:root {
  --ink: #122033;
  --muted: #596273;
  --line: #dfe6ef;
  --bg: #f6f8fb;
  --card: #ffffff;
  --accent: #173d68;
  --accent-2: #0f2b49;
  --soft: #eaf1f8;
}

* { box-sizing: border-box; }
body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
}
a { color: var(--accent); }
.wrap { width: min(1120px, calc(100% - 32px)); margin: 0 auto; }
.site-header {
  background: rgba(255,255,255,.94);
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 10;
}
.nav { display: flex; justify-content: space-between; align-items: center; min-height: 72px; gap: 18px; }
.brand { font-weight: 800; text-decoration: none; color: var(--ink); font-size: 1.1rem; }
.nav-links { display: flex; gap: 18px; flex-wrap: wrap; }
.nav-links a, .footer-links a { text-decoration: none; font-weight: 600; color: var(--muted); }
.hero { display: grid; grid-template-columns: 1.4fr .6fr; gap: 32px; padding: 76px 0; align-items: center; }
.eyebrow { color: var(--accent); font-weight: 800; text-transform: uppercase; letter-spacing: .08em; font-size: .78rem; }
h1 { font-size: clamp(2.2rem, 5vw, 4.5rem); line-height: 1.03; margin: 12px 0 18px; }
h2 { line-height: 1.2; margin-top: 0; }
.lead { font-size: 1.18rem; color: var(--muted); max-width: 740px; }
.cta-row { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 28px; }
.button {
  display: inline-block;
  border: 0;
  background: var(--accent);
  color: #fff;
  padding: 13px 18px;
  border-radius: 10px;
  font-weight: 800;
  text-decoration: none;
  cursor: pointer;
}
.button:hover { background: var(--accent-2); }
.button.secondary { background: var(--soft); color: var(--accent); }
.card, .form-panel {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: 20px;
  padding: 26px;
  box-shadow: 0 12px 30px rgba(20, 40, 70, .06);
}
.hero-card { align-self: stretch; display: flex; flex-direction: column; justify-content: center; }
.section { padding: 56px 0; }
.muted { background: #eef3f8; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.form-panel { display: grid; grid-template-columns: .8fr 1.2fr; gap: 30px; }
.form { display: grid; gap: 16px; }
label { display: grid; gap: 7px; font-weight: 700; }
input[type="text"], input[type="email"], input[type="tel"] {
  width: 100%;
  padding: 13px 14px;
  border-radius: 10px;
  border: 1px solid #cdd7e4;
  font: inherit;
}
.checkbox { grid-template-columns: 20px 1fr; align-items: start; font-weight: 500; }
.checkbox input { margin-top: 5px; }
.sms-disclosure { font-size: .93rem; color: var(--muted); background: var(--soft); padding: 14px; border-radius: 12px; }
.site-footer { background: #0f1d2e; color: #dce6f2; padding: 28px 0; }
.footer-grid { display: flex; justify-content: space-between; align-items: center; gap: 18px; flex-wrap: wrap; }
.footer-links { display: flex; gap: 18px; flex-wrap: wrap; }
.footer-links a { color: #dce6f2; }
.legal { max-width: 820px; background: var(--card); margin-top: 48px; margin-bottom: 48px; padding: 38px; border-radius: 20px; border: 1px solid var(--line); }
.legal h1 { font-size: clamp(2rem, 4vw, 3.2rem); }
.updated { color: var(--muted); }
.wide-card { max-width: 760px; }

@media (max-width: 820px) {
  .hero, .form-panel, .grid-3 { grid-template-columns: 1fr; }
  .hero { padding: 44px 0; }
  .nav { align-items: flex-start; flex-direction: column; padding: 18px 0; }
}