:root {
  --bg: #f4f6f9;
  --surface: #ffffff;
  --fg: #0f1c2e;
  --muted: #5c6b7a;
  --subtle: #7a8794;
  --primary: #0a2d6e;
  --primary-fg: #f5f6f8;
  --accent: #c4122f;
  --border: #d5dde6;
  --sand: #e7edf3;
  --ok: #1e6b48;
  --ok-fg: #e8f4ee;
  --warn: #8a5a12;
  --warn-fg: #f6eedf;
  --danger: #9b3b32;
  --radius: 12px;
  --shadow: 0 16px 40px -24px rgb(14 42 71 / 0.28);
  --font: "Outfit", ui-sans-serif, system-ui, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--fg);
  font-family: var(--font);
  line-height: 1.5;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
h1, h2, h3 { text-wrap: balance; margin: 0; letter-spacing: -0.02em; }
p { text-wrap: pretty; margin: 0; }
button, [type="submit"] { font-family: inherit; cursor: pointer; }
ul { margin: 0; padding: 0; list-style: none; }
address { font-style: normal; }

.wrap { max-width: 72rem; margin: 0 auto; padding: 0 1.5rem; }
.topbar {
  background: var(--primary);
  color: var(--primary-fg);
  font-size: 0.75rem;
  letter-spacing: 0.02em;
}
.topbar .wrap { display: flex; justify-content: space-between; gap: 1rem; padding-top: 0.5rem; padding-bottom: 0.5rem; }
.topbar p { white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.site-header {
  position: sticky; top: 0; z-index: 40;
  background: color-mix(in srgb, var(--bg) 95%, transparent);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
}
.header-row { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: 0.75rem 0; }
.brand { display: flex; align-items: center; gap: 0.75rem; min-height: 44px; }
.brand strong { display: block; font-size: 1.125rem; }
.brand small { display: block; font-size: 0.65rem; letter-spacing: 0.22em; text-transform: uppercase; color: var(--muted); }
.nav { display: none; gap: 0.15rem; }
.nav a { padding: 0.5rem 0.75rem; border-radius: 8px; font-size: 0.875rem; color: var(--muted); }
.nav a:hover, .nav a.active { background: var(--sand); color: var(--fg); }
.menu-btn {
  display: inline-flex; align-items: center; justify-content: center;
  width: 44px; height: 44px; border: 0; background: transparent; color: var(--fg);
}
.mobile-nav { display: none; border-top: 1px solid var(--border); background: var(--surface); padding: 1rem 1.5rem 1.25rem; }
.mobile-nav.open { display: block; }
.mobile-nav a { display: flex; min-height: 48px; align-items: center; border-bottom: 1px solid var(--border); }
.mobile-nav .row { display: grid; grid-template-columns: 1fr 1fr; gap: 0.5rem; margin-top: 1rem; }

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem;
  min-height: 44px; padding: 0 1.15rem; border-radius: 10px; font-weight: 500; font-size: 0.9rem;
  border: 1px solid transparent; transition: 0.15s background, 0.15s color;
}
.btn-primary { background: var(--primary); color: var(--primary-fg); }
.btn-primary:hover { background: #081422; }
.btn-sand { background: var(--sand); color: var(--fg); }
.btn-outline { background: transparent; border-color: var(--border); color: var(--fg); }
.btn-outline:hover { background: var(--sand); }
.btn-ghost { background: transparent; color: var(--primary-fg); }
.btn-lg { min-height: 48px; padding: 0 1.4rem; }
.btn-full { width: 100%; }

.hero-navy { background: var(--primary); color: var(--primary-fg); border-bottom: 1px solid var(--border); }
.hero-navy .wrap { display: grid; gap: 2.5rem; padding: 3rem 1.5rem; }
.kicker { font-size: 0.75rem; font-weight: 500; letter-spacing: 0.22em; text-transform: uppercase; color: var(--accent); }
.hero-navy .kicker { color: var(--sand); }
.hero-navy h1 { font-size: clamp(2rem, 4vw, 3rem); font-weight: 600; line-height: 1.12; }
.hero-navy p.lede { margin-top: 1.25rem; max-width: 28rem; color: var(--sand); }
.checks { margin-top: 1.5rem; display: grid; gap: 0.5rem; color: var(--sand); font-size: 0.9rem; }
.checks li { display: flex; gap: 0.5rem; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 0.75rem; margin-top: 2rem; }
.hero-navy .btn-outline { border-color: rgb(231 237 243 / 0.4); color: var(--primary-fg); }
.hero-navy .btn-outline:hover { background: var(--accent); }

