:root {
  --ink: #101419;
  --muted: #5f6874;
  --line: #d6dce4;
  --paper: #f8fafc;
  --surface: #ffffff;
  --dark: #111a24;
  --teal: #176b73;
  --teal-dark: #0f4d54;
  --amber: #c8892d;
  --mist: #e9f0f3;
  --shadow: 0 24px 70px rgba(16, 20, 25, 0.14);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.6;
}

a {
  color: inherit;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

.site-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  max-width: 1280px;
  margin: 0 auto;
  padding: 22px 28px;
}

.brand,
.footer-brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--ink);
  font-weight: 800;
  text-decoration: none;
}

.brand-mark {
  display: grid;
  width: 40px;
  height: 40px;
  place-items: center;
  border-radius: 4px;
  color: var(--surface);
  background: var(--dark);
  font-size: 13px;
  letter-spacing: 0;
}

.main-nav,
.site-footer nav {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  color: var(--muted);
  font-size: 14px;
}

.main-nav a,
.site-footer nav a {
  text-decoration: none;
}

.main-nav a:hover,
.site-footer nav a:hover {
  color: var(--teal-dark);
}

.hero {
  display: grid;
  grid-template-columns: 120px minmax(0, 1fr);
  gap: 34px;
  max-width: 1280px;
  min-height: 58vh;
  margin: 0 auto;
  padding: 62px 28px 48px;
  border-top: 1px solid var(--line);
}

.hero-rail {
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  gap: 14px;
  min-height: 320px;
  color: var(--muted);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0;
  text-transform: uppercase;
}

.hero-rail span {
  padding-top: 14px;
  border-top: 2px solid var(--amber);
}

.hero-content {
  max-width: 980px;
  min-width: 0;
}

h1 {
  max-width: 1060px;
  margin-bottom: 24px;
  font-size: clamp(44px, 7vw, 82px);
  line-height: 0.94;
  letter-spacing: 0;
  overflow-wrap: anywhere;
}

h2 {
  margin-bottom: 18px;
  font-size: clamp(34px, 5vw, 64px);
  line-height: 0.98;
  letter-spacing: 0;
}

h3 {
  margin-bottom: 8px;
  font-size: 22px;
  line-height: 1.2;
}

.hero p {
  max-width: 720px;
  color: var(--muted);
  font-size: 21px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 34px;
}

.button {
  display: inline-flex;
  min-height: 48px;
  align-items: center;
  justify-content: center;
  border-radius: 4px;
  padding: 12px 18px;
  font-weight: 800;
  text-decoration: none;
  transition: transform 160ms ease, background 160ms ease, border-color 160ms ease;
}

.button:hover {
  transform: translateY(-1px);
}

.button.primary {
  color: var(--surface);
  background: var(--teal);
}

.button.primary:hover {
  background: var(--teal-dark);
}

.button.secondary {
  border: 1px solid var(--line);
  color: var(--ink);
  background: var(--surface);
}

.button.light {
  color: var(--dark);
  background: var(--surface);
}

.image-panel {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 28px 86px;
}

.image-panel img {
  display: block;
  width: 100%;
  aspect-ratio: 21 / 9;
  object-fit: cover;
  box-shadow: var(--shadow);
}

.section {
  max-width: 1280px;
  margin: 0 auto;
  padding: 96px 28px;
}

.editorial-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.88fr) minmax(360px, 0.72fr);
  gap: 72px;
  border-top: 1px solid var(--line);
}

.editorial-copy {
  padding-top: 8px;
}

.section p,
.legal-content p,
.legal-content li {
  color: var(--muted);
  font-size: 17px;
}

.review-lanes {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 28px 92px;
}

.review-lanes div {
  min-height: 190px;
  padding: 28px;
  border-top: 1px solid var(--line);
  border-right: 1px solid var(--line);
  background: var(--surface);
}

.review-lanes div:first-child {
  border-left: 1px solid var(--line);
}

.review-lanes span {
  display: block;
  margin-bottom: 42px;
  color: var(--teal);
  font-size: 13px;
  font-weight: 800;
  text-transform: uppercase;
}

.review-lanes p {
  margin-bottom: 0;
  color: var(--ink);
  font-size: 20px;
  line-height: 1.35;
}

