:root {
  --ink: #14181f;
  --ink-2: #3d4654;
  --ink-3: #6b7688;
  --line: #e3e7ee;
  --bg: #ffffff;
  --bg-2: #f7f9fc;
  --accent: #1f5fd6;
  --accent-dark: #17499f;
  --amber: #b5761a;
  --max: 1040px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

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

body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Inter, Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
}

.wrap { max-width: var(--max); margin: 0 auto; padding: 0 24px; }
.narrow { max-width: 760px; }

/* ---------- header ---------- */
header {
  border-bottom: 1px solid var(--line);
  position: sticky; top: 0; background: rgba(255,255,255,.92);
  backdrop-filter: saturate(180%) blur(8px); z-index: 10;
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 68px; gap: 24px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--ink); font-weight: 650; letter-spacing: -.01em; font-size: 17px; }
.brand .mark { width: 26px; height: 26px; flex: none; }
.nav-links { display: flex; gap: 26px; align-items: center; }
.nav-links a { color: var(--ink-2); text-decoration: none; font-size: 15px; }
.nav-links a:hover { color: var(--accent); }
.nav-links a.btn { color: #fff; }
.nav-links a.btn:hover { color: #fff; }

/* ---------- buttons ---------- */
.btn {
  display: inline-block; background: var(--accent); color: #fff; text-decoration: none;
  padding: 13px 22px; border-radius: 8px; font-weight: 600; font-size: 16px;
  border: 1px solid var(--accent); transition: background .15s ease;
}
.btn:hover { background: var(--accent-dark); border-color: var(--accent-dark); }
.btn.ghost { background: transparent; color: var(--accent); }
.btn.ghost:hover { background: var(--bg-2); }
.btn.sm { padding: 9px 16px; font-size: 15px; }

/* ---------- hero ---------- */
.hero { padding: 88px 0 72px; border-bottom: 1px solid var(--line); }
.hero h1 {
  font-size: clamp(34px, 5vw, 52px); line-height: 1.12; letter-spacing: -.025em;
  font-weight: 700; max-width: 18ch;
}
.hero .lede { margin-top: 22px; font-size: clamp(18px, 2.2vw, 21px); color: var(--ink-2); max-width: 58ch; }
.hero .cta-row { margin-top: 34px; display: flex; gap: 14px; flex-wrap: wrap; align-items: center; }
.hero .note { margin-top: 18px; font-size: 15px; color: var(--ink-3); }

/* ---------- sections ---------- */
section { padding: 72px 0; border-bottom: 1px solid var(--line); }
section.tint { background: var(--bg-2); }
h2 { font-size: clamp(26px, 3.2vw, 33px); letter-spacing: -.02em; line-height: 1.2; font-weight: 680; }
h3 { font-size: 19px; font-weight: 650; letter-spacing: -.01em; margin-bottom: 8px; }
.sub { margin-top: 14px; color: var(--ink-2); max-width: 62ch; }

.grid3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 34px; margin-top: 44px; }
.grid2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 34px; margin-top: 40px; }
.card p { color: var(--ink-2); font-size: 16px; }
.step { font-size: 13px; font-weight: 700; color: var(--accent); letter-spacing: .08em; text-transform: uppercase; margin-bottom: 10px; }

/* ---------- eligibility ---------- */
.callout {
  border: 1px solid var(--line); border-left: 3px solid var(--amber);
  background: #fffdf8; padding: 24px 26px; border-radius: 8px; margin-top: 32px;
}
.callout h3 { margin-bottom: 10px; }
.callout ul { margin: 12px 0 0 20px; color: var(--ink-2); font-size: 16px; }
.callout li { margin-bottom: 6px; }

/* ---------- prose (legal pages) ---------- */
.prose { padding: 56px 0 80px; }
.prose h1 { font-size: clamp(30px, 4vw, 40px); letter-spacing: -.02em; line-height: 1.15; }
.prose .updated { color: var(--ink-3); font-size: 15px; margin-top: 12px; }
.prose h2 { font-size: 22px; margin-top: 42px; }
.prose h3 { font-size: 18px; margin-top: 26px; }
.prose p, .prose li { color: var(--ink-2); font-size: 16.5px; }
.prose p { margin-top: 14px; }
.prose ul, .prose ol { margin: 14px 0 0 22px; }
.prose li { margin-bottom: 8px; }
.prose table { width: 100%; border-collapse: collapse; margin-top: 18px; font-size: 15.5px; }
.prose th, .prose td { text-align: left; padding: 11px 12px; border-bottom: 1px solid var(--line); vertical-align: top; }
.prose th { font-weight: 650; color: var(--ink); background: var(--bg-2); }
.prose a { color: var(--accent); overflow-wrap: anywhere; }
.prose strong { color: var(--ink); }
.prose code {
  font-family: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;
  font-size: .9em; background: var(--bg-2); border: 1px solid var(--line);
  padding: 2px 6px; border-radius: 5px; color: var(--ink);
  overflow-wrap: anywhere; word-break: break-word;
}

/* ---------- contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; margin-top: 36px; }
.contact-block { border: 1px solid var(--line); border-radius: 10px; padding: 26px; }
.contact-block h3 { margin-bottom: 6px; }
.contact-block p, .contact-block address {
  color: var(--ink-2); font-size: 16px; font-style: normal; margin-top: 8px;
}
.contact-block a { color: var(--accent); }

/* ---------- footer ---------- */
footer { padding: 48px 0 56px; background: var(--bg-2); }
.foot { display: flex; justify-content: space-between; gap: 32px; flex-wrap: wrap; }
.foot-brand { max-width: 320px; }
.foot-brand p { color: var(--ink-3); font-size: 14.5px; margin-top: 10px; }
.foot-links { display: flex; gap: 48px; flex-wrap: wrap; }
.foot-col h4 { font-size: 13px; text-transform: uppercase; letter-spacing: .07em; color: var(--ink-3); margin-bottom: 12px; font-weight: 650; }
.foot-col a { display: block; color: var(--ink-2); text-decoration: none; font-size: 15px; margin-bottom: 8px; }
.foot-col a:hover { color: var(--accent); }
.legal { margin-top: 40px; padding-top: 22px; border-top: 1px solid var(--line); color: var(--ink-3); font-size: 14px; }
.legal p { margin-bottom: 6px; }

.brand { white-space: nowrap; }

@media (max-width: 820px) {
  .grid3, .grid2, .contact-grid { grid-template-columns: 1fr; gap: 28px; }
  .nav-links { gap: 18px; }
  .nav-links a.hide-sm { display: none; }
  .hero { padding: 60px 0 52px; }
  section { padding: 56px 0; }
}

@media (max-width: 560px) {
  body { font-size: 16px; }
  .wrap { padding: 0 18px; }
  .nav { height: 60px; gap: 12px; }
  .brand { font-size: 15px; gap: 8px; }
  .brand .mark { width: 22px; height: 22px; }
  .nav-links { gap: 12px; }
  .nav-links a:not(.btn) { display: none; }
  .btn.sm { padding: 8px 13px; font-size: 14px; }
  .hero .cta-row { flex-direction: column; align-items: stretch; }
  .hero .cta-row .btn { text-align: center; }
  .prose table { display: block; overflow-x: auto; }
}