@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800&display=swap');

:root {
  --navy: #0A3970;
  --navy-dark: #062B54;
  --teal: #079D9A;
  --teal-dark: #057B78;
  --soft-teal: #E8F7F6;
  --soft-blue: #F4F8FB;
  --white: #FFFFFF;
  --text: #17324A;
  --muted: #5E7184;
  --border: #D7E4EA;
  --shadow: 0 18px 45px rgba(10, 57, 112, 0.12);
  --radius: 24px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Inter, Arial, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
}

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

a {
  color: inherit;
}

.skip-link {
  position: absolute;
  left: -999px;
  top: 10px;
  background: var(--navy);
  color: white;
  padding: 10px 14px;
  z-index: 1000;
  border-radius: 8px;
}

.skip-link:focus {
  left: 10px;
}

.container {
  width: min(1160px, calc(100% - 40px));
  margin: 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.94);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--border);
}

.nav-wrap {
  min-height: 86px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 22px;
}

.brand img {
  width: min(260px, 46vw);
  height: auto;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 18px;
  font-size: 0.94rem;
  font-weight: 700;
}

.main-nav a {
  text-decoration: none;
  color: var(--navy);
}

.nav-button,
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 12px 20px;
  border-radius: 999px;
  font-weight: 800;
  text-decoration: none;
  transition: transform 0.18s ease, background 0.18s ease, box-shadow 0.18s ease;
  border: 1px solid transparent;
}

.nav-button,
.button.primary {
  background: var(--teal);
  color: white !important;
  box-shadow: 0 10px 22px rgba(7, 157, 154, 0.22);
}

.button.secondary {
  background: white;
  color: var(--navy);
  border-color: var(--border);
}

.button.light {
  background: white;
  color: var(--navy);
}

.button:hover,
.nav-button:hover {
  transform: translateY(-2px);
}

.nav-button:hover,
.button.primary:hover {
  background: var(--teal-dark);
}

.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid var(--border);
  border-radius: 12px;
  background: white;
  cursor: pointer;
}

.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--navy);
  margin: 5px auto;
}

.hero {
  padding: 84px 0 70px;
  background:
    radial-gradient(circle at 85% 10%, rgba(7,157,154,0.20), transparent 28%),
    linear-gradient(135deg, #FFFFFF 0%, #F4FAFB 48%, #EAF7F6 100%);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.18fr 0.82fr;
  align-items: center;
  gap: 42px;
}

.eyebrow {
  margin: 0 0 10px;
  color: var(--teal-dark);
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0.11em;
  font-size: 0.78rem;
}

h1, h2, h3 {
  color: var(--navy);
  line-height: 1.12;
}

h1 {
  margin: 0 0 22px;
  font-size: clamp(2.5rem, 6vw, 5rem);
  letter-spacing: -0.05em;
}

h2 {
  margin: 0 0 16px;
  font-size: clamp(1.9rem, 3.5vw, 3rem);
  letter-spacing: -0.035em;
}

h3 {
  margin: 0 0 10px;
  font-size: 1.16rem;
}

.hero-copy {
  font-size: 1.2rem;
  color: #35536E;
  max-width: 750px;
  margin: 0;
}

.hero-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin: 30px 0 18px;
}

.microcopy {
  font-size: 0.92rem;
  color: var(--muted);
  margin: 0;
}

.hero-panel {
  background: white;
  border: 1px solid var(--border);
  border-radius: 32px;
  box-shadow: var(--shadow);
  padding: 34px;
}

.check-list {
  list-style: none;
  padding: 0;
  margin: 20px 0 0;
}

.check-list li {
  position: relative;
  padding-left: 34px;
  margin: 16px 0;
  color: #405A70;
}

.check-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  top: 0;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--soft-teal);
  color: var(--teal-dark);
  font-weight: 900;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

.section {
  padding: 78px 0;
}

.section.soft {
  background: var(--soft-blue);
}

.split {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: 52px;
}

.text-stack p {
  margin-top: 0;
  color: #3F586F;
  font-size: 1.04rem;
}

.section-heading {
  max-width: 820px;
  margin-bottom: 34px;
}

.section-heading p {
  color: #4A6278;
  margin: 0;
  font-size: 1.04rem;
}

.cards {
  display: grid;
  gap: 22px;
}

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

.cards.two {
  grid-template-columns: repeat(2, 1fr);
}

.card,
.step,
.contact-card,
.notice-card,
.legal-grid article {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 26px;
  box-shadow: 0 12px 30px rgba(10, 57, 112, 0.06);
}

