:root{
  --navy:#1B3664; --navy-deep:#0f213f; --teal:#00A4A6; --teal-soft:#e3f5f5;
  --orange:#F68B1E; --yellow:#FFD200;
  --ink:#1c2433; --muted:#566074; --line:#dfe4ec; --bg:#ffffff; --bg-alt:#f5f7fa;
  --radius:14px; --max:1120px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:"Open Sans",system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
h1,h2,h3,h4{font-family:"Montserrat",sans-serif;color:var(--navy);line-height:1.2;font-weight:700}
h1{font-size:clamp(2rem,4.6vw,3.3rem);letter-spacing:-.02em}
h2{font-size:clamp(1.6rem,3.2vw,2.3rem);letter-spacing:-.01em;margin-bottom:.6em}
h3{font-size:1.2rem;margin-bottom:.4em}
p{margin-bottom:1em}
a{color:var(--teal)}
img{max-width:100%;display:block}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
section{padding:80px 0}
.alt{background:var(--bg-alt)}
.dark{background:var(--navy);color:#e8eef7}
.dark h2,.dark h3{color:#fff}
.eyebrow{font-family:"Exo 2",sans-serif;text-transform:uppercase;letter-spacing:.14em;font-size:.8rem;font-weight:600;color:var(--teal);margin-bottom:.8em;display:block}
.lede{font-size:1.15rem;color:var(--muted);max-width:720px}
.center{text-align:center}.center .lede{margin-left:auto;margin-right:auto}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px}
.brand{font-family:"Montserrat",sans-serif;font-weight:800;font-size:1.3rem;color:var(--navy);text-decoration:none;letter-spacing:-.01em}
.brand span{color:var(--teal)}
.brand small{display:block;font-family:"Exo 2",sans-serif;font-weight:500;font-size:.66rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-top:-2px}
nav ul{list-style:none;display:flex;gap:26px;align-items:center}
nav a{color:var(--ink);text-decoration:none;font-weight:600;font-size:.95rem}
nav a:hover{color:var(--teal)}
.menu-toggle{display:none;background:none;border:0;font-size:1.6rem;color:var(--navy);cursor:pointer}

/* buttons */
.btn{display:inline-block;font-family:"Montserrat",sans-serif;font-weight:700;text-decoration:none;padding:15px 28px;border-radius:999px;font-size:1rem;transition:transform .15s,box-shadow .15s;border:2px solid transparent;text-align:center}
.btn:hover{transform:translateY(-1px);box-shadow:0 8px 20px rgba(27,54,100,.18)}
.btn-primary{background:var(--orange);color:#fff}
.btn-secondary{background:transparent;color:var(--navy);border-color:var(--navy)}
.dark .btn-secondary{color:#fff;border-color:#fff}
.btn-sm{padding:10px 20px;font-size:.9rem}
.btn-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.center .btn-row{justify-content:center}

/* hero */
.hero{padding:88px 0 72px;background:linear-gradient(160deg,#fff 0%,var(--teal-soft) 100%)}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.hero p.lede{margin-top:20px}
.hero-card{background:#fff;border-radius:20px;box-shadow:0 24px 60px rgba(27,54,100,.14);padding:34px;border:1px solid var(--line)}
.pace{display:flex;flex-direction:column;gap:18px;margin-top:10px}
.pace-row{display:grid;grid-template-columns:90px 1fr 54px;align-items:center;gap:12px;font-size:.92rem}
.pace-bar{height:12px;border-radius:99px;background:var(--line);overflow:hidden}
.pace-bar i{display:block;height:100%;border-radius:99px}
.pace-num{font-family:"Exo 2",sans-serif;font-weight:700;text-align:right;color:var(--navy)}
.hero-card .note{font-size:.8rem;color:var(--muted);margin-top:18px;margin-bottom:0}
.hero-card h3{font-size:1rem;font-family:"Exo 2",sans-serif;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}

/* grids */
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.alt .card{box-shadow:0 2px 10px rgba(27,54,100,.04)}
.card p:last-child{margin-bottom:0}
.dark .card{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.14);color:#e8eef7}
.icon{width:46px;height:46px;border-radius:12px;background:var(--teal-soft);color:var(--teal);display:grid;place-items:center;font-family:"Exo 2",sans-serif;font-weight:800;font-size:1.15rem;margin-bottom:16px}
.step-num{font-family:"Exo 2",sans-serif;font-weight:800;font-size:2.4rem;color:var(--orange);line-height:1;margin-bottom:10px}

