:root {
  --primary: #d94a64;
  --primary-deep: #b83250;
  --raspberry: #a5165a;
  --gold: #f2b544;
  --warm: #fff5ee;
  --tint: #fff0f3;
  --canvas: #f7f9fc;
  --card: #fff;
  --ink: #102033;
  --muted: #617080;
  --line: #dce3ea;
  --success: #138a5b;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  min-width: 320px;
  margin: 0;
  background:
    radial-gradient(circle at 8% 18%, rgba(242,181,68,.13), transparent 23rem),
    radial-gradient(circle at 94% 6%, rgba(217,74,100,.12), transparent 30rem),
    var(--canvas);
  color: var(--ink);
  font: 16px/1.68 Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
}
a { color: var(--primary-deep); font-weight: 750; text-underline-offset: 3px; }
a:hover { color: var(--raspberry); }
a:focus-visible, button:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; }
.skip-link { position: fixed; z-index: 100; top: 10px; left: 10px; padding: 10px 14px; border-radius: 8px; background: #fff; transform: translateY(-160%); }
.skip-link:focus { transform: translateY(0); }
.site-header { position: relative; z-index: 10; border-bottom: 1px solid rgba(220,227,234,.9); background: rgba(255,255,255,.94); backdrop-filter: blur(16px); }
.header-inner, .hero-inner, .page-shell, .footer-inner { width: min(1180px, calc(100% - 40px)); margin: 0 auto; }
.header-inner { display: flex; min-height: 82px; align-items: center; justify-content: space-between; gap: 28px; }
.brand { display: inline-grid; grid-template-columns: 50px minmax(0,1fr); align-items: center; gap: 12px; color: var(--ink); text-decoration: none; }
.brand img { display: block; width: 50px; height: 50px; filter: drop-shadow(0 8px 13px rgba(165,22,90,.18)); }
.brand-copy { display: grid; line-height: 1.15; }
.brand-copy strong { font-size: 17px; letter-spacing: -.02em; }
.brand-copy span { margin-top: 4px; color: var(--muted); font-size: 12px; font-weight: 650; }
.site-nav { display: flex; align-items: center; gap: 6px; }
.site-nav a { padding: 9px 13px; border-radius: 999px; color: var(--muted); font-size: 14px; text-decoration: none; }
.site-nav a:hover, .site-nav a[aria-current="page"] { background: var(--tint); color: var(--primary-deep); }
.site-nav .sign-in-link { border: 1px solid var(--primary); color: var(--primary-deep); font-weight: 800; }
.hero { position: relative; overflow: hidden; padding: 70px 0 124px; background: radial-gradient(circle at 82% 30%, rgba(242,181,68,.34), transparent 20rem), linear-gradient(135deg, #57102f, var(--primary-deep) 58%, var(--primary)); color: #fff; }
.hero::after { position: absolute; right: -90px; bottom: -220px; width: 430px; height: 430px; border: 1px solid rgba(255,255,255,.16); border-radius: 50%; box-shadow: 0 0 0 68px rgba(255,255,255,.035), 0 0 0 136px rgba(255,255,255,.025); content: ""; }
.hero-inner { position: relative; z-index: 1; }
.eyebrow { margin: 0 0 12px; color: #ffd77b; font-size: 12px; font-weight: 850; letter-spacing: .13em; text-transform: uppercase; }
.hero h1 { max-width: 940px; margin: 0; font-size: clamp(40px,6vw,66px); line-height: 1.04; letter-spacing: -.045em; }
.hero-summary { max-width: 820px; margin: 22px 0 0; color: rgba(255,255,255,.84); font-size: clamp(17px,2vw,20px); }

.public-faq-list { display: grid; gap: 10px; margin-top: 20px; }
.public-faq-list details { border: 1px solid var(--line); border-radius: 12px; background: #fff; padding: 0 18px; }
.public-faq-list summary { cursor: pointer; font-weight: 800; padding: 17px 0; }
.public-faq-list details p { margin: 0; padding: 0 0 18px; }
.updated-chip { display: inline-flex; align-items: center; gap: 8px; margin-top: 26px; padding: 8px 12px; border: 1px solid rgba(255,255,255,.2); border-radius: 999px; background: rgba(255,255,255,.09); color: rgba(255,255,255,.9); font-size: 13px; font-weight: 700; }
.updated-chip::before { width: 7px; height: 7px; border-radius: 50%; background: var(--gold); content: ""; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.button { display: inline-flex; min-height: 46px; align-items: center; justify-content: center; padding: 11px 18px; border: 1px solid var(--gold); border-radius: 10px; background: var(--gold); color: #471027; font-size: 14px; font-weight: 850; text-decoration: none; }
.button:hover { background: #ffd77b; color: #471027; }
.button.secondary { border-color: rgba(255,255,255,.42); background: rgba(255,255,255,.09); color: #fff; }
.button.secondary:hover { background: rgba(255,255,255,.16); color: #fff; }
.page-shell { position: relative; z-index: 2; margin-top: -70px; padding-bottom: 72px; }
.feature-grid { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 18px; }
.card, .document, .side-card, .cta { border: 1px solid rgba(220,227,234,.98); border-radius: 17px; background: rgba(255,255,255,.99); box-shadow: 0 22px 60px rgba(16,32,51,.09); }
.card { min-height: 250px; padding: 29px; }
.number { display: inline-grid; width: 42px; height: 42px; margin-bottom: 24px; place-items: center; border-radius: 12px; background: var(--tint); color: var(--primary-deep); font-size: 13px; font-weight: 850; }
.card-label { margin: 0 0 8px; color: var(--primary-deep); font-size: 12px; font-weight: 850; letter-spacing: .12em; text-transform: uppercase; }
