:root {
  --navy: #0F2747;
  --navy-2: #17375E;
  --copper: #C56A3D;
  --copper-dark: #A9532D;
  --ivory: #FEF9F1;
  --sand: #F3ECE2;
  --white: #FFFFFF;
  --ink: #17202B;
  --muted: #657080;
  --line: #E1E4E8;
  --success: #2F6F5E;
  --shadow: 0 18px 60px rgba(15,39,71,.10);
  --radius: 24px;
  --radius-sm: 14px;
  --max: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family: Inter, Avenir, "Helvetica Neue", Arial, sans-serif;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
button, input, select, textarea { font: inherit; }

.skip-link {
  position: absolute;
  left: -9999px;
  top: auto;
}
.skip-link:focus {
  left: 16px;
  top: 16px;
  z-index: 9999;
  background: var(--white);
  color: var(--navy);
  padding: 10px 14px;
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.container { width: min(var(--max), calc(100% - 40px)); margin: 0 auto; }
.section { padding: 88px 0; }
.section-sm { padding: 58px 0; }
.bg-ivory { background: var(--ivory); }
.bg-navy { background: var(--navy); color: var(--white); }
.bg-sand { background: var(--sand); }

.eyebrow {
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: .13em;
  text-transform: uppercase;
  color: var(--copper);
  margin-bottom: 14px;
}
.bg-navy .eyebrow { color: #E3A17E; }

h1, h2, h3, h4 { color: var(--navy); line-height: 1.08; margin: 0; letter-spacing: -.025em; }
.bg-navy h1, .bg-navy h2, .bg-navy h3 { color: var(--white); }
h1 { font-size: clamp(3rem, 7vw, 6.6rem); max-width: 980px; }
h2 { font-size: clamp(2rem, 4vw, 3.6rem); max-width: 860px; }
h3 { font-size: 1.25rem; }
p { margin: 0; }
.lede { font-size: clamp(1.08rem, 2vw, 1.38rem); color: #465364; max-width: 760px; }
.bg-navy .lede { color: #DCE5F0; }
.small { font-size: .92rem; color: var(--muted); }
.bg-navy .small { color: #BFCADD; }

.header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255,255,255,.95);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(15,39,71,.08);
}
.header-inner {
  height: 78px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.brand { display: flex; align-items: center; gap: 12px; min-width: 224px; }
.brand-mark { width: 46px; height: 42px; flex: 0 0 auto; }
.brand-copy { display: flex; flex-direction: column; line-height: 1; }
.brand-copy strong { font-size: 1.55rem; color: var(--navy); letter-spacing: .04em; }
.brand-copy span { font-size: .56rem; color: var(--navy); font-weight: 700; letter-spacing: .16em; margin-top: 5px; }
.nav { display: flex; align-items: center; gap: 28px; }
.nav > a, .nav-toggle-link {
  font-size: .95rem;
  font-weight: 700;
  color: #2B3C52;
}
.nav > a:hover, .nav-toggle-link:hover, .nav > a.active { color: var(--copper-dark); }
.nav-group { position: relative; }
.nav-toggle-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: none;
  border: 0;
  padding: 10px 0;
  cursor: pointer;
}
.chev { width: 10px; height: 10px; border-right: 2px solid currentColor; border-bottom: 2px solid currentColor; transform: rotate(45deg) translateY(-2px); }
.dropdown {
  position: absolute;
  top: calc(100% + 10px);
  left: -24px;
  min-width: 260px;
  background: var(--white);
  border: 1px solid rgba(15,39,71,.1);
  border-radius: 16px;
  box-shadow: var(--shadow);
  padding: 10px;
  opacity: 0;
  transform: translateY(-8px);
  pointer-events: none;
  transition: .18s ease;
}
.nav-group:hover .dropdown, .nav-group:focus-within .dropdown, .nav-group.open .dropdown {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}
.dropdown a { display: block; padding: 13px 14px; border-radius: 10px; }
.dropdown a:hover { background: var(--ivory); color: var(--copper-dark); }
.dropdown a strong { display: block; color: var(--navy); font-size: .95rem; }
.dropdown a span { display: block; color: var(--muted); font-size: .78rem; margin-top: 3px; }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0 20px;
  border-radius: 999px;
  border: 1px solid transparent;
  font-weight: 800;
  font-size: .94rem;
  transition: .18s ease;
  cursor: pointer;
}
.btn-primary { background: var(--copper); color: var(--white); }
.btn-primary:hover { background: var(--copper-dark); transform: translateY(-1px); }
.btn-secondary { background: var(--white); color: var(--navy); border-color: rgba(15,39,71,.16); }
.btn-secondary:hover { border-color: var(--navy); transform: translateY(-1px); }
.btn-light { background: var(--white); color: var(--navy); }
.btn-ghost-light { background: transparent; color: var(--white); border-color: rgba(255,255,255,.38); }
.actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }

