:root {
    --navy: #092a3c;
    --teal: #087f75;
    --mint: #d8f3e9;
    --amber: #f3ad43;
    --ink: #17313f;
    --muted: #617681;
    --line: #dfe9e9;
    --paper: #f6f9f8;
}

* {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    background: var(--paper);
    color: var(--ink);
    font-family: "DM Sans", Arial, sans-serif;
    margin: 0;
}

img {
    display: block;
    max-width: 100%;
}

a {
    transition: color .2s ease, background .2s ease, transform .2s ease;
}

.skip-link {
    background: white;
    color: var(--navy);
    left: 16px;
    padding: 10px 14px;
    position: fixed;
    top: -60px;
    z-index: 100;
}

.skip-link:focus {
    top: 16px;
}

.shell {
    margin: 0 auto;
    max-width: 1180px;
    padding-left: 24px;
    padding-right: 24px;
}

.site-header {
    background: white;
    border-bottom: 1px solid var(--line);
}

.header-inner {
    align-items: center;
    display: flex;
    justify-content: space-between;
    min-height: 82px;
}

.brand img {
    height: auto;
    width: min(400px, 42vw);
}

.main-nav {
    align-items: center;
    display: flex;
    gap: 25px;
}

.main-nav a {
    color: var(--muted);
    font-size: .84rem;
    font-weight: 700;
    text-decoration: none;
}

.main-nav a:hover {
    color: var(--teal);
}

.main-nav .contact-link {
    background: var(--navy);
    border-radius: 8px;
    color: white;
    padding: 10px 15px;
}

.hero {
    background: var(--navy);
    color: white;
    overflow: hidden;
    padding: 104px 0 72px;
    position: relative;
}

.hero::after {
    background: linear-gradient(90deg, var(--teal), #32b895, var(--amber));
    bottom: 0;
    content: "";
    height: 5px;
    left: 0;
    position: absolute;
    right: 0;
}

.hero-content {
    position: relative;
    z-index: 1;
}

.hero-glow {
    border-radius: 50%;
    opacity: .22;
    position: absolute;
}

.hero-glow-one {
    background: #20c99b;
    height: 430px;
    right: -80px;
    top: -180px;
    width: 430px;
}

.hero-glow-two {
    border: 80px solid rgba(243, 173, 67, .45);
    bottom: -250px;
    height: 520px;
    right: 22%;
    width: 520px;
}

.eyebrow,
.kicker {
    color: var(--teal);
    font-size: .74rem;
    font-weight: 800;
    letter-spacing: .16em;
    margin: 0;
    text-transform: uppercase;
}

.eyebrow {
    color: #7ee1c2;
    margin-bottom: 18px;
}

.hero h1 {
    font-family: Manrope, Arial, sans-serif;
    font-size: clamp(2.8rem, 6vw, 5.6rem);
    font-weight: 800;
    letter-spacing: -.055em;
    line-height: .98;
    margin: 0;
    max-width: 860px;
}

.hero h1 span {
    color: #70d9b8;
    display: block;
}

.hero-summary {
    color: #c7d7dd;
    font-size: 1.12rem;
    line-height: 1.75;
    margin: 28px 0 32px;
    max-width: 640px;
}

.hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
}

.button {
    border-radius: 10px;
    display: inline-flex;
    font-weight: 700;
    padding: 14px 20px;
    text-decoration: none;
}

.button:hover {
    transform: translateY(-2px);
}

.button-primary {
    background: var(--amber);
    color: #2c261d;
}

.button-outline {
    border: 1px solid rgba(255, 255, 255, .25);
    color: white;
}

.hero-stats {
    border-top: 1px solid rgba(255, 255, 255, .14);
    display: flex;
    gap: 54px;
    margin-top: 64px;
    max-width: 760px;
    padding-top: 28px;
}

.hero-stats div,
.open-card div,
.site-footer .shell > div {
    display: grid;
    gap: 4px;
}

.hero-stats strong {
    font-family: Manrope, Arial, sans-serif;
    font-size: 1.35rem;
}

.hero-stats span {
    color: #9eb4bd;
    font-size: .84rem;
}

.jump-nav {
    background: rgba(255, 255, 255, .96);
    border-bottom: 1px solid var(--line);
    position: sticky;
    top: 0;
    z-index: 10;
}

.jump-nav .shell {
    display: flex;
    gap: 30px;
    overflow-x: auto;
}

.jump-nav a {
    color: var(--muted);
    flex: 0 0 auto;
    font-size: .88rem;
    font-weight: 700;
    padding: 18px 0;
    text-decoration: none;
}