/* built now headed */
.bnh .card{border-top:5px solid var(--teal)}
.bnh .card:nth-child(2){border-top-color:var(--navy)}
.bnh .card:nth-child(3){border-top-color:var(--orange)}
.tag{display:inline-block;font-family:"Exo 2",sans-serif;font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;padding:4px 10px;border-radius:99px;background:var(--bg-alt);color:var(--navy);margin-bottom:12px}

/* timeline */
.timeline{position:relative;margin-top:40px}
.timeline::before{content:"";position:absolute;left:21px;top:6px;bottom:6px;width:2px;background:var(--line)}
.tl-item{position:relative;padding-left:64px;margin-bottom:34px}
.tl-item:last-child{margin-bottom:0}
.tl-dot{position:absolute;left:8px;top:2px;width:28px;height:28px;border-radius:50%;background:#fff;border:3px solid var(--teal)}
.tl-item:nth-child(4) .tl-dot{border-color:var(--orange)}
.tl-when{font-family:"Exo 2",sans-serif;font-weight:700;font-size:.82rem;letter-spacing:.1em;text-transform:uppercase;color:var(--teal)}
.tl-item h3{margin-top:2px}

/* checklist */
.checks{list-style:none}
.checks li{position:relative;padding-left:32px;margin-bottom:12px}
.checks li::before{content:"";position:absolute;left:0;top:6px;width:18px;height:18px;border-radius:50%;background:var(--teal) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='white'%3E%3Cpath d='M8 13.2 4.8 10l-1.1 1.1L8 15.4l8.3-8.3-1.1-1.1z'/%3E%3C/svg%3E") center/14px no-repeat}
.x-list li::before{background:#c9d1dd url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='white'%3E%3Cpath d='M6 5 5 6l4 4-4 4 1 1 4-4 4 4 1-1-4-4 4-4-1-1-4 4z'/%3E%3C/svg%3E") center/14px no-repeat}

/* guide */
.guide{display:grid;grid-template-columns:320px 1fr;gap:56px;align-items:center}
.guide img{border-radius:20px;box-shadow:0 20px 50px rgba(27,54,100,.18);aspect-ratio:4/5;object-fit:cover;width:100%}
.creds{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
.creds span{font-size:.82rem;font-weight:600;background:var(--teal-soft);color:var(--navy);padding:6px 12px;border-radius:99px}

/* stakes */
.stakes{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.stakes .card h3{display:flex;align-items:center;gap:10px}

/* faq */
details{border-bottom:1px solid var(--line);padding:20px 0}
summary{font-family:"Montserrat",sans-serif;font-weight:700;color:var(--navy);cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:16px}
summary::after{content:"+";color:var(--teal);font-size:1.4rem;line-height:1}
details[open] summary::after{content:"–"}
details p{margin-top:12px;color:var(--muted)}

/* cta band */
.cta-band{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-deep) 100%);color:#e8eef7;border-radius:24px;padding:56px;text-align:center}
.cta-band h2{color:#fff}
.cta-band .lede{color:#c9d6ea}

/* footer */
footer{background:var(--navy-deep);color:#aebbd0;padding:56px 0 36px;font-size:.9rem}
footer a{color:#dfe7f3;text-decoration:none}
footer a:hover{color:var(--yellow)}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;margin-bottom:36px}
footer h4{color:#fff;font-size:.95rem;margin-bottom:12px}
footer ul{list-style:none}
footer li{margin-bottom:8px}
.disclosure{border-top:1px solid rgba(255,255,255,.12);padding-top:24px;font-size:.8rem;line-height:1.6;color:#8d9bb3}
.disclosure strong{color:#c7d2e3}

/* page header */
.page-head{padding:72px 0 48px;background:linear-gradient(160deg,#fff 0%,var(--teal-soft) 100%)}

@media (max-width:900px){
  .hero .wrap,.guide,.stakes{grid-template-columns:1fr}
  .g3,.g4{grid-template-columns:1fr 1fr}
  .foot-grid{grid-template-columns:1fr}
  .guide img{max-width:320px}
}
@media (max-width:680px){
  body{font-size:16px}
  section{padding:56px 0}
  .g2,.g3,.g4{grid-template-columns:1fr}
  .menu-toggle{display:block}
  nav{position:absolute;top:68px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);display:none}
  nav.open{display:block}
  nav ul{flex-direction:column;align-items:flex-start;padding:16px 20px;gap:14px}
  .cta-band{padding:36px 22px}
  .hero-card{padding:24px}
  .pace-row{grid-template-columns:76px 1fr 44px}
}