.mobile-menu-btn { display: none; border: 0; background: transparent; width: 44px; height: 44px; padding: 10px; }
.mobile-menu-btn span { display: block; height: 2px; background: var(--navy); margin: 5px 0; border-radius: 2px; }
.mobile-panel { display: none; }

.hero { padding: 88px 0 72px; overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 64px; align-items: center; }
.hero-copy h1 span { color: var(--copper); }
.hero-copy .lede { margin-top: 24px; }
.hero-visual {
  position: relative;
  min-height: 470px;
  border-radius: 32px;
  background: linear-gradient(145deg, var(--navy) 0%, #173A65 100%);
  box-shadow: var(--shadow);
  overflow: hidden;
  padding: 34px;
  display: flex;
  align-items: flex-end;
}
.hero-visual:before, .hero-visual:after {
  content: "";
  position: absolute;
  border-radius: 999px;
  opacity: .95;
  transform: rotate(-18deg);
}
.hero-visual:before { width: 420px; height: 86px; background: var(--copper); top: 86px; right: -80px; }
.hero-visual:after { width: 430px; height: 24px; background: var(--ivory); top: 210px; right: -105px; }
.visual-card {
  position: relative;
  z-index: 2;
  width: 100%;
  background: rgba(255,255,255,.96);
  border-radius: 22px;
  padding: 26px;
  box-shadow: 0 16px 42px rgba(0,0,0,.16);
}
.visual-card .label { color: var(--copper-dark); font-size: .78rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.visual-card h3 { margin-top: 8px; font-size: 1.45rem; }
.visual-list { display: grid; gap: 12px; margin-top: 18px; }
.visual-list div { display: flex; align-items: center; gap: 10px; color: #405066; }
.dot { width: 9px; height: 9px; border-radius: 50%; background: var(--copper); flex: 0 0 auto; }

.kicker-strip { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.kicker-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.kicker-grid div { padding: 24px 28px; border-right: 1px solid var(--line); }
.kicker-grid div:last-child { border-right: 0; }
.kicker-grid strong { display: block; color: var(--navy); font-size: 1rem; }
.kicker-grid span { display: block; color: var(--muted); font-size: .86rem; margin-top: 5px; }

.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 70px; align-items: start; }
.three-col { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.four-col { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.card {
  border: 1px solid rgba(15,39,71,.10);
  border-radius: var(--radius);
  padding: 28px;
  background: var(--white);
  box-shadow: 0 8px 28px rgba(15,39,71,.05);
}
.card .num { width: 42px; height: 42px; border-radius: 12px; display: inline-flex; align-items: center; justify-content: center; background: var(--ivory); color: var(--copper-dark); font-weight: 900; margin-bottom: 22px; }
.card p { color: var(--muted); margin-top: 10px; }
.card.feature { border-top: 4px solid var(--copper); }

.split-band { display: grid; grid-template-columns: 1fr 1fr; border-radius: 30px; overflow: hidden; box-shadow: var(--shadow); }
.split-band > div { padding: 50px; }
.split-band .employee-side { background: var(--ivory); }
.split-band .employer-side { background: var(--navy); color: var(--white); }
.split-band .employer-side h3 { color: var(--white); }
.split-band ul { list-style: none; padding: 0; margin: 24px 0 0; display: grid; gap: 13px; }
.split-band li { display: flex; gap: 10px; }
.split-band li:before { content: "→"; color: var(--copper); font-weight: 900; }

