:root {
  --navy: #033d7e;
  --navy-mid: #286096;
  --navy-deep: #022c5c;
  --cyan: #00aeef;
  --cyan-dark: #0092c8;
  --pale: #eff3f7;
  --pale-blue: #c4d6e8;
  --slate: #373b3e;
  --body: #424242;
  --muted: #6b706c;
  --line: #d9e2ec;
  --white: #fff;
  --radius: 5px;
  --wrap: 1140px;
  --serif: "Lora", Georgia, "Times New Roman", serif;
  --sans: "Montserrat", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; scroll-padding-top: 88px; }

body {
  margin: 0;
  background: var(--white);
  color: var(--body);
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: var(--serif);
  color: var(--navy);
  line-height: 1.25;
  margin: 0 0 .6em;
  font-weight: 600;
}

p { margin: 0 0 1em; }
a { color: var(--navy-mid); }

.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 24px; }
.wrap-narrow { max-width: 860px; }
.center { text-align: center; }
.accent { color: var(--cyan); }

.skip {
  position: absolute; left: -9999px;
  background: var(--navy); color: var(--white);
  padding: 12px 20px; z-index: 100;
}
.skip:focus { left: 12px; top: 12px; }

/* ---------- buttons ---------- */

.btn {
  display: inline-block;
  font-family: var(--sans);
  font-weight: 600;
  font-size: 14px;
  letter-spacing: .06em;
  text-transform: uppercase;
  padding: 13px 24px;
  border: 2px solid transparent;
  border-radius: var(--radius);
  text-decoration: none;
  cursor: pointer;
  transition: background .15s ease, color .15s ease, border-color .15s ease;
}
.btn-lg { padding: 16px 32px; font-size: 15px; }
.btn-block { width: 100%; }

.btn-primary { background: var(--cyan); color: var(--white); }
.btn-primary:hover { background: var(--cyan-dark); }

.btn-navy { background: var(--navy-mid); color: var(--white); }
.btn-navy:hover { background: var(--navy); }

.btn-outline { background: transparent; color: var(--navy); border-color: var(--pale-blue); }
.btn-outline:hover { border-color: var(--navy); background: var(--pale); }

/* ---------- header ---------- */

.site-header {
  position: sticky; top: 0; z-index: 50;
  background: var(--white);
  border-bottom: 1px solid var(--line);
  box-shadow: 0 2px 10px rgba(3, 61, 126, .06);
}
.header-inner {
  display: flex; align-items: center; gap: 32px;
  height: 78px;
}
.logo {
  font-family: var(--serif);
  font-size: 26px;
  font-weight: 700;
  letter-spacing: .01em;
  text-decoration: none;
  white-space: nowrap;
  flex-shrink: 0;
}
.logo-mark { color: var(--navy); }
.logo-word { color: var(--cyan); margin-left: .28em; font-weight: 500; }

.nav { display: flex; gap: 26px; margin-left: auto; }
.nav a {
  color: var(--body);
  text-decoration: none;
  font-size: 13.5px;
  font-weight: 600;
  letter-spacing: .03em;
  text-transform: uppercase;
  white-space: nowrap;
}
.nav a:hover { color: var(--cyan); }

.header-cta { display: flex; align-items: center; gap: 20px; }

.menu-toggle {
  display: none;
  margin-left: auto;
  background: none; border: 0; cursor: pointer;
  padding: 14px 12px; gap: 5px; flex-direction: column;
  align-items: center; justify-content: center;
}
.menu-toggle span { display: block; width: 24px; height: 2px; background: var(--navy); }

.mobile-nav { background: var(--pale); padding: 8px 24px 20px; }
.mobile-nav a {
  display: block;
  color: var(--navy);
  text-decoration: none;
  padding: 13px 0;
  border-bottom: 1px solid var(--line);
  font-weight: 600;
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: .03em;
}

/* ---------- hero ---------- */

.hero {
  background: linear-gradient(170deg, var(--pale) 0%, #f8fbfd 55%, var(--white) 100%);
  border-bottom: 1px solid var(--line);
  padding: 76px 0 88px;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr .9fr;
  gap: 64px;
  align-items: start;
}

