:root{
  --navy:#0b2239; --navy2:#12385c; --blue:#1d7fc4; --frost:#9fd3f0; --ice:#eaf5fb;
  --amber:#f2a73b; --ink:#14212c; --mute:#566573; --line:#d5dfe6; --paper:#fff; --bad:#b3261e;
  --r:14px; --font:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--paper);line-height:1.55;font-size:17px}
img,svg{max-width:100%;display:block}
a{color:var(--blue)}
:focus-visible{outline:3px solid var(--amber);outline-offset:2px}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:9}

.demo{background:var(--amber);color:#1b1300;text-align:center;padding:7px 14px;font-weight:700;font-size:.9rem}

/* ---------- header ---------- */
.top{background:var(--navy);color:#fff;position:sticky;top:0;z-index:5}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:12px;padding-bottom:12px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:800;letter-spacing:.04em}
.brand svg{width:34px;height:34px}
.brand small{display:block;font-weight:500;letter-spacing:.12em;font-size:.62em;color:var(--frost)}
.top nav{display:flex;gap:18px;align-items:center;flex-wrap:wrap}
.top nav a{color:#fff;text-decoration:none;font-size:.95rem}
.top nav a:hover{text-decoration:underline}

.btn{display:inline-block;border:0;border-radius:999px;padding:12px 22px;font:inherit;font-weight:700;cursor:pointer;text-decoration:none;background:var(--amber);color:#1b1300}
.btn:hover{filter:brightness(1.06)}
.btn.ghost{background:transparent;color:var(--blue);border:2px solid var(--blue)}
.btn.dark{background:var(--navy);color:#fff}
.link{background:none;border:0;padding:6px 0;font:inherit;color:var(--blue);text-decoration:underline;cursor:pointer}
.link.danger{color:var(--bad)}

/* ---------- marketing ---------- */
.hero{background:linear-gradient(180deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1fr 1.15fr;gap:28px;align-items:center;padding-top:56px;padding-bottom:0}
.hero h1{font-size:clamp(2rem,4.6vw,3.3rem);line-height:1.08;margin:0 0 14px;letter-spacing:-.01em}
.hero h1 em{font-style:normal;color:var(--frost)}
.hero p{font-size:1.12rem;color:#d7e6f1;max-width:34ch}
.hero .cta{display:flex;gap:12px;flex-wrap:wrap;margin:22px 0 40px}
.hero .btn.ghost{color:#fff;border-color:#fff}
.eyebrow{font-size:.8rem;letter-spacing:.18em;text-transform:uppercase;color:var(--amber);font-weight:700}
section.band{padding:64px 0}
section.band.ice{background:var(--ice)}
h2.sec{font-size:clamp(1.5rem,3vw,2.1rem);margin:6px 0 18px;line-height:1.15}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px}
.card h3{margin:10px 0 6px;font-size:1.15rem}
.card p{margin:0;color:var(--mute)}
.card svg{width:40px;height:40px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:center}
.year{font-size:clamp(4rem,12vw,8rem);font-weight:900;color:var(--blue);line-height:.9;letter-spacing:-.04em}
.drivers{background:var(--navy);color:#fff;border-radius:22px;padding:36px;display:grid;grid-template-columns:1.4fr 1fr;gap:24px;align-items:center}
.drivers ul{margin:10px 0 0;padding-left:20px;color:#d7e6f1}
.foot{background:#071728;color:#b9cad8;padding:28px 0;font-size:.92rem}
.foot a{color:#fff}