.stat-grid { display: grid; grid-template-columns: repeat(4, 1fr); margin-top: 34px; border: 1px solid rgba(255,255,255,.18); border-radius: 22px; overflow: hidden; }
.stat { padding: 28px; border-right: 1px solid rgba(255,255,255,.18); }
.stat:last-child { border-right: 0; }
.stat strong { font-size: 2rem; display: block; }
.stat span { color: #C6D2E2; font-size: .78rem; text-transform: uppercase; letter-spacing: .08em; font-weight: 700; }

.page-hero { padding: 82px 0 66px; background: linear-gradient(180deg, var(--ivory) 0%, #fff 100%); }
.page-hero h1 { font-size: clamp(2.8rem, 6vw, 5.2rem); max-width: 920px; }
.page-hero .lede { margin-top: 22px; }

.step-list { display: grid; gap: 0; margin-top: 34px; border-top: 1px solid var(--line); }
.step-row { display: grid; grid-template-columns: 86px 1fr 1.15fr; gap: 28px; padding: 28px 0; border-bottom: 1px solid var(--line); align-items: start; }
.step-row .step-no { color: var(--copper); font-weight: 900; letter-spacing: .06em; }
.step-row p { color: var(--muted); }

.check-list { list-style: none; padding: 0; margin: 24px 0 0; display: grid; gap: 12px; }
.check-list li { position: relative; padding-left: 30px; }
.check-list li:before { content: "✓"; position: absolute; left: 0; top: 0; color: var(--success); font-weight: 900; }

.boundary-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.boundary-box { padding: 30px; border-radius: var(--radius); }
.boundary-box.do { background: var(--ivory); }
.boundary-box.dont { background: #F6F7F9; border: 1px solid var(--line); }
.boundary-box ul { padding-left: 20px; color: var(--muted); }
.boundary-box li + li { margin-top: 10px; }

.timeline { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; margin-top: 34px; }
.timeline .phase { padding: 24px; background: var(--white); border: 1px solid var(--line); border-radius: 18px; }
.timeline .phase span { color: var(--copper-dark); font-weight: 900; font-size: .8rem; letter-spacing: .08em; text-transform: uppercase; }
.timeline .phase h3 { margin-top: 8px; }
.timeline .phase p { margin-top: 8px; color: var(--muted); font-size: .93rem; }

.quote-band { border-left: 5px solid var(--copper); padding: 20px 0 20px 28px; }
.quote-band p { color: var(--navy); font-size: clamp(1.5rem, 3vw, 2.3rem); font-weight: 700; line-height: 1.3; max-width: 880px; }

.form-wrap { display: grid; grid-template-columns: .8fr 1.2fr; gap: 60px; align-items: start; }
.contact-card { background: var(--navy); color: var(--white); border-radius: var(--radius); padding: 34px; }
.contact-card h3 { color: var(--white); }
.contact-card p { margin-top: 10px; color: #D7E0EC; }
.contact-card a { color: #F0B18F; font-weight: 800; }
.form { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { display: grid; gap: 7px; }
.field.full { grid-column: 1 / -1; }
.field label { color: var(--navy); font-weight: 800; font-size: .88rem; }
.field input, .field select, .field textarea {
  width: 100%;
  border: 1px solid #CCD3DB;
  border-radius: 12px;
  padding: 13px 14px;
  color: var(--ink);
  background: var(--white);
  outline: none;
}
.field textarea { min-height: 150px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--copper); box-shadow: 0 0 0 3px rgba(197,106,61,.12); }
.form-note { grid-column: 1 / -1; color: var(--muted); font-size: .82rem; }

