:root{
  --ink:#10252E; --petrol:#0E4A55; --petrol-dark:#0A3640; --paper:#F2F5F4; --mist:#DCE6E6;
  --brass:#B7862F; --white:#fff; --muted:#4A5D65;
  --serif:"Iowan Old Style","Palatino Linotype",Palatino,Georgia,serif;
  --sans:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:5rem}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:1.0625rem;line-height:1.6}
a{color:var(--petrol)}
a:focus-visible,button:focus-visible{outline:3px solid var(--brass);outline-offset:3px}
.wrap{max-width:68rem;margin:0 auto;padding:0 1.5rem}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.15;margin:0 0 .6em;letter-spacing:-.01em}
h1{font-size:clamp(2.2rem,5vw,3.6rem)}
h2{font-size:clamp(1.7rem,3.2vw,2.3rem)}
h3{font-size:1.25rem}
p{margin:0 0 1em;max-width:62ch}

header.site{position:sticky;top:0;z-index:10;background:rgba(242,245,244,.94);backdrop-filter:blur(6px);border-bottom:1px solid var(--mist)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:4rem;flex-wrap:wrap}
.logo{font-family:var(--serif);font-size:1.5rem;font-weight:700;color:var(--petrol);text-decoration:none;letter-spacing:-.02em}
.logo span{color:var(--brass)}
nav a{margin-left:1.4rem;text-decoration:none;color:var(--ink);font-size:.98rem}
nav a:hover{color:var(--petrol);text-decoration:underline}
.btn{display:inline-block;background:var(--petrol);color:var(--white);padding:.85rem 1.5rem;border-radius:.35rem;text-decoration:none;font-weight:600}
.btn:hover{background:var(--petrol-dark)}
.btn.ghost{background:transparent;color:var(--petrol);border:2px solid var(--petrol)}
.btn.ghost:hover{background:var(--petrol);color:var(--white)}

.hero{padding:4rem 0 5rem}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:3.5rem;align-items:center}
.hero p.lead{font-size:1.2rem;color:var(--muted)}
.hero .actions{display:flex;gap:1rem;flex-wrap:wrap;margin-top:1.6rem}

.chat{background:var(--white);border:1px solid var(--mist);border-radius:1rem;padding:1.1rem 1.1rem 1.3rem;box-shadow:0 18px 40px -22px rgba(14,74,85,.45)}
.chat-head{display:flex;justify-content:space-between;font-size:.82rem;color:var(--muted);border-bottom:1px solid var(--mist);padding-bottom:.7rem;margin-bottom:1rem}
.msg{max-width:88%;padding:.7rem .95rem;border-radius:.9rem;margin:0 0 .7rem;font-size:.97rem;line-height:1.45}
.msg small{display:block;font-size:.75rem;opacity:.7;margin-bottom:.15rem}
.msg.guest{background:var(--mist);border-bottom-left-radius:.2rem}
.msg.agent{background:var(--petrol);color:var(--white);margin-left:auto;border-bottom-right-radius:.2rem}
.chat-foot{font-size:.78rem;color:var(--muted);margin:.4rem 0 0}
.js .msg{opacity:0;transform:translateY(8px)}
.js .msg.in{opacity:1;transform:none;transition:opacity .5s,transform .5s}
@media (prefers-reduced-motion:reduce){.js .msg{opacity:1;transform:none}.js .msg.in{transition:none}}

section.block{padding:4.5rem 0;border-top:1px solid var(--mist)}
section.block.tint{background:var(--white)}
.two{display:grid;grid-template-columns:.8fr 1.2fr;gap:3.5rem}
dl.facts{margin:0}
dl.facts div{padding:1.1rem 0;border-bottom:1px solid var(--mist)}
dl.facts div:first-child{padding-top:0}
dl.facts dt{font-family:var(--serif);font-weight:600;font-size:1.2rem;margin-bottom:.25rem}
dl.facts dd{margin:0;color:var(--muted)}
ol.steps{list-style:none;margin:0;padding:0;counter-reset:s;border-left:3px solid var(--brass)}
ol.steps li{counter-increment:s;padding:0 0 1.8rem 1.8rem;position:relative}
ol.steps li:last-child{padding-bottom:0}
ol.steps li::before{content:counter(s);position:absolute;left:-1.05rem;top:0;width:1.7rem;height:1.7rem;border-radius:50%;background:var(--petrol);color:#fff;font-size:.9rem;font-weight:700;display:grid;place-items:center}
ol.steps h3{margin-bottom:.2rem}
ol.steps p{margin:0;color:var(--muted)}
.note{border-left:4px solid var(--brass);padding:.2rem 0 .2rem 1.1rem;color:var(--muted)}
.contact-box{background:var(--petrol);color:var(--white);border-radius:1rem;padding:3rem}
.contact-box a{color:var(--white)}
.contact-box .btn{background:var(--white);color:var(--petrol)}
.contact-box .btn:hover{background:var(--mist)}
.contact-box p{color:#DCEBEC}

footer.site{padding:2.5rem 0;border-top:1px solid var(--mist);font-size:.92rem;color:var(--muted)}
footer.site .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:1rem}
footer.site a{color:var(--muted);margin-left:1.2rem}

.legal{padding:3.5rem 0 5rem}
.legal h1{font-size:2.2rem}
.legal h2{font-size:1.4rem;margin-top:2rem}
.legal p,.legal li{max-width:70ch}

@media (max-width:52rem){
  .hero .wrap,.two{grid-template-columns:1fr;gap:2.2rem}
  .hero{padding:2.5rem 0 3rem}
  nav a{margin:0 1rem 0 0}
  .contact-box{padding:2rem 1.4rem}
  section.block{padding:3rem 0}
}