@import url("tokens.css");
:root{ --maxw:1120px; }
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--font-sans);background:var(--sand);color:var(--ink);line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
img,svg{max-width:100%;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
h1,h2,h3{color:var(--navy);line-height:1.15;letter-spacing:-.01em;font-weight:800}
h2{font-size:clamp(1.6rem,3.4vw,2.4rem)}
h3{font-size:1.15rem;font-weight:700}
p{color:var(--ink)}
.muted{color:var(--gray)}
.eyebrow{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--teal);background:var(--teal-light);padding:6px 12px;border-radius:999px}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:.5rem;font-weight:700;font-size:.95rem;padding:13px 22px;border-radius:var(--radius-sm);border:1.5px solid transparent;cursor:pointer;transition:transform .15s ease,background .15s ease,box-shadow .15s ease;white-space:nowrap}
.btn-primary{background:var(--blue);color:#fff}
.btn-primary:hover{background:var(--blue-600);transform:translateY(-1px);box-shadow:0 8px 20px -8px rgba(46,91,230,.5)}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--teal);color:var(--teal)}
.btn-light{background:#fff;color:var(--navy)}
.btn-light:hover{transform:translateY(-1px);box-shadow:0 8px 20px -10px rgba(0,0,0,.4)}
.btn-outline-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.35)}
.btn-outline-light:hover{border-color:#fff}

/* Header */
header.site{position:sticky;top:0;z-index:50;background:rgba(247,244,238,.85);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:66px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;color:var(--navy);font-size:1.15rem;letter-spacing:-.02em}
.logo{width:34px;height:34px;border-radius:9px;background:var(--blue);color:#fff;display:grid;place-items:center;font-weight:800;font-size:1.15rem;box-shadow:0 2px 8px -2px rgba(46,91,230,.5)}
.nav-links{display:flex;gap:28px;align-items:center}
.nav-links a{font-size:.92rem;font-weight:600;color:var(--ink)}
.nav-links a:hover{color:var(--teal)}
.nav-links a.active{color:var(--teal)}
.nav-cta{display:flex;align-items:center;gap:14px}

/* Hero (home) */
.hero{padding:72px 0 40px}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero h1{font-size:clamp(2.1rem,4.8vw,3.4rem);margin:18px 0}
.hero .sub{font-size:1.15rem;color:var(--gray);max-width:34ch}
.hero .cta-row{display:flex;gap:14px;margin-top:30px;flex-wrap:wrap}
.hero .fine{margin-top:18px;font-size:.85rem;color:var(--gray)}

/* Hero visual card */
.viz{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:0 30px 60px -30px rgba(15,42,61,.28)}
.viz-head{display:flex;align-items:center;justify-content:space-between;padding-bottom:14px;border-bottom:1px solid var(--line)}
.viz-tag{font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--teal)}
.shield{display:inline-flex;align-items:center;gap:6px;font-size:.74rem;font-weight:700;color:var(--green);background:var(--green-light);padding:4px 9px;border-radius:999px}
.qrow{display:flex;gap:8px;flex-wrap:wrap;margin:16px 0 6px}
.chip{font-size:.78rem;font-weight:600;color:var(--teal);background:var(--teal-light);padding:5px 11px;border-radius:999px}
.qmeta{font-size:.8rem;color:var(--gray);margin-bottom:16px}
.resp{display:flex;align-items:center;justify-content:space-between;padding:11px 13px;border:1px solid var(--line);border-radius:10px;margin-top:9px;background:#fff}
.resp .who{font-size:.86rem;font-weight:600;color:var(--navy)}
.resp .who small{display:block;font-weight:500;color:var(--gray);font-size:.74rem}
.pill{font-size:.74rem;font-weight:700;padding:4px 11px;border-radius:999px}
.pill.accept{color:var(--green);background:var(--green-light)}
.pill.maybe{color:var(--coral);background:var(--coral-light)}
.pill.decline{color:var(--gray);background:#eef1f0}

/* Page hero (sub-pages) */
.page-hero{padding:64px 0 8px}
.page-hero .eyebrow{margin-bottom:16px}
.page-hero h1{font-size:clamp(1.9rem,4vw,2.9rem);max-width:20ch}
.page-hero .sub{font-size:1.15rem;color:var(--gray);max-width:60ch;margin-top:16px}
.page-hero .cta-row{display:flex;gap:14px;margin-top:26px;flex-wrap:wrap}

/* Category strip */
.strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:rgba(255,255,255,.5)}
.strip .wrap{display:flex;align-items:center;gap:18px;flex-wrap:wrap;padding-top:18px;padding-bottom:18px}
.strip .label{font-size:.8rem;font-weight:700;color:var(--gray);text-transform:uppercase;letter-spacing:.08em}
.strip .cats{display:flex;gap:10px;flex-wrap:wrap}
.cat{font-size:.85rem;font-weight:600;color:var(--navy);background:#fff;border:1px solid var(--line);padding:6px 13px;border-radius:999px}

/* Sections */
section{padding:74px 0}
section.tight{padding:52px 0}
.section-lead{max-width:62ch}
.section-lead h2{margin-bottom:16px}
.section-lead p{font-size:1.08rem;color:var(--gray)}

