:root {
  --ink:#17213a;
  --muted:#596375;
  --paper:#f7f9fc;
  --white:#fff;
  --blue:#174ea6;
  --blue-dark:#0f397c;
  --blue-soft:#eaf2ff;
  --red:#9a2f2f;
  --line:#d9e0ea;
  --shadow:0 18px 50px rgba(23,33,58,.09);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;color:var(--ink);background:var(--paper);font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;font-size:16px;line-height:1.65}
a{color:inherit}
.site-header{position:sticky;top:0;z-index:10;display:flex;align-items:center;justify-content:space-between;gap:2rem;padding:1rem clamp(1.25rem,4vw,4rem);background:rgba(247,249,252,.94);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}
.brand{display:flex;align-items:center;gap:.7rem;text-decoration:none;font-weight:800;letter-spacing:-.02em}
.brand-mark{display:grid;place-items:center;width:2rem;height:2rem;color:#fff;background:var(--blue);border-radius:.45rem;font-size:.75rem;letter-spacing:.08em}
nav{display:flex;gap:1.35rem}nav a{text-decoration:none;color:var(--muted);font-size:.9rem;font-weight:650}nav a:hover,nav a:focus{color:var(--blue)}
main{overflow:hidden}
.hero,.section{width:min(1180px,calc(100% - 2.5rem));margin:0 auto}
.hero{min-height:680px;display:grid;grid-template-columns:1.45fr .8fr;gap:clamp(2rem,7vw,7rem);align-items:center;padding:6.5rem 0 5rem}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.76rem;font-weight:800;color:var(--blue);margin:0 0 .75rem}
h1,h2,h3,h4{font-family:Georgia,"Times New Roman",serif;line-height:1.12;margin-top:0}
h1{font-size:clamp(3rem,6.2vw,6.4rem);letter-spacing:-.055em;max-width:900px;margin-bottom:1.5rem}
h2{font-size:clamp(2.2rem,4.2vw,4rem);letter-spacing:-.04em;margin-bottom:1.25rem}
h3{font-size:1.35rem}h4{font-size:1.2rem;margin-top:2rem}
.lede{font-size:clamp(1.15rem,2vw,1.45rem);max-width:780px;color:var(--muted)}
.hero-actions,.copy-actions{display:flex;align-items:center;gap:.8rem;flex-wrap:wrap;margin:2rem 0 1rem}
.button{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:.75rem 1.15rem;border:1px solid var(--blue);border-radius:.35rem;text-decoration:none;font:inherit;font-weight:750;cursor:pointer}
.button.primary{background:var(--blue);color:#fff}.button.primary:hover,.button.primary:focus{background:var(--blue-dark)}
.button.secondary{background:transparent;color:var(--blue)}.button.secondary:hover,.button.secondary:focus{background:var(--blue-soft)}
.micro{font-size:.82rem;color:var(--muted);max-width:800px}
.fact-card{background:var(--ink);color:#fff;padding:2rem;border-radius:.7rem;box-shadow:var(--shadow);transform:rotate(1.5deg)}
.fact-label{text-transform:uppercase;letter-spacing:.14em;font-size:.72rem;color:#aecaef}.fact-big{font-family:Georgia,serif;font-size:2.35rem;line-height:1.1;margin:.5rem 0 1.5rem}.fact-card ul{padding-left:1.25rem;margin:0}.fact-card li{margin:.75rem 0}
.section{padding:5.5rem 0;border-top:1px solid var(--line)}
.split{display:grid;grid-template-columns:.9fr 1.1fr;gap:clamp(2rem,7vw,7rem)}
.prose{font-size:1.1rem}.prose p:first-child{margin-top:0}
.callout{border-left:4px solid var(--red);padding:1rem 1.25rem;background:#fff7f7}
.steps-section{background:var(--ink);color:#fff;width:100%;padding-left:max(1.25rem,calc((100% - 1180px)/2));padding-right:max(1.25rem,calc((100% - 1180px)/2))}.steps-section .eyebrow{color:#9bc2f7}
.steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:#42506a;border:1px solid #42506a}.steps-grid article{background:var(--ink);padding:1.5rem}.steps-grid span{color:#9bc2f7;font-weight:800}.steps-grid h3{margin:.75rem 0}.steps-grid p{color:#ccd4e2;margin:0;font-size:.93rem}
.letter-section{padding-bottom:7rem}.letter-heading{display:flex;justify-content:space-between;align-items:end;gap:2rem}.letter-heading p{max-width:680px}.copy-actions{justify-content:flex-end}.copy-actions span{color:var(--blue);font-weight:700;font-size:.9rem}
.warning{margin:1.5rem 0;background:#fff7df;border:1px solid #e5c56d;padding:1rem 1.25rem;border-radius:.35rem}.warning summary{font-weight:800;cursor:pointer}.warning p{margin:.7rem 0 0}
.letter{background:var(--white);border:1px solid var(--line);border-top:5px solid var(--blue);box-shadow:var(--shadow);padding:clamp(1.4rem,5vw,4rem);max-width:900px;margin:2rem auto 0;font-family:Georgia,"Times New Roman",serif;line-height:1.7}.letter h3{text-align:center;font-size:1.65rem}.letter h4{padding-top:1rem;border-top:1px solid var(--line)}.letter li{margin:.55rem 0}
.official-links{padding-top:4rem}.link-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}.link-grid a{display:flex;justify-content:space-between;gap:1rem;background:#fff;border:1px solid var(--line);padding:1.25rem;text-decoration:none;font-weight:750}.link-grid a:hover,.link-grid a:focus{border-color:var(--blue);color:var(--blue)}
.disclaimer{background:#eef2f7;width:100%;padding-left:max(1.25rem,calc((100% - 1180px)/2));padding-right:max(1.25rem,calc((100% - 1180px)/2))}.disclaimer-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1.25rem}.disclaimer-grid div{background:#fff;border:1px solid var(--line);padding:1.3rem}.disclaimer-grid h3{font-size:1.1rem;margin-bottom:.5rem}.disclaimer-grid p{font-size:.9rem;color:var(--muted);margin:0}
footer{display:flex;justify-content:space-between;gap:2rem;padding:2rem max(1.25rem,calc((100% - 1180px)/2));background:var(--ink);color:#d5dceb;font-size:.85rem}
@media(max-width:850px){nav{display:none}.hero{grid-template-columns:1fr;min-height:auto;padding-top:4rem}.fact-card{transform:none}.split{grid-template-columns:1fr}.steps-grid{grid-template-columns:1fr 1fr}.letter-heading{display:block}.copy-actions{justify-content:flex-start}.link-grid{grid-template-columns:1fr}.disclaimer-grid{grid-template-columns:1fr}}
@media(max-width:520px){.hero,.section{width:min(100% - 1.5rem,1180px)}.steps-section,.disclaimer{width:100%}.steps-grid{grid-template-columns:1fr}h1{font-size:3rem}.letter{padding:1.1rem}.button{width:100%}footer{display:block}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

