:root {
  --ink: #092d36;
  --navy: #052842;
  --teal: #087f84;
  --teal-bright: #0da7a5;
  --paper: #f7faf9;
  --white: #fff;
  --muted: #5c6d70;
  --line: #d8e3e1;
  --gold: #d5a221;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: Inter, Arial, sans-serif;
  line-height: 1.6;
}

a {
  color: inherit;
  text-decoration: none;
}

button,
a {
  -webkit-tap-highlight-color: transparent;
}

.site-header {
  position: absolute;
  z-index: 20;
  top: 0;
  left: 0;
  right: 0;
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 30px;
  min-height: 86px;
  padding: 14px max(24px, calc((100% - 1240px) / 2));
  color: var(--white);
  border-bottom: 1px solid rgba(255, 255, 255, .22);
  transition: background-color .2s ease, box-shadow .2s ease;
}

.site-header.is-scrolled {
  position: fixed;
  color: var(--ink);
  background: rgba(255, 255, 255, .97);
  box-shadow: 0 8px 30px rgba(9, 45, 54, .09);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
}

.brand img {
  width: 58px;
  height: 58px;
  flex: 0 0 58px;
  border: 2px solid rgba(255, 255, 255, .7);
  border-radius: 50%;
  object-fit: cover;
  background: var(--white);
}

.site-header.is-scrolled .brand img {
  border-color: var(--line);
}

.brand strong,
.brand small {
  display: block;
}

.brand strong {
  font-size: 14px;
}

.brand small {
  color: rgba(255, 255, 255, .72);
  font-size: 11px;
}

.site-header.is-scrolled .brand small {
  color: var(--muted);
}

.desktop-nav {
  display: flex;
  justify-content: center;
  gap: 25px;
  font-size: 13px;
  font-weight: 700;
}

.desktop-nav a {
  color: rgba(255, 255, 255, .82);
}

.site-header.is-scrolled .desktop-nav a {
  color: var(--muted);
}

.desktop-nav a:hover,
.site-header.is-scrolled .desktop-nav a:hover {
  color: var(--teal-bright);
}

.header-cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 10px 16px;
  color: var(--ink);
  background: var(--white);
  border-radius: 6px;
  font-size: 13px;
  font-weight: 800;
}

.site-header.is-scrolled .header-cta {
  color: var(--white);
  background: var(--teal);
}

.menu-button,
.mobile-nav {
  display: none;
}

.hero {
  position: relative;
  min-height: 780px;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding: 150px max(24px, calc((100% - 1240px) / 2)) 175px;
  color: var(--white);
  background: var(--navy);
}

.hero-media,
.hero-shade {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
}

.hero-media {
  object-fit: cover;
  object-position: 72% center;
}

.hero-shade {
  background: rgba(3, 34, 47, .69);
}

.hero-inner {
  position: relative;
  z-index: 2;
  max-width: 720px;
}

.eyebrow {
  margin: 0 0 12px;
  color: var(--gold);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  overflow-wrap: anywhere;
}

h1 {
  max-width: 720px;
  margin: 0;
  font-size: 68px;
  line-height: 1.03;
}

h2 {
  margin: 0;
  font-size: 44px;
  line-height: 1.1;
}

h3 {
  margin: 0;
  font-size: 19px;
  line-height: 1.3;
}

.hero-copy {
  max-width: 650px;
  margin: 22px 0 0;
  color: rgba(255, 255, 255, .86);
  font-size: 18px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 30px;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 50px;
  padding: 13px 19px;
  border-radius: 6px;
  font-size: 14px;
  font-weight: 800;
}

.button-primary {
  color: #082d36;
  background: #f2bd24;
  border: 1px solid #ffd65c;
  box-shadow: 0 14px 30px rgba(242, 189, 36, .32);
}

.button-primary:hover {
  background: #ffd052;
}

.button-quiet {
  color: var(--white);
  border: 1px solid rgba(255, 255, 255, .42);
}

