:root {
  --ink: #122033;
  --ink-soft: #5b6573;
  --paper: #fffcf7;
  --paper-2: #f3eee6;
  --accent: #0a2744;
  --accent-mid: #163a5f;
  --accent-dark: #061828;
  --brass: #9a7b45;
  --brass-soft: #efe4cf;
  --line: #ddd4c6;
  --white: #ffffff;
  --danger: #8f1d1d;
  --ok: #1d4d32;
  --shadow: 0 18px 40px rgba(10, 39, 68, 0.08);
  --display: "Fraunces", "Times New Roman", Georgia, serif;
  --sans: "Sora", "Segoe UI", sans-serif;
  --wrap: 1480px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 1.02rem;
  line-height: 1.65;
}
body.nav-open { overflow: hidden; }
img { max-width: 100%; height: auto; }
a { color: var(--accent-mid); text-underline-offset: 0.18em; }
a:hover { color: var(--accent); }
h1, h2, h3, h4 {
  font-family: var(--display);
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--ink);
  font-weight: 560;
}
h1 { font-size: clamp(2.15rem, 5vw, 3.55rem); margin: 0 0 0.45em; }
h2 { font-size: clamp(1.45rem, 2.8vw, 2.05rem); margin: 0 0 0.45em; }
h3 { font-size: 1.12rem; }

.wrap { width: min(var(--wrap), calc(100% - 3.2rem)); margin-inline: auto; }
.skip { position: absolute; left: -999px; }
.skip:focus { left: 1rem; top: 1rem; background: var(--accent); color: #fff; padding: 0.5rem 1rem; z-index: 40; }
.visually-hidden { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); border: 0; }

.topbar {
  background: var(--accent);
  color: #f4efe6;
  font-size: 0.84rem;
  font-weight: 500;
}
.topbar a { color: #fff; text-decoration: none; font-weight: 600; }
.topbar a:hover { text-decoration: underline; }
.topbar-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  min-height: 2.35rem;
}
.topbar-inner p { margin: 0.4rem 0; }
.topbar-nav { display: flex; gap: 1.35rem; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: #fff;
  border-bottom: 1px solid var(--line);
}
.header-inner {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 2rem;
  min-height: 5.15rem;
}
.brand {
  display: flex;
  align-items: center;
  gap: 0.8rem;
  text-decoration: none;
  color: var(--ink);
  position: relative;
  z-index: 21;
}
.brand-mark-icon {
  width: 2.6rem;
  height: 2.6rem;
  display: grid;
  place-items: center;
  background: var(--accent);
  color: #f4efe6;
  font-family: var(--display);
  font-size: 1.35rem;
  font-weight: 640;
  border-radius: 5px;
}
.brand-text { display: flex; flex-direction: column; line-height: 1.15; }
.brand-mark { font-family: var(--sans); font-size: 1.18rem; font-weight: 700; letter-spacing: -0.03em; }
.brand-dot { color: var(--brass); }
.brand-tag { font-size: 0.72rem; letter-spacing: 0.08em; text-transform: uppercase; color: var(--ink-soft); font-weight: 600; margin-top: 0.2rem; }

.nav {
  display: flex;
  justify-content: center;
  align-items: stretch;
  gap: 0.25rem;
}
.nav a {
  text-decoration: none;
  color: var(--ink);
  font-size: 1.05rem;
  font-weight: 600;
  line-height: 1.2;
  white-space: nowrap;
  padding: 0.7rem 0.85rem;
  border-radius: 6px;
}
.nav a:hover {
  color: var(--accent);
  background: var(--paper-2);
}
.nav a[aria-current="page"] {
  color: var(--accent);
  background: var(--brass-soft);
  box-shadow: inset 0 -3px 0 var(--brass);
}
.nav a:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 2px;
}
.nav-cta { display: none; }

