:root {
  --ink: #13285c;
  --blue: #1c5fa6;
  --sky: #2b93c6;
  --paper: #f4f7fb;
  --white: #ffffff;
  --amber: #f2a900;
  --line: #d5deea;
  --muted: #4b5b7c;
  --deep: #0c1a40;
  --sans: "IBM Plex Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body { margin: 0; background: var(--paper); color: var(--ink); font: 400 18px/1.6 var(--sans); }
a { color: var(--blue); text-underline-offset: 3px; }
a:hover { color: var(--ink); }
:focus-visible { outline: 3px solid var(--sky); outline-offset: 2px; }
h1, h2, h3 { line-height: 1.15; margin: 0 0 .5em; font-weight: 600; }
h1 { font-size: clamp(2.3rem, 5.6vw, 4rem); letter-spacing: -0.02em; max-width: 17ch; }
h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); letter-spacing: -0.01em; max-width: 24ch; }
h3 { font-size: 1.15rem; }
p { margin: 0 0 1em; }

.wrap { max-width: 1120px; margin: 0 auto; padding: 0 24px; }
.narrow > * { max-width: 760px; }
.lead { font-size: 1.28rem; line-height: 1.5; max-width: 46ch; }
.link-strong { font-weight: 600; }
[id] { scroll-margin-top: 16px; }

/* header */
.site-head { background: var(--white); border-bottom: 1px solid var(--line); }
.head-row { display: flex; align-items: center; gap: 28px; min-height: 78px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--ink); flex: 0 0 auto; }
.brand img { height: 46px; width: auto; }
.brand b { display: block; font-size: 1.05rem; letter-spacing: .02em; }
.brand small { display: block; font-size: .72rem; line-height: 1.3; color: var(--muted); max-width: 215px; }
.nav { display: flex; gap: 4px 24px; margin-left: auto; font-weight: 500; font-size: .98rem; white-space: nowrap; }
.nav a { color: var(--ink); text-decoration: none; padding: 6px 0; border-bottom: 3px solid transparent; }
.nav a:hover { border-bottom-color: var(--line); }
.nav a[aria-current="page"] { border-bottom-color: var(--amber); }

/* buttons */
.btn {
  display: inline-block; background: var(--amber); color: var(--ink); font: 600 1rem/1.3 var(--sans);
  padding: 14px 26px; border: 0; border-radius: 4px; text-decoration: none; cursor: pointer;
}
.btn:hover { background: #ffbd1f; color: var(--ink); }
.btn-sm { padding: 9px 16px; font-size: .95rem; flex: 0 0 auto; }

/* hero */
.hero { padding: 72px 0 24px; }
.actions { display: flex; flex-wrap: wrap; align-items: center; gap: 14px 28px; margin: 28px 0 0; }

/* process flow: the signature element */
.flow {
  display: grid; grid-template-columns: 170px 1fr 150px; align-items: center; gap: 0 8px;
  margin: 56px 0 0; padding: 32px 28px; background: var(--white); border: 1px solid var(--line); border-radius: 6px;
}
.flow-in, .flow-out span {
  font-weight: 600; font-size: .98rem; line-height: 1.25;
  padding: 10px 14px; border-radius: 4px; min-height: 46px; display: flex; align-items: center;
}
.flow-in { background: #e2e8f1; }
.flow-out { display: flex; flex-direction: column; gap: 8px; }
.flow-out span { background: var(--amber); }
.flow-steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(5, 1fr); position: relative; align-self: start; }
.flow-steps::before {
  content: ""; position: absolute; left: -6px; right: -6px; top: 20px; height: 3px;
  background: linear-gradient(90deg, #9aa8bd, var(--blue) 18%, var(--sky) 82%, var(--amber));
}
.flow-steps li { position: relative; text-align: center; padding: 0 6px; }
.flow-steps .dot {
  position: relative; z-index: 1; display: inline-grid; place-items: center;
  width: 42px; height: 42px; border-radius: 50%; background: var(--white);
  border: 3px solid var(--blue); font-weight: 600; font-size: .95rem;
}
.flow-steps b { display: block; margin-top: 10px; font-weight: 600; font-size: .95rem; line-height: 1.2; }

/* sections */
.band { padding: 72px 0; }
.band.white { background: var(--white); }
.page-head { padding: 64px 0 48px; }
.page-head .flow { margin-top: 40px; }
.cols3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px; margin-top: 28px; }
.cols3 > div { border-top: 3px solid var(--blue); padding-top: 16px; }
.cols3 > div:last-child { border-top-color: var(--amber); }
.cols4 { grid-template-columns: repeat(2, 1fr); column-gap: 56px; row-gap: 40px; max-width: 920px; }
.cols3 p { margin: 0; color: var(--muted); }
.two { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; }
.two > div { min-width: 0; }
.two p { max-width: 52ch; }
.work { display: grid; grid-template-columns: 1fr 1.3fr; gap: 56px; align-items: start; }
.work > div:first-child p { color: var(--muted); max-width: 34ch; }
.status { display: inline-block; font-weight: 600; background: #e2e8f1; padding: 4px 12px; border-radius: 3px; }
dl.reg { display: grid; grid-template-columns: 240px 1fr; margin: 24px 0 0; }
dl.reg dt, dl.reg dd { padding: 14px 0; border-top: 1px solid var(--line); margin: 0; }
dl.reg dt { color: var(--muted); padding-right: 20px; }

