:root {
  --ink: #16233a;
  --navy: #192a45;
  --navy-2: #243956;
  --red: #9f1d2a;
  --red-2: #b9323d;
  --cream: #fbf6ec;
  --paper: #fffdf8;
  --gold: #c8a24c;
  --muted: #657085;
  --line: rgba(25, 42, 69, 0.14);
  --shadow: 0 18px 50px rgba(25, 42, 69, 0.14);
  --radius: 22px;
  --radius-sm: 14px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Georgia, "Times New Roman", serif;
  color: var(--ink);
  background: var(--cream);
  line-height: 1.6;
}
body::before {
  content: "";
  position: fixed;
  inset: 0;
  pointer-events: none;
  background:
    radial-gradient(circle at top right, rgba(200, 162, 76, 0.18), transparent 32rem),
    radial-gradient(circle at top left, rgba(159, 29, 42, 0.09), transparent 28rem);
  z-index: -1;
}
a { color: var(--red); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--navy); }
img { max-width: 100%; height: auto; }
.container { width: min(1120px, calc(100% - 2rem)); margin-inline: auto; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(251, 246, 236, 0.94);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--line);
}
.nav { min-height: 82px; display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.brand { display: inline-flex; align-items: center; gap: .8rem; color: var(--navy); text-decoration: none; font-weight: 700; letter-spacing: .02em; }
.brand img { width: 72px; height: 46px; object-fit: contain; }
.brand span { display: grid; font-size: 1.06rem; line-height: 1.2; }
.brand small { color: var(--muted); font-size: .74rem; font-weight: 400; letter-spacing: normal; margin-top: .14rem; }
.nav-links { display: flex; align-items: center; gap: .55rem; flex-wrap: wrap; justify-content: flex-end; }
.nav-links a { color: var(--navy); text-decoration: none; font-size: .94rem; padding: .55rem .75rem; border-radius: 999px; }
.nav-links a:hover, .nav-links a[aria-current="page"] { background: #fff; color: var(--red); box-shadow: 0 5px 18px rgba(25,42,69,.08); }
.menu-toggle { display: none; border: 1px solid var(--line); background: #fff; color: var(--navy); border-radius: 999px; padding: .55rem .8rem; font: inherit; cursor: pointer; }

.hero { padding: 5rem 0 4rem; background: linear-gradient(135deg, rgba(255,255,255,.52), rgba(255,255,255,.12)); }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.18fr) minmax(300px, .82fr); align-items: center; gap: 2rem; }
.hero h1 { font-size: clamp(2.8rem, 6vw, 5.6rem); line-height: .94; letter-spacing: -.055em; margin: .6rem 0 1.2rem; color: var(--navy); }
.lead { font-size: clamp(1.08rem, 2vw, 1.35rem); color: #38455b; max-width: 68ch; }
.eyebrow { display: inline-flex; align-items: center; gap: .45rem; color: var(--red); font-size: .78rem; text-transform: uppercase; letter-spacing: .18em; font-weight: 700; }
.eyebrow::before { content: ""; width: 28px; height: 2px; background: var(--gold); display: inline-block; }
.btns { display: flex; gap: .8rem; flex-wrap: wrap; margin-top: 1.7rem; }
.btn { display: inline-flex; align-items: center; justify-content: center; border-radius: 999px; padding: .86rem 1.15rem; font-weight: 700; text-decoration: none; border: 1px solid transparent; transition: transform .18s ease, box-shadow .18s ease, background .18s ease; }
.btn:hover { transform: translateY(-1px); }
.btn.primary { background: var(--red); color: #fff; box-shadow: 0 12px 25px rgba(159,29,42,.24); }
.btn.primary:hover { background: var(--red-2); color: #fff; }
.btn.secondary { background: #fff; color: var(--navy); border-color: var(--line); }
.btn.secondary:hover { color: var(--red); box-shadow: 0 10px 24px rgba(25,42,69,.09); }
.hero-card, .card, .step, .notice, .doc-card { background: rgba(255,253,248,.92); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); }
.hero-card { padding: clamp(1.3rem, 3vw, 2rem); }
.crest { display: block; margin: 0 auto 1rem; width: min(240px, 80%); height: auto; object-fit: contain; }
.fact-list { padding: 0; margin: 1.1rem 0 0; list-style: none; display: grid; gap: .9rem; }
.fact-list li { display: grid; grid-template-columns: 28px 1fr; gap: .65rem; align-items: start; }
.tick { width: 28px; height: 28px; border-radius: 50%; display: inline-grid; place-items: center; background: rgba(159,29,42,.1); color: var(--red); font-weight: 700; }