.header-actions {
  display: flex;
  align-items: center;
  gap: 0.8rem;
  position: relative;
  z-index: 21;
}
.header-search input {
  width: 11rem;
  min-height: 2.7rem;
  padding: 0.55rem 0.85rem;
  border: 1px solid var(--line);
  border-radius: 6px;
  background: var(--paper);
  font: inherit;
  font-size: 0.95rem;
  color: var(--ink);
}
.header-search input::placeholder { color: var(--ink-soft); }
.header-search input:focus { width: 14rem; background: #fff; }
.btn-header { min-height: 2.7rem; padding: 0.65rem 1.15rem; white-space: nowrap; }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--accent);
  color: #fff;
  text-decoration: none;
  border: 1px solid var(--accent);
  border-radius: 4px;
  padding: 0.72rem 1.15rem;
  font: inherit;
  font-size: 0.92rem;
  font-weight: 700;
  letter-spacing: 0.01em;
  cursor: pointer;
  transition: background 0.15s ease, transform 0.15s ease;
}
.btn:hover { background: var(--accent-dark); border-color: var(--accent-dark); color: #fff; }
.btn-ghost { background: transparent; color: var(--accent); border-color: var(--line); }
.btn-ghost:hover { background: var(--accent); color: #fff; border-color: var(--accent); }
.btn-row { display: flex; flex-wrap: wrap; gap: 0.7rem; }
.nav-toggle {
  display: none;
  width: 2.6rem;
  height: 2.6rem;
  border: 1px solid var(--line);
  background: #fff;
  border-radius: 4px;
  padding: 0;
  cursor: pointer;
}
.nav-toggle span:not(.visually-hidden),
.nav-toggle span:not(.visually-hidden)::before,
.nav-toggle span:not(.visually-hidden)::after {
  display: block;
  width: 1.1rem;
  height: 2px;
  background: var(--ink);
  margin: 0 auto;
  position: relative;
}
.nav-toggle span:not(.visually-hidden)::before,
.nav-toggle span:not(.visually-hidden)::after {
  content: "";
  position: absolute;
  left: 0;
}
.nav-toggle span:not(.visually-hidden)::before { top: -6px; }
.nav-toggle span:not(.visually-hidden)::after { top: 6px; }

.hero {
  padding: 4.6rem 0 4rem;
  background:
    linear-gradient(180deg, #fff 0%, var(--paper) 100%);
  border-bottom: 1px solid var(--line);
}
.hero-copy { max-width: 38rem; }
.kicker {
  font-family: var(--sans);
  font-size: 0.74rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--brass);
  font-weight: 700;
  margin: 0 0 0.7rem;
}
.lede { font-size: 1.12rem; max-width: 38rem; color: var(--ink-soft); }
.hero-grid { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 3rem; align-items: center; }
.hero-card {
  background: #fff;
  border: 1px solid var(--line);
  padding: 1.7rem 1.55rem;
  box-shadow: var(--shadow);
  border-top: 3px solid var(--brass);
}
.hero-note { margin: 1.15rem 0 0; font-size: 0.86rem; color: var(--ink-soft); }
.steps { display: grid; gap: 0.95rem; margin: 0; padding: 0; list-style: none; }
.steps li { display: grid; grid-template-columns: 2.4rem 1fr; gap: 0.75rem; align-items: start; }
.steps-wide { margin: 1.5rem 0; }
.num {
  font-family: var(--display);
  color: var(--accent);
  font-size: 1.15rem;
  font-weight: 640;
}

.trust-bar {
  background: #fff;
  border-bottom: 1px solid var(--line);
  padding: 1.8rem 0;
}
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.4rem; }
.trust-grid strong { display: block; font-size: 0.92rem; margin-bottom: 0.3rem; }
.trust-grid p { margin: 0; font-size: 0.88rem; color: var(--ink-soft); }

.section { padding: 4.2rem 0; }
.section-alt { background: #fff; border-block: 1px solid var(--line); }
.section-trust {
  background: var(--accent);
  color: #f4efe6;
}
.section-trust h2, .section-trust .kicker { color: #f4efe6; }
.section-trust .kicker { color: #d4b87a; }
.section-trust .lede { color: #d7d1c6; }
.section-trust .btn-ghost { color: #fff; border-color: rgba(255,255,255,0.35); }
.section-trust .btn-ghost:hover { background: #fff; color: var(--accent); }
.section-trust .checklist li::before { background: #d4b87a; }
.section-head { max-width: 40rem; margin-bottom: 1.8rem; }
.section-more { margin: 1.2rem 0 0; font-weight: 600; }

