:root {
  --navy: #102a68;
  --blue: #1769e8;
  --ink: #17223b;
  --muted: #66728b;
  --line: #dfe6f0;
  --soft: #f4f7fb;
  --white: #fff;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: #fbfcfe; font-family: "DM Sans", system-ui, sans-serif; -webkit-font-smoothing: antialiased; }
a { color: inherit; }
h1, h2, h3 { color: var(--navy); font-family: "Manrope", sans-serif; }
.site-header { position: sticky; z-index: 10; top: 0; border-bottom: 1px solid rgba(223,230,240,.9); background: rgba(255,255,255,.94); backdrop-filter: blur(12px); }
.header-inner { width: min(1160px, calc(100% - 40px)); min-height: 78px; display: flex; align-items: center; justify-content: space-between; gap: 30px; margin: auto; }
.site-brand img { display: block; width: 105px; height: auto; }
.header-inner nav { display: flex; flex-wrap: wrap; gap: 24px; }
.header-inner nav a { color: #53617e; text-decoration: none; font-size: 14px; font-weight: 600; }
.header-inner nav a:hover, .header-inner nav a[aria-current] { color: var(--blue); }

.home-hero { width: min(1160px, calc(100% - 40px)); display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(330px, .7fr); align-items: center; gap: clamp(50px, 8vw, 100px); margin: auto; padding: 100px 0 90px; }
.hero-copy h1 { max-width: 730px; margin: 0 0 24px; font-size: clamp(42px, 5vw, 68px); line-height: 1.06; letter-spacing: -.045em; }
.hero-copy > p:not(.kicker) { max-width: 650px; margin: 0; color: var(--muted); font-size: 19px; line-height: 1.7; }
.kicker { margin: 0 0 13px; color: var(--blue); text-transform: uppercase; letter-spacing: .15em; font-size: 12px; font-weight: 700; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 35px; }
.hero-actions a { padding: 14px 19px; border-radius: 7px; text-decoration: none; font-weight: 700; }
.primary-link { color: white; background: var(--blue); }
.secondary-link { color: var(--navy); border: 1px solid var(--line); background: white; }
.trust-card { padding: 35px; border: 1px solid #e5eaf2; border-radius: 14px; background: white; box-shadow: 0 22px 70px rgba(16,42,104,.12); }
.trust-icon { width: 50px; height: 50px; display: grid; place-items: center; border-radius: 50%; color: white; background: #22a35a; font-size: 24px; }
.trust-card h2 { margin: 22px 0 15px; font-size: 24px; }
.trust-card ul { margin: 0; padding-left: 20px; color: var(--muted); line-height: 1.65; }
.trust-card li + li { margin-top: 9px; }

.steps-section, .policy-section { padding: 85px max(20px, calc((100% - 1160px) / 2)); }
.steps-section { background: var(--navy); }
.steps-section .section-heading h2, .steps-section h3 { color: white; }
.section-heading { max-width: 680px; margin-bottom: 38px; }
.section-heading h2 { margin: 0; font-size: clamp(30px, 4vw, 43px); letter-spacing: -.03em; }
.section-heading > p:last-child { color: var(--muted); }
.steps-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.steps-grid article { padding: 28px; border: 1px solid rgba(255,255,255,.14); border-radius: 10px; background: rgba(255,255,255,.06); }
.steps-grid span { color: #78a9ff; font-weight: 700; }
.steps-grid h3 { margin: 22px 0 9px; }
.steps-grid p { margin: 0; color: #c8d3e8; line-height: 1.65; }
.policy-section { background: var(--soft); }
.policy-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
.policy-grid > a { padding: 28px; border: 1px solid var(--line); border-radius: 10px; background: white; text-decoration: none; transition: transform .15s, box-shadow .15s; }
.policy-grid > a:hover { transform: translateY(-2px); box-shadow: 0 14px 38px rgba(16,42,104,.09); }
.policy-grid span { color: var(--blue); text-transform: uppercase; letter-spacing: .12em; font-size: 11px; font-weight: 700; }
.policy-grid h3 { margin: 10px 0; font-size: 21px; }
.policy-grid p { color: var(--muted); line-height: 1.55; }
.policy-grid b { color: var(--blue); font-size: 14px; }
.support-strip { width: min(1160px, calc(100% - 40px)); display: flex; align-items: center; justify-content: space-between; gap: 35px; margin: 80px auto; padding: 38px 42px; border-radius: 12px; background: #eaf2ff; }
.support-strip h2 { margin: 0; }
.support-strip > div:last-child { display: flex; flex-direction: column; gap: 9px; color: var(--blue); font-weight: 700; }