.page-hero { background: var(--surface); border-bottom: 1px solid var(--border); }
.page-hero .wrap { padding: 3.5rem 1.5rem; }
.page-hero h1 { margin-top: 1rem; font-size: clamp(1.9rem, 4vw, 3rem); font-weight: 600; max-width: 46rem; }
.page-hero .lede { margin-top: 1.25rem; max-width: 40rem; color: var(--muted); font-size: 1.05rem; }

.section { padding: 3.5rem 0; }
.surface { background: var(--surface); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.grid-2 { display: grid; gap: 1.5rem; }
.grid-3 { display: grid; gap: 1.5rem; }
.mt-2 { margin-top: 0.5rem; } .mt-3 { margin-top: 0.75rem; } .mt-4 { margin-top: 1rem; }
.mt-5 { margin-top: 1.25rem; } .mt-8 { margin-top: 2rem; } .mt-10 { margin-top: 2.5rem; }
.muted { color: var(--muted); } .subtle { color: var(--subtle); font-size: 0.75rem; }
.h2 { font-size: clamp(1.6rem, 3vw, 2rem); font-weight: 600; }
.h3 { font-size: 1.25rem; font-weight: 600; }

.card {
  background: var(--surface); border: 1px solid var(--border); border-radius: 16px;
  padding: 1.5rem; box-shadow: var(--shadow);
}
.product { display: block; padding: 1.5rem; }
.product .icon {
  width: 40px; height: 40px; border-radius: 8px; background: var(--sand); color: var(--primary);
  display: inline-flex; align-items: center; justify-content: center;
}
.product ul { margin-top: 1rem; display: grid; gap: 0.5rem; color: var(--muted); font-size: 0.9rem; }
.product li { display: flex; gap: 0.5rem; }
.dot { width: 6px; height: 6px; border-radius: 99px; background: var(--accent); margin-top: 0.5rem; flex-shrink: 0; }
.more { display: inline-flex; margin-top: 1.25rem; color: var(--accent); font-size: 0.9rem; font-weight: 500; }

.photo { width: 100%; height: 14rem; object-fit: cover; }
.photo-wide { width: 100%; height: 16rem; object-fit: cover; }
.rounded { border-radius: 16px; }

table { width: 100%; border-collapse: collapse; font-size: 0.9rem; text-align: left; }
thead { background: var(--sand); }
th, td { padding: 0.75rem 1rem; border-bottom: 1px solid var(--border); vertical-align: top; }
th { font-weight: 500; }
.table-wrap { border: 1px solid var(--border); border-radius: 12px; overflow: auto; background: var(--surface); }

.steps { display: grid; gap: 2rem; }
.step-n { font-size: 1.85rem; font-weight: 600; font-variant-numeric: tabular-nums; color: var(--accent); }
.banks { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; background: var(--border); border: 1px solid var(--border); border-radius: 12px; overflow: hidden; }
.banks li { background: var(--surface); padding: 1rem; font-size: 0.9rem; font-weight: 500; }

.purpose { background: var(--bg); border: 1px solid var(--border); border-radius: 12px; padding: 1.25rem; }
.docs li { border-bottom: 1px solid var(--border); padding: 0.5rem 0; color: var(--muted); font-size: 0.9rem; }

.cta { background: var(--primary); color: var(--primary-fg); }
.cta .wrap { display: flex; flex-direction: column; gap: 1.5rem; padding: 3.5rem 1.5rem; }
.cta h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); font-weight: 600; max-width: 36rem; }
.cta p { color: var(--sand); max-width: 36rem; }
.cta-actions { display: flex; flex-wrap: wrap; gap: 0.75rem; }
.cta .btn-outline { border-color: rgb(231 237 243 / 0.4); color: var(--primary-fg); }
.cta .btn-outline:hover { background: var(--accent); }

.site-footer { background: var(--primary); color: var(--primary-fg); border-top: 1px solid var(--border); }
.footer-grid { display: grid; gap: 2.5rem; padding: 3.5rem 0; }
.site-footer small { color: var(--sand); letter-spacing: 0.22em; text-transform: uppercase; font-size: 0.65rem; }
.site-footer .sand { color: var(--sand); }
.site-footer a:hover { color: var(--surface); }
.legal { border-top: 1px solid rgb(26 111 138 / 0.4); font-size: 0.75rem; color: rgb(231 237 243 / 0.8); }
.legal .wrap { display: flex; flex-direction: column; gap: 0.5rem; padding: 1.25rem 1.5rem; }