.cta-band { border-radius: 30px; padding: 54px; display: flex; align-items: center; justify-content: space-between; gap: 30px; background: var(--navy); color: var(--white); }
.cta-band h2 { color: var(--white); max-width: 680px; }
.cta-band p { margin-top: 12px; color: #CCD8E6; max-width: 700px; }

.footer { background: #0B1E37; color: #C8D2DF; padding: 46px 0 30px; }
.footer-grid { display: grid; grid-template-columns: 1.3fr .7fr .7fr; gap: 40px; }
.footer h4 { color: var(--white); font-size: .94rem; margin-bottom: 12px; }
.footer a { display: block; margin: 7px 0; font-size: .9rem; }
.footer a:hover { color: #F0B18F; }
.footer-brand { max-width: 340px; }
.footer-brand strong { display: block; color: var(--white); font-size: 1.25rem; }
.footer-brand p { margin-top: 10px; font-size: .92rem; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); margin-top: 34px; padding-top: 20px; font-size: .82rem; display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; }

.notice { padding: 14px 16px; border-radius: 12px; background: #FFF4EC; color: #7D3F22; border: 1px solid #F2D1BF; font-size: .9rem; }

@media (max-width: 980px) {
  .nav, .header .btn-primary { display: none; }
  .mobile-menu-btn { display: block; }
  .mobile-panel { display: none; border-top: 1px solid var(--line); background: var(--white); }
  .mobile-panel.open { display: block; }
  .mobile-panel .container { padding: 16px 0 24px; }
  .mobile-panel a { display: block; padding: 12px 0; border-bottom: 1px solid #EEF0F3; font-weight: 750; color: var(--navy); }
  .mobile-panel .indent { padding-left: 18px; color: #526174; font-weight: 650; }
  .hero-grid, .two-col, .form-wrap { grid-template-columns: 1fr; }
  .hero-visual { min-height: 380px; }
  .three-col { grid-template-columns: 1fr 1fr; }
  .four-col, .timeline { grid-template-columns: 1fr 1fr; }
  .kicker-grid { grid-template-columns: 1fr 1fr; }
  .kicker-grid div:nth-child(2) { border-right: 0; }
  .kicker-grid div:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
  .split-band { grid-template-columns: 1fr; }
  .stat-grid { grid-template-columns: 1fr 1fr; }
  .stat:nth-child(2) { border-right: 0; }
  .stat:nth-child(-n+2) { border-bottom: 1px solid rgba(255,255,255,.18); }
  .step-row { grid-template-columns: 60px 1fr; }
  .step-row p { grid-column: 2; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
}

@media (max-width: 640px) {
  .container { width: min(var(--max), calc(100% - 28px)); }
  .header-inner { height: 68px; }
  .brand { min-width: 0; }
  .brand-mark { width: 40px; height: 36px; }
  .brand-copy strong { font-size: 1.35rem; }
  .brand-copy span { font-size: .49rem; letter-spacing: .12em; }
  .hero { padding: 62px 0 52px; }
  .section { padding: 66px 0; }
  .page-hero { padding: 62px 0 50px; }
  .hero-visual { min-height: 330px; padding: 22px; }
  .hero-visual:before { top: 74px; right: -150px; }
  .hero-visual:after { top: 190px; right: -170px; }
  .visual-card { padding: 20px; }
  .three-col, .four-col, .timeline, .boundary-grid, .form { grid-template-columns: 1fr; }
  .field.full { grid-column: auto; }
  .kicker-grid { grid-template-columns: 1fr; }
  .kicker-grid div { border-right: 0; border-bottom: 1px solid var(--line); }
  .kicker-grid div:last-child { border-bottom: 0; }
  .split-band > div { padding: 34px 26px; }
  .stat-grid { grid-template-columns: 1fr; }
  .stat { border-right: 0; border-bottom: 1px solid rgba(255,255,255,.18); }
  .stat:last-child { border-bottom: 0; }
  .step-row { grid-template-columns: 1fr; gap: 8px; }
  .step-row p { grid-column: auto; }
  .cta-band { padding: 36px 26px; flex-direction: column; align-items: flex-start; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-brand { grid-column: auto; }
}