.hero-trust {
  position: absolute;
  z-index: 3;
  left: max(24px, calc((100% - 1240px) / 2));
  right: max(24px, calc((100% - 1240px) / 2));
  bottom: 45px;
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  border-top: 1px solid rgba(255, 255, 255, .35);
  border-bottom: 1px solid rgba(255, 255, 255, .35);
}

.hero-trust span {
  padding: 15px 18px;
  border-left: 1px solid rgba(255, 255, 255, .22);
  color: rgba(255, 255, 255, .88);
  font-size: 12px;
  font-weight: 700;
  text-align: center;
}

.disclosure {
  display: grid;
  grid-template-columns: 180px 1fr;
  gap: 28px;
  padding: 22px max(24px, calc((100% - 1240px) / 2));
  color: var(--white);
  background: var(--teal);
}

.disclosure p {
  max-width: 920px;
  margin: 0;
  color: rgba(255, 255, 255, .82);
  font-size: 14px;
}

.section {
  padding: 90px max(24px, calc((100% - 1240px) / 2));
}

.section-intro {
  max-width: 720px;
}

.section-intro > p:last-child {
  margin-top: 18px;
  color: var(--muted);
}

.why {
  display: grid;
  grid-template-columns: .9fr 1.1fr;
  gap: 90px;
  background: var(--white);
}

.benefit-list {
  border-top: 1px solid var(--line);
}

.benefit-list article {
  display: grid;
  grid-template-columns: 45px 1fr;
  gap: 18px;
  padding: 25px 0;
  border-bottom: 1px solid var(--line);
}

.benefit-list article > span {
  color: var(--gold);
  font-size: 13px;
  font-weight: 800;
}

.benefit-list p,
.process-grid p,
.settlement p,
.settlement-points span,
.faq-list p {
  margin: 7px 0 0;
  color: var(--muted);
}

.process {
  background: #edf5f3;
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  margin-top: 38px;
  border: 1px solid #cbdcd8;
  background: #cbdcd8;
}

.process-grid article {
  min-height: 250px;
  padding: 28px;
  background: var(--white);
}

.process-grid article > span {
  display: grid;
  place-items: center;
  width: 38px;
  height: 38px;
  margin-bottom: 42px;
  color: var(--white);
  background: var(--teal);
  border-radius: 50%;
  font-size: 13px;
  font-weight: 800;
}

.settlement {
  display: grid;
  grid-template-columns: 1.15fr .85fr;
  gap: 90px;
  padding: 90px max(24px, calc((100% - 1240px) / 2));
  color: var(--white);
  background: var(--navy);
}

.settlement-copy {
  max-width: 700px;
}

.settlement-copy > p:not(.eyebrow) {
  color: rgba(255, 255, 255, .72);
}

.text-link {
  display: inline-block;
  margin-top: 20px;
  color: #55d8d3;
  border-bottom: 1px solid #55d8d3;
  font-weight: 700;
}

.settlement-points {
  border-top: 1px solid rgba(255, 255, 255, .25);
}

.settlement-points div {
  display: grid;
  gap: 3px;
  padding: 21px 0;
  border-bottom: 1px solid rgba(255, 255, 255, .25);
}

.settlement-points span {
  color: rgba(255, 255, 255, .66);
  font-size: 14px;
}

.faq {
  display: grid;
  grid-template-columns: .8fr 1.2fr;
  gap: 90px;
  background: var(--white);
}

.faq-list {
  border-top: 1px solid var(--line);
}

.faq-list details {
  padding: 20px 0;
  border-bottom: 1px solid var(--line);
}

.faq-list summary {
  cursor: pointer;
  font-weight: 700;
}

.faq-list p {
  padding-right: 40px;
}

.contact {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 70px;
  align-items: center;
  padding: 65px max(24px, calc((100% - 1240px) / 2));
  background: #e5f5f3;
}

.contact p:not(.eyebrow) {
  color: var(--muted);
}

.contact-actions {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  border: 1px solid #bcd7d3;
}

.contact-number {
  display: grid;
  gap: 3px;
  padding: 22px;
  background: var(--white);
}

.contact-number.application-link {
  color: #082d36;
  background: #f2bd24;
  box-shadow: inset 0 0 0 1px #ffd65c;
}