/* Compact legal-information presentation */
:root{--paper:#f4f5f7;--blue:#243f68;--blue-dark:#182e4e;--blue-soft:#edf1f6;--shadow:0 6px 18px rgba(23,33,58,.06)}
body{background:var(--paper);font-family:Arial,"Helvetica Neue",sans-serif;font-size:16px;line-height:1.5}
.site-header{padding:.72rem clamp(1.25rem,4vw,4rem);background:rgba(255,255,255,.97);border-bottom-color:#c8ced8;backdrop-filter:blur(8px)}
.brand-mark{width:1.8rem;height:1.8rem;border-radius:2px;font-size:.7rem}
.hero,.section{width:min(1080px,calc(100% - 2.5rem))}
.hero{min-height:470px;grid-template-columns:1.4fr .85fr;gap:clamp(2rem,6vw,5rem);padding:3.5rem 0 3rem}
.eyebrow{letter-spacing:.12em;font-size:.72rem;font-weight:700;margin-bottom:.55rem}
h1,h2,h3,h4{line-height:1.18}
h1{font-size:clamp(2.35rem,4.4vw,4rem);letter-spacing:-.025em;max-width:760px;margin-bottom:1rem;font-weight:600}
h2{font-size:clamp(1.75rem,3vw,2.65rem);letter-spacing:-.02em;margin-bottom:.9rem;font-weight:600}
h3{font-size:1.18rem}h4{font-size:1.08rem;margin-top:1.6rem}
.lede{font-size:1.08rem;max-width:700px}
.hero-actions,.copy-actions{gap:.7rem;margin:1.4rem 0 .8rem}
.button{min-height:40px;padding:.55rem .9rem;border-radius:2px;font-size:.9rem;font-weight:700}
.fact-card{background:#fff;color:var(--ink);padding:1.5rem;border:1px solid #c8ced8;border-top:4px solid var(--blue);border-radius:0;box-shadow:var(--shadow);transform:none}
.fact-label{letter-spacing:.12em;font-size:.7rem;color:var(--blue)}
.fact-big{font-size:1.65rem;margin:.35rem 0 1rem}
.fact-card ul{padding-left:1.15rem}.fact-card li{margin:.45rem 0;font-size:.92rem}
.section{padding:3.6rem 0}
.prose{font-size:1rem}.callout{border-left-width:3px;padding:.8rem 1rem;background:#fff}
.steps-section{background:#e9edf2;color:var(--ink);width:100%;padding-left:max(1.25rem,calc((100% - 1080px)/2));padding-right:max(1.25rem,calc((100% - 1080px)/2))}
.steps-section .eyebrow{color:var(--blue)}
.steps-grid{background:#c8ced8;border-color:#c8ced8}
.steps-grid article{background:#fff;padding:1.15rem}.steps-grid span{color:var(--blue);font-size:.78rem}.steps-grid h3{margin:.45rem 0}.steps-grid p{color:var(--muted);font-size:.88rem}
.letter-section{padding-bottom:4.5rem}.copy-actions span{font-size:.85rem}
.warning{margin:1.1rem 0;background:#fff;border-color:#c9b475;padding:.8rem 1rem;border-radius:0}.warning summary{font-weight:700}.warning p{margin:.55rem 0 0;font-size:.9rem}
.letter{border-color:#bfc6d0;border-top-width:4px;box-shadow:var(--shadow);padding:clamp(1.25rem,4vw,3rem);max-width:820px;margin-top:1.4rem;font-family:"Times New Roman",Times,serif;font-size:.96rem;line-height:1.5}
.letter h3{font-size:1.4rem}.letter h4{padding-top:.8rem}.letter li{margin:.35rem 0}
.disclaimer{background:#e9edf2;padding-left:max(1.25rem,calc((100% - 1080px)/2));padding-right:max(1.25rem,calc((100% - 1080px)/2))}
.disclaimer-grid{gap:.8rem}.disclaimer-grid div{padding:1rem}.disclaimer-grid h3{font-size:1.02rem;margin-bottom:.4rem}.disclaimer-grid p{font-size:.86rem}
footer{padding:1.4rem max(1.25rem,calc((100% - 1080px)/2));font-size:.8rem}
@media(max-width:520px){.hero,.section{width:min(100% - 1.5rem,1080px)}.steps-section,.disclaimer{width:100%}h1{font-size:2.25rem}}

