:root {
  --navy: #10243a;
  --navy2: #16304f;
  --green: #16a36a;
  --green-dark: #0f7a4e;
  --ink: #1c2430;
  --muted: #5b6b7d;
  --bg: #f2f5f3;
  --card: #ffffff;
  --line: #e3e9e5;
}
* { box-sizing: border-box; }
body {
  margin: 0;
  font-family: system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  color: var(--ink);
  line-height: 1.65;
  background: #fff;
}
a { color: var(--green-dark); }
.wrap { max-width: 960px; margin: 0 auto; padding: 0 20px; }

/* Header */
header.site { background: #fff; border-bottom: 1px solid var(--line); }
header.site .wrap { display: flex; align-items: center; gap: 20px; padding-top: 14px; padding-bottom: 14px; flex-wrap: wrap; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy); font-weight: 800; font-size: 22px; }
.brand img { width: 40px; height: 40px; border-radius: 10px; display: block; }
nav.main { margin-left: auto; display: flex; gap: 18px; flex-wrap: wrap; }
nav.main a { text-decoration: none; color: var(--navy); font-weight: 600; font-size: 15px; }
nav.main a:hover { color: var(--green-dark); }

/* Hero */
.hero { background: linear-gradient(135deg, var(--navy2), var(--navy)); color: #fff; padding: 64px 0 56px; }
.hero .pill { display: inline-block; border: 1px solid var(--green); color: #7fe0ae; border-radius: 999px; padding: 6px 14px; font-size: 13px; letter-spacing: 2px; font-weight: 700; }
.hero h1 { font-size: 44px; line-height: 1.15; margin: 18px 0 12px; }
.hero p.lede { font-size: 18px; color: #c8d6e0; max-width: 620px; }
.hero .cta { margin-top: 26px; display: flex; gap: 12px; flex-wrap: wrap; }
.btn { display: inline-block; background: var(--green); color: #fff; text-decoration: none; font-weight: 700; padding: 12px 22px; border-radius: 10px; }
.btn:hover { background: var(--green-dark); }
.btn.ghost { background: transparent; border: 1px solid #fff; color: #fff; }
.btn.ghost:hover { background: rgba(255, 255, 255, 0.12); }
.hero .trust { margin-top: 18px; font-size: 14px; color: #9fb4c6; }

/* Sections */
section { padding: 48px 0; }
section.alt { background: var(--bg); }
h2 { font-size: 28px; color: var(--navy); margin: 0 0 8px; }
p.sub { color: var(--muted); margin-top: 0; }
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-top: 24px; }
.card { background: var(--card); border: 1px solid var(--line); border-radius: 12px; padding: 20px; }
.card h3 { margin: 0 0 6px; color: var(--navy); font-size: 18px; }
.card p { margin: 0; color: var(--muted); font-size: 15px; }
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-top: 24px; }
.step { border: 1px solid var(--line); border-radius: 12px; padding: 20px; background: #fff; }
.step .n { font-size: 13px; font-weight: 800; color: var(--green-dark); letter-spacing: 1px; }
.step h3 { margin: 6px 0; color: var(--navy); }
.step p { margin: 0; color: var(--muted); font-size: 15px; }
.fee { background: #eaf7f0; border-left: 4px solid var(--green); border-radius: 8px; padding: 16px 20px; margin-top: 20px; }
.fee strong { color: var(--navy); }
.note { background: #fff8e6; border-left: 4px solid #d9a406; border-radius: 8px; padding: 14px 18px; margin-top: 20px; }
.checklist { padding-left: 20px; }
.checklist li { margin-bottom: 8px; }

/* Legal pages */
.legal { padding: 40px 0 64px; }
.legal h1 { font-size: 32px; color: var(--navy); margin-bottom: 4px; }
.legal .updated { color: var(--muted); font-size: 14px; margin-bottom: 24px; }
.legal h2 { font-size: 20px; margin-top: 32px; }
.legal ul { padding-left: 22px; }
.legal li { margin-bottom: 8px; }

/* Footer */
footer.site { background: var(--navy); color: #c8d6e0; padding: 36px 0; font-size: 15px; }
footer.site a { color: #7fe0ae; }
footer.site .cols { display: flex; gap: 32px; flex-wrap: wrap; justify-content: space-between; }
footer.site .fine { margin-top: 24px; font-size: 13px; color: #8fa5b8; }

@media (max-width: 720px) {
  .hero h1 { font-size: 32px; }
  .hero { padding: 44px 0 40px; }
  .cards, .steps { grid-template-columns: 1fr; }
  nav.main { margin-left: 0; }
}