.eyebrow {
  font-family: var(--sans);
  text-transform: uppercase;
  letter-spacing: .16em;
  font-size: 12px;
  font-weight: 700;
  color: var(--cyan);
  margin-bottom: 16px;
}
.eyebrow.on-dark { color: #7fd6f7; }

.hero h1 {
  font-size: clamp(2.15rem, 4.2vw, 3.25rem);
  margin-bottom: 22px;
  font-weight: 600;
}
.lede { font-size: 19px; line-height: 1.65; max-width: 34em; color: var(--body); }
.lede strong { color: var(--navy); font-weight: 600; }

.mark { color: var(--navy); font-weight: 700; }

.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin: 32px 0 30px; }

.hero-badges {
  list-style: none; margin: 0; padding: 0;
  display: flex; flex-wrap: wrap; gap: 10px 26px;
  font-size: 14px; color: var(--navy);
  font-weight: 600;
}
.hero-badges li::before {
  content: "";
  display: inline-block;
  width: 8px; height: 8px;
  background: var(--cyan);
  border-radius: 50%;
  margin-right: 9px;
  vertical-align: middle;
}

/* ---------- hero form card ---------- */

.hero-form-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-top: 5px solid var(--cyan);
  border-radius: var(--radius);
  padding: 30px 28px 26px;
  box-shadow: 0 14px 40px rgba(3, 61, 126, .14);
}
.hero-form-card h2 { font-size: 24px; margin-bottom: 6px; }
.card-sub { font-size: 14.5px; color: var(--muted); margin-bottom: 22px; }

/* ---------- forms ---------- */

.lead-form label { display: block; margin-bottom: 15px; }
.lead-form label > span {
  display: block;
  font-size: 12.5px;
  font-weight: 600;
  color: var(--navy);
  letter-spacing: .02em;
  margin-bottom: 6px;
}
.lead-form label > span b { color: var(--cyan); font-weight: 700; }

.lead-form input,
.lead-form select,
.lead-form textarea {
  width: 100%;
  font-family: var(--sans);
  font-size: 15px;
  color: var(--body);
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 11px 13px;
}
.lead-form textarea { resize: vertical; }
.lead-form input:focus,
.lead-form select:focus,
.lead-form textarea:focus {
  outline: 2px solid var(--cyan);
  outline-offset: -1px;
  border-color: var(--cyan);
}
.lead-form [aria-invalid="true"] { border-color: #c0392b; background: #fdf6f5; }

.honey { position: absolute; left: -9999px; width: 1px; height: 1px; opacity: 0; }

.fineprint { font-size: 12.5px; color: var(--muted); margin: 14px 0 0; line-height: 1.55; }

.form-status { font-size: 14px; margin: 14px 0 0; font-weight: 600; }
.form-status.error { color: #c0392b; }
.form-status.success { color: #1f7a4d; }

/* ---------- strip ---------- */

.strip { background: var(--navy); }
.strip-inner { padding: 24px; }
.strip p {
  margin: 0; text-align: center;
  font-size: 15.5px; color: #cfe0f0;
}
.strip strong { color: var(--white); font-weight: 600; }

/* ---------- sections ---------- */

.section { padding: 88px 0; }
.section-alt { background: var(--pale); }

.section-title {
  font-size: clamp(1.75rem, 2.9vw, 2.35rem);
  max-width: 20em;
  margin-left: auto; margin-right: auto;
}
.section-lede {
  font-size: 18px;
  color: var(--muted);
  max-width: 46em;
  margin: 0 auto 48px;
}
.section-title.center + .cards-3,
.section-title.center + .steps,
.section-title.center + .who-grid,
.section-title.center + .faq { margin-top: 48px; }

/* ---------- cards ---------- */

.cards-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.card {
  background: var(--white);
  border: 1px solid var(--line);
  border-top: 4px solid var(--cyan);
  border-radius: var(--radius);
  padding: 30px 28px;
  box-shadow: 0 4px 16px rgba(3, 61, 126, .05);
}
.card h3 { font-size: 20px; }
.card p { margin: 0; font-size: 16px; }

