:root {
  --bg: #0b1020;
  --panel: #11182a;
  --panel-2: #f4f6f8;
  --text: #151a22;
  --muted: #616b78;
  --white: #ffffff;
  --accent: #c9a65b;
  --accent-dark: #9d7a34;
  --line: #dce1e7;
  --max: 1160px;
  --radius: 18px;
  --shadow: 0 18px 55px rgba(16, 24, 40, .12);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--text);
  background: #fff;
  line-height: 1.6;
}
a { color: inherit; }
img { max-width: 100%; }
.container { width: min(calc(100% - 40px), var(--max)); margin: 0 auto; }
.skip-link { position: absolute; left: -9999px; top: 0; }
.skip-link:focus { left: 16px; top: 16px; z-index: 999; background: #fff; padding: 10px; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(11,16,32,.96);
  border-bottom: 1px solid rgba(255,255,255,.08);
  backdrop-filter: blur(12px);
}
.nav-wrap { min-height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: center; gap: 11px; text-decoration: none; color: #fff; font-weight: 800; letter-spacing: .11em; }
.brand-mark {
  width: 34px; height: 34px; border: 1px solid var(--accent); border-radius: 50%;
  display: inline-grid; place-items: center; color: var(--accent); letter-spacing: 0;
}
.nav { display: flex; gap: 24px; align-items: center; }
.nav a { color: rgba(255,255,255,.82); text-decoration: none; font-size: 14px; font-weight: 600; }
.nav a:hover { color: #fff; }
.nav .nav-cta { border: 1px solid rgba(255,255,255,.25); border-radius: 999px; padding: 9px 16px; }
.menu-button { display: none; }

.hero {
  background:
    radial-gradient(circle at 85% 20%, rgba(201,166,91,.15), transparent 28%),
    linear-gradient(135deg, #0b1020 0%, #121a2c 100%);
  color: #fff;
  padding: 110px 0 96px;
}
.hero-grid { display: grid; grid-template-columns: 1.35fr .65fr; gap: 64px; align-items: center; }
.eyebrow { text-transform: uppercase; letter-spacing: .16em; font-size: 12px; font-weight: 800; color: var(--accent-dark); margin: 0 0 16px; }
.hero .eyebrow { color: var(--accent); }
h1, h2, h3 { line-height: 1.12; margin-top: 0; }
h1 { font-size: clamp(42px, 6vw, 72px); max-width: 900px; letter-spacing: -.045em; margin-bottom: 24px; }
h2 { font-size: clamp(30px, 4vw, 46px); letter-spacing: -.035em; }
h3 { font-size: 20px; }
.hero-copy { font-size: 19px; color: rgba(255,255,255,.78); max-width: 720px; }
.button-row { display: flex; gap: 14px; flex-wrap: wrap; margin: 32px 0 22px; }
.button {
  text-decoration: none; display: inline-flex; align-items: center; justify-content: center;
  min-height: 48px; padding: 0 20px; border-radius: 10px; font-weight: 800; font-size: 14px;
}
.button.primary { background: var(--accent); color: #121721; }
.button.primary:hover { background: #d9b96d; }
.button.secondary { border: 1px solid rgba(255,255,255,.28); color: #fff; }
.button.full { width: 100%; }
.small-note { font-size: 13px; color: rgba(255,255,255,.62); max-width: 760px; }
.hero-card { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.14); border-radius: var(--radius); padding: 30px; box-shadow: var(--shadow); }
.hero-card h2 { font-size: 29px; }
.hero-card p { color: rgba(255,255,255,.76); }
.card-kicker { color: var(--accent)!important; text-transform: uppercase; font-size: 12px; font-weight: 800; letter-spacing: .16em; }
.text-link { color: var(--accent-dark); font-weight: 800; text-decoration: none; }
.hero-card .text-link { color: var(--accent); }

.section { padding: 92px 0; }
.section.alt { background: var(--panel-2); }
.cards { display: grid; gap: 22px; margin-top: 38px; }
.cards.three { grid-template-columns: repeat(3, 1fr); }
.card { border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; background: #fff; box-shadow: 0 10px 35px rgba(16,24,40,.05); }
.card p { color: var(--muted); }
.step-num { color: var(--accent-dark); font-weight: 900; font-size: 13px; letter-spacing: .12em; }