/* ---------- application wizard ---------- */
body.app{background:var(--ice)}
.stage{max-width:760px;margin:28px auto 80px;background:#fff;border-radius:20px;padding:28px;border:1px solid var(--line)}
.prog{margin:0 0 6px;color:var(--mute);font-size:.9rem;font-weight:600}
progress{width:100%;height:10px;accent-color:var(--blue)}
.stage h2{font-size:1.7rem;margin:18px 0 6px;line-height:1.2}
.stage h3{font-size:1.15rem;margin:26px 0 4px}
.hint{color:var(--mute);margin:2px 0 12px;font-size:.95rem}
.grid{display:grid;grid-template-columns:repeat(6,1fr);gap:14px;margin-top:14px}
.fld{grid-column:span 6;min-width:0}
.fld.w2{grid-column:span 2}.fld.w3{grid-column:span 3}.fld.w4{grid-column:span 4}
.fld label,.fld legend{display:block;font-weight:650;margin-bottom:5px;font-size:.96rem;padding:0}
.fld .req{color:var(--bad)}
.in{display:flex;gap:8px;align-items:stretch}
input[type=text],input[type=tel],input[type=email],input[type=date],input[type=month],input[type=password],select,textarea{
  width:100%;font:inherit;padding:12px;border:1.5px solid #9aa9b5;border-radius:10px;background:#fff;color:var(--ink);min-height:48px}
textarea{min-height:92px;resize:vertical}
fieldset{border:0;margin:0;padding:0;min-width:0}
.yn{display:flex;gap:10px;flex-wrap:wrap}
.yn label{position:relative;margin:0;font-weight:700}
.yn input{position:absolute;opacity:0;inset:0;width:100%;height:100%;cursor:pointer;margin:0}
.yn span{display:block;min-width:110px;text-align:center;padding:12px 18px;border:2px solid #9aa9b5;border-radius:12px}
.yn input:checked+span{background:var(--navy);border-color:var(--navy);color:#fff}
.yn input:focus-visible+span{outline:3px solid var(--amber);outline-offset:2px}
.mic{flex:none;width:48px;border-radius:10px;border:1.5px solid #9aa9b5;background:#fff;cursor:pointer;font-size:1.2rem}
.mic[aria-pressed=true]{background:var(--bad);color:#fff;border-color:var(--bad)}
.check{display:flex;gap:10px;align-items:flex-start;margin:12px 0;font-weight:600}
.check input{width:24px;height:24px;flex:none;margin-top:2px}
details.item{border:1.5px solid var(--line);border-radius:12px;padding:6px 14px;margin:10px 0;background:#fbfdfe}
details.item summary{cursor:pointer;font-weight:700;padding:10px 0}
details.item[open]{padding-bottom:14px}
.tag{display:inline-block;background:#fff2d6;color:#6b4700;border-radius:999px;padding:2px 10px;font-size:.78rem;margin-left:8px;font-weight:700}
.note{background:var(--ice);border-left:5px solid var(--blue);border-radius:10px;padding:16px 18px;margin:18px 0}
.note h3{margin-top:0}
.note ol,.note ul{margin:8px 0 0;padding-left:22px}
.note li{margin:6px 0}
.note.warn{background:#fff7e6;border-color:var(--amber)}
.policy{max-height:230px;overflow:auto;border:1.5px solid var(--line);border-radius:10px;padding:14px;background:#fbfdfe;font-size:.93rem}
.policy p{margin:0 0 10px}
#err:not(:empty){background:#fdecea;border:1.5px solid var(--bad);color:#7a1a14;border-radius:10px;padding:12px 14px;margin:12px 0}
.navrow{display:flex;justify-content:space-between;gap:12px;margin-top:30px;flex-wrap:wrap}
canvas.sig{width:100%;height:160px;border:1.5px dashed #6b7c89;border-radius:10px;touch-action:none;background:#fff}
.cursive{font-family:"Snell Roundhand","Brush Script MT","Segoe Script",cursive;font-size:1.9rem;line-height:1}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}

