:root{
  /* Core */
  --bg:#ffffff;
  --card:#ffffff;
  --soft:#fafafa;

  /* Text */
  --text:#0f172a;          /* rich ink black */
  --muted:#475569;         /* slate gray */

  /* Lines / dividers */
  --line:#e2e8f0;

  /* Brand */
  --accent:#0b0f14;        /* near-black */
  --gold:#bfa14a;          /* muted legal gold */
  --gold-soft:#f5f0df;     /* soft gold background */

  /* UI */
  --shadow: 0 12px 30px rgba(15,23,42,.08);
}

*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{
  background:var(--bg);
  color:var(--text);
  font-family: ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial, "Apple Color Emoji","Segoe UI Emoji";
  line-height:1.6;
}

a{color:inherit;text-decoration:none}
a:hover{color:var(--accent2)}
.container{max-width:1100px;margin:0 auto;padding:0 18px}

.topbar{
  background:var(--soft);
  border-bottom:1px solid var(--line);
  font-size:13px;
}
.topbar-inner{
  display:flex;
  justify-content:space-between;
  gap:12px;
  padding:10px 0;
}
.topbar-muted{color:var(--muted)}

.header{
  position:sticky;
  top:0;
  z-index:50;
  background:rgba(255,255,255,.92);
  backdrop-filter: blur(10px);
  border-bottom:1px solid var(--line);
}
.header-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:18px;
  padding:14px 0;
}

.brand{display:flex;align-items:center;gap:12px}
.brand-mark{
  width:42px;height:42px;
  border:1px solid var(--line);
  border-radius:12px;
  display:grid;place-items:center;
  font-weight:800;
  letter-spacing:.08em;
  color:var(--accent);
  background:#fff;
}
.brand-text{display:flex;flex-direction:column;line-height:1.1}
.brand-name{font-weight:800;letter-spacing:.01em}
.brand-tag{font-size:12px;color:var(--muted);margin-top:3px}

.nav{display:flex;align-items:center;gap:16px;font-size:14px}
.nav a{color:var(--muted)}
.nav a:hover{color:var(--text)}
.nav-cta{
  padding:10px 12px;
  border:1px solid var(--line);
  border-radius:12px;
  color:var(--text) !important;
  background:#fff;
  font-weight:700;
}
.nav-cta:hover{border-color:#cbd5e1}

.mobile-cta{
  display:none;
  padding:10px 12px;
  border-radius:12px;
  background:var(--accent);
  color:#fff;
  font-weight:800;
  font-size:13px;
}

.hero{
  border-bottom:1px solid var(--line);
  background:linear-gradient(180deg, #ffffff 0%, #ffffff 55%, #f8fafc 100%);
}
.hero-inner{
  display:grid;
  grid-template-columns: 1.5fr .9fr;
  gap:18px;
  padding:48px 0;
}

.kicker{
  margin:0 0 10px;
  font-size:12px;
  letter-spacing:.12em;
  text-transform:uppercase;
  color:var(--muted);
}
h1{
  margin:0 0 12px;
  font-size:42px;
  line-height:1.12;
  letter-spacing:-.02em;
}
.subhead{
  margin:0 0 14px;
  color:var(--muted);
  font-size:18px;
  max-width:820px;
}
.body{
  margin:0 0 22px;
  color:var(--muted);
  max-width:860px;
}

.actions{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:14px}
.button{
  display:inline-block;
  padding:12px 16px;
  border-radius:14px;
  border:1px solid var(--line);
  font-weight:800;
  font-size:13px;
}
.button.primary{
  background:var(--accent);
  color:#fff;
  border-color:var(--accent);
}
.button.primary:hover{background:#0b1220}
.button.secondary{
  background:#fff;
  color:var(--text);
}
.button.secondary:hover{border-color:#cbd5e1}
/* Primary CTA – Gold */
.button.primary{
  background: linear-gradient(180deg, #c9ad5a 0%, #bfa14a 100%);
  color:#0b0f14;
  border:1px solid #bfa14a;
}

.button.primary:hover{
  background: linear-gradient(180deg, #d6bb6a 0%, #c9ad5a 100%);
  border-color:#c9ad5a;
}

/* Secondary buttons stay neutral */
.button.secondary{
  background:#fff;
  color:var(--accent);
  border:1px solid var(--line);
}

.button.secondary:hover{
  border-color:var(--gold);
}
.trustline{
  color:var(--muted);
  font-size:13px;
  display:flex;
  gap:8px;
  flex-wrap:wrap;
  align-items:center;
}

.hero-panel{
  background:var(--card);
  border:1px solid var(--line);
  border-radius:18px;
  padding:18px;
  box-shadow: var(--shadow);
  align-self:start;
}
.panel-title{
  margin:0 0 10px;
  font-size:14px;
  letter-spacing:.10em;
  text-transform:uppercase;
  color:var(--muted);
}
.panel-list{margin:0 0 14px;padding-left:18px;color:var(--muted)}
.panel-list li{margin:8px 0}
.panel-cta{
  display:inline-block;
  width:100%;
  text-align:center;
  padding:12px 14px;
  border-radius:14px;
  background:var(--accent2);
  color:#fff;
  font-weight:900;
  border:1px solid var(--accent2);
}
.panel-cta:hover{background:#1d4ed8}
.panel-note{margin:10px 0 0;color:var(--muted);font-size:12px}

