:root{
  --bg: #F7F8FA;
  --surface: #fff;
  --ink: #2A3B4D;
  --ink-soft: #45566A;
  --muted: #5A6A7C;
  --faint: #8A97A6;
  --primary: #1B3A5C;
  --primary-hover: #22496F;
  --accent: #C9962E;
  --accent-tint: rgba(201,150,46,.08);
  --accent-tint-strong: rgba(201,150,46,.12);
  --line: #E8ECF1;
  --line-soft: #EEF1F5;
  --card-border: #EAEEF3;
  --footer-bg: #142C44;
  --disclaimer-bg: #FBF3DF;
  --disclaimer-border: #EAD9A6;
  --disclaimer-ink: #7A5A12;
  --disclaimer-text: #6B5316;
  --radius-lg: 16px;
  --radius-md: 12px;
  --radius-sm: 9px;
  --shadow-sm: 0 2px 8px -4px rgba(27,58,92,.08);
  --shadow-md: 0 20px 40px -22px rgba(27,58,92,.28);
  --shadow-hero: 0 40px 80px -40px rgba(27,58,92,.35), 0 8px 24px -12px rgba(27,58,92,.15);
  --font-display: "Fraunces", ui-serif, Georgia, serif;
  --font-body: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --maxw: 1160px;
  --maxw-narrow: 820px;
}

*{ box-sizing: border-box; }
html{ scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior: auto; }
  *{ animation: none !important; transition-duration: .001ms !important; }
}

body{
  margin:0;
  background: var(--bg);
  color: var(--ink);
  font-family: var(--font-body);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  line-height: 1.6;
}

h1,h2,h3{ font-family: var(--font-display); color: var(--primary); font-weight: 600; line-height: 1.15; margin: 0; }
h1{ font-size: clamp(2rem, 4vw, 3.25rem); letter-spacing: -1px; }
h2{ font-size: clamp(1.6rem, 2.6vw, 2.375rem); letter-spacing: -.6px; }
h3{ font-size: 1.1875rem; margin-bottom: .4em; }
p{ margin: 0 0 1em; color: var(--ink-soft); }
a{ color: var(--primary); text-decoration: none; }
a:hover{ color: var(--accent); }
ul, ol{ list-style: none; margin: 0; padding: 0; }
svg{ display:block; flex-shrink:0; }
::selection{ background: rgba(201,150,46,.2); }
:focus-visible{ outline: 2px solid var(--accent); outline-offset: 3px; border-radius: 4px; }

.wrap{ max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }
.wrap-narrow{ max-width: var(--maxw-narrow); margin: 0 auto; padding: 0 24px; }

.skip-link{ position:absolute; left:-999px; background: var(--primary); color:#fff; padding: 12px 18px; border-radius: 0 0 8px 0; z-index: 200; }
.skip-link:focus{ left:0; top:0; }

/* ---------- Buttons ---------- */
.btn{ display:inline-flex; align-items:center; gap:8px; padding: 15px 28px; border-radius: var(--radius-md); font-weight:600; font-size:1rem; transition: transform .15s ease, box-shadow .15s ease, background .15s ease, border-color .15s ease; }
.btn-primary{ background: var(--primary); color:#fff; box-shadow: 0 10px 26px -10px rgba(27,58,92,.55); }
.btn-primary:hover{ background: var(--primary-hover); color:#fff; transform: translateY(-1px); }
.btn-accent{ background: var(--accent); color:#1B2A3A; box-shadow: 0 12px 30px -12px rgba(201,150,46,.7); }
.btn-accent:hover{ background:#D8A63C; color:#1B2A3A; }
.btn-ghost{ background:#fff; color: var(--primary); border: 1px solid #DCE3EC; }
.btn-ghost:hover{ border-color: var(--accent); color: var(--primary); }
.btn-ghost-inverse{ background: transparent; color:#fff; border: 1px solid rgba(255,255,255,.28); }
.btn-ghost-inverse:hover{ border-color: var(--accent); color:#fff; }
.btn-sm{ padding: 11px 20px; font-size:.9375rem; border-radius: 10px; box-shadow: 0 6px 18px -6px rgba(27,58,92,.5); }