/* ---------- finished packet ---------- */
.bar{max-width:8.5in;margin:20px auto;display:flex;gap:10px;flex-wrap:wrap;align-items:center}
.sheet{background:#fff;max-width:8.5in;margin:18px auto;padding:.5in;border:1px solid var(--line);font-size:10.5pt;line-height:1.35;color:#000}
.sheet .sh{display:flex;flex-direction:column;align-items:flex-start;border-bottom:3px solid var(--navy);padding-bottom:8px;margin-bottom:12px;gap:16px}
.sheet .co{font-weight:800;letter-spacing:.05em;color:var(--navy);font-size:11pt}
.sheet .co small{display:block;font-weight:400;letter-spacing:0;color:#333;font-size:8pt}
.sheet h2{margin:4px 0 0;font-size:13pt;text-align:left;text-transform:uppercase;letter-spacing:.03em}
.sheet h3{background:var(--navy);color:#fff;font-size:9pt;letter-spacing:.08em;text-transform:uppercase;padding:4px 8px;margin:12px 0 0}
.sheet h3 small{float:right;font-weight:400;text-transform:none;letter-spacing:0}
.sheet p{margin:8px 0}
.row{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));border-left:1px solid #444;border-top:1px solid #444}
.row+.row{border-top:0}
.c{min-width:0;overflow-wrap:anywhere;grid-column:span 12;border-right:1px solid #444;border-bottom:1px solid #444;padding:3px 6px;min-height:32px}
.c.s1{grid-column:span 1}.c.s2{grid-column:span 2}.c.s3{grid-column:span 3}.c.s4{grid-column:span 4}.c.s5{grid-column:span 5}.c.s6{grid-column:span 6}.c.s8{grid-column:span 8}.c.s9{grid-column:span 9}
.c .l{display:block;font-size:6.5pt;text-transform:uppercase;letter-spacing:.05em;color:#333}
.c .v{font-size:10.5pt;font-weight:600;white-space:pre-wrap}
.job{break-inside:avoid;margin-top:8px}
.sheet table{width:100%;border-collapse:collapse;margin-top:0}
.sheet th,.sheet td{border:1px solid #444;padding:4px 6px;text-align:left;font-size:9.5pt;vertical-align:top}
.sheet th{font-size:7pt;text-transform:uppercase;letter-spacing:.05em;background:#eef3f6}
.sheet td{height:24px}
.ln{display:flex;gap:8px;align-items:flex-end;margin:10px 0}
.ln .l{flex:none;font-size:9.5pt}
.ln .v{flex:1;border-bottom:1px solid #000;min-height:20px;font-weight:600;padding:0 4px}
.signrow{display:flex;gap:28px;margin-top:22px;break-inside:avoid}
.signrow>div{flex:1}
.signrow .sigbox{border-bottom:1px solid #000;min-height:44px;display:flex;align-items:flex-end;padding:0 4px}
.signrow .sigbox img{max-height:44px}
.signrow .cap{font-size:7.5pt;text-transform:uppercase;letter-spacing:.05em}
.sf{margin-top:14px;font-size:7.5pt;color:#333;border-top:1px solid #999;padding-top:6px}
.office{border:1.5px dashed #777;padding:8px 10px;margin-top:12px;font-size:9pt}
.office b{letter-spacing:.06em}

.sheet.tight{font-size:9pt;line-height:1.25}
.tight p{margin:5px 0}.tight .ln{margin:5px 0}.tight .ln .l{font-size:8.5pt}.tight .signrow{margin-top:6px}
.tight .signrow .sigbox{min-height:30px}.tight .c{min-height:26px}.tight td{height:17px;padding:2px 6px}.tight h3{margin-top:7px}
.tight .sh{padding-bottom:4px;margin-bottom:6px}.tight .signrow .sigbox{min-height:20px}.tight .c{min-height:23px;padding:2px 6px}.tight h3{margin-top:5px;padding:3px 8px}.tight .sh{margin-bottom:4px}.tight h2{font-size:12pt}.tight .sf{margin-top:5px;padding-top:3px;font-size:7pt}.tight .ln{margin:3px 0}.tight th{padding:2px 6px}.tight ol{margin:2px 0 2px 18px!important}
@media (max-width:760px){
  .hero .wrap,.split,.drivers,.cards{grid-template-columns:1fr}
  .fld.w2,.fld.w3,.fld.w4{grid-column:span 6}
  .stage{margin:0;border-radius:0;border:0;padding:20px}
}
@media print{
  @page{size:letter;margin:.5in}
  body.app{background:#fff}
  .top,.bar,#stage,.foot,.demo{display:none!important}
  .sheet{border:0;margin:0;padding:0;max-width:none;break-after:page}
  .sheet:last-child{break-after:auto}
  .sheet h3,.sheet th{-webkit-print-color-adjust:exact;print-color-adjust:exact}
}