:root {
  --ink: #0F1720;
  --text: #16202A;
  --muted: #5B6875;
  --page: #F4F6F8;
  --card: #FFFFFF;
  --border: #DCE2E7;
  --divider: #E6EBEF;
  --primary: #1F5F99;
  --primary-hover: #184E80;
  --teal: #2A7480;
  --orange: #EB8E2B;
  --orange-text: #A85A12;
  --topbar-link: #C5CED6;
  --font: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.6;
  color: var(--text);
  background: var(--page);
}
a { color: var(--primary); }
a:hover { color: var(--primary-hover); }
:focus-visible { outline: 3px solid rgba(31, 95, 153, 0.35); outline-offset: 2px; border-radius: 4px; }
img { max-width: 100%; height: auto; display: block; }

.skip { position: absolute; left: -9999px; }
.skip:focus { left: 16px; top: 16px; background: #fff; padding: 8px 12px; z-index: 10; }

.wrap { max-width: 1120px; margin: 0 auto; padding: 0 24px; }

/* ---------------------------------------------------------- header */
.site-header { background: var(--ink); }
.site-header .wrap {
  display: flex; align-items: center; justify-content: space-between;
  min-height: 72px; gap: 16px;
}
.brand img { width: 168px; }
.site-nav { display: flex; align-items: center; gap: 24px; }
.site-nav a { color: var(--topbar-link); text-decoration: none; font-size: 15px; }
.site-nav a:hover, .site-nav a[aria-current="page"] { color: var(--orange); }
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  min-height: 44px; padding: 0 20px; border-radius: 8px;
  font-weight: 600; font-size: 15px; text-decoration: none;
  border: 1px solid transparent; cursor: pointer;
}
.btn-primary { background: var(--primary); color: #fff; }
.btn-primary:hover { background: var(--primary-hover); color: #fff; }
.btn-light { background: #fff; color: #4A5560; border-color: #C9D2DA; }
.btn-light:hover { background: #EEF4F8; color: var(--text); }
.site-nav .btn-primary { color: #fff; }
.site-nav .btn-primary:hover { color: #fff; }

/* ------------------------------------------------------------ hero */
.hero { background: var(--ink); color: #fff; padding: 72px 0 88px; }
.hero .bars { display: grid; gap: 8px; margin-bottom: 32px; }
.hero .bars span { display: block; height: 8px; border-radius: 4px; }
.hero .bars span:nth-child(1) { width: 180px; background: var(--orange); }
.hero .bars span:nth-child(2) { width: 132px; background: var(--teal); }
.hero .bars span:nth-child(3) { width: 180px; background: #2B3846; }
.hero h1 { font-size: clamp(34px, 5vw, 52px); line-height: 1.12; margin: 0 0 20px; max-width: 760px; letter-spacing: -0.01em; }
.hero p { font-size: 19px; color: #C5CED6; max-width: 640px; margin: 0 0 32px; }
.hero .actions { display: flex; flex-wrap: wrap; gap: 12px; }

/* --------------------------------------------------------- sections */
section { padding: 72px 0; }
.section-title { font-size: 28px; line-height: 1.25; margin: 0 0 12px; }
.section-lead { color: var(--muted); max-width: 680px; margin: 0 0 40px; }
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.card {
  background: var(--card); border: 1px solid var(--border); border-radius: 12px; padding: 28px;
}
.card h3 { font-size: 19px; margin: 0 0 8px; }
.card p { color: var(--muted); margin: 0; font-size: 16px; }
.card .accent { width: 32px; height: 4px; border-radius: 2px; background: var(--teal); margin-bottom: 20px; }
.band { background: var(--card); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.contact-list { list-style: none; padding: 0; margin: 0; }
.contact-list li { padding: 12px 0; border-bottom: 1px solid var(--divider); }
.contact-list li:last-child { border-bottom: 0; }
.label { display: block; font-size: 13px; color: var(--muted); text-transform: none; }