.timeline { list-style: none; margin: 42px 0 0; padding: 0; display: grid; gap: 16px; }
.timeline li {
  display: grid; grid-template-columns: 52px 1fr; gap: 22px; background: #fff; border: 1px solid var(--line);
  border-radius: 14px; padding: 22px;
}
.timeline li > span { width: 42px; height: 42px; border-radius: 50%; background: #0b1020; color: #fff; display: grid; place-items: center; font-weight: 800; }
.timeline p { color: var(--muted); margin-bottom: 0; }

.split, .fee-grid, .contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 70px; align-items: start; }
.split p { color: var(--muted); font-size: 17px; }
.fee-section { background: #0b1020; color: #fff; }
.fee-section .eyebrow { color: var(--accent); }
.fee-box { border-left: 3px solid var(--accent); padding-left: 26px; }
.fee-box strong { font-size: 21px; }
.fee-box p { color: rgba(255,255,255,.75); }
.fee-box .small-note { color: rgba(255,255,255,.58); }

.contact-section { background: #f7f8fa; }
.contact-grid p { color: var(--muted); }
.security-note { padding: 14px 16px; border-left: 3px solid var(--accent-dark); background: #fff; }
.contact-card { background: #fff; padding: 28px; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); }
.contact-item { display: grid; gap: 4px; padding: 14px 0; border-bottom: 1px solid var(--line); }
.contact-item span:first-child { text-transform: uppercase; letter-spacing: .1em; color: var(--muted); font-size: 11px; font-weight: 800; }
.contact-item a { font-weight: 800; text-decoration: none; }
.contact-card .button { margin-top: 20px; }

.official-links { padding: 42px 0; border-top: 1px solid var(--line); }
.official-links h2 { font-size: 20px; }
.resource-links { display: flex; flex-wrap: wrap; gap: 16px 28px; }
.resource-links a { color: #26384f; font-weight: 700; }

.site-footer { background: #080c17; color: rgba(255,255,255,.7); padding: 50px 0; font-size: 13px; }
.footer-grid { display: grid; grid-template-columns: 1fr .5fr 1.2fr; gap: 40px; }
.footer-grid > div:nth-child(2) { display: grid; gap: 8px; align-content: start; }
.footer-grid a { color: rgba(255,255,255,.8); text-decoration: none; }
.footer-brand { margin-bottom: 14px; }
.footer-disclosure p { margin-top: 0; }

.legal-page { padding: 80px 0 100px; }
.legal-content { max-width: 820px; }
.legal-content h1 { font-size: clamp(40px, 6vw, 62px); color: #0b1020; }
.legal-content h2 { font-size: 27px; margin-top: 42px; }
.legal-content p, .legal-content li { color: #4e5968; font-size: 17px; }
.notice { background: #f4f6f8; border-left: 4px solid var(--accent-dark); border-radius: 0 12px 12px 0; padding: 22px 24px; margin: 34px 0; }
.notice strong { font-size: 20px; }
.legal-links { padding-left: 20px; }
.legal-links a { color: #244d79; font-weight: 700; }
.updated { font-size: 13px!important; margin-top: 54px; }

@media (max-width: 850px) {
  .hero { padding-top: 78px; }
  .hero-grid, .split, .fee-grid, .contact-grid { grid-template-columns: 1fr; gap: 38px; }
  .cards.three { grid-template-columns: 1fr; }
  .menu-button {
    display: inline-flex; border: 1px solid rgba(255,255,255,.28); background: transparent; color: #fff;
    border-radius: 8px; padding: 8px 12px;
  }
  .nav:not(.simple-nav) {
    display: none; position: absolute; top: 76px; left: 0; right: 0; background: #0b1020;
    padding: 20px; flex-direction: column; align-items: stretch; border-top: 1px solid rgba(255,255,255,.08);
  }
  .nav.open { display: flex; }
  .simple-nav { gap: 14px; }
  .footer-grid { grid-template-columns: 1fr; }
}

@media (max-width: 520px) {
  .container { width: min(calc(100% - 28px), var(--max)); }
  h1 { font-size: 42px; }
  .section { padding: 68px 0; }
  .simple-nav a:nth-child(2) { display: none; }
}