/* numbered steps with a rail */
.steps { list-style: none; counter-reset: s; margin: 0; padding: 0; }
.steps > li { counter-increment: s; position: relative; padding: 0 0 28px 64px; margin: 0; }
.steps > li::before {
  content: counter(s); position: absolute; left: 0; top: -6px; width: 42px; height: 42px;
  border-radius: 50%; border: 3px solid var(--blue); background: var(--white);
  display: grid; place-items: center; font-weight: 600; font-size: .95rem; z-index: 1;
}
.steps > li::after { content: ""; position: absolute; left: 20px; top: 36px; bottom: 0; width: 3px; background: var(--line); }
.steps > li:last-child { padding-bottom: 0; }
.steps > li:last-child::after { display: none; }
.steps h3 { margin-bottom: .25em; }
.steps p { margin: 0; color: var(--muted); max-width: 52ch; }
.steps-wide { display: grid; grid-template-columns: repeat(5, 1fr); gap: 28px; }
.steps-wide > li { padding: 56px 0 0; }
.steps-wide > li::before { top: 0; }
.steps-wide > li::after { display: none; }

/* form band */
.form-band { background: var(--ink); color: #e8eef8; padding: 72px 0; }
.form-band h1, .form-band h2 { color: var(--white); }
.form-band a { color: #ffffff; }
.form-grid { display: grid; grid-template-columns: 1fr 1.35fr; gap: 56px; align-items: start; }
.form-grid > div p { max-width: 40ch; font-size: 1.1rem; }
.form-grid .direct { font-size: .95rem; color: #c9d4e8; margin-top: 24px; }
.lead-form { display: grid; grid-template-columns: 1fr 1fr; align-items: end; gap: 16px 20px; background: var(--white); color: var(--ink); padding: 28px; border-radius: 6px; }
.lead-form .wide { grid-column: 1 / -1; }
.lead-form a { color: var(--blue); }
.field { display: flex; flex-direction: column; gap: 6px; min-width: 0; }
.field label { font-size: .92rem; font-weight: 500; }
.opt { font-weight: 400; color: var(--muted); }
.field input, .field select, .field textarea {
  font: 400 1rem/1.4 var(--sans); color: var(--ink); background: var(--white);
  border: 1px solid #b7c3d6; border-radius: 4px; padding: 11px 12px; width: 100%;
}
.field textarea { resize: vertical; min-height: 128px; }
.field input:focus, .field select:focus, .field textarea:focus { outline: 3px solid var(--sky); outline-offset: 0; border-color: var(--blue); }
.hint { font-size: .84rem; color: var(--muted); }
.form-note { font-size: .84rem; color: var(--muted); margin: 0; }
.form-band noscript .form-note { color: #c9d4e8; margin-top: 12px; }
.form-check:empty { display: none; }
.form-wait { font-size: .9rem; margin: 0; }
.lead-form p.wide { margin: 0; }
.hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }

/* footer */
.site-foot { background: var(--deep); color: #c9d4e8; padding: 40px 0 32px; font-size: .92rem; }
.site-foot a { color: #ffffff; text-decoration: none; }
.site-foot a:hover { text-decoration: underline; }
.foot-row { display: flex; flex-wrap: wrap; align-items: center; gap: 20px 40px; padding-bottom: 24px; border-bottom: 1px solid #263a6b; }
.brand-foot { color: #ffffff; }
.brand-foot img { height: 40px; }
.brand-foot small { color: #a9b7d3; }
.foot-nav { display: flex; flex-wrap: wrap; gap: 6px 24px; margin-left: auto; }
.foot-mail { margin: 0; font-weight: 600; }
.foot-legal { padding-top: 18px; font-size: .8rem; color: #8e9cbb; }

@media (max-width: 900px) {
  .head-row { flex-wrap: wrap; gap: 10px 20px; padding-top: 12px; padding-bottom: 12px; }
  .btn-sm { margin-left: auto; }
  .nav { margin-left: 0; order: 3; width: 100%; flex-wrap: wrap; white-space: normal; gap: 2px 18px; font-size: .95rem; }
  .cols3, .two, .work, .form-grid { grid-template-columns: 1fr; gap: 32px; }
  .band, .form-band { padding: 56px 0; }
  .hero { padding-top: 48px; }
  .flow { grid-template-columns: 1fr; padding: 24px 20px; margin-top: 40px; }
  .flow-in { margin-bottom: 22px; }
  .flow-steps { grid-template-columns: 1fr; }
  .flow-steps::before { left: 19px; right: auto; top: -22px; bottom: -22px; width: 3px; height: auto;
    background: linear-gradient(180deg, #9aa8bd, var(--blue) 18%, var(--sky) 82%, var(--amber)); }
  .flow-steps li { text-align: left; display: flex; align-items: center; gap: 14px; padding: 0 0 14px; }
  .flow-steps li:last-child { padding-bottom: 0; }
  .flow-steps b { margin-top: 0; }
  .flow-out { flex-direction: row; margin-top: 22px; }
  .flow-out span { flex: 1; }
  .steps-wide { grid-template-columns: 1fr; gap: 0; }
  .steps-wide > li { padding: 0 0 28px 64px; }
  .steps-wide > li::before { top: -6px; }
  .steps-wide > li::after { display: block; }
  .steps-wide > li:last-child::after { display: none; }
  dl.reg { grid-template-columns: 1fr; }
  dl.reg dd { border-top: 0; padding-top: 0; }
  .foot-nav { margin-left: 0; width: 100%; }
}
@media (max-width: 560px) {
  body { font-size: 17px; }
  .wrap { padding: 0 16px; }
  .brand small { display: none; }
  .brand-foot small { display: block; }
  .lead { font-size: 1.15rem; }
  .steps > li, .steps-wide > li { padding-left: 56px; }
  .lead-form { grid-template-columns: 1fr; padding: 20px 16px; }
  .nav { gap: 2px 14px; font-size: .9rem; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }