:root {
  --blue: #0074C8;
  --blue-dark: #005fa3;
  --ink: #221E20;
  --charcoal: #4A4E54;
  --bg: #ffffff;
  --bg-alt: #f5f6f7;
  --line: #d9dce0;
  --white: #ffffff;
  --font-display: "Century Gothic", CenturyGothic, AppleGothic, Outfit, "Trebuchet MS", sans-serif;
  --font-body: "Gill Sans", "Gill Sans MT", "Gill Sans Nova", Calibri, "Source Sans 3", "Trebuchet MS", sans-serif;
  --wrap: 1120px;
  --prose: 40rem;
}

* { box-sizing: border-box; }

html, body {
  margin: 0;
  padding: 0;
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  background: var(--bg);
  color: var(--ink);
  line-height: 1.55;
  font-size: 18px;
  font-weight: 400;
}

img { max-width: 100%; height: auto; }

a {
  color: var(--blue);
}

a:hover { color: var(--blue-dark); }

.skip {
  position: absolute;
  left: -999px;
  top: 0;
}
.skip:focus {
  left: 1rem;
  top: 1rem;
  z-index: 1000;
  background: var(--white);
  padding: 0.5rem 0.75rem;
  color: var(--ink);
}

.wrap {
  width: min(var(--wrap), calc(100% - 2.5rem));
  margin: 0 auto;
}

.prose-wrap {
  width: min(var(--prose), calc(100% - 2.5rem));
  margin: 0 auto;
}

/* Header lockup band */
.site-header {
  background: var(--white);
  border-bottom: 1px solid var(--line);
}

.site-header .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  min-height: 4.5rem;
  padding: 0.75rem 0;
}

.brand-lockup {
  display: block;
  height: 48px;
  width: auto;
  max-width: 220px;
  object-fit: contain;
  flex: 0 0 auto;
}

.site-nav {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.35rem 1.15rem;
  font-family: var(--font-display);
  font-size: 0.82rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.site-nav a {
  color: var(--charcoal);
  text-decoration: none;
}

.site-nav a:hover,
.site-nav a[aria-current="page"] {
  color: var(--blue);
}

/* Type */
h1, h2, h3 {
  font-family: var(--font-display);
  font-weight: 700;
  color: var(--ink);
  letter-spacing: -0.01em;
  line-height: 1.15;
}

h1 {
  font-size: clamp(2rem, 4vw, 2.75rem);
  margin: 0 0 1rem;
}

h2 {
  font-size: 0.95rem;
  margin: 0 0 1rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--blue);
}

h3 {
  font-size: 1.2rem;
  margin: 0 0 0.5rem;
  letter-spacing: 0;
  text-transform: none;
  color: var(--ink);
}

.lede {
  font-size: 1.25rem;
  color: var(--ink);
  margin: 0 0 1.25rem;
  max-width: 40rem;
}

p { margin: 0 0 1rem; color: var(--charcoal); }
p:last-child { margin-bottom: 0; }

ul {
  margin: 0 0 1rem;
  padding-left: 1.2rem;
  color: var(--charcoal);
}

li { margin: 0.2rem 0; }

/* Sections */
.band {
  padding: 3.25rem 0;
  border-top: 1px solid var(--line);
}

.band-alt { background: var(--bg-alt); }

.hero {
  padding: 3.5rem 0 3.25rem;
  background: var(--white);
}

.hero p { max-width: 42rem; }

/* Square CTAs */
.cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: 1.5rem;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: 0.92rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  text-decoration: none;
  border-radius: 0;
  padding: 0.95rem 1.35rem;
  border: 2px solid var(--blue);
  line-height: 1.2;
  cursor: pointer;
}

.btn-primary {
  background: var(--blue);
  color: var(--white);
}

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

.btn-secondary {
  background: var(--white);
  color: var(--blue);
}

.btn-secondary:hover {
  background: var(--bg-alt);
  color: var(--blue-dark);
  border-color: var(--blue-dark);
}

