:root {
  --ink: #0e1116; --teal: #2c5f5d; --muted: #4a5260; --faint: #7d8694; --rule: #dde1e8; --pale: #eef4f3;
  --gold: #b08d57; --red: #9b3b2e; --paper: #fbfaf7; --serif: Georgia, "Times New Roman", serif;
  --sans: -apple-system, BlinkMacSystemFont, "Helvetica Neue", Arial, sans-serif;
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--paper); color: var(--ink); font-family: var(--serif); font-size: 17px; line-height: 1.6; }
a { color: var(--teal); }
.wrap { max-width: 860px; margin: 0 auto; padding: 0 20px; }

.hdr { border-bottom: 1px solid var(--rule); background: #fff; }
.hdr-in { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 64px; flex-wrap: wrap; }
.brand { font-family: var(--serif); font-size: 24px; font-weight: 700; letter-spacing: -0.01em; color: var(--ink); text-decoration: none; }
.brand-t { color: var(--teal); } .brand-tld { color: var(--faint); font-weight: 400; }
.brand-sub { font-family: var(--sans); font-size: 11px; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--faint); margin-left: 8px; vertical-align: middle; }
.nav { display: flex; gap: 18px; align-items: center; font-family: var(--sans); font-size: 14px; flex-wrap: wrap; }
.nav a { color: var(--muted); text-decoration: none; padding: 6px 0; border-bottom: 2px solid transparent; }
.nav a.on { color: var(--ink); border-bottom-color: var(--teal); }
.nav a.btn-nav { background: var(--teal); color: #fff; padding: 8px 14px; border-radius: 4px; border: 0; }

.main { padding: 40px 20px 64px; }
.eyebrow { font-family: var(--sans); font-size: 11px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--teal); margin: 0 0 10px; }
h1 { font-family: var(--serif); font-size: 40px; line-height: 1.12; letter-spacing: -0.015em; margin: 0 0 18px; font-weight: 700; }
h2 { font-family: var(--serif); font-size: 24px; line-height: 1.25; margin: 40px 0 12px; font-weight: 700; }
h3 { font-family: var(--sans); font-size: 15px; margin: 0 0 8px; color: var(--teal); }
.lede { font-size: 20px; line-height: 1.55; color: #2a2f38; margin: 0 0 22px; }
.muted { color: var(--muted); } .small { font-size: 14px; } .opt { color: var(--faint); font-weight: 400; font-size: 12px; }
.tick { font-family: var(--sans); font-size: 12px; color: var(--faint); letter-spacing: 0.06em; margin-left: 6px; }
.hero { padding: 16px 0 28px; border-bottom: 1px solid var(--rule); }
.hero h1 { font-size: 46px; max-width: 760px; }
.hero-cta { margin: 26px 0 0; display: flex; gap: 14px; align-items: center; flex-wrap: wrap; }
.btn { display: inline-block; background: var(--teal); color: #fff; text-decoration: none; padding: 12px 20px; border-radius: 4px; font-family: var(--sans); font-size: 15px; border: 0; cursor: pointer; }
.btn:hover { background: #244f4d; }
.btn-ghost { display: inline-block; color: var(--teal); text-decoration: none; padding: 11px 16px; border: 1px solid var(--teal); border-radius: 4px; font-family: var(--sans); font-size: 15px; background: transparent; cursor: pointer; }

