:root {
  --navy: #142a3f;
  --navy-deep: #0e1f2f;
  --ink: #1f2a36;
  --muted: #5b6672;
  --line: #d9dee4;
  --bg: #f6f7f9;
  --card: #ffffff;
  --accent: #a81f2d;
  --accent-soft: #f3e3e5;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Source Sans 3", "Segoe UI", system-ui, -apple-system, sans-serif;
  font-size: 17px;
  line-height: 1.55;
  color: var(--ink);
  background: var(--bg);
}
h1, h2, h3 {
  font-family: "Archivo", "Source Sans 3", system-ui, sans-serif;
  color: var(--navy);
  line-height: 1.15;
  margin: 0 0 .6em;
}
h1 { font-size: clamp(1.9rem, 4vw, 2.8rem); font-weight: 700; }
h2 { font-size: clamp(1.4rem, 2.6vw, 1.85rem); font-weight: 600; }
h3 { font-size: 1.1rem; font-weight: 600; }
p { margin: 0 0 1em; }
a { color: var(--navy); }
a:hover { color: var(--accent); }

.wrap { width: min(1080px, 100% - 32px); margin: 0 auto; }

/* Header */
.site-header {
  background: var(--card);
  border-bottom: 1px solid var(--line);
  position: sticky; top: 0; z-index: 10;
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 16px; padding: 14px 0;
}
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--navy); }
.brand-mark {
  display: inline-grid; place-items: center;
  width: 42px; height: 42px; border-radius: 8px;
  background: var(--navy); color: #fff;
  font-family: "Archivo", sans-serif; font-weight: 700; letter-spacing: .5px;
  border-bottom: 3px solid var(--accent);
}
.brand-text { display: flex; flex-direction: column; line-height: 1.1; }
.brand-name { font-family: "Archivo", sans-serif; font-weight: 600; font-size: 1.05rem; }
.brand-sub { font-size: .8rem; color: var(--muted); }
.nav { display: flex; gap: 22px; flex-wrap: wrap; }
.nav a { text-decoration: none; font-weight: 600; font-size: .95rem; }

/* Hero */
.hero {
  background: linear-gradient(180deg, var(--navy) 0%, var(--navy-deep) 100%);
  color: #e9eef3;
  padding: 72px 0 64px;
  border-bottom: 4px solid var(--accent);
}
.hero h1 { color: #fff; max-width: 820px; }
.eyebrow {
  text-transform: uppercase; letter-spacing: .14em; font-size: .78rem; font-weight: 600;
  color: #c9d3dd; margin-bottom: 14px;
}
.lede { font-size: 1.15rem; max-width: 720px; color: #d6dee6; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 26px; }
.btn {
  display: inline-block; padding: 12px 20px; border-radius: 6px;
  text-decoration: none; font-weight: 600; font-size: .95rem;
  border: 1px solid transparent;
}
.btn-primary { background: #fff; color: var(--navy); }
.btn-primary:hover { background: var(--accent-soft); color: var(--navy); }
.btn-ghost { border-color: rgba(255,255,255,.45); color: #fff; }
.btn-ghost:hover { border-color: #fff; color: #fff; }

/* Sections */
.section { padding: 64px 0; }
.section-alt { background: #eef1f4; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.grid-2 { display: grid; grid-template-columns: 1.4fr 1fr; gap: 40px; align-items: start; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 8px; }
.card {
  background: var(--card); border: 1px solid var(--line); border-radius: 8px;
  padding: 22px 22px 10px;
}
.card h3 { margin-bottom: .5em; }
.note { margin-top: 22px; color: var(--muted); font-size: .95rem; }
.muted { color: var(--muted); }

.facts {
  background: var(--card); border: 1px solid var(--line); border-radius: 8px;
  padding: 22px; border-top: 4px solid var(--accent);
}
.facts dl { margin: 0; display: grid; grid-template-columns: auto 1fr; gap: 8px 16px; }
.facts dt { color: var(--muted); font-size: .9rem; }
.facts dd { margin: 0; font-weight: 600; }

address { font-style: normal; line-height: 1.6; margin-bottom: 12px; }
.regulatory {
  background: var(--card); border: 1px solid var(--line); border-radius: 8px; padding: 22px;
  font-size: .95rem;
}
.occc { line-height: 1.7; }

/* Footer */
.site-footer { background: var(--navy-deep); color: #c9d3dd; padding: 22px 0; font-size: .9rem; }
.footer-inner { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
.footer-inner p { margin: 0; }
.site-footer a { color: #fff; }

/* Privacy page */
.doc { max-width: 760px; }
.doc h2 { font-size: 1.25rem; margin-top: 1.8em; }
.doc .updated { color: var(--muted); font-size: .95rem; }

@media (max-width: 820px) {
  .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .hero { padding: 52px 0 44px; }
  .section { padding: 48px 0; }
  .header-inner { flex-direction: column; align-items: flex-start; }
}