:root {
  --bg: #f6f5f1;
  --card: #ffffff;
  --ink: #1b2430;
  --muted: #5d6773;
  --navy: #1f3a5f;
  --navy2: #3b5578;
  --gold: #c8892b;
  --line: #e4e2db;
}

* { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font: 17px/1.6 -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

a { color: var(--navy); }

.wrap { max-width: 980px; margin: 0 auto; padding: 0 16px; }

/* header */
.top { background: var(--card); border-bottom: 3px solid var(--navy); }
.top-row { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding-top: 14px; padding-bottom: 14px; }
.wordmark { font-weight: 800; font-size: 20px; color: var(--navy); text-decoration: none; letter-spacing: .01em; white-space: nowrap; }
.star { color: var(--gold); }

/* buttons */
.btn {
  display: inline-block; background: var(--navy); color: #fff; text-decoration: none;
  font-weight: 700; padding: 13px 22px; border-radius: 10px; margin: 6px 8px 0 0;
}
.btn:hover { background: var(--navy2); }
.btn-small { padding: 8px 14px; font-size: 15px; margin: 0; }
.btn-light { background: #fff; color: var(--navy); }
.btn-light:hover { background: #eef1f6; }
.btn-ghost { background: transparent; color: #fff; border: 2px solid rgba(255,255,255,.7); padding: 11px 20px; }
.btn-ghost:hover { background: rgba(255,255,255,.12); }

/* sections */
section { padding: 44px 0; }
h1, h2, h3 { line-height: 1.2; color: var(--navy); }
h2 { font-size: 26px; margin: 0 0 16px; }
h3 { font-size: 19px; margin: 0 0 6px; }

.hero { background: var(--card); padding: 56px 0 52px; }
.hero h1 { font-size: 36px; margin: 0 0 16px; max-width: 760px; }
.hero h1 span { color: var(--gold); }
.lede { font-size: 20px; color: var(--ink); max-width: 680px; margin: 0 0 18px; }

.band { background: #eef1f6; }
.steps { list-style: none; counter-reset: step; padding: 0; margin: 0; display: grid; gap: 16px; grid-template-columns: repeat(3, minmax(0, 1fr)); }
.steps li { background: var(--card); border: 1px solid var(--line); border-radius: 12px; padding: 20px; counter-increment: step; }
.steps li::before { content: counter(step); display: inline-block; width: 30px; height: 30px; line-height: 30px; text-align: center; border-radius: 50%; background: var(--gold); color: #fff; font-weight: 800; margin-bottom: 10px; }
.steps p { margin: 0; color: var(--muted); }

.stats { display: grid; gap: 16px; grid-template-columns: repeat(3, minmax(0, 1fr)); margin: 0 0 18px; }
.stat { background: var(--card); border: 1px solid var(--line); border-top: 4px solid var(--gold); border-radius: 12px; padding: 18px 20px; }
.stat b { display: block; font-size: 34px; line-height: 1.1; color: var(--navy); }
.stat p { margin: 6px 0 0; color: var(--muted); }
.source { font-size: 13px; color: var(--muted); }

.two-col { display: grid; gap: 36px; grid-template-columns: repeat(2, minmax(0, 1fr)); }
.checks { list-style: none; padding: 0; margin: 0 0 14px; }
.checks li { position: relative; padding: 6px 0 6px 30px; }
.checks li::before { content: "\2605"; position: absolute; left: 2px; top: 6px; color: var(--gold); }
.note { color: var(--muted); font-size: 15px; border-left: 4px solid var(--gold); padding-left: 12px; }

.offer { background: var(--navy); color: #fff; }
.offer h2 { color: #fff; }
.offer p { max-width: 720px; }
.offer strong { color: #ffd7a8; }

.contact { display: grid; grid-template-columns: max-content minmax(0, 1fr); gap: 8px 18px; margin: 0; }
.contact dt { font-weight: 700; color: var(--navy); }
.contact dd { margin: 0; overflow-wrap: anywhere; }

.prose { max-width: 720px; }
.prose h1 { font-size: 32px; margin: 0 0 6px; }
.prose h2 { font-size: 20px; margin: 28px 0 8px; }
.muted { color: var(--muted); }

footer { border-top: 1px solid var(--line); background: var(--card); font-size: 14px; color: var(--muted); }
.foot-row { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 6px 18px; padding-top: 18px; padding-bottom: 18px; }
footer p { margin: 0; }

@media (max-width: 760px) {
  body { font-size: 16px; }
  .hero { padding: 40px 0 36px; }
  .hero h1 { font-size: 28px; }
  .lede { font-size: 18px; }
  .steps, .two-col, .stats { grid-template-columns: minmax(0, 1fr); }
  .two-col { gap: 8px; }
  section { padding: 34px 0; }
  .wordmark { font-size: 18px; }
}