.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 1rem; }
.cards-3 { grid-template-columns: repeat(3, 1fr); }
.card {
  background: #fff;
  border: 1px solid var(--line);
  padding: 1.4rem 1.25rem 1.25rem;
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
  min-height: 100%;
  border-radius: 6px;
  transition: border-color 0.15s ease, transform 0.15s ease, box-shadow 0.15s ease;
}
.card:hover {
  border-color: var(--accent);
  transform: translateY(-3px);
  box-shadow: var(--shadow);
  color: inherit;
}
.card h3 { margin: 0 0 0.45rem; font-family: var(--display); }
.card-index {
  font-family: var(--display);
  color: var(--brass);
  font-size: 1rem;
  font-weight: 640;
  display: block;
  margin-bottom: 0.7rem;
}
.card-link {
  margin-top: auto;
  padding-top: 1rem;
  font-size: 0.86rem;
  font-weight: 700;
  color: var(--accent);
}
.card-featured {
  background: var(--accent);
  color: #f4efe6;
  border-color: var(--accent);
}
.card-featured .kicker, .card-featured .card-link { color: #d4b87a; }
.card-featured .muted { color: #d7d1c6; }
.card-featured:hover { color: #f4efe6; }
.card-soon { background: var(--paper-2); }
.muted { color: var(--ink-soft); }

.bank-list { display: flex; flex-wrap: wrap; gap: 0.55rem; }
.bank-chip {
  display: inline-flex;
  padding: 0.55rem 0.9rem;
  border: 1px solid var(--line);
  background: #fff;
  text-decoration: none;
  color: var(--ink);
  font-weight: 600;
  font-size: 0.9rem;
  border-radius: 999px;
}
.bank-chip:hover { border-color: var(--accent); color: var(--accent); background: #fff; }

.split { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 2.6rem; align-items: start; }
.checklist { margin: 0; padding: 0; list-style: none; display: grid; gap: 0.85rem; }
.checklist li { padding-left: 1.5rem; position: relative; }
.checklist li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.55rem;
  width: 0.55rem;
  height: 0.55rem;
  background: var(--brass);
}

.page-head {
  background: #fff;
  border-bottom: 1px solid var(--line);
  padding: 2rem 0 2.1rem;
}
.page-head .crumb { margin: 0 0 0.9rem; }
.page-head h1 { margin-bottom: 0.3em; }
.page-head .lede { margin-bottom: 0; }
.page-body { padding: 2.2rem 0 4.4rem; }

.crumb { font-size: 0.84rem; color: var(--ink-soft); margin: 1.5rem 0 1.1rem; }
.crumb ol { display: flex; flex-wrap: wrap; gap: 0.35rem; list-style: none; padding: 0; margin: 0; }
.crumb a { text-decoration: none; }
.crumb li:not(:last-child)::after { content: "/"; margin-left: 0.35rem; opacity: 0.45; }

.quick {
  background: var(--brass-soft);
  color: var(--ink);
  border-left: 4px solid var(--brass);
  padding: 1.15rem 1.25rem;
  margin: 0 0 1.6rem;
  border-radius: 0 6px 6px 0;
}
.quick strong {
  display: block;
  font-size: 0.72rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 0.35rem;
  color: var(--accent);
}

.layout-page { display: grid; grid-template-columns: minmax(0, 1fr) 18.5rem; gap: 2.6rem; }
.toc { position: sticky; top: 6.6rem; font-size: 0.9rem; }
.toc a { display: block; text-decoration: none; color: var(--ink-soft); padding: 0.28rem 0; }
.side-panel {
  border: 1px solid var(--line);
  padding: 1.35rem 1.25rem;
  background: #fff;
  height: fit-content;
  position: sticky;
  top: 6.6rem;
  border-radius: 6px;
  box-shadow: var(--shadow);
}
.side-panel h2 { font-family: var(--display); font-size: 1.25rem; margin-top: 0.35rem; }
.prose :where(p, ul, ol) { max-width: 42rem; }
.notice, .warn, .tip {
  padding: 1rem 1.1rem;
  border-left: 4px solid var(--accent);
  background: #fff;
  margin: 1.2rem 0;
  border-radius: 0 6px 6px 0;
}
.warn { border-color: var(--danger); background: #f8eeee; }
.tip { border-color: var(--ok); }

