:root {
  --navy: #062f5f;
  --navy-dark: #022349;
  --teal: #078aa2;
  --teal-soft: #e8f7fa;
  --coral: #f2554d;
  --coral-dark: #d83f38;
  --ink: #0e2440;
  --muted: #5d6d80;
  --line: #d9e4ee;
  --surface: #ffffff;
  --band: #f3f8fc;
  --shadow: 0 20px 50px rgba(7, 41, 75, 0.12);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--surface);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.6;
}

a {
  color: inherit;
  text-decoration: none;
}

img {
  display: block;
  max-width: 100%;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  min-height: 78px;
  padding: 18px clamp(20px, 5vw, 72px);
  background: rgba(255, 255, 255, 0.94);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(14px);
}

.brand {
  flex: 0 0 auto;
  color: var(--navy);
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(1.45rem, 2vw, 2rem);
  font-weight: 700;
  letter-spacing: 0;
}

.brand span {
  color: var(--teal);
  font-family: Inter, ui-sans-serif, system-ui, sans-serif;
  font-weight: 800;
}

.brand small {
  color: var(--teal);
  font-family: Inter, ui-sans-serif, system-ui, sans-serif;
  font-size: 0.58em;
  font-weight: 700;
}

.top-nav {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: clamp(16px, 3vw, 36px);
  color: var(--navy-dark);
  font-size: 0.96rem;
  font-weight: 700;
}

.top-nav a {
  padding: 8px 0;
}

.top-nav a:hover,
.top-nav a:focus-visible {
  color: var(--teal);
}

.header-cta,
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0 24px;
  border-radius: 6px;
  font-weight: 800;
  line-height: 1;
  transition: transform 160ms ease, background 160ms ease, box-shadow 160ms ease;
}

.header-cta,
.button-primary {
  color: #fff;
  background: var(--coral);
  box-shadow: 0 12px 24px rgba(242, 85, 77, 0.26);
}

.header-cta:hover,
.button-primary:hover,
.header-cta:focus-visible,
.button-primary:focus-visible {
  background: var(--coral-dark);
  transform: translateY(-1px);
}

.hero {
  display: grid;
  grid-template-columns: minmax(0, 0.98fr) minmax(340px, 1.02fr);
  align-items: stretch;
  min-height: 610px;
  background: linear-gradient(90deg, #fff 0%, #fff 46%, #f6fbfe 100%);
}

.hero-copy {
  align-self: center;
  max-width: 660px;
  padding: clamp(40px, 6vw, 76px) clamp(24px, 6vw, 78px);
}

.hero h1,
.compare-copy h2,
.section-heading h2,
.faq-section h2,
.legal-hero h1 {
  margin: 0;
  color: var(--navy-dark);
  font-family: Georgia, "Times New Roman", serif;
  font-weight: 700;
  line-height: 1.08;
  letter-spacing: 0;
}

.hero h1 {
  max-width: 720px;
  font-size: clamp(2.5rem, 4.1vw, 4.35rem);
}

.hero-copy > p {
  max-width: 560px;
  margin: 22px 0 18px;
  color: #2c435d;
  font-size: clamp(1.05rem, 1.5vw, 1.28rem);
  line-height: 1.55;
}

.check-list {
  display: grid;
  gap: 12px;
  margin: 0 0 24px;
  padding: 0;
  list-style: none;
  color: var(--navy-dark);
  font-weight: 700;
}

.check-list li {
  position: relative;
  padding-left: 34px;
}

.check-list li::before {
  position: absolute;
  left: 0;
  top: 1px;
  display: grid;
  place-items: center;
  width: 22px;
  height: 22px;
  color: var(--teal);
  border: 2px solid var(--teal);
  border-radius: 50%;
  content: "✓";
  font-size: 0.8rem;
  font-weight: 900;
}