.card h2, .cta h2 { margin: 0; font-size: 24px; line-height: 1.2; letter-spacing: -.03em; }
.card p, .cta p { margin: 12px 0 0; color: #43566a; }
.wide-section { margin-top: 24px; padding: 40px; }
.wide-section h2 { margin: 0; font-size: clamp(25px,3vw,34px); letter-spacing: -.035em; }
.linked-plans { min-height: 0; margin-top: 24px; overflow: hidden; padding: 0; }
.linked-plans > header { padding: 34px 40px 12px; }
.linked-plans > header h2 { margin: 0; font-size: clamp(25px,3vw,34px); letter-spacing: -.035em; }
.linked-plans > header > p:last-child { max-width: 780px; margin: 10px 0 0; color: #43566a; }
.linked-plans iframe { display: block; width: 100%; min-height: 720px; border: 0; background: transparent; }
.benefit-grid { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 14px; margin-top: 25px; }
.benefit-grid article { padding: 20px; border: 1px solid var(--line); border-radius: 12px; background: linear-gradient(145deg,#fff,var(--warm)); }
.benefit-grid h3 { margin: 0; color: var(--primary-deep); font-size: 17px; }
.benefit-grid p { margin: 7px 0 0; color: #4a5e72; font-size: 14px; }
.cta { display: flex; align-items: center; justify-content: space-between; gap: 30px; margin-top: 24px; padding: 32px 36px; border-color: rgba(242,181,68,.48); background: linear-gradient(125deg,#fff,var(--warm)); }
.cta .button { background: linear-gradient(135deg,var(--primary),var(--primary-deep)); color: #fff; border: 0; }
.legal-grid { display: grid; grid-template-columns: minmax(210px,260px) minmax(0,1fr); align-items: start; gap: 28px; }
.sidebar { position: sticky; top: 24px; display: grid; gap: 16px; }
.side-card { padding: 22px; }
.side-card h2 { margin: 0 0 12px; font-size: 14px; letter-spacing: .08em; text-transform: uppercase; }
.side-card nav { display: grid; gap: 3px; }
.side-card nav a { padding: 7px 9px; border-radius: 7px; color: var(--muted); font-size: 13px; line-height: 1.35; text-decoration: none; }
.side-card nav a:hover { background: var(--tint); color: var(--primary-deep); }
.side-card.support { border-color: #eed9a6; background: linear-gradient(145deg,#fff,var(--warm)); }
.side-card.support > a { display: block; margin-top: 9px; font-size: 13px; font-weight: 800; }
.side-card p { margin: 0 0 10px; color: #5a6472; font-size: 13px; }
.document { overflow: hidden; padding: 14px 38px 42px; }
.section { scroll-margin-top: 28px; padding: 29px 0; border-bottom: 1px solid var(--line); }
.section:last-child { border-bottom: 0; }
.section h2 { display: flex; align-items: center; gap: 12px; margin: 0 0 10px; font-size: clamp(20px,2.3vw,25px); line-height: 1.25; letter-spacing: -.025em; }
.section h2::before { width: 8px; height: 26px; flex: 0 0 auto; border-radius: 999px; background: linear-gradient(var(--gold),var(--primary)); content: ""; }
.section p { margin: 0; color: #42566b; }
.section p + p { margin-top: 14px; }
.section ul, .section ol { margin: 14px 0 0; padding-left: 22px; color: #42566b; }
.section li + li { margin-top: 8px; }
.steps { display: grid; gap: 12px; padding: 0 !important; counter-reset: step; list-style: none; }
.steps li { position: relative; min-height: 56px; padding: 14px 14px 14px 58px; border: 1px solid var(--line); border-radius: 11px; background: #fffafb; counter-increment: step; }
.steps li::before { position: absolute; top: 12px; left: 14px; display: grid; width: 31px; height: 31px; place-items: center; border-radius: 9px; background: var(--primary); color: #fff; content: counter(step); font-size: 13px; font-weight: 850; }
.callout { margin-top: 16px; padding: 16px 18px; border-left: 4px solid var(--gold); border-radius: 8px; background: var(--warm); color: #64583f; }
.contact { margin-top: 28px; padding: 24px; border: 1px solid #f0c8d0; border-radius: 12px; background: var(--tint); }
.contact.section { border-bottom: 1px solid #f0c8d0; }
.site-footer { border-top: 1px solid var(--line); background: #fff; }
.footer-inner { display: flex; min-height: 104px; align-items: center; justify-content: space-between; gap: 24px; color: var(--muted); font-size: 13px; }
.footer-inner p { margin: 0; }
.footer-links { display: flex; flex-wrap: wrap; gap: 18px; }
.footer-links a { color: var(--muted); text-decoration: none; }

@media (max-width:820px) {
  .header-inner { align-items: flex-start; flex-direction: column; gap: 14px; padding: 16px 0; }
  .site-nav { width: 100%; overflow-x: auto; }
  .hero { padding: 52px 0 104px; }
  .feature-grid, .legal-grid { grid-template-columns: 1fr; }
  .sidebar { position: static; grid-template-columns: 1fr 1fr; }
  .card { min-height: 0; }
  .cta { align-items: flex-start; flex-direction: column; }
}
@media (max-width:560px) {
  .header-inner, .hero-inner, .page-shell, .footer-inner { width: min(100% - 24px,1180px); }
  .site-nav a { padding-inline: 10px; white-space: nowrap; }
  .page-shell { margin-top: -54px; }
  .sidebar, .benefit-grid { grid-template-columns: 1fr; }
  .document { padding: 4px 22px 28px; }
  .card, .wide-section, .cta { padding: 24px; }
  .linked-plans { padding: 0; }
  .linked-plans > header { padding: 26px 24px 8px; }
  .footer-inner { align-items: flex-start; flex-direction: column; padding: 24px 0; }
}