fieldset.form-block {
  border: 1px solid var(--line);
  border-radius: 6px;
  padding: 1.15rem 1.1rem 1.2rem;
  margin: 0 0 1.1rem;
  background: #fff;
}
fieldset.form-block legend {
  font-weight: 700;
  padding: 0 0.35rem;
}
.form { display: grid; gap: 0.9rem; max-width: 38rem; }
label { font-weight: 600; font-size: 0.92rem; display: grid; gap: 0.35rem; }
input, select, textarea {
  width: 100%;
  padding: 0.75rem 0.85rem;
  border: 1px solid var(--line);
  border-radius: 4px;
  background: #fff;
  font: inherit;
  color: var(--ink);
}
input[type="checkbox"], input[type="radio"], input[type="file"] { width: auto; }
input:focus, select:focus, textarea:focus {
  outline: 2px solid var(--accent);
  outline-offset: 1px;
  border-color: var(--accent);
}
.check { display: flex; gap: 0.55rem; align-items: flex-start; font-weight: 400; }
.check input { margin-top: 0.3rem; }
.help { font-size: 0.86rem; color: var(--ink-soft); }
.result {
  background: #fff;
  border: 1px solid var(--line);
  border-top: 3px solid var(--brass);
  padding: 1.3rem 1.25rem;
  margin: 0 0 1.4rem;
  border-radius: 6px;
  box-shadow: var(--shadow);
}
.flash-ok { background: #e7f3eb; padding: 0.8rem 1rem; border-radius: 4px; }
.flash-error { background: #f8eeee; padding: 0.8rem 1rem; border-radius: 4px; }

.site-footer {
  background: var(--accent-dark);
  color: #d7d1c6;
  padding: 3.2rem 0 1.6rem;
  font-size: 0.9rem;
}
.site-footer .brand-mark { color: #fff; margin: 0 0 0.7rem; }
.site-footer .brand-dot { color: #d4b87a; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 2rem; }
.footer-title {
  font-size: 0.72rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 700;
  color: #fff;
  margin: 0 0 0.8rem;
}
.site-footer a { color: #d7d1c6; text-decoration: none; }
.site-footer a:hover { color: #fff; }
.site-footer p { margin: 0 0 0.45rem; }
.legal-mini { margin-top: 2rem; color: #9aa3af; border-top: 1px solid rgba(255,255,255,0.1); padding-top: 1.1rem; }

.search-form { display: flex; gap: 0.5rem; }
.search-form input { flex: 1; }

.cookie {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: #fff;
  border-top: 1px solid var(--line);
  padding: 1rem 0;
  display: none;
  z-index: 30;
  box-shadow: 0 -10px 30px rgba(10, 39, 68, 0.08);
}
.cookie.is-on { display: block; }
.cookie-inner {
  width: min(var(--wrap), calc(100% - 3.2rem));
  margin-inline: auto;
  display: flex;
  gap: 1.2rem;
  align-items: center;
  justify-content: space-between;
}
.cookie-inner p { margin: 0; max-width: 42rem; }
.cookie-actions { display: flex; gap: 0.55rem; flex-shrink: 0; }

@media (max-width: 1180px) {
  .header-search { display: none; }
  .header-inner { gap: 1.2rem; }
  .nav a { font-size: 1.02rem; padding: 0.65rem 0.62rem; }
}
@media (max-width: 980px) {
  .cards-3 { grid-template-columns: 1fr 1fr; }
  .brand-tag { display: none; }
  .nav a { font-size: 0.98rem; padding: 0.6rem 0.5rem; }
}
@media (max-width: 840px) {
  .hero-grid, .layout-page, .footer-grid, .trust-grid, .split, .cards-3 { grid-template-columns: 1fr; }
  .toc, .side-panel { position: static; }
  .topbar-inner { flex-direction: column; align-items: flex-start; padding: 0.45rem 0; }
  .header-inner {
    grid-template-columns: 1fr auto;
    min-height: 4.4rem;
    gap: 0.8rem;
  }
  .nav {
    display: none;
    position: fixed;
    inset: 0;
    width: 100%;
    max-width: none;
    background: #fff;
    padding: 5.6rem 1.25rem 2.5rem;
    flex-direction: column;
    align-items: stretch;
    justify-content: flex-start;
    gap: 0.45rem;
    z-index: 15;
    overflow: auto;
  }
  .nav.is-open { display: flex; }
  body.nav-open .topbar { display: none; }
  .nav a {
    font-size: 1.35rem;
    padding: 0.9rem 1rem;
    border-radius: 8px;
    width: 100%;
  }
  .nav a[aria-current="page"] { box-shadow: inset 4px 0 0 var(--brass); }
  .nav-cta {
    display: flex;
    margin-top: 0.6rem;
    background: var(--accent);
    color: #fff;
    justify-content: center;
  }
  .nav-cta:hover { color: #fff; background: var(--accent-dark); }
  .btn-header { display: none; }
  .nav-toggle { display: inline-flex; align-items: center; justify-content: center; }
  .cookie-inner { flex-direction: column; align-items: stretch; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .card, .btn, .header-search input { transition: none; }
}