/* Disclaimer rows: full-width and readable at every desktop size */
.disclaimer-grid{display:grid;grid-template-columns:1fr;gap:0;border-top:1px solid #c8ced8;background:#fff}
.disclaimer-grid div{display:grid;grid-template-columns:minmax(170px,220px) minmax(0,1fr);gap:1.25rem;align-items:start;padding:1rem 1.15rem;border:0;border-bottom:1px solid #d9e0ea;background:#fff}
.disclaimer-grid h3{margin:0;font-family:Arial,"Helvetica Neue",sans-serif;font-size:.92rem;line-height:1.4;color:var(--ink)}
.disclaimer-grid p{margin:0;font-size:.9rem;line-height:1.5;color:#4d586a}
@media(max-width:700px){.disclaimer-grid div{grid-template-columns:1fr;gap:.35rem}.disclaimer-grid h3{font-size:.98rem}}

.disclaimer-text{display:block;width:100%;max-width:920px;background:#fff;border:1px solid #c8ced8;padding:1.25rem 1.5rem}
.disclaimer-text p{display:block;width:auto;margin:0;padding:.8rem 0;border-bottom:1px solid #e0e4ea;color:#3f495a;font-size:.95rem;line-height:1.55}
.disclaimer-text p:first-child{padding-top:0}
.disclaimer-text p:last-child{padding-bottom:0;border-bottom:0}
.disclaimer-text strong{color:var(--ink)}

/* Plain small-print legal notice */
.section.disclaimer{display:block;width:min(1080px,calc(100% - 2.5rem));margin:0 auto;padding:2.75rem 0;background:transparent}
.disclaimer-title{margin:0 0 .7rem;padding:0;font-family:Arial,"Helvetica Neue",sans-serif;font-size:1rem;line-height:1.4;letter-spacing:.02em;text-transform:uppercase;color:var(--ink)}
.disclaimer-text{display:block;width:100%;max-width:none;margin:0;padding:0;background:transparent;border:0;box-shadow:none}
.disclaimer-text p{display:block;width:100%;margin:0 0 .55rem;padding:0;border:0;background:transparent;color:#596375;font-size:.78rem;line-height:1.5}
.disclaimer-text p:last-child{margin-bottom:0}
.disclaimer-text strong{color:#3f495a;font-weight:700}
@media(max-width:520px){.section.disclaimer{width:calc(100% - 1.5rem);padding:2.25rem 0}.disclaimer-text p{font-size:.8rem}}

.hero-aside{display:flex;flex-direction:column;gap:.65rem;align-self:center}
.visit-counter{margin:0;padding:.55rem .1rem .6rem;text-align:right;border-bottom:1px solid #bfc6d0;color:#3f495a;line-height:1.25}
.visit-counter strong{display:block;font-family:Georgia,"Times New Roman",serif;font-size:.98rem;font-weight:600;color:var(--ink)}
.visit-counter span{margin-right:.2rem;font-size:1.55rem;font-variant-numeric:tabular-nums;font-weight:700}
@media(max-width:850px){.hero-aside{margin-top:.5rem}.visit-counter{text-align:left}}