.search { margin: 26px 0 0; max-width: 560px; }
.search-label { display: block; font-family: var(--sans); font-size: 12px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--faint); margin: 0 0 6px; }
.search-row { display: flex; gap: 8px; }
.search input[type=search], .nav-search input[type=search] { flex: 1; min-width: 0; padding: 11px 12px; font: 16px var(--sans); color: var(--ink); background: #fff; border: 1px solid #c9cfd8; border-radius: 4px; }
.search.big { margin: 10px 0 26px; }
.search.big .search-row, .search.big { display: flex; gap: 8px; }
.nav-search input[type=search] { width: 190px; padding: 6px 10px; font-size: 13px; }
.lock { margin: 32px 0 20px; padding: 26px 28px; background: #fff; border: 1px solid var(--rule); border-left: 4px solid var(--teal); border-radius: 6px; }
.lock h2 { margin-top: 0; font-size: 20px; }
.pdf-frame { display: block; width: 100%; height: 80vh; min-height: 520px; border: 1px solid var(--rule); border-radius: 6px; background: #fff; margin: 4px 0 24px; }
.pillars { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; padding: 36px 0; border-bottom: 1px solid var(--rule); }
.pillars.four { grid-template-columns: repeat(2, 1fr); gap: 26px 40px; }
.pillar p { margin: 0; font-size: 15.5px; color: var(--muted); }
.what { padding: 8px 0 12px; }
.what h2 { margin-top: 28px; }
ul.plain { list-style: none; padding: 0; margin: 0; }
ul.plain li { padding: 8px 0; border-bottom: 1px solid var(--rule); }
.apply { margin-top: 24px; padding: 32px; background: #fff; border: 1px solid var(--rule); border-radius: 6px; }
.apply h2 { margin-top: 0; }
.form label { display: block; font-family: var(--sans); font-size: 13px; font-weight: 600; color: var(--muted); margin: 14px 0 0; }
.form input[type=text], .form input[type=email], .form select, .form textarea { display: block; width: 100%; margin-top: 6px; padding: 10px 12px; font: 16px var(--sans); color: var(--ink); background: #fff; border: 1px solid #c9cfd8; border-radius: 4px; }
.form textarea { resize: vertical; }
.form .row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form .check { display: flex; gap: 10px; align-items: flex-start; font-weight: 400; font-size: 14px; line-height: 1.5; margin-top: 18px; }
.form .check input { margin-top: 4px; }
.form p { margin: 20px 0 0; }
.form.inline { display: inline-block; margin-top: 8px; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.errors { background: #fbeeeb; border-left: 3px solid var(--red); padding: 10px 14px; border-radius: 4px; font-family: var(--sans); font-size: 14px; }
.errors ul { margin: 0; padding-left: 18px; }

.prose { max-width: 720px; }
.prose.narrow { max-width: 560px; }
.prose ul, .prose ol { padding-left: 22px; }
.prose li { margin: 6px 0; }
.legal p, .legal li { font-size: 16px; }
.call { font-family: var(--sans); font-size: 15px; color: var(--muted); }

table.notes { width: 100%; border-collapse: collapse; font-family: var(--sans); font-size: 14px; margin: 8px 0 12px; background: #fff; border: 1px solid var(--rule); }
table.notes th { text-align: left; font-size: 11px; letter-spacing: 0.08em; text-transform: uppercase; color: var(--faint); padding: 10px 12px; border-bottom: 1px solid var(--rule); background: var(--pale); }
table.notes td { padding: 12px; border-bottom: 1px solid var(--rule); vertical-align: top; }
table.notes .num, table.notes th.num { text-align: right; white-space: nowrap; font-variant-numeric: tabular-nums; }
table.notes .nowrap { white-space: nowrap; }
table.notes.compact td, table.notes.compact th { padding: 8px 12px; }
table.notes td a { text-decoration: none; color: var(--ink); }
table.notes td a:hover { color: var(--teal); }
.sum { color: var(--muted); font-size: 13px; margin-top: 4px; max-width: 460px; font-family: var(--serif); }
.side { display: inline-block; font-family: var(--sans); font-size: 11px; font-weight: 700; letter-spacing: 0.08em; padding: 3px 8px; border-radius: 3px; background: var(--pale); color: var(--teal); }
.side.short { background: #f6ebe8; color: var(--red); }

.ftr { border-top: 1px solid var(--rule); background: #fff; padding: 22px 0 30px; font-family: var(--sans); font-size: 13px; color: var(--faint); }
.ftr-row { display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; }
.ftr a { color: var(--muted); text-decoration: none; }
.ftr-legal { margin: 10px 0 0; font-size: 12px; line-height: 1.5; max-width: 760px; }

@media (max-width: 720px) {
  body { font-size: 16px; }
  h1, .hero h1 { font-size: 32px; }
  .lede { font-size: 18px; }
  .pillars, .pillars.four { grid-template-columns: 1fr; gap: 18px; }
  .form .row2 { grid-template-columns: 1fr; gap: 0; }
  .apply { padding: 20px; }
  .main { padding: 28px 20px 48px; }
  table.notes .sum { display: none; }
  .nav-search { display: none; }
  .pdf-frame { height: 70vh; min-height: 420px; }
}