.card p,
.step p,
.notice-card p,
.legal-grid p {
  color: #425D73;
  margin-bottom: 0;
}

.icon {
  width: 44px;
  height: 44px;
  border-radius: 14px;
  background: var(--soft-teal);
  color: var(--teal-dark);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 900;
  margin-bottom: 18px;
}

.steps {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
}

.step span {
  display: inline-flex;
  width: 34px;
  height: 34px;
  align-items: center;
  justify-content: center;
  background: var(--navy);
  color: white;
  border-radius: 50%;
  font-weight: 900;
  margin-bottom: 14px;
}

.price-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.price {
  color: var(--teal-dark) !important;
  font-size: 2.6rem;
  font-weight: 900;
  margin: 4px 0 8px !important;
}

.price-card .button {
  margin-top: auto;
}

.provider-section {
  background: linear-gradient(180deg, white, #F9FCFD);
}

.provider-grid {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: 48px;
  align-items: center;
}

.provider-photo-wrap {
  border-radius: 34px;
  overflow: hidden;
  box-shadow: var(--shadow);
  background: var(--navy);
}

.provider-photo {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  object-position: center top;
}

.provider-copy p {
  color: #425D73;
  font-size: 1.04rem;
}

.faq-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}

details {
  background: white;
  border: 1px solid var(--border);
  border-radius: 18px;
  padding: 20px 22px;
}

summary {
  cursor: pointer;
  font-weight: 800;
  color: var(--navy);
}

details p {
  color: #425D73;
  margin-bottom: 0;
}

.cta-section {
  padding: 70px 0;
  background: white;
}

.cta-card {
  background: linear-gradient(135deg, var(--navy), #0F587A);
  color: white;
  border-radius: 34px;
  padding: 54px 34px;
  text-align: center;
  box-shadow: var(--shadow);
}

.cta-card h2 {
  color: white;
}

.cta-card p {
  max-width: 760px;
  margin: 0 auto 28px;
  color: #E6F5F6;
  font-size: 1.08rem;
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 26px;
}

.contact-card {
  margin-top: 20px;
}

.contact-card p {
  margin: 8px 0;
}

.notice-card h3 + p {
  margin-top: 0;
}

.legal-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
}

.site-footer {
  background: var(--navy-dark);
  color: white;
  padding: 34px 0;
}

.footer-grid {
  display: flex;
  justify-content: space-between;
  gap: 24px;
  align-items: center;
  flex-wrap: wrap;
}

.footer-logo {
  width: 220px;
  background: white;
  border-radius: 14px;
  padding: 10px;
  margin-bottom: 14px;
}

.site-footer p {
  margin: 4px 0;
  color: #DCECF2;
}

@media (max-width: 1020px) {
  .main-nav {
    position: absolute;
    top: 86px;
    left: 20px;
    right: 20px;
    display: none;
    flex-direction: column;
    align-items: stretch;
    background: white;
    border: 1px solid var(--border);
    border-radius: 20px;
    box-shadow: var(--shadow);
    padding: 18px;
  }

  .main-nav.open {
    display: flex;
  }

  .nav-toggle {
    display: block;
  }

  .hero-grid,
  .split,
  .provider-grid,
  .contact-grid {
    grid-template-columns: 1fr;
  }

  .cards.three,
  .cards.two,
  .faq-grid,
  .legal-grid {
    grid-template-columns: 1fr;
  }

  .steps {
    grid-template-columns: repeat(2, 1fr);
  }

  .provider-photo-wrap {
    max-width: 480px;
  }
}

@media (max-width: 620px) {
  .container {
    width: min(100% - 28px, 1160px);
  }

  .brand img {
    width: 210px;
  }

  .hero {
    padding: 58px 0 48px;
  }

  .section {
    padding: 56px 0;
  }

  .steps {
    grid-template-columns: 1fr;
  }

  .hero-actions {
    flex-direction: column;
  }

  .button {
    width: 100%;
  }
}