/* ------------------------------------------------------- legal pages */
.page-head { background: var(--ink); color: #fff; padding: 48px 0; }
.page-head h1 { margin: 0 0 8px; font-size: clamp(30px, 4vw, 40px); line-height: 1.2; }
.page-head p { margin: 0; color: #C5CED6; }
.legal { padding: 48px 0 72px; }
.legal .doc {
  background: var(--card); border: 1px solid var(--border); border-radius: 12px;
  padding: 40px; max-width: 840px;
}
.legal h2 { font-size: 22px; margin: 40px 0 12px; }
.legal h2:first-child { margin-top: 0; }
.legal h3 { font-size: 18px; margin: 28px 0 8px; }
.legal ul { padding-left: 22px; }
.legal li { margin: 6px 0; }
.callout {
  border: 1px solid var(--border); border-left: 4px solid var(--teal); border-radius: 0;
  background: #F6F8FA; padding: 16px 20px; margin: 20px 0;
}
.toc { columns: 2; padding-left: 22px; margin: 0 0 8px; }

/* Sample screens on the SMS page */
.sample {
  border: 1px solid var(--border); border-radius: 12px; background: #F6F8FA;
  padding: 24px; margin: 16px 0 8px;
}
.sample-label { font-size: 13px; color: var(--orange-text); font-weight: 600; margin: 0 0 12px; }
.mock-form { background: #fff; border: 1px solid var(--border); border-radius: 12px; padding: 24px; max-width: 460px; }
.mock-form h4 { margin: 0 0 4px; font-size: 18px; }
.mock-form .sub { color: var(--muted); font-size: 15px; margin: 0 0 16px; }
.mock-field label { display: block; font-weight: 600; font-size: 14px; margin-bottom: 6px; }
.mock-input {
  border: 1px solid #C9D2DA; border-radius: 8px; min-height: 44px; padding: 10px 12px;
  color: var(--text); font-size: 16px; background: #fff;
}
.mock-check { display: grid; grid-template-columns: 22px 1fr; gap: 10px; margin: 18px 0; font-size: 14px; line-height: 1.5; }
.mock-box { width: 20px; height: 20px; border: 1px solid #C9D2DA; border-radius: 4px; background: #fff; margin-top: 2px; }
.mock-btn { background: var(--primary); color: #fff; border-radius: 8px; min-height: 44px; display: flex; align-items: center; justify-content: center; font-weight: 600; }
.sms {
  max-width: 340px; background: #fff; border: 1px solid var(--border); border-radius: 18px 18px 18px 4px;
  padding: 14px 16px; font-size: 15px; line-height: 1.5;
}
.sms-from { font-size: 13px; color: var(--muted); margin: 0 0 6px; }

/* ----------------------------------------------------------- footer */
.site-footer { background: var(--ink); color: #C5CED6; padding: 48px 0 32px; font-size: 15px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 40px; }
.site-footer h2 { color: #fff; font-size: 15px; margin: 0 0 12px; }
.site-footer a { color: #C5CED6; text-decoration: none; }
.site-footer a:hover { color: var(--orange); }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin: 0 0 8px; }
.site-footer address { font-style: normal; line-height: 1.7; }
.site-footer .logo img { width: 150px; margin-bottom: 16px; }
.footer-bottom {
  margin-top: 40px; padding-top: 20px; border-top: 1px solid #243140;
  display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px; font-size: 14px; color: #8C98A4;
}

/* -------------------------------------------------------- responsive */
@media (max-width: 860px) {
  .cards { grid-template-columns: 1fr; }
  .split { grid-template-columns: 1fr; gap: 32px; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .toc { columns: 1; }
}
@media (max-width: 600px) {
  body { font-size: 16px; }
  .wrap { padding: 0 16px; }
  .brand img { width: 132px; }
  .site-nav { gap: 14px; }
  .site-nav .hide-sm { display: none; }
  .hero { padding: 48px 0 56px; }
  section { padding: 48px 0; }
  .legal .doc { padding: 24px; border-radius: 0; border-left: 0; border-right: 0; }
  .legal { padding: 0 0 48px; }
  .legal .wrap { padding: 0; }
}