:root{
  --text:#1f2937;
  --muted:#5b6472;
  --line:#e5e7eb;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family: Arial, Helvetica, sans-serif;
  color:var(--text);
  background:#fff;
  line-height:1.6;
}
a{color:#0f3d75;text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto}
.topbar{
  border-bottom:1px solid var(--line);
  background:#fff;
  position:sticky;
  top:0;
  z-index:50;
}
.wrap{
  max-width:1120px;
  margin:0 auto;
  padding:0 20px;
}
.header{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:20px;
  padding:16px 0;
}
.brand{
  display:flex;
  align-items:center;
  gap:16px;
  min-width:0;
}
.brand img{
  height:54px;
  width:auto;
  display:block;
}
.brand-title{
  font-weight:700;
  letter-spacing:.08em;
  font-size:1rem;
  margin:0;
}
.brand-sub{
  color:var(--muted);
  font-size:.92rem;
  margin:2px 0 0;
}
nav{
  display:flex;
  flex-wrap:wrap;
  gap:14px;
  justify-content:flex-end;
}
nav a{
  color:#111;
  font-weight:600;
  font-size:.95rem;
}
.hero{
  padding:60px 0 42px;
  background:linear-gradient(to bottom, #fafafa 0%, #ffffff 100%);
  border-bottom:1px solid var(--line);
}
.hero-grid{
  display:grid;
  grid-template-columns: 1.3fr .9fr;
  gap:36px;
  align-items:start;
}
.kicker{
  text-transform:uppercase;
  letter-spacing:.14em;
  color:var(--muted);
  font-size:.8rem;
  font-weight:700;
  margin-bottom:14px;
}
h1{
  font-size:2.55rem;
  line-height:1.16;
  margin:0 0 16px;
  color:#0f172a;
}
.lead{
  font-size:1.1rem;
  color:#334155;
  margin:0 0 22px;
  max-width:760px;
}
.actions{
  display:flex;
  flex-wrap:wrap;
  gap:12px;
  margin-top:24px;
}
.btn{
  display:inline-block;
  padding:12px 18px;
  border-radius:8px;
  border:1px solid #111827;
  font-weight:700;
}
.btn.primary{
  background:#111827;
  color:#fff;
}
.btn.secondary{
  background:#fff;
  color:#111827;
}
.card{
  border:1px solid var(--line);
  border-radius:14px;
  padding:22px;
  background:#fff;
}
.callout{
  background:#f8fafc;
}
.section{
  padding:48px 0;
}
.section-tight{padding:34px 0}
h2{
  margin:0 0 12px;
  font-size:1.85rem;
  color:#0f172a;
}
h3{
  margin:0 0 10px;
  font-size:1.15rem;
  color:#111827;
}
p{margin:0 0 16px}
ul{
  margin:10px 0 0 20px;
  padding:0;
}
li{margin:0 0 8px}
.grid-2{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:24px;
}
.grid-3{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:20px;
}
.note{
  border-left:4px solid #111827;
  background:#f8fafc;
  padding:14px 16px;
  margin:18px 0 0;
}
.small{
  font-size:.95rem;
  color:var(--muted);
}
.statement{
  padding:18px;
  border:1px solid var(--line);
  border-radius:12px;
  background:#fcfcfd;
  font-weight:700;
}
.cta-band{
  background:#111827;
  color:#fff;
  padding:34px 0;
  margin-top:10px;
}
.cta-band a{color:#fff}
.footer{
  border-top:1px solid var(--line);
  padding:26px 0 34px;
  color:var(--muted);
  font-size:.95rem;
}
.footer-grid{
  display:grid;
  grid-template-columns:1.2fr .8fr;
  gap:24px;
}
table{
  width:100%;
  border-collapse:collapse;
  margin-top:12px;
}
th,td{
  text-align:left;
  padding:12px 10px;
  border-bottom:1px solid var(--line);
  vertical-align:top;
}
th{color:#111827}
.form-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:14px;
}
label{
  display:block;
  font-weight:700;
  margin:0 0 6px;
}
input, textarea{
  width:100%;
  padding:12px 12px;
  border:1px solid #cbd5e1;
  border-radius:8px;
  font:inherit;
}
textarea{min-height:180px; resize:vertical}
button{
  border:0;
  border-radius:8px;
  padding:12px 18px;
  background:#111827;
  color:#fff;
  font:inherit;
  font-weight:700;
  cursor:pointer;
}
hr{
  border:0;
  border-top:1px solid var(--line);
  margin:24px 0;
}
@media (max-width: 900px){
  .hero-grid, .grid-3, .grid-2, .footer-grid, .form-grid{
    grid-template-columns:1fr;
  }
  .header{
    align-items:flex-start;
    flex-direction:column;
  }
  nav{
    justify-content:flex-start;
  }
  h1{font-size:2.1rem}
}