@font-face { font-family: "Outfit"; font-style: normal; font-weight: 400; font-display: swap; src: url("fonts/outfit-latin-400-normal.woff2") format("woff2"); }
@font-face { font-family: "Outfit"; font-style: normal; font-weight: 500; font-display: swap; src: url("fonts/outfit-latin-500-normal.woff2") format("woff2"); }
@font-face { font-family: "Outfit"; font-style: normal; font-weight: 700; font-display: swap; src: url("fonts/outfit-latin-700-normal.woff2") format("woff2"); }
@font-face { font-family: "Outfit"; font-style: normal; font-weight: 800; font-display: swap; src: url("fonts/outfit-latin-800-normal.woff2") format("woff2"); }

:root {
  --navy: #0A3D7A;
  --navy-deep: #072B57;
  --cyan: #3CC6D6;
  --glacier: #86C9EA;
  --mist: #EAF5FB;
  --ink: #1C2B3A;
  --muted: #3B4D61;
  --line: #D3E3EF;
  --on-navy: #DCEBF5;
  color-scheme: light;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  background: #FFFFFF;
  color: var(--ink);
  font-family: "Outfit", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  font-size: 18px;
  line-height: 1.6;
}
img, svg { display: block; max-width: 100%; }
a { color: var(--navy); text-underline-offset: 3px; }
a:hover { color: var(--navy-deep); }
:focus-visible { outline: 3px solid var(--cyan); outline-offset: 3px; border-radius: 4px; }

.wrap { width: 100%; max-width: 1120px; margin: 0 auto; padding: 0 20px; }

.skip { position: absolute; left: -9999px; top: 0; }
.skip:focus { left: 16px; top: 16px; z-index: 10; background: #FFFFFF; padding: 10px 14px; border-radius: 8px; }

/* Header */
header.site { background: #FFFFFF; border-bottom: 1px solid var(--line); }
header.site .wrap {
  display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between;
  gap: 4px 28px; padding-top: 12px; padding-bottom: 12px;
}
.brand {
  display: inline-flex; align-items: center; gap: 12px; min-height: 48px;
  color: var(--navy); font-weight: 700; font-size: 20px; line-height: 1.2; text-decoration: none;
}
.brand img { width: 44px; height: 44px; flex: 0 0 auto; }
nav.site ul { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 0 22px; }
nav.site a {
  display: inline-block; padding: 10px 0; color: var(--muted);
  font-size: 16px; font-weight: 500; text-decoration: none;
}
nav.site a:hover { color: var(--navy); text-decoration: underline; }

/* Type */
h1 {
  margin: 0 0 18px; color: var(--navy);
  font-size: clamp(36px, 6vw, 60px); line-height: 1.06; font-weight: 800; letter-spacing: -0.01em;
}
h2 {
  margin: 0 0 14px; color: var(--navy);
  font-size: clamp(28px, 4vw, 40px); line-height: 1.12; font-weight: 800; letter-spacing: -0.005em;
}
h3 { margin: 0 0 6px; color: var(--ink); font-size: 21px; line-height: 1.25; font-weight: 700; }
.eyebrow {
  display: inline-block; margin: 0 0 18px; padding: 6px 14px; border-radius: 999px;
  background: var(--navy); color: #FFFFFF;
  font-size: 14px; font-weight: 700; line-height: 1.3; letter-spacing: 0.06em; text-transform: uppercase;
}
.eyebrow-light { background: var(--cyan); color: var(--navy-deep); }
.lead { margin: 0 0 28px; max-width: 640px; color: var(--muted); font-size: clamp(18px, 2.2vw, 21px); }
.section-intro { margin: 0 0 36px; max-width: 680px; color: var(--muted); }