.section { padding: 4.2rem 0; }
.section.alt { background: rgba(255,255,255,.38); border-block: 1px solid rgba(25,42,69,.07); }
.section-head { display: grid; grid-template-columns: minmax(0, .95fr) minmax(280px, .8fr); gap: 1.4rem; align-items: end; margin-bottom: 1.6rem; }
h1, h2, h3, h4 { line-height: 1.12; }
h2 { font-size: clamp(2rem, 3.5vw, 3.2rem); letter-spacing: -.035em; margin: .4rem 0 0; color: var(--navy); }
h3 { color: var(--navy); font-size: 1.35rem; margin: 0 0 .6rem; }
p { margin-top: 0; }
.grid { display: grid; gap: 1rem; }
.grid.two { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid.three { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.card, .doc-card { padding: clamp(1.1rem, 2vw, 1.45rem); }
.card.soft { background: rgba(255,255,255,.68); }
.card.highlight, .highlight { background: linear-gradient(135deg, var(--navy), var(--navy-2)); color: #fff; }
.card.highlight h3, .card.highlight h2, .highlight h3, .highlight h2 { color: #fff; }
.card.highlight .muted, .highlight .muted { color: rgba(255,255,255,.72); }
.icon { width: 46px; height: 46px; display: grid; place-items: center; border-radius: 14px; background: rgba(159,29,42,.1); color: var(--red); font-weight: 700; margin-bottom: .95rem; }
.list { margin: .7rem 0 0; padding-left: 1.2rem; }
.list li { margin: .28rem 0; }
.steps { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 1rem; counter-reset: step; }
.step { padding: 1.2rem; position: relative; overflow: hidden; }
.step::before { counter-increment: step; content: counter(step, decimal-leading-zero); position: absolute; right: 1rem; top: .4rem; font-size: 3.7rem; line-height: 1; color: rgba(159,29,42,.08); font-weight: 700; }
.callout, .notice { border-left: 5px solid var(--red); background: #fff; border-radius: var(--radius-sm); padding: 1rem 1.1rem; box-shadow: 0 10px 26px rgba(25,42,69,.08); }
.notice { border-left-color: var(--gold); }
.fee-banner { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem; }
.big-number { color: var(--red); font-size: clamp(2.6rem, 5vw, 4.2rem); line-height: .95; font-weight: 700; letter-spacing: -.05em; margin: .25rem 0 .65rem; }
.muted { color: var(--muted); }
.small { font-size: .9rem; }

.accordion { display: grid; gap: .75rem; }
details { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-sm); padding: .25rem 1rem; box-shadow: 0 8px 22px rgba(25,42,69,.06); }
summary { cursor: pointer; font-weight: 700; color: var(--navy); padding: .9rem 0; }
details p, details ul { margin-bottom: 1rem; }

.page-hero { padding: 3.2rem 0 2.4rem; background: linear-gradient(135deg, rgba(255,255,255,.55), rgba(255,255,255,.2)); border-bottom: 1px solid rgba(25,42,69,.08); }
.page-hero h1 { font-size: clamp(2.4rem, 5vw, 4.6rem); line-height: .98; letter-spacing: -.05em; margin: .45rem 0 .8rem; color: var(--navy); }
.breadcrumb { font-size: .92rem; color: var(--muted); margin-bottom: .8rem; }
.breadcrumb a { color: var(--navy); text-decoration: none; }
.legal-content { display: grid; gap: 1rem; }
.legal-content .card { box-shadow: 0 10px 28px rgba(25,42,69,.08); }
.doc-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1rem; }
.doc-card { display: grid; gap: .65rem; text-decoration: none; color: var(--ink); min-height: 130px; }
.doc-card:hover { transform: translateY(-1px); color: var(--ink); box-shadow: 0 16px 34px rgba(25,42,69,.12); }