/* ---------- Header ---------- */
.site-header{ position: sticky; top:0; z-index:100; background: rgba(247,248,250,.85); backdrop-filter: saturate(160%) blur(12px); -webkit-backdrop-filter: saturate(160%) blur(12px); border-bottom: 1px solid var(--line); }
.header-inner{ height:72px; display:flex; align-items:center; justify-content:space-between; gap:24px; }
.logo{ display:flex; align-items:center; gap:12px; }
.logo:hover{ color: var(--primary); }
.logo-mark{ width:38px; height:38px; border-radius:10px; background: var(--primary); display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.logo-text{ font-family: var(--font-display); font-weight:600; font-size:1.1875rem; color: var(--primary); letter-spacing:-.2px; }
.logo-text.light{ color:#fff; }

.main-nav{ display:flex; align-items:center; gap:30px; }
.main-nav a:not(.btn){ font-size:.9375rem; color: var(--ink-soft); font-weight:500; }
.main-nav a:not(.btn):hover{ color: var(--primary); }

.nav-toggle{ display:none; flex-direction:column; gap:5px; background:none; border:none; padding:8px; cursor:pointer; }
.nav-toggle span{ width:22px; height:2px; background: var(--primary); border-radius:2px; }

.mobile-nav{ display:none; flex-direction:column; border-top:1px solid var(--line); background: var(--surface); padding: 8px 24px 16px; }
.mobile-nav a{ padding:12px 0; border-bottom:1px solid var(--line-soft); color: var(--ink); font-weight:500; }
.mobile-nav.open{ display:flex; }

@media (max-width: 880px){
  .main-nav{ display:none; }
  .nav-toggle{ display:flex; }
}

/* ---------- Hero ---------- */
.hero{ padding: 76px 0 56px; overflow: hidden; }
.hero-inner{ display:grid; grid-template-columns: 1.05fr .95fr; gap:56px; align-items:center; }

.eyebrow-pill{ display:inline-flex; align-items:center; gap:8px; font-size:.8125rem; font-weight:600; letter-spacing:.3px; color: var(--accent); background: var(--accent-tint-strong); padding:7px 14px; border-radius:999px; text-transform:uppercase; white-space: nowrap; }
.eyebrow-pill .dot{ width:6px; height:6px; border-radius:999px; background: var(--accent); flex-shrink:0; }
.eyebrow-short{ display:none; }

.hero-copy h1{ margin-top:22px; }
.hero-lede{ font-size:1.125rem; color: var(--ink-soft); max-width:520px; margin-top:20px; }
.hero-ctas{ display:flex; flex-wrap:wrap; gap:14px; margin-top:32px; }

.trust-row{ display:flex; flex-wrap:wrap; gap:10px; margin-top:32px; }
.trust-row li{ display:inline-flex; align-items:center; gap:8px; font-size:.84375rem; font-weight:600; color: var(--primary); background:#fff; border:1px solid var(--line); padding:9px 14px; border-radius:999px; }

.hero-visual{ position:relative; display:flex; align-items:center; justify-content:center; min-height:440px; }
.doc-card{ width:320px; max-width:100%; background:#fff; border:1px solid var(--card-border); border-radius: var(--radius-lg); box-shadow: var(--shadow-hero); padding:30px 30px 34px; transform: rotate(-2deg); }
.doc-card-head{ display:flex; align-items:center; gap:10px; padding-bottom:16px; border-bottom:1px solid var(--line-soft); }
.doc-card-icon{ width:30px; height:30px; border-radius:8px; background: var(--primary); display:flex; align-items:center; justify-content:center; flex-shrink:0; }
.doc-card-title{ font-size:.6875rem; font-weight:700; color: var(--primary); letter-spacing:.4px; }
.doc-card-sub{ font-size:.625rem; color: var(--faint); }
.doc-line{ height:9px; border-radius:6px; background: var(--line-soft); margin-top:12px; }
.doc-card-head + .doc-line{ margin-top:20px; }
.doc-card-foot{ display:flex; gap:8px; margin-top:26px; align-items:center; }
.doc-line.thin{ flex:1; height:9px; background:#F1F4F8; margin-top:0; }
.doc-badge{ width:60px; height:26px; border-radius:6px; border:1px dashed #D6DEE8; flex-shrink:0; }

.stamp-seal{ position:absolute; right:4px; bottom:34px; transform: rotate(-12deg); animation: stampIn .75s cubic-bezier(.2,.85,.25,1) .45s both; }
.doc-float{ animation: floatDoc 6s ease-in-out infinite; }

@keyframes stampIn{
  0%   { opacity: 0; transform: rotate(-16deg) scale(2.0); }
  55%  { opacity: 1; transform: rotate(-13deg) scale(0.9); }
  72%  { transform: rotate(-11deg) scale(1.05); }
  100% { opacity: 1; transform: rotate(-12deg) scale(1); }
}
@keyframes floatDoc{ 0%,100%{ transform: translateY(0) rotate(-2deg); } 50%{ transform: translateY(-10px) rotate(-2deg); } }