/* Buttons */
.actions { display: flex; flex-wrap: wrap; gap: 12px; }
.btn {
  display: inline-flex; align-items: center; justify-content: center; min-height: 48px;
  padding: 11px 24px; border: 2px solid var(--navy); border-radius: 999px;
  font-size: 17px; font-weight: 700; line-height: 1.2; text-decoration: none;
}
.btn-primary { background: var(--navy); color: #FFFFFF; }
.btn-primary:hover { background: var(--navy-deep); border-color: var(--navy-deep); color: #FFFFFF; }
.btn-secondary { background: transparent; color: var(--navy); }
.btn-secondary:hover { background: #FFFFFF; color: var(--navy-deep); }
.btn-cyan { background: var(--cyan); border-color: var(--cyan); color: var(--navy-deep); }
.btn-cyan:hover { background: #FFFFFF; border-color: #FFFFFF; color: var(--navy-deep); }

/* Sections */
section { padding: 72px 0; }
.hero { position: relative; overflow: hidden; padding: 64px 0 0; background: var(--mist); }
.hero-copy { max-width: 740px; }
.hero-art { width: 100%; height: 190px; margin-top: 56px; }
.band { background: var(--mist); }
.navy { background: var(--navy); color: var(--on-navy); }
.navy h2 { color: #FFFFFF; }
.navy p { color: var(--on-navy); }

/* How it works */
.steps, .cards { list-style: none; margin: 0; padding: 0; display: grid; gap: 20px; }
.steps { grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
.cards { grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); }
.step, .card { padding: 24px; border: 1px solid var(--line); border-radius: 16px; background: #FFFFFF; }
.step p, .card p { margin: 0; color: var(--muted); font-size: 17px; }
.step-num {
  display: flex; align-items: center; justify-content: center; width: 44px; height: 44px; margin-bottom: 14px;
  border-radius: 999px; background: var(--cyan); color: var(--navy-deep); font-size: 20px; font-weight: 800;
}

/* Two-column blocks */
.split { display: flex; flex-wrap: wrap; align-items: flex-start; gap: 36px 64px; }
.split > * { flex: 1 1 380px; min-width: 0; }
.split p { margin: 0 0 24px; }
.list-label { margin: 0 0 12px; font-weight: 700; color: var(--ink); }
.checks { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px; }
.checks li { display: flex; align-items: flex-start; gap: 14px; font-size: 18px; line-height: 1.45; }
.checks svg { flex: 0 0 28px; width: 28px; height: 28px; margin-top: -1px; }
.checks-light li { color: #FFFFFF; }

/* Footer */
footer.site { padding: 40px 0 48px; border-top: 1px solid var(--line); background: #FFFFFF; font-size: 16px; }
footer.site .wrap { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 20px 32px; }
.foot-brand { display: flex; align-items: center; gap: 12px; color: var(--ink); line-height: 1.35; }
.foot-brand img { width: 40px; height: 40px; flex: 0 0 auto; }
.foot-brand strong { color: var(--navy); }
footer.site ul { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 4px 22px; }
footer.site ul a { display: inline-block; padding: 10px 0; color: var(--muted); }
footer.site ul a:hover { color: var(--navy); }
.copy { flex: 1 1 100%; margin: 0; color: var(--muted); font-size: 15px; }

/* Policy pages */
.doc { max-width: 760px; padding: 56px 20px 72px; margin: 0 auto; }
.doc h1 { font-size: clamp(34px, 5vw, 48px); }
.doc .effective { margin: 0 0 32px; color: var(--muted); }
.doc h2 { margin-top: 40px; font-size: clamp(24px, 3vw, 28px); }
.doc h3 { margin-top: 24px; font-size: 19px; }
.doc p, .doc li { color: var(--ink); }
.doc ul { padding-left: 24px; }
.doc li { margin-bottom: 8px; }
.doc .note { padding: 18px 20px; border-radius: 12px; background: var(--mist); }

@media (max-width: 560px) {
  body { font-size: 17px; }
  section { padding: 56px 0; }
  .hero { padding-top: 44px; }
  .hero-art { height: 120px; margin-top: 40px; }
  .brand { font-size: 18px; }
  .brand img { width: 40px; height: 40px; }
  .btn { flex: 1 1 100%; }
  .doc { padding-top: 40px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}