/* Bands */
.band-dark{background:var(--navy);color:#e8eefb}
.band-dark h2{color:#fff}
.band-dark p{color:#b7c4e2;font-size:1.08rem}
.band-soft{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:44px}
.step{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px;transition:transform .15s ease,box-shadow .15s ease}
.step:hover{transform:translateY(-3px);box-shadow:0 18px 40px -24px rgba(15,42,61,.4)}
.step .n{width:34px;height:34px;border-radius:9px;background:var(--teal-light);color:var(--teal);font-weight:800;display:grid;place-items:center;margin-bottom:16px}
.step h3{margin-bottom:8px}
.step p{color:var(--gray);font-size:.95rem}

/* Numbered flow (vertical, for How it works) */
.flow{margin-top:40px;display:grid;gap:18px}
.flow-item{background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px 26px;display:grid;grid-template-columns:44px 1fr;gap:20px;align-items:start}
.flow-item .n{width:44px;height:44px;border-radius:11px;background:var(--teal);color:#fff;font-weight:800;display:grid;place-items:center;font-size:1.1rem}
.flow-item h3{margin-bottom:6px}
.flow-item p{color:var(--gray);font-size:.97rem}

/* Cards / audience */
.aud{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:44px}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:32px;transition:transform .15s ease,box-shadow .15s ease}
.card:hover{transform:translateY(-3px);box-shadow:0 22px 48px -28px rgba(15,42,61,.42)}
.card .kicker{font-size:.74rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--coral)}
.card h3{font-size:1.35rem;margin:8px 0 14px}
.card ul{list-style:none;margin-top:12px}
.card li{position:relative;padding-left:26px;margin-bottom:10px;color:var(--ink);font-size:.96rem}
.card li::before{content:"";position:absolute;left:0;top:9px;width:13px;height:13px;border-radius:50%;background:var(--teal-light);border:2px solid var(--teal)}
.card .link{margin-top:18px;display:inline-block;font-weight:700;color:var(--teal);font-size:.92rem}
.card .link:hover{color:var(--navy)}

/* Benefit grid (2-col checklist) */
.benefits{display:grid;grid-template-columns:1fr 1fr;gap:14px 40px;margin-top:36px;list-style:none}
.benefits li{position:relative;padding-left:30px;font-size:1rem}
.benefits li b{color:var(--navy)}
.benefits li span{color:var(--gray)}
.benefits li::before{content:"";position:absolute;left:0;top:7px;width:16px;height:16px;border-radius:50%;background:var(--teal-light);border:2px solid var(--teal)}

/* Providers slim */
.providers{margin-top:22px;background:var(--blue-light);border:1px solid #cdd9f7;border-radius:16px;padding:26px 32px;display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.providers h3{color:var(--navy)}
.providers p{color:var(--text-muted);font-size:.95rem;max-width:52ch;margin-top:4px}

/* Security list */
.sec-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:start}
.sec-list{list-style:none}
.sec-list li{position:relative;padding-left:34px;margin-bottom:16px}
.sec-list li b{color:var(--navy)}
.sec-list li span{color:var(--gray);font-size:.96rem}
.sec-ic{position:absolute;left:0;top:2px;width:24px;height:24px;color:var(--teal)}

/* Prose */
.prose{max-width:66ch}
.prose p{font-size:1.06rem;color:var(--ink);margin-bottom:18px}
.prose p.lead{font-size:1.18rem;color:var(--gray)}
.prose h3{margin:28px 0 10px}
.note{background:var(--coral-light);border:1px solid #f2cfc6;border-radius:12px;padding:16px 18px;color:#7c3a2c;font-size:.9rem;margin-top:20px}

/* CTA band */
.cta-band{background:linear-gradient(135deg,var(--blue),var(--navy));color:#fff;text-align:center}
.cta-band h2{color:#fff}
.cta-band p{color:#cdd9f4;margin:12px 0 26px;font-size:1.08rem}
.cta-band .cta-row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* Footer */
footer.site{background:var(--navy);color:#9fb0d0;padding:56px 0 34px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}
footer .brand{color:#fff}
footer .logo{box-shadow:none}
.foot-about{color:#97a7c7;font-size:.9rem;margin-top:14px;max-width:34ch}
footer h4{color:#fff;font-size:.82rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:14px}
footer ul{list-style:none}
footer li{margin-bottom:9px}
footer li a{color:#9fb0d0;font-size:.9rem}
footer li a:hover{color:#fff}
.foot-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:40px;padding-top:22px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:.82rem;color:#8694b6}

/* Responsive */
@media (max-width:900px){
  .hero-grid{grid-template-columns:1fr;gap:38px}
  .hero .sub{max-width:none}
  .sec-grid{grid-template-columns:1fr;gap:28px}
  .steps{grid-template-columns:1fr}
  .aud{grid-template-columns:1fr}
  .benefits{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:720px){
  .nav-links{display:none}
  section{padding:56px 0}
  .hero{padding:48px 0 24px}
  .page-hero{padding:44px 0 4px}
}
@media (max-width:480px){
  .foot-grid{grid-template-columns:1fr}
  .providers{flex-direction:column;align-items:flex-start}
  .flow-item{grid-template-columns:1fr}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto}}