.hero-actions {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 18px;
}

.hero-actions .button {
  min-width: 230px;
}

.hero-media {
  position: relative;
  min-height: 440px;
  overflow: hidden;
}

.hero-media::after {
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(255, 255, 255, 0.98) 0%, rgba(255, 255, 255, 0.36) 23%, rgba(255, 255, 255, 0) 54%);
  content: "";
  pointer-events: none;
}

.hero-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: 46% center;
}

.steps-band,
.faq-section {
  background: linear-gradient(180deg, #eef8fc 0%, #f8fcff 100%);
}

.steps-band,
.resources-section,
.faq-section {
  padding: clamp(60px, 8vw, 96px) clamp(22px, 6vw, 80px);
}

.section-heading {
  max-width: 720px;
  margin: 0 auto 42px;
  text-align: center;
}

.section-heading h2,
.faq-section h2,
.compare-copy h2,
.legal-hero h1 {
  font-size: clamp(2rem, 3vw, 3.15rem);
}

.section-heading p,
.resources-section article p,
.step-card p,
.compare-copy p,
.faq-section p {
  color: var(--muted);
}

.step-grid,
.resource-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  max-width: 1160px;
  margin: 0 auto;
}

.step-card {
  padding: 12px 46px 6px;
  border-right: 1px solid var(--line);
}

.step-card:last-child {
  border-right: 0;
}

.step-icon {
  display: grid;
  place-items: center;
  width: 74px;
  height: 74px;
  margin-bottom: 24px;
  color: var(--teal);
}

.step-icon svg {
  width: 70px;
  height: 70px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.7;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.step-card h3,
.resources-section article h3,
.plan-panel h3 {
  margin: 0 0 12px;
  color: var(--navy-dark);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.45rem;
  line-height: 1.2;
}

.step-card a {
  display: inline-block;
  margin-top: 10px;
  color: var(--teal);
  font-weight: 800;
}

.step-card a::after {
  content: " →";
}

.compare-section {
  display: grid;
  grid-template-columns: minmax(0, 0.92fr) minmax(360px, 1.08fr);
  align-items: center;
  gap: clamp(40px, 7vw, 96px);
  padding: clamp(64px, 8vw, 110px) clamp(24px, 6vw, 82px);
  background: #fff;
}

.compare-copy {
  max-width: 620px;
}

.compare-copy > p {
  margin: 22px 0 28px;
  font-size: 1.05rem;
}

.feature-list {
  display: grid;
  gap: 20px;
  margin-bottom: 34px;
}

.feature-list div {
  display: grid;
  grid-template-columns: 44px minmax(0, 1fr);
  column-gap: 16px;
}

.feature-list strong {
  color: var(--navy-dark);
  font-size: 1.04rem;
}

.feature-list p {
  grid-column: 2;
  margin: 2px 0 0;
}

.feature-icon {
  grid-row: span 2;
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  color: var(--teal);
  background: var(--teal-soft);
  border: 1px solid #bfe8ef;
  border-radius: 50%;
  font-weight: 900;
}

.plan-panel {
  max-width: 720px;
  padding: 26px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.panel-header {
  display: flex;
  gap: 7px;
  margin-bottom: 22px;
}

.panel-header span {
  width: 10px;
  height: 10px;
  background: #cfdbe6;
  border-radius: 50%;
}

.panel-header span:first-child {
  background: var(--coral);
}

.panel-header span:nth-child(2) {
  background: #f3bd51;
}

.panel-header span:nth-child(3) {
  background: var(--teal);
}

.review-list {
  display: grid;
  gap: 12px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.review-list li {
  display: grid;
  gap: 4px;
  padding: 16px;
  background: #f5f9fd;
  border: 1px solid var(--line);
  border-radius: 6px;
}

.review-list strong {
  color: var(--navy-dark);
}

.review-list span {
  color: var(--muted);
  font-size: 0.95rem;
}

.table-note {
  margin: 16px 0 0;
  color: var(--muted);
  font-size: 0.9rem;
}

.resources-section {
  background: #fff;
}

.resource-grid {
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
}

.resources-section article {
  min-height: 190px;
  padding: 28px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  box-shadow: 0 12px 32px rgba(7, 41, 75, 0.07);
}

