:root {
  --ink: #16333b;
  --muted: #5b7075;
  --navy: #073b4c;
  --teal: #0c8f8a;
  --aqua: #dff5f1;
  --sand: #fbf5e9;
  --gold: #f2b544;
  --white: #fff;
  --line: #d9e3e1;
  --shadow: 0 18px 48px rgba(7, 59, 76, .13);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a {
  color: inherit;
}

.container {
  width: min(1080px, calc(100% - 36px));
  margin-inline: auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  border-bottom: 1px solid rgba(7, 59, 76, .1);
  background: rgba(255, 255, 255, .96);
  backdrop-filter: blur(12px);
}

.nav {
  min-height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--navy);
  font-weight: 900;
  text-decoration: none;
}

.brand img {
  width: 46px;
  height: 46px;
  border-radius: 50%;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 20px;
}

.nav-links > a:not(.button) {
  color: #355057;
  font-size: .92rem;
  font-weight: 800;
  text-decoration: none;
}

.button {
  min-height: 48px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 20px;
  border-radius: 999px;
  font-weight: 850;
  line-height: 1.2;
  text-align: center;
  text-decoration: none;
}

.button-gold {
  background: var(--gold);
  color: #302000;
}

.button-teal {
  background: var(--teal);
  color: var(--white);
}

.button-white {
  background: var(--white);
  color: var(--navy);
}

.hero {
  position: relative;
  min-height: 590px;
  display: grid;
  place-items: center;
  overflow: hidden;
  color: var(--white);
  background: var(--navy);
}

.hero img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, rgba(4, 37, 48, .93), rgba(4, 37, 48, .55));
}

.hero-content {
  position: relative;
  z-index: 1;
  max-width: 760px;
  margin-right: auto;
  padding-block: 82px;
}

.eyebrow {
  margin: 0 0 14px;
  color: #bdf8ef;
  font-size: .82rem;
  font-weight: 900;
  letter-spacing: .11em;
  text-transform: uppercase;
}

h1,
h2 {
  margin-top: 0;
  font-family: Georgia, "Times New Roman", serif;
  letter-spacing: -.035em;
  text-wrap: balance;
}

h1 {
  max-width: 760px;
  margin-bottom: 20px;
  font-size: clamp(2.7rem, 6vw, 5.2rem);
  line-height: .98;
}

.hero p:not(.eyebrow) {
  max-width: 670px;
  color: rgba(255, 255, 255, .88);
  font-size: 1.15rem;
}

.actions {
  display: flex;
  flex-wrap: wrap;
  gap: 11px;
  margin-top: 27px;
}

.quick-facts {
  position: relative;
  z-index: 2;
  margin-top: -34px;
}

.fact-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  overflow: hidden;
  border-radius: 20px;
  background: var(--white);
  box-shadow: var(--shadow);
}

.fact {
  padding: 22px;
  border-right: 1px solid var(--line);
}

.fact:last-child {
  border-right: 0;
}

.fact strong {
  display: block;
  color: var(--navy);
}

.fact span {
  color: var(--muted);
  font-size: .88rem;
}

section {
  padding-block: 86px;
}

.section-heading {
  max-width: 760px;
  margin-bottom: 16px;
  color: var(--navy);
  font-size: clamp(2.1rem, 4.2vw, 3.55rem);
  line-height: 1.05;
}

.section-intro {
  max-width: 760px;
  margin-bottom: 34px;
  color: var(--muted);
  font-size: 1.05rem;
}

.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.card {
  padding: 26px;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: var(--white);
  box-shadow: 0 10px 28px rgba(7, 59, 76, .07);
}

.card h3 {
  margin-top: 0;
  color: var(--navy);
}

.card p {
  margin-bottom: 0;
  color: var(--muted);
}

.rate-section {
  background: var(--sand);
}

.rate-box {
  display: grid;
  grid-template-columns: .9fr 1.1fr;
  gap: 38px;
  align-items: center;
  padding: 38px;
  border-radius: 26px;
  background: var(--white);
  box-shadow: var(--shadow);
}

.rate {
  color: var(--navy);
  font-size: clamp(2.8rem, 7vw, 5rem);
  font-weight: 950;
  line-height: 1;
}

.rate small {
  display: block;
  margin-top: 8px;
  color: var(--muted);
  font-size: .9rem;
  font-weight: 700;
}

.check-list {
  display: grid;
  gap: 10px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.check-list li {
  position: relative;
  padding-left: 30px;
  color: #355057;
  font-weight: 700;
}

.check-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--teal);
  font-weight: 950;
}

.faq {
  max-width: 820px;
}

details {
  padding: 20px 0;
  border-bottom: 1px solid var(--line);
}

summary {
  color: var(--navy);
  font-weight: 850;
  cursor: pointer;
}

details p {
  margin: 12px 0 0;
  color: var(--muted);
}

.cta {
  padding-block: 64px;
  color: var(--white);
  background: var(--navy);
}

.cta-grid {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
}

.cta h2 {
  margin-bottom: 8px;
  font-size: clamp(2rem, 4vw, 3.25rem);
}

.cta p {
  margin-bottom: 0;
  color: rgba(255, 255, 255, .75);
}

footer {
  padding: 34px 0;
  color: #587076;
  background: #f6faf9;
  text-align: center;
}

footer a {
  color: var(--teal);
  font-weight: 800;
}

.mobile-bar {
  display: none;
}

@media (max-width: 780px) {
  body {
    padding-bottom: 82px;
  }

  .nav-links > a:not(.button) {
    display: none;
  }

  .hero {
    min-height: 520px;
  }

  .hero-content {
    padding-block: 66px;
  }

  .fact-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .fact:nth-child(2) {
    border-right: 0;
  }

  .fact:nth-child(-n+2) {
    border-bottom: 1px solid var(--line);
  }

  .cards,
  .rate-box {
    grid-template-columns: 1fr;
  }

  .cta-grid {
    display: block;
  }

  .cta .actions {
    margin-top: 24px;
  }

  .mobile-bar {
    position: fixed;
    right: 9px;
    bottom: 9px;
    left: 9px;
    z-index: 70;
    display: grid;
    grid-template-columns: .72fr 1.28fr;
    gap: 8px;
    padding: 8px;
    border-radius: 18px;
    background: rgba(255, 255, 255, .97);
    box-shadow: 0 16px 40px rgba(7, 59, 76, .25);
  }
}

@media (max-width: 480px) {
  .container {
    width: min(100% - 26px, 1080px);
  }

  .nav-links .button {
    padding-inline: 14px;
  }

  .hero {
    min-height: 500px;
  }

  h1 {
    font-size: 2.7rem;
  }

  section {
    padding-block: 68px;
  }

  .quick-facts {
    margin-top: 0;
  }

  .fact-grid {
    border-radius: 0;
  }

  .rate-box {
    padding: 26px;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
}