px;
  line-height: 1.6;
}

a {
  color: var(--teal);
  text-underline-offset: 0.18em;
}

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

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: #fff;
  border-bottom: 1px solid var(--line);
}

.bar,
.wrap {
  max-width: var(--max);
  margin: 0 auto;
  padding-left: 1.5rem;
  padding-right: 1.5rem;
}

.site-header .bar,
.site-footer .bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.25rem 2rem;
  min-height: 4.25rem;
}

.brand-block {
  display: flex;
  align-items: baseline;
  gap: 0.85rem;
  min-width: 0;
}

.brand {
  color: var(--navy);
  text-decoration: none;
  font-weight: 650;
  letter-spacing: -0.04em;
  font-size: 1.25rem;
}

.brand-line {
  color: var(--muted);
  font-size: 0.92rem;
  white-space: nowrap;
}

.nav {
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem 1.25rem;
}

.nav a {
  color: var(--muted);
  text-decoration: none;
  font-size: 0.92rem;
}

.nav a[aria-current="page"],
.nav a:hover { color: var(--navy); }

.hero { padding: 5.75rem 0 3.25rem; }

.kicker {
  margin: 0 0 0.9rem;
  color: var(--teal);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

h1 {
  margin: 0;
  max-width: 16ch;
  font-family: Georgia, "Iowan Old Style", "Palatino Linotype", Palatino, serif;
  font-weight: 500;
  font-size: clamp(2.8rem, 7vw, 4.85rem);
  letter-spacing: -0.035em;
  line-height: 0.98;
  color: var(--navy);
}

.lede {
  margin: 1.35rem 0 0;
  max-width: 36rem;
  font-size: 1.35rem;
  line-height: 1.45;
  color: #2c3648;
}

.sub {
  max-width: 38rem;
  margin: 0.9rem 0 0;
  color: var(--muted);
}

.contact-line { margin: 1.85rem 0 0; }

.steps {
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

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

.steps article { padding: 2.1rem 1.75rem 2.35rem 0; }

.steps article + article {
  padding-left: 1.75rem;
  border-left: 1px solid var(--line);
}

.num {
  margin: 0;
  color: var(--teal);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
}

.steps h2,
.band h2,
.panel h2,
.doc-main h1,
.doc-main h2 {
  font-family: Georgia, "Iowan Old Style", "Palatino Linotype", Palatino, serif;
  font-weight: 500;
  letter-spacing: -0.025em;
  color: var(--navy);
}

.steps h2,
.band h2,
.panel h2 {
  margin: 0.4rem 0 0.55rem;
  font-size: 1.7rem;
  line-height: 1.15;
}

.steps p,
.panel p,
.prose p { margin: 0.55rem 0 0; }

.band { padding: 4.5rem 0; }

.band + .band,
.panel-band { border-top: 1px solid var(--line); }

.split {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.15fr);
  gap: 3.5rem;
  align-items: start;
}

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

ul.plain li {
  padding: 0.95rem 0;
  border-top: 1px solid var(--line);
}

ul.plain li:first-child {
  padding-top: 0;
  border-top: 0;
}

.panel {
  max-width: 46rem;
  border: 1px solid var(--line);
  border-left: 3px solid var(--navy);
  padding: 2.35rem 2.1rem 2.1rem;
}

.checks { margin: 1rem 0 0; padding-left: 1.15rem; }

.checks li { margin: 0.35rem 0; }

.fine {
  margin-top: 1.15rem;
  color: var(--muted);
  font-size: 0.92rem;
}

.link-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0.75rem;
  margin: 1.6rem 0 0;
  padding: 0;
  list-style: none;
}

.link-row a {
  display: block;
  min-height: 5.5rem;
  padding: 1.15rem 1rem;
  border: 1px solid var(--line);
  color: var(--navy);
  font-weight: 650;
  text-decoration: none;
  line-height: 1.35;
}

.link-row a:hover {
  border-color: var(--navy);
  background: #fafbfc;
}

.site-footer {
  border-top: 1px solid var(--line);
  color: var(--muted);
  font-size: 0.92rem;
}

.site-footer .bar {
  align-items: flex-start;
  padding-top: 1.35rem;
  padding-bottom: 1.6rem;
}

.site-footer p { margin: 0; }

.doc-main {
  max-width: 44rem;
  margin: 0 auto;
  padding: 3.25rem 1.5rem 4.75rem;
}

.doc-main h1 {
  max-width: none;
  margin: 0 0 1rem;
  font-size: clamp(2.15rem, 4vw, 3.1rem);
  line-height: 1.08;
}

.doc-main h2 {
  margin: 2.35rem 0 0.65rem;
  font-size: 1.4rem;
  line-height: 1.25;
}

.doc-main p { margin: 0.7rem 0; }

.doc-main ul,
.doc-main ol { padding-left: 1.2rem; }

.doc-main li { margin: 0.35rem 0; }

.notice {
  background: #f4f7f8;
  border: 1px solid #d5e3e6;
  border-radius: 8px;
  padding: 0.85rem 1rem;
  color: #16343a;
  font-size: 0.95rem;
}

a.button {
  display: inline-block;
  margin: 0.65rem 0 0.35rem;
  padding: 0.8rem 1.15rem;
  background: var(--navy);
  color: #fff;
  text-decoration: none;
  font-weight: 650;
  border-radius: 999px;
}

a.button:hover {
  background: #243656;
  color: #fff;
}

@media (max-width: 860px) {
  .steps-grid,
  .split,
  .link-row { grid-template-columns: 1fr; }

  .steps article { padding-right: 0; }

  .steps article + article {
    padding-left: 0;
    border-left: 0;
    border-top: 1px solid var(--line);
  }

  .hero { padding: 3.25rem 0 2.4rem; }

  .band { padding: 3.25rem 0; }

  .site-header .bar,
  .site-footer .bar {
    flex-direction: column;
    align-items: flex-start;
    padding-top: 0.95rem;
    padding-bottom: 0.95rem;
  }

  .brand-line { white-space: normal; }
}