.contact-number.application-link:hover {
  background: #ffd052;
}

.contact-number + .contact-number {
  border-left: 1px solid #bcd7d3;
}

.contact-number span {
  color: var(--muted);
  font-size: 12px;
}

.contact-number strong {
  font-size: 20px;
}

.site-footer {
  display: grid;
  grid-template-columns: 1fr 1.4fr auto;
  gap: 30px;
  align-items: center;
  padding: 22px max(24px, calc((100% - 1240px) / 2));
  color: rgba(255, 255, 255, .7);
  background: #041f2f;
  font-size: 12px;
}

.site-footer div {
  display: grid;
}

.site-footer strong,
.site-footer a {
  color: var(--white);
}

.site-footer p {
  margin: 0;
}

@media (max-width: 980px) {
  .hero-media {
    object-position: 79% center;
  }

  .desktop-nav {
    display: none;
  }

  .site-header {
    grid-template-columns: 1fr auto auto;
  }

  .menu-button {
    display: grid;
    gap: 4px;
    width: 42px;
    height: 42px;
    place-content: center;
    border: 1px solid rgba(255, 255, 255, .34);
    border-radius: 6px;
    background: transparent;
  }

  .site-header.is-scrolled .menu-button {
    border-color: var(--line);
  }

  .menu-button span {
    width: 18px;
    height: 2px;
    background: currentColor;
  }

  .mobile-nav {
    position: absolute;
    top: 85px;
    left: 18px;
    right: 18px;
    display: none;
    padding: 10px;
    color: var(--ink);
    background: var(--white);
    box-shadow: 0 18px 40px rgba(5, 40, 66, .16);
  }

  .mobile-nav.is-open {
    display: grid;
  }

  .mobile-nav a {
    padding: 11px 12px;
    border-bottom: 1px solid var(--line);
    font-size: 14px;
    font-weight: 700;
  }

  .why,
  .faq,
  .settlement {
    grid-template-columns: 1fr;
    gap: 48px;
  }

  .process-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .hero-trust {
    grid-template-columns: repeat(3, 1fr);
  }

  .hero-trust span:nth-child(4),
  .hero-trust span:nth-child(5) {
    display: none;
  }
}

@media (max-width: 680px) {
  .site-header {
    min-height: 72px;
    padding: 10px 16px;
  }

  .brand img {
    width: 48px;
    height: 48px;
    flex-basis: 48px;
  }

  .brand strong {
    font-size: 12px;
  }

  .header-cta {
    display: none;
  }

  .site-header {
    grid-template-columns: 1fr auto;
  }

  .mobile-nav {
    top: 71px;
  }

  .hero {
    min-height: 740px;
    padding: 118px 18px 190px;
  }

  .hero-media {
    object-position: 84% center;
  }

  .hero-shade {
    background: rgba(3, 34, 47, .78);
  }

  h1 {
    font-size: 43px;
  }

  h2 {
    font-size: 34px;
  }

  .hero-copy {
    font-size: 16px;
  }

  .hero-actions {
    align-items: stretch;
    flex-direction: column;
  }

  .hero-trust {
    left: 18px;
    right: 18px;
    bottom: 27px;
    grid-template-columns: 1fr;
  }

  .hero-trust span {
    padding: 9px 12px;
    border-left: 0;
    border-bottom: 1px solid rgba(255, 255, 255, .18);
  }

  .disclosure {
    grid-template-columns: 1fr;
    gap: 5px;
    padding: 18px;
  }

  .section,
  .settlement,
  .contact {
    padding: 70px 18px;
  }

  .process-grid {
    grid-template-columns: 1fr;
  }

  .process-grid article {
    min-height: 0;
  }

  .process-grid article > span {
    margin-bottom: 25px;
  }

  .contact {
    grid-template-columns: 1fr;
    gap: 35px;
  }

  .contact-actions {
    grid-template-columns: 1fr;
  }

  .contact-number + .contact-number {
    border-top: 1px solid #bcd7d3;
    border-left: 0;
  }

  .site-footer {
    grid-template-columns: 1fr;
    gap: 12px;
    padding: 20px 18px;
  }
}