.fee-table { width: 100%; border-collapse: collapse; overflow: hidden; background: #fff; border-radius: var(--radius-sm); box-shadow: 0 10px 25px rgba(25,42,69,.08); }
.fee-table th, .fee-table td { text-align: left; padding: .9rem 1rem; border-bottom: 1px solid var(--line); vertical-align: top; }
.fee-table th { background: var(--navy); color: #fff; }
.fee-table tr:last-child td { border-bottom: 0; }

.footer { background: var(--navy); color: #fff; padding: 3rem 0 1.5rem; }
.footer a { color: #fff; }
.footer h3, .footer h4 { color: #fff; }
.footer .muted { color: rgba(255,255,255,.68); }
.footer-grid { display: grid; grid-template-columns: 1.2fr .8fr .7fr; gap: 1.2rem; }
.top-link { position: fixed; right: 1rem; bottom: 1rem; width: 42px; height: 42px; border-radius: 999px; display: grid; place-items: center; background: var(--red); color: #fff; text-decoration: none; box-shadow: 0 8px 24px rgba(159,29,42,.28); }

@media (max-width: 860px) {
  .menu-toggle { display: inline-flex; }
  .nav { align-items: center; }
  .nav-links { display: none; position: absolute; left: 1rem; right: 1rem; top: 76px; background: #fff; padding: .7rem; border-radius: var(--radius-sm); box-shadow: var(--shadow); border: 1px solid var(--line); }
  .nav-links.open { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .hero-grid, .section-head, .grid.two, .grid.three, .steps, .fee-banner, .doc-grid, .footer-grid { grid-template-columns: 1fr; }
  .hero { padding-top: 3.2rem; }
  .brand img { width: 60px; }
  .brand span { font-size: .98rem; }
  .section { padding: 3rem 0; }
}

@media (max-width: 520px) {
  .container { width: min(100% - 1.1rem, 1120px); }
  .brand small { display: none; }
  .nav-links.open { grid-template-columns: 1fr; }
  .btn { width: 100%; }
  .page-hero, .hero { padding-inline: .1rem; }
}

/* =========================================================
   Responsive refinement patch
   Added to improve usability across iPhone, Android, iPad,
   desktop Chrome, Firefox, Safari and Edge.
   ========================================================= */

/* Safer sizing across browsers */
html {
  -webkit-text-size-adjust: 100%;
  text-size-adjust: 100%;
}

body {
  overflow-x: hidden;
}

img,
svg,
video {
  max-width: 100%;
  height: auto;
}

/* Long URLs and document names should not force horizontal scrolling */
p,
li,
.card,
.doc-card,
.notice,
.callout,
.legal-content {
  overflow-wrap: anywhere;
}

/* More reliable focus states for keyboard users */
a:focus-visible,
button:focus-visible,
summary:focus-visible {
  outline: 3px solid rgba(200, 162, 76, 0.85);
  outline-offset: 3px;
}

/* Better touch targets */
.btn,
.nav-links a,
.menu-toggle,
summary {
  min-height: 44px;
}

/* Keep the header neat on tablets and smaller laptops */
@media (max-width: 1040px) {
  .nav {
    align-items: flex-start;
    padding: .8rem 0;
  }

  .brand img {
    width: 62px;
    height: 54px;
  }

  .nav-links {
    gap: .35rem;
  }

  .nav-links a {
    padding: .5rem .62rem;
    font-size: .9rem;
  }

  .hero-grid {
    grid-template-columns: 1fr;
  }

  .hero-card {
    max-width: 720px;
    margin-inline: auto;
  }

  .steps {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .doc-grid,
  .grid.three {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

/* Mobile navigation and one-column layout */
@media (max-width: 760px) {
  .container {
    width: min(100% - 1.1rem, 1120px);
  }