@media (max-width: 980px){
  .hero{ padding: 32px 0 48px; }
  .hero-inner{ grid-template-columns: 1fr; }
  .hero-visual{ max-width:300px; margin:0 auto 8px; order:-1; min-height:auto; }
}
@media (max-width: 480px){
  .eyebrow-full{ display:none; }
  .eyebrow-short{ display:inline; }
}

/* ---------- Institutional band ---------- */
.institutional-band{ background: var(--primary); color:#EAF0F6; }
.band-inner{ padding: 64px 24px; max-width: 1000px; text-align:center; }
.band-lead{ font-family: var(--font-display); font-weight:500; font-size:1.5rem; line-height:1.45; letter-spacing:-.3px; color:#fff; margin:0; }
.band-badges{ display:flex; flex-wrap:wrap; justify-content:center; gap:14px; margin-top:34px; }
.band-badge{ display:inline-flex; align-items:center; gap:9px; font-size:.875rem; font-weight:600; color:#fff; background: rgba(255,255,255,.08); border:1px solid rgba(201,150,46,.4); padding:11px 18px; border-radius:999px; }
.band-badge .dot{ width:7px; height:7px; border-radius:999px; background: var(--accent); }

/* ---------- Generic section ---------- */
.section{ padding: 96px 0; }
.section-surface{ background: var(--surface); }
.section-bordered{ border-top:1px solid var(--line-soft); border-bottom:1px solid var(--line-soft); }
.section-head{ max-width: 620px; }
.section-head.center{ max-width:560px; margin:0 auto; text-align:center; }
.section-eyebrow{ font-size:.8125rem; font-weight:700; letter-spacing:1.5px; text-transform:uppercase; color: var(--accent); margin-bottom:0; }
.section-head h2{ margin-top:12px; }
.section-lede{ font-size:1.0625rem; margin-top:14px; }

/* ---------- Services ---------- */
.service-grid{ display:grid; grid-template-columns: repeat(3, 1fr); gap:22px; margin-top:46px; }
.service-card{ background:#fff; border:1px solid var(--card-border); border-radius: var(--radius-lg); padding:30px; box-shadow: var(--shadow-sm); transition: border-color .15s ease, box-shadow .15s ease; }
.service-card:hover{ border-color: var(--accent); box-shadow: var(--shadow-md); }
.service-icon{ width:46px; height:46px; border-radius:12px; background: rgba(27,58,92,.06); display:flex; align-items:center; justify-content:center; }
.service-card h3{ margin:18px 0 8px; line-height:1.25; font-size:1.1875rem; }
.service-card p{ font-size:.90625rem; margin:0; color: var(--muted); }

@media (max-width: 980px){ .service-grid{ grid-template-columns: repeat(2,1fr); } }
@media (max-width: 620px){ .service-grid{ grid-template-columns: 1fr; } }

/* ---------- Process ---------- */
.process-grid{ display:grid; grid-template-columns: repeat(3, 1fr); gap:22px; margin-top:46px; }
.process-card{ background: var(--bg); border:1px solid var(--line-soft); border-radius: var(--radius-lg); padding:28px; }
.step-n{ display:inline-flex; align-items:center; justify-content:center; width:40px; height:40px; border-radius:999px; background: var(--primary); color: var(--accent); font-family: var(--font-display); font-weight:700; font-size:1.125rem; }
.process-card h3{ margin:16px 0 6px; font-size:1.125rem; }
.process-card p{ font-size:.90625rem; margin:0; color: var(--muted); }
.process-note{ font-size:.875rem; color: var(--faint); margin: 28px 0 0; display:flex; align-items:center; gap:8px; }

@media (max-width: 980px){ .process-grid{ grid-template-columns: repeat(2,1fr); } }
@media (max-width: 620px){ .process-grid{ grid-template-columns: 1fr; } }

/* ---------- About ---------- */
.about-inner{ display:grid; grid-template-columns: 1fr 1fr; gap:56px; align-items:start; }
.about-copy p{ font-size:1.0625rem; margin-top:16px; }
.about-copy p:first-of-type{ margin-top:20px; }
.about-copy strong{ color: var(--ink); }
.about-cards{ display:grid; gap:16px; }
.mini-card{ background:#fff; border:1px solid var(--card-border); border-radius: var(--radius-lg); padding:26px; }
.mini-card h3{ margin:0 0 6px; font-size:1.125rem; }
.mini-card p{ font-size:.90625rem; margin:0; color: var(--muted); }