.faq-section h2 {
  margin-bottom: 30px;
  text-align: center;
}

.faq-list {
  display: grid;
  gap: 12px;
  max-width: 960px;
  margin: 0 auto;
}

.faq-list details {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 6px;
}

.faq-list summary {
  cursor: pointer;
  padding: 18px 24px;
  color: var(--navy-dark);
  font-weight: 800;
}

.faq-list p {
  margin: 0;
  padding: 0 24px 20px;
}

.site-footer {
  padding: 54px clamp(24px, 6vw, 82px) 26px;
  color: #eaf5fb;
  background: linear-gradient(135deg, #03305d, #042449);
}

.footer-grid {
  display: grid;
  grid-template-columns: minmax(260px, 1.4fr) repeat(2, minmax(160px, 0.6fr));
  gap: 44px;
  max-width: 1160px;
  margin: 0 auto 36px;
}

.footer-brand {
  display: inline-block;
  margin-bottom: 14px;
  color: #fff;
}

.site-footer p,
.site-footer a {
  color: #eaf5fb;
}

.site-footer h2 {
  margin: 0 0 14px;
  color: #fff;
  font-size: 1rem;
}

.site-footer a:not(.brand) {
  display: block;
  margin: 9px 0;
}

.footer-disclosure {
  max-width: 1060px;
  margin: 0 auto;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.22);
  font-size: 0.9rem;
  line-height: 1.65;
}

.footer-disclosure p {
  margin: 0 0 12px;
}

.footer-disclosure p:last-child {
  margin-bottom: 0;
}

.copyright {
  margin: 20px auto 0;
  text-align: center;
  font-size: 0.9rem;
}

.legal-main {
  background: #fff;
}

.legal-hero {
  padding: clamp(56px, 8vw, 92px) clamp(24px, 6vw, 82px);
  background: var(--band);
  border-bottom: 1px solid var(--line);
}

.legal-hero p {
  max-width: 760px;
  margin: 18px 0 0;
  color: var(--muted);
  font-size: 1.08rem;
}

.legal-content {
  max-width: 900px;
  padding: 48px clamp(24px, 6vw, 82px) 80px;
}

.legal-content h2 {
  margin: 32px 0 10px;
  color: var(--navy-dark);
  font-size: 1.35rem;
}

.legal-content p,
.legal-content li {
  color: #3b4c61;
}

@media (max-width: 980px) {
  .site-header {
    align-items: flex-start;
    flex-wrap: wrap;
  }

  .top-nav {
    order: 3;
    width: 100%;
    justify-content: flex-start;
    overflow-x: auto;
  }

  .hero,
  .compare-section {
    grid-template-columns: 1fr;
  }

  .hero {
    min-height: auto;
  }

  .hero-media {
    min-height: 360px;
  }

  .hero-media::after {
    background: linear-gradient(180deg, rgba(255, 255, 255, 0) 50%, #fff 100%);
  }

  .step-grid,
  .resource-grid {
    grid-template-columns: 1fr 1fr;
  }

  .step-card {
    padding: 20px;
    border-right: 0;
    border-bottom: 1px solid var(--line);
  }
}

@media (max-width: 680px) {
  .site-header {
    min-height: auto;
    padding: 16px 18px;
  }

  .header-cta {
    width: 100%;
  }

  .top-nav {
    gap: 18px;
    font-size: 0.88rem;
  }

  .hero-copy {
    padding: 36px 20px 54px;
  }

  .hero h1 {
    font-size: clamp(2.35rem, 13vw, 3.6rem);
  }

  .hero-actions,
  .hero-actions .button {
    width: 100%;
  }

  .step-grid,
  .resource-grid,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .steps-band,
  .resources-section,
  .faq-section,
  .compare-section {
    padding-left: 20px;
    padding-right: 20px;
  }

  .plan-panel {
    padding: 18px;
  }
}