.section{padding:46px 0}
.section.soft{background:var(--soft); border-top:1px solid var(--line); border-bottom:1px solid var(--line)}
.section-head{
  max-width:860px;
  margin-bottom:18px;
}
h2{
  margin:0 0 8px;
  font-size:24px;
  letter-spacing:-.01em;
}
.section-head p{margin:0;color:var(--muted)}

.grid{display:grid;gap:14px}
.grid.two{grid-template-columns:repeat(2,minmax(0,1fr))}
.grid.three{grid-template-columns:repeat(3,minmax(0,1fr))}

.card{
  background:var(--card);
  border:1px solid var(--line);
  border-radius:18px;
  padding:18px;
  box-shadow: 0 1px 0 rgba(0,0,0,.02);
}
.card h3{
  margin:0 0 10px;
  font-size:14px;
  letter-spacing:.10em;
  text-transform:uppercase;
  color:var(--text);
}
.card p{margin:0;color:var(--muted)}
.card ul{margin:10px 0 0;padding-left:18px;color:var(--muted)}
.card li{margin:7px 0}

.steps{display:flex;flex-direction:column;gap:12px}
.step{
  display:flex;gap:14px;align-items:flex-start;
  background:var(--card);
  border:1px solid var(--line);
  border-radius:18px;
  padding:16px;
}
.step-num{
  width:34px;height:34px;
  border-radius:12px;
  display:grid;place-items:center;
  background:var(--soft);
  border:1px solid var(--line);
  font-weight:900;
}
.step-body h3{
  margin:0 0 6px;
  font-size:14px;
  letter-spacing:.08em;
  text-transform:uppercase;
}
.step-body p{margin:0;color:var(--muted)}

.notice{
  background:#fff;
  border:1px solid var(--line);
  border-radius:18px;
  padding:18px;
  box-shadow: var(--shadow);
  color:var(--muted);
}
.notice p{margin:0 0 10px}
.notice p:last-child{margin-bottom:0}

.cta-row{margin-top:18px}

.footer{
  border-top:1px solid var(--line);
  padding:26px 0 34px;
  background:#fff;
}
.footer-inner{
  display:grid;
  grid-template-columns: 1fr 1fr;
  gap:16px;
  align-items:start;
}
.footer-brand{font-weight:900;letter-spacing:.02em}
.footer-sub{color:var(--muted);font-size:13px;margin-top:6px}
.footer-jurisdiction{
  margin-top:12px;
  color:var(--muted);
  font-size:13px;
  max-width:520px;
}
.footer-right{
  display:flex;
  flex-direction:column;
  gap:10px;
  align-items:flex-end;
  text-align:right;
}
.footer-right a{color:var(--muted);font-weight:700}
.footer-right a:hover{color:var(--accent2)}
.footer-disclaimer{
  margin:0;
  color:var(--muted);
  font-size:12px;
  max-width:520px;
}

@media (max-width: 980px){
  .nav{display:none}
  .mobile-cta{display:inline-block}
  h1{font-size:34px}
  .hero-inner{grid-template-columns:1fr; padding:36px 0}
  .grid.two, .grid.three{grid-template-columns:1fr}
  .footer-inner{grid-template-columns:1fr}
  .footer-right{align-items:flex-start;text-align:left}
}
/* Header polish */
.header{
  border-bottom:1px solid var(--line);
  background:rgba(255,255,255,.94);
}

/* Brand mark – gold outline */
.brand-mark{
  border:1px solid var(--gold);
  color:var(--gold);
  font-weight:900;
}

/* Navigation CTA */
.nav-cta{
  border:1px solid var(--gold);
  color:var(--accent);
}

.nav-cta:hover{
  background:var(--gold-soft);
}
/* Hero depth */
.hero{
  background:
    linear-gradient(180deg, #ffffff 0%, #fafafa 70%),
    radial-gradient(900px 300px at 10% 10%, rgba(191,161,74,.08), transparent 60%);
}

.kicker{
  color:var(--gold);
  font-weight:700;
}
/* Cards */
.card{
  border:1px solid var(--line);
  box-shadow: var(--shadow);
}

.card h3{
  color:var(--accent);
}

/* Hero summary panel */
.hero-panel{
  border:1px solid var(--gold);
  background: linear-gradient(180deg, #ffffff 0%, #fbf9f2 100%);
}

/* Section headers */
h2{
  position:relative;
}

h2::after{
  content:"";
  display:block;
  width:42px;
  height:2px;
  background:var(--gold);
  margin-top:8px;
}
/* Footer */
.footer{
  background:#0b0f14;
  color:#e5e7eb;
}

.footer-brand{
  color:var(--gold);
}

.footer-sub,
.footer-jurisdiction,
.footer-disclaimer{
  color:#cbd5e1;
}

.footer-right a{
  color:var(--gold);
}

.footer-right a:hover{
  text-decoration:underline;
}
h1{
  color:#0b0f14;
}
.section-head{
  border-bottom:1px solid var(--gold);
  padding-bottom:12px;
  margin-bottom:22px;
}
.hero-panel{
  box-shadow: 0 16px 40px rgba(15,23,42,.12);
}