.pullquote {
  margin: 56px auto 0;
  max-width: 44em;
  border-left: 4px solid var(--cyan);
  padding: 8px 0 8px 28px;
}
.pullquote p {
  margin: 0;
  font-family: var(--serif);
  font-size: 22px;
  line-height: 1.55;
  color: var(--navy);
}

/* ---------- uses ---------- */

.uses-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.use {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px 26px;
}
.use h3 { font-size: 18.5px; margin-bottom: .5em; }
.use h3::before {
  content: "";
  display: block;
  width: 26px; height: 4px;
  background: var(--cyan);
  border-radius: 2px;
  margin-bottom: 14px;
}
.use p { margin: 0; font-size: 15.5px; }

/* ---------- steps ---------- */

.steps { list-style: none; margin: 0 auto; padding: 0; max-width: 780px; }
.steps li {
  display: grid;
  grid-template-columns: 46px 1fr;
  gap: 22px;
  padding-bottom: 34px;
  position: relative;
}
.steps li:not(:last-child)::before {
  content: "";
  position: absolute;
  left: 22px; top: 48px; bottom: 4px;
  width: 2px;
  background: var(--pale-blue);
}
.step-n {
  width: 46px; height: 46px;
  display: grid; place-items: center;
  background: var(--cyan);
  color: var(--white);
  font-family: var(--sans);
  font-size: 17px;
  font-weight: 700;
  border-radius: 50%;
  position: relative; z-index: 1;
}
.steps h3 { font-size: 20px; margin-top: 6px; margin-bottom: .4em; }
.steps p { margin: 0; font-size: 16px; }

.timebox {
  display: flex; align-items: center; gap: 26px;
  max-width: 780px;
  margin: 20px auto 0;
  background: var(--navy);
  border-radius: var(--radius);
  padding: 28px 34px;
}
.timebox-n {
  font-family: var(--serif);
  font-size: 36px;
  color: var(--cyan);
  font-weight: 700;
  white-space: nowrap;
  line-height: 1;
}
.timebox-t { color: #cfe0f0; font-size: 16px; }

/* ---------- comparison table ---------- */

.compare { max-width: 980px; margin: 0 auto; }

.table-scroll {
  overflow-x: auto;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
}
.compare table {
  width: 100%;
  min-width: 720px;
  border-collapse: collapse;
  table-layout: fixed;
  font-size: 15px;
}
.compare thead th { width: 25%; }
.compare th, .compare td {
  padding: 14px 18px;
  text-align: left;
  border-bottom: 1px solid var(--line);
  vertical-align: top;
}
.compare tbody tr:last-child th,
.compare tbody tr:last-child td { border-bottom: 0; }
.compare thead th {
  font-family: var(--sans);
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: .09em;
  color: var(--muted);
  font-weight: 700;
  background: var(--pale);
}
.compare thead th.hl { color: var(--white); background: var(--navy); }
.compare tbody th {
  font-family: var(--sans);
  font-weight: 600;
  color: var(--navy);
  font-size: 14.5px;
}
.compare td { color: var(--body); }
.compare td.hl {
  color: var(--navy);
  background: rgba(0, 174, 239, .08);
  font-weight: 600;
}

/* ---------- who ---------- */

.who-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 40px 56px;
  max-width: 960px;
  margin: 0 auto;
}
.who-col h3 { font-size: 21px; }
.who-col h3::after {
  content: "";
  display: block;
  width: 38px; height: 4px;
  border-radius: 2px;
  background: var(--cyan);
  margin-top: 12px;
}
.who-col p { margin: 16px 0 0; font-size: 16px; }