.contact-line {
  margin-top: 1.25rem;
  font-size: 0.95rem;
  color: var(--charcoal);
}

/* Who / cards */
.who-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}

.who-card {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 1.25rem 1.15rem;
}

.who-card h3 {
  font-size: 1rem;
  margin-bottom: 0.4rem;
}

.who-card p {
  font-size: 0.95rem;
  margin: 0;
}

/* Markets */
.markets {
  columns: 2;
  column-gap: 2.5rem;
  margin: 0 0 1.25rem;
}

.markets li { break-inside: avoid; }

/* Proof */
.proof-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
}

.proof-card {
  background: var(--white);
  border-left: 4px solid var(--blue);
  padding: 1.25rem 1.35rem;
}

/* Fees */
.fee-table {
  width: 100%;
  border-collapse: collapse;
  margin: 0 0 2rem;
  font-family: var(--font-display);
}

.fee-table th,
.fee-table td {
  text-align: left;
  padding: 0.85rem 1rem;
  border-bottom: 1px solid var(--line);
}

.fee-table th {
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.75rem;
  color: var(--charcoal);
  font-weight: 700;
}

.fee-table td:last-child,
.fee-table th:last-child {
  text-align: right;
  white-space: nowrap;
}

.fee-table tbody tr:hover { background: var(--bg-alt); }

.offer-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}

.offer-card {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 1.5rem 1.25rem 1.35rem;
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}

.offer-card h3 {
  color: var(--blue);
  font-size: 1.15rem;
  margin: 0 0 0.5rem;
}

.offer-card p { font-size: 0.98rem; }

.exclusions {
  margin-top: 2rem;
  max-width: 48rem;
}

/* FAQ accordion */
.faq details {
  border-top: 1px solid var(--line);
  padding: 1rem 0;
}

.faq details:last-child {
  border-bottom: 1px solid var(--line);
}

.faq summary {
  cursor: pointer;
  list-style: none;
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  color: var(--ink);
}

.faq summary::-webkit-details-marker { display: none; }
.faq summary::marker { content: none; }

.faq summary::before {
  content: "";
  flex: 0 0 auto;
  width: 0.55rem;
  height: 0.55rem;
  margin-top: 0.45em;
  background: var(--blue);
}

.faq details[open] summary::before {
  background: transparent;
  box-shadow: inset 0 0 0 2px var(--blue);
}

.faq summary h3 {
  display: inline;
  margin: 0;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--ink);
}

.faq details > p {
  margin: 0.65rem 0 0.1rem 1.3rem;
  color: var(--charcoal);
}

.closer {
  background: var(--ink);
  color: var(--white);
  border-top: 0;
}

.closer h2 { color: var(--white); }

.closer p { color: #d5d6d7; }

.closer .btn-primary {
  background: var(--blue);
  border-color: var(--blue);
}

.closer .btn-secondary {
  background: transparent;
  color: var(--white);
  border-color: var(--white);
}

.closer .btn-secondary:hover {
  background: rgba(255, 255, 255, 0.08);
  color: var(--white);
  border-color: var(--white);
}

.closer a { color: #7ec4ef; }
.closer a:hover { color: #b9e0f7; }

.site-footer {
  background: var(--ink);
  color: #b7b9bb;
  padding: 1.5rem 0 2rem;
  font-size: 0.9rem;
  border-top: 1px solid #3a3738;
}

.site-footer a { color: #7ec4ef; }

.site-footer p { color: #b7b9bb; margin: 0; }

@media (max-width: 900px) {
  .who-grid,
  .offer-grid,
  .proof-grid {
    grid-template-columns: 1fr;
  }
  .markets { columns: 1; }
}

@media (max-width: 640px) {
  body { font-size: 17px; }
  .site-header .wrap {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.75rem;
  }
  .hero, .band { padding: 2.35rem 0; }
  .btn { width: 100%; }
}