@media (max-width: 900px){ .about-inner{ grid-template-columns:1fr; } }

/* ---------- Deadlines ---------- */
.deadlines-inner{ display:grid; grid-template-columns: 1fr 1.3fr; gap:48px; align-items:center; }
.deadlines-inner p{ font-size:1.0625rem; }
.deadlines-inner strong{ color: var(--ink); }

@media (max-width: 900px){ .deadlines-inner{ grid-template-columns:1fr; } }

/* ---------- Disclaimer ---------- */
.disclaimer-section{ padding: 56px 0; }
.disclaimer-panel{ display:flex; gap:22px; align-items:flex-start; background: var(--disclaimer-bg); border:1px solid var(--disclaimer-border); border-radius: var(--radius-lg); padding:34px 36px; }
.disclaimer-icon{ flex-shrink:0; width:48px; height:48px; border-radius:12px; background: var(--accent-tint-strong); display:flex; align-items:center; justify-content:center; }
.disclaimer-panel h2{ font-size:1.375rem; color: var(--disclaimer-ink); margin-bottom:8px; }
.disclaimer-panel p{ font-size:.96875rem; color: var(--disclaimer-text); margin:0; max-width:760px; }
.text-link{ color: var(--disclaimer-ink); text-decoration:underline; font-weight:600; }
.text-link:hover{ color: var(--accent); }

/* ---------- FAQ ---------- */
.accordion{ margin-top:40px; display:grid; gap:12px; }
.accordion-item{ background: var(--bg); border:1px solid var(--line-soft); border-radius: var(--radius-md); overflow:hidden; }
.accordion-item h3{ margin:0; }
.accordion-trigger{ width:100%; background:transparent; border:0; cursor:pointer; display:flex; align-items:center; justify-content:space-between; gap:16px; padding:22px 24px; text-align:left; font-family: var(--font-display); font-weight:600; font-size:1.09375rem; color: var(--primary); }
.accordion-trigger::after{ content:"+"; flex-shrink:0; width:28px; height:28px; border-radius:999px; background: var(--accent-tint-strong); color: var(--accent); display:inline-flex; align-items:center; justify-content:center; font-size:1.25rem; font-weight:600; line-height:1; transition: transform .2s ease; }
.accordion-trigger[aria-expanded="true"]::after{ content:"–"; }
.accordion-panel{ max-height:0; overflow:hidden; transition: max-height .3s ease; }
.accordion-panel p{ padding: 0 24px 24px; margin:0; font-size:.96875rem; color: var(--muted); }

/* ---------- CTA ---------- */
.cta-section{ background: var(--primary); }
.cta-inner{ padding: 88px 24px; text-align:center; }
.cta-inner h2{ color:#fff; }
.cta-inner p{ font-size:1.125rem; color:#B9C7D6; margin: 16px auto 0; max-width:520px; }
.cta-actions{ display:flex; flex-wrap:wrap; justify-content:center; gap:14px; margin-top:32px; }

/* ---------- Footer ---------- */
.site-footer{ background: var(--footer-bg); color:#A9BACB; padding-top:64px; }
.footer-grid{ display:grid; grid-template-columns: 1.5fr 1fr 1fr; gap:40px; padding-bottom:0; }
.footer-brand p{ font-size:.875rem; line-height:1.7; margin:18px 0 0; max-width:340px; }
.footer-brand a{ color:#A9BACB; }
.footer-brand a:hover{ color: var(--accent); }
.footer-col h4{ font-size:.8125rem; font-weight:700; letter-spacing:1px; text-transform:uppercase; color:#fff; margin:0 0 16px; }
.footer-col{ display:flex; flex-direction:column; }
.footer-col a{ font-size:.90625rem; color:#A9BACB; padding:5.5px 0; }
.footer-col a:hover{ color: var(--accent); }
.footer-bottom{ border-top:1px solid rgba(255,255,255,.1); margin-top:48px; padding:26px 24px; display:flex; flex-wrap:wrap; gap:14px; justify-content:space-between; align-items:center; }
.footer-bottom p{ font-size:.8125rem; margin:0; }
.footer-bottom p:first-child{ max-width:620px; color:#8FA2B5; }
.footer-bottom p:last-child{ color:#6E8399; }

@media (max-width: 900px){ .footer-grid{ grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px){ .footer-grid{ grid-template-columns: 1fr; } }