.policy-shell { width: min(900px, calc(100% - 40px)); margin: 70px auto 90px; }
.policy-heading { max-width: 760px; margin-bottom: 35px; }
.back-link { color: var(--blue); text-decoration: none; font-size: 14px; font-weight: 700; }
.policy-heading h1 { margin: 20px 0 8px; font-size: clamp(38px, 5vw, 58px); letter-spacing: -.04em; }
.updated { color: #8791a6 !important; font-size: 13px !important; }
.policy-heading p { color: var(--muted); font-size: 18px; line-height: 1.65; }
.policy-card { padding: clamp(28px, 6vw, 58px); border: 1px solid var(--line); border-radius: 12px; background: white; box-shadow: 0 18px 60px rgba(16,42,104,.08); }
.policy-card section + section { margin-top: 42px; padding-top: 42px; border-top: 1px solid #edf0f5; }
.policy-card h2 { margin: 0 0 15px; font-size: 24px; }
.policy-card p, .policy-card li { color: #465573; line-height: 1.72; }
.policy-card ul { padding-left: 22px; }
.policy-card li + li { margin-top: 7px; }
.policy-card a { color: var(--blue); }
.policy-highlight { margin-right: -18px; margin-left: -18px; padding: 25px 18px !important; border: 1px solid #cfe0ff !important; border-radius: 9px; background: #f1f6ff; }

.site-footer { padding: 50px max(20px, calc((100% - 1160px) / 2)); color: #a9b7d1; background: #0b204f; }
.site-footer > div:first-child { max-width: 430px; }
.site-footer img { width: 92px; filter: brightness(0) invert(1); }
.site-footer p { line-height: 1.55; }
.footer-links { display: flex; flex-wrap: wrap; gap: 18px; margin: 28px 0; }
.footer-links a { color: white; font-size: 14px; }
.copyright { margin: 0; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.12); font-size: 13px; }

@media (max-width: 800px) {
  .site-header { position: relative; }
  .header-inner { align-items: flex-start; flex-direction: column; padding: 18px 0; }
  .header-inner nav { gap: 12px 18px; }
  .home-hero { grid-template-columns: 1fr; padding: 65px 0; }
  .hero-copy h1 { font-size: 43px; }
  .steps-grid { grid-template-columns: 1fr; }
  .policy-grid { grid-template-columns: 1fr; }
  .support-strip { align-items: flex-start; flex-direction: column; padding: 30px; }
}

@media (max-width: 520px) {
  .header-inner, .home-hero, .support-strip, .policy-shell { width: min(100% - 28px, 1160px); }
  .site-brand img { width: 92px; }
  .header-inner nav a { font-size: 13px; }
  .hero-copy h1 { font-size: 36px; }
  .hero-copy > p:not(.kicker) { font-size: 17px; }
  .hero-actions { flex-direction: column; }
  .hero-actions a { text-align: center; }
  .trust-card { padding: 26px; }
  .steps-section, .policy-section { padding-top: 65px; padding-bottom: 65px; }
  .policy-shell { margin-top: 45px; }
  .policy-heading h1 { font-size: 38px; }
  .policy-card { padding: 25px 21px; }
  .policy-highlight { margin-right: -8px; margin-left: -8px; padding-right: 12px !important; padding-left: 12px !important; }
}