  .site-header {
    position: sticky;
    top: 0;
  }

  .nav {
    min-height: auto;
    align-items: center;
    flex-wrap: wrap;
    gap: .65rem;
  }

  .brand {
    flex: 1 1 auto;
    min-width: 0;
    gap: .65rem;
  }

  .brand img {
    width: 54px;
    height: 50px;
  }

  .brand span {
    font-size: .98rem;
  }

  .brand small {
    font-size: .69rem;
  }

  .menu-toggle {
    display: inline-flex;
    align-items: center;
    justify-content: center;
  }

  .nav-links {
    display: none;
    flex-basis: 100%;
    width: 100%;
    background: rgba(255, 253, 248, 0.98);
    border: 1px solid var(--line);
    border-radius: var(--radius-sm);
    padding: .5rem;
    box-shadow: 0 12px 28px rgba(25, 42, 69, .10);
  }

  .nav-links.open,
  .nav-links.is-open,
  .nav-links[data-open="true"] {
    display: grid;
    grid-template-columns: 1fr;
  }

  .nav-links a {
    display: flex;
    align-items: center;
    justify-content: flex-start;
    width: 100%;
    padding: .72rem .85rem;
    border-radius: 12px;
  }

  .hero {
    padding: 3rem 0 2.4rem;
  }

  .hero h1,
  .page-hero h1 {
    font-size: clamp(2.25rem, 12vw, 3.45rem);
    letter-spacing: -.045em;
  }

  .lead {
    font-size: 1.05rem;
  }

  .hero-card {
    padding: 1rem;
  }

  .crest {
    width: min(330px, 94%);
  }

  .hero-card h2 {
    font-size: 1.45rem !important;
  }

  .section,
  .page-hero {
    padding: 2.7rem 0;
  }

  .section-head,
  .grid.two,
  .grid.three,
  .doc-grid,
  .fee-banner,
  .steps,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .section-head {
    gap: .6rem;
    margin-bottom: 1rem;
  }

  h2 {
    font-size: clamp(1.85rem, 9vw, 2.55rem);
  }

  h3 {
    font-size: 1.2rem;
  }

  .card,
  .doc-card,
  .step,
  .notice {
    border-radius: 18px;
  }

  .card,
  .doc-card {
    padding: 1rem;
  }

  .btns {
    gap: .55rem;
  }

  .btn {
    width: 100%;
    padding: .82rem 1rem;
  }

  .big-number {
    font-size: 3rem;
  }

  .fact-list li {
    grid-template-columns: 25px 1fr;
  }

  .tick {
    width: 25px;
    height: 25px;
  }

  .footer {
    text-align: left;
  }

  .footer-crest img {
    width: 96px !important;
  }

  .top-link {
    right: .8rem;
    bottom: .8rem;
  }
}

/* Small phones */
@media (max-width: 420px) {
  .container {
    width: min(100% - .9rem, 1120px);
  }

  .brand img {
    width: 48px;
    height: 46px;
  }

  .brand span {
    font-size: .9rem;
  }

  .brand small {
    display: none;
  }

  .hero h1,
  .page-hero h1 {
    font-size: 2.15rem;
  }

  .hero-card h2 {
    font-size: 1.2rem !important;
  }

  .crest {
    width: min(290px, 96%);
  }

  .section,
  .page-hero {
    padding: 2.2rem 0;
  }

  .card,
  .doc-card,
  .step,
  .notice,
  .callout {
    padding: .9rem;
  }

  .big-number {
    font-size: 2.55rem;
  }
}

/* Larger desktop screens */
@media (min-width: 1240px) {
  .hero {
    padding-top: 5.6rem;
    padding-bottom: 4.8rem;
  }

  .hero-card .crest {
    width: min(360px, 95%);
  }
}

/* Devices without hover should avoid hover-only effects feeling jumpy */
@media (hover: none) {
  .btn:hover,
  .doc-card:hover {
    transform: none;
  }
}

/* Respect reduced motion preferences */
@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    transition-duration: .01ms !important;
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
  }
}