.calc label { display: block; font-size: 0.875rem; font-weight: 500; margin-bottom: 0.5rem; }
.calc input[type="number"], .calc input[type="text"], .calc input[type="tel"], .calc select, .calc textarea {
  width: 100%; height: 48px; border: 1px solid var(--border); border-radius: 10px;
  padding: 0 1rem; font: inherit; background: var(--surface); color: var(--fg);
}
.calc textarea { height: auto; min-height: 7rem; padding: 0.75rem 1rem; }
.calc input:focus, .calc select:focus, .calc textarea:focus { outline: 2px solid color-mix(in srgb, var(--accent) 30%, transparent); border-color: var(--primary); }
.kind { display: grid; grid-template-columns: 1fr 1fr; gap: 0.5rem; }
.chip-row { display: flex; flex-wrap: wrap; gap: 0.5rem; }
.chip {
  height: 40px; padding: 0 0.85rem; border: 0; border-radius: 8px;
  background: var(--sand); color: var(--fg); font-weight: 500; font-size: 0.875rem;
}
.chip.on, .kind button.on { background: var(--primary); color: var(--primary-fg); }
.fields { display: grid; gap: 1rem; margin-top: 1.25rem; }
.result { margin-top: 1.5rem; border-radius: 12px; padding: 1.25rem; background: var(--sand); }
.result.likely { background: var(--ok); color: var(--ok-fg); }
.result.partial { background: var(--warn-fg); color: var(--warn); }
.result .amt { font-size: 1.85rem; font-weight: 600; font-variant-numeric: tabular-nums; margin-top: 0.4rem; }
.result dl { display: grid; gap: 0.75rem; margin: 1rem 0 0; font-size: 0.875rem; }
.result dt { opacity: 0.8; }
.result dd { margin: 0; font-weight: 500; font-variant-numeric: tabular-nums; }
.range { width: 100%; accent-color: var(--accent); }
.statbar { display: grid; gap: 0.75rem; margin-top: 2rem; background: var(--primary); color: var(--primary-fg); border-radius: 12px; padding: 1.25rem; }
.statbar p { font-size: 0.75rem; letter-spacing: 0.16em; text-transform: uppercase; color: var(--sand); }
.statbar strong { display: block; margin-top: 0.25rem; font-size: 1.35rem; font-variant-numeric: tabular-nums; }
.field-row { display: flex; justify-content: space-between; gap: 1rem; align-items: baseline; }

.faq details { border-bottom: 1px solid var(--border); }
.faq summary { list-style: none; cursor: pointer; padding: 1.25rem 0; font-weight: 500; display: flex; justify-content: space-between; gap: 1rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq details p { padding: 0 2rem 1.25rem 0; color: var(--muted); font-size: 0.9rem; }

.process-row { display: grid; gap: 1rem; padding: 2rem 0; border-bottom: 1px solid var(--border); }

@media (min-width: 640px) {
  .topbar { display: block; }
  .grid-2 { grid-template-columns: 1fr 1fr; }
  .fields { grid-template-columns: 1fr 1fr; }
  .result dl { grid-template-columns: repeat(3, 1fr); }
  .statbar { grid-template-columns: repeat(3, 1fr); }
  .banks { grid-template-columns: repeat(3, 1fr); }
  .photo { height: 18rem; }
  .photo-wide { height: 22rem; }
}
@media (min-width: 900px) {
  .nav { display: flex; }
  .menu-btn { display: none; }
  .mobile-nav, .mobile-nav.open { display: none !important; }
  .hero-navy .wrap { grid-template-columns: 5fr 7fr; align-items: start; }
  .grid-3 { grid-template-columns: repeat(3, 1fr); }
  .banks { grid-template-columns: repeat(4, 1fr); }
  .footer-grid { grid-template-columns: 5fr 3fr 4fr; }
  .cta .wrap { flex-direction: row; align-items: flex-end; justify-content: space-between; }
  .legal .wrap { flex-direction: row; justify-content: space-between; }
  .process-row { grid-template-columns: 2fr 4fr 6fr; align-items: start; }
}
@media (max-width: 639px) {
  .topbar { display: none; }
}