.process-section {
  max-width: none;
  background: var(--dark);
  color: var(--surface);
}

.process-section > * {
  max-width: 1224px;
  margin-left: auto;
  margin-right: auto;
}

.section-heading {
  max-width: 760px;
  margin-bottom: 44px;
}

.process-section .section-heading p,
.process-list p {
  color: rgba(255, 255, 255, 0.72);
}

.process-list {
  border-top: 1px solid rgba(255, 255, 255, 0.18);
}

.process-list article {
  display: grid;
  grid-template-columns: 92px minmax(0, 1fr);
  gap: 26px;
  padding: 30px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.18);
}

.process-list span {
  color: var(--amber);
  font-size: 15px;
  font-weight: 800;
}

.process-list h3 {
  color: var(--surface);
}

.detail-band {
  display: grid;
  grid-template-columns: minmax(0, 0.8fr) minmax(320px, 1fr);
  gap: 58px;
  align-items: start;
}

.detail-list {
  border-top: 1px solid var(--line);
}

.detail-list p {
  margin: 0;
  padding: 20px 0;
  border-bottom: 1px solid var(--line);
  color: var(--ink);
  font-size: 22px;
}

.disclosure-band {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  align-items: center;
  gap: 28px;
  margin: 0;
  padding: 66px max(28px, calc((100vw - 1224px) / 2));
  color: var(--surface);
  background: var(--teal-dark);
}

.disclosure-copy {
  max-width: 820px;
}

.disclosure-band h2 {
  font-size: clamp(30px, 4vw, 48px);
}

.disclosure-band p {
  margin-bottom: 14px;
  color: rgba(255, 255, 255, 0.82);
}

.disclosure-band p:last-child {
  margin-bottom: 0;
}

.site-footer {
  display: flex;
  justify-content: space-between;
  gap: 32px;
  max-width: 1280px;
  margin: 0 auto;
  padding: 42px 28px;
  border-top: 1px solid var(--line);
}

.site-footer p {
  max-width: 520px;
  margin: 12px 0 0;
  color: var(--muted);
  font-size: 14px;
}

.legal-hero {
  padding: 82px 28px 52px;
  border-top: 1px solid var(--line);
  background: var(--mist);
}

.legal-hero > div,
.legal-content {
  max-width: 880px;
  margin: 0 auto;
}

.legal-hero p {
  margin-bottom: 0;
  color: var(--muted);
  font-size: 18px;
}

.legal-content {
  padding: 60px 28px 94px;
}

.legal-content h2 {
  margin-top: 34px;
  font-size: 28px;
  line-height: 1.1;
}

.legal-content ul {
  padding-left: 22px;
}

.contact-card {
  border-left: 5px solid var(--teal);
  padding: 28px;
  background: var(--surface);
  box-shadow: 0 14px 38px rgba(16, 20, 25, 0.08);
}

@media (max-width: 980px) {
  .site-header,
  .site-footer {
    align-items: flex-start;
    flex-direction: column;
  }

  .hero,
  .editorial-grid,
  .detail-band,
  .disclosure-band {
    grid-template-columns: 1fr;
  }

  .hero {
    gap: 24px;
    min-height: auto;
    padding-top: 34px;
  }

  .hero-rail {
    flex-direction: row;
    min-height: auto;
  }

  .hero-rail span {
    flex: 1;
  }

  .image-panel img {
    aspect-ratio: 4 / 3;
  }

  .review-lanes {
    grid-template-columns: 1fr;
  }

  .review-lanes div,
  .review-lanes div:first-child {
    border-left: 1px solid var(--line);
  }
}

@media (max-width: 560px) {
  .site-header,
  .hero,
  .section,
  .legal-hero,
  .legal-content,
  .site-footer,
  .image-panel,
  .review-lanes {
    padding-left: 18px;
    padding-right: 18px;
  }

  h1 {
    font-size: 46px;
  }

  h2 {
    font-size: 34px;
  }

  .main-nav {
    gap: 12px 16px;
  }

  .hero-actions,
  .button {
    width: 100%;
  }

  .hero-rail {
    display: none;
  }

  .section,
  .image-panel,
  .review-lanes {
    padding-top: 68px;
    padding-bottom: 68px;
  }

  .process-list article {
    grid-template-columns: 1fr;
    gap: 10px;
  }
}