:root{--body:"Source Sans 3",Verdana,"Segoe UI",sans-serif;--display:"Zilla Slab",Rockwell,"Roboto Slab",Georgia,serif;--glass-pale:#F1F7FA;--glass:#DCEBF2;--ink:#1B2A33;--navy-deep:#0C2236;--navy:#12304A;--rule:#C3D6E0;--seaoat-dark:#8A6516;--seaoat:#C79A3B;--white:#fff;--wrap:960px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--body);color:var(--ink);background:var(--white);line-height:1.6;font-size:17px}
a{color:var(--navy)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
header.top{border-bottom:1px solid var(--rule);background:var(--white)}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 20px}
header.top img{height:46px;width:auto}
header.top nav a{margin-left:18px;text-decoration:none;font-weight:600;color:var(--navy)}
header.top nav a.cta{background:var(--navy);color:#fff;padding:9px 16px;border-radius:6px}
h1,h2,h3{font-family:var(--display);color:var(--navy-deep);line-height:1.2;margin:0 0 .5em}
h1{font-size:2.3rem}h2{font-size:1.7rem;margin-top:1.6em}h3{font-size:1.2rem;margin-top:1.3em}
.hero{background:linear-gradient(180deg,var(--glass-pale),#fff);padding:56px 0 40px}
.hero p.lead{font-size:1.2rem;max-width:720px}
.btn{display:inline-block;background:var(--seaoat);color:var(--navy-deep);font-weight:700;padding:13px 22px;border-radius:6px;text-decoration:none;border:0;font-size:1.05rem;cursor:pointer;font-family:var(--body)}
.btn.secondary{background:var(--glass);color:var(--navy-deep)}
.btn:disabled{opacity:.5;cursor:not-allowed}
section{padding:36px 0}
.grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
@media(max-width:640px){.grid{grid-template-columns:1fr}}
.card{background:var(--glass-pale);border:1px solid var(--rule);border-radius:10px;padding:22px}
.card h3{margin-top:0}
.muted{color:#4b5d68;font-size:.95rem}
ol.steps{counter-reset:s;list-style:none;padding:0;margin:0}
ol.steps li{position:relative;padding-left:52px;margin:0 0 18px}
ol.steps li::before{counter-increment:s;content:counter(s);position:absolute;left:0;top:0;width:36px;height:36px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center;font-family:var(--display)}
form .field{margin:0 0 18px}
form label{display:block;font-weight:600;margin-bottom:6px}
form input[type=text],form input[type=email],form input[type=tel],form input[type=date],form input[type=number],form select,form textarea{width:100%;padding:11px 12px;border:1px solid #9fb3bf;border-radius:6px;font:inherit;background:#fff}
form textarea{min-height:90px}
form input[type=file]{display:block;margin-top:4px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:640px){.two{grid-template-columns:1fr}h1{font-size:1.8rem}}
fieldset{border:1px solid var(--rule);border-radius:10px;padding:18px 20px;margin:0 0 26px}
legend{font-family:var(--display);font-weight:700;color:var(--navy-deep);padding:0 8px;font-size:1.15rem}
.checks{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:6px 14px}
.checks label,.inline label{font-weight:400;display:flex;gap:8px;align-items:flex-start}
.checks input,.inline input{margin-top:5px}
.agree-box{max-height:260px;overflow:auto;background:#fff;border:1px solid var(--rule);border-radius:8px;padding:14px 16px;font-size:.93rem;margin:10px 0}
.agree-box h3{font-size:1rem;margin:.9em 0 .3em}
.agree-box p{margin:.4em 0}
.sig{display:grid;grid-template-columns:2fr 1fr;gap:16px}
@media(max-width:640px){.sig{grid-template-columns:1fr}}
.note{background:#FFF7E6;border-left:4px solid var(--seaoat);padding:12px 16px;border-radius:6px;font-size:.95rem}
footer{border-top:1px solid var(--rule);padding:28px 0;font-size:.9rem;color:#4b5d68;margin-top:40px}
footer a{margin-right:14px}
.legal h2{font-size:1.3rem;margin-top:1.8em}
.legal p,.legal li{font-size:1rem}
.req::after{content:" *";color:#b00020}