/* ---------- faq ---------- */

.faq {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  padding: 0 26px;
}
.faq details { border-bottom: 1px solid var(--line); }
.faq details:last-child { border-bottom: 0; }
.faq summary {
  cursor: pointer;
  list-style: none;
  padding: 20px 44px 20px 0;
  font-family: var(--serif);
  font-size: 19px;
  font-weight: 600;
  color: var(--navy);
  position: relative;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary:hover { color: var(--cyan); }
.faq summary::after {
  content: "+";
  position: absolute; right: 6px; top: 50%;
  transform: translateY(-50%);
  font-size: 26px;
  color: var(--cyan);
  font-family: var(--sans);
  font-weight: 400;
  line-height: 1;
}
.faq details[open] summary::after { content: "\2013"; }
.faq details p { margin: 0 0 22px; font-size: 16px; max-width: 56em; }

/* ---------- apply ---------- */

.apply { background: var(--navy); }
.apply .section-title { color: var(--white); }
.apply .section-lede { color: #b7cee5; }

.lead-form-full {
  background: var(--white);
  border-top: 5px solid var(--cyan);
  border-radius: var(--radius);
  padding: 36px 34px 30px;
  box-shadow: 0 16px 44px rgba(0, 0, 0, .22);
}
.lead-form-full fieldset {
  border: 0;
  border-top: 1px solid var(--line);
  margin: 0 0 26px;
  padding: 24px 0 0;
}
.lead-form-full fieldset:first-of-type { border-top: 0; padding-top: 0; }
.lead-form-full legend {
  font-family: var(--sans);
  font-size: 11.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .14em;
  color: var(--cyan);
  padding: 0 10px 12px 0;
}
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0 20px; }
.lead-form-full .full { grid-column: 1 / -1; }

.direct-contact { text-align: center; margin-top: 42px; }
.direct-contact p { margin: 0; }
.direct-contact p:first-child { color: #b7cee5; font-size: 15px; }
.direct-lines {
  font-family: var(--serif);
  font-size: 22px;
  margin-top: 8px !important;
}
.direct-lines a { color: var(--white); text-decoration: none; }
.direct-lines a:hover { color: var(--cyan); text-decoration: underline; }
.direct-lines span { color: #6f8fb0; margin: 0 10px; }

/* ---------- footer ---------- */

.site-footer { background: var(--slate); color: #b8bcbf; padding: 58px 0 28px; font-size: 15px; }
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 44px;
  padding-bottom: 40px;
}
.logo-footer { font-size: 23px; display: inline-block; margin-bottom: 14px; }
.logo-footer .logo-mark { color: var(--white); }
.footer-blurb { max-width: 34em; line-height: 1.65; margin: 0; }
.site-footer h4 {
  color: var(--cyan);
  font-family: var(--sans);
  font-size: 11.5px;
  text-transform: uppercase;
  letter-spacing: .14em;
  font-weight: 700;
  margin-bottom: 14px;
}
.site-footer p { margin: 0 0 8px; }
.site-footer a { color: #dfe3e6; text-decoration: none; }
.site-footer a:hover { color: var(--cyan); }
.footer-name { color: var(--white); font-weight: 600; }

.disclaimer {
  border-top: 1px solid rgba(255, 255, 255, .12);
  padding-top: 24px;
  font-size: 12.5px;
  line-height: 1.6;
  color: #8d9295;
}
.disclaimer p { margin: 0 0 10px; }
.copyright { margin: 0; }

/* ---------- responsive ---------- */

@media (max-width: 1020px) {
  .nav { display: none; }
  .header-cta { display: none; }
  .menu-toggle { display: flex; }
  .hero-grid { grid-template-columns: 1fr; gap: 44px; }
  .cards-3 { grid-template-columns: 1fr; }
  .uses-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 700px) {
  body { font-size: 16px; }
  .section { padding: 60px 0; }
  .hero { padding: 52px 0 60px; }
  .uses-grid { grid-template-columns: 1fr; }
  .who-grid { grid-template-columns: 1fr; gap: 32px; }
  .field-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .lead-form-full { padding: 26px 20px 24px; }
  .lead-form label > span { font-size: 13.5px; }
  .faq { padding: 0 20px; }
  .timebox { flex-direction: column; align-items: flex-start; gap: 10px; }
  .hero-actions .btn { width: 100%; text-align: center; }
}