.jump-nav a:hover {
    color: var(--teal);
}

.page-content {
    padding-bottom: 100px;
}

.overview {
    align-items: center;
    display: grid;
    gap: 64px;
    grid-template-columns: 1fr 1fr;
    padding: 96px 0;
    scroll-margin-top: 60px;
}

.overview-image {
    min-height: 390px;
    position: relative;
}

.overview-image::before {
    background: var(--mint);
    border-radius: 18px;
    content: "";
    inset: 28px -20px -20px 28px;
    position: absolute;
}

.overview-image img {
    border-radius: 18px;
    height: 390px;
    object-fit: cover;
    position: relative;
    width: 100%;
}

.overview-image > span {
    background: white;
    border-radius: 8px;
    bottom: 18px;
    box-shadow: 0 12px 35px rgba(9, 42, 60, .18);
    font-size: .8rem;
    font-weight: 700;
    left: 18px;
    padding: 10px 14px;
    position: absolute;
}

.overview h2,
.content-section h2 {
    color: var(--navy);
    font-family: Manrope, Arial, sans-serif;
    font-size: clamp(2rem, 3.7vw, 3.15rem);
    font-weight: 800;
    letter-spacing: -.04em;
    line-height: 1.12;
    margin: 12px 0 20px;
}

.section-copy {
    color: var(--muted);
    font-size: 1.05rem;
    line-height: 1.8;
}

.open-card {
    align-items: center;
    background: white;
    border-left: 4px solid var(--amber);
    border-radius: 10px;
    box-shadow: 0 12px 35px rgba(26, 62, 71, .08);
    display: flex;
    gap: 14px;
    margin-top: 26px;
    padding: 18px;
}

.icon {
    align-items: center;
    background: var(--mint);
    border-radius: 10px;
    color: var(--teal);
    display: inline-flex;
    flex: 0 0 42px;
    font-family: Manrope, Arial, sans-serif;
    font-weight: 800;
    height: 42px;
    justify-content: center;
}

.open-card div span {
    color: var(--muted);
    font-size: .9rem;
}

.content-section {
    padding: 70px 0;
    scroll-margin-top: 58px;
}

.section-heading {
    align-items: end;
    display: flex;
    justify-content: space-between;
    margin-bottom: 34px;
}

.section-heading h2 {
    margin-bottom: 0;
}

.section-heading > p {
    color: var(--muted);
    line-height: 1.7;
    margin: 0 0 5px;
    max-width: 430px;
}

.reminder-grid {
    display: grid;
    gap: 16px;
    grid-template-columns: repeat(4, 1fr);
}

.reminder-card {
    background: white;
    border: 1px solid var(--line);
    border-radius: 14px;
    min-height: 190px;
    padding: 24px;
}

.card-number {
    color: var(--teal);
    font-family: Manrope, Arial, sans-serif;
    font-size: .85rem;
    font-weight: 800;
}

.reminder-card p {
    font-size: .98rem;
    font-weight: 600;
    line-height: 1.65;
    margin: 40px 0 0;
}

.table-card {
    background: white;
    border: 1px solid var(--line);
    border-radius: 16px;
    box-shadow: 0 18px 45px rgba(26, 62, 71, .07);
    overflow: hidden;
}

.table-scroll {
    overflow-x: auto;
}

table {
    border-collapse: collapse;
    min-width: 760px;
    width: 100%;
}

th {
    background: var(--navy);
    color: #dce8eb;
    font-size: .76rem;
    letter-spacing: .08em;
    padding: 18px 22px;
    text-align: left;
    text-transform: uppercase;
}

td {
    border-bottom: 1px solid var(--line);
    color: var(--muted);
    padding: 17px 22px;
}

td strong {
    color: var(--ink);
}

.pill {
    background: var(--mint);
    border-radius: 999px;
    color: #07685f;
    display: inline-block;
    font-size: .84rem;
    font-weight: 700;
    padding: 6px 10px;
}

.table-note {
    background: #fffaf1;
    color: #765622;
    font-size: .86rem;
    margin: 0;
    padding: 16px 22px;
}

.charge-layout {
    display: grid;
    gap: 24px;
    grid-template-columns: 1.25fr .75fr;
}

.charge-grid {
    display: grid;
    gap: 14px;
    grid-template-columns: repeat(3, 1fr);
}

.charge-grid article {
    background: white;
    border: 1px solid var(--line);
    border-radius: 14px;
    display: flex;
    flex-direction: column;
    min-height: 230px;
    padding: 24px;
}

.charge-grid article > span:not(.icon) {
    color: var(--muted);
    margin-top: auto;
    padding-top: 28px;
}

.charge-grid strong {
    color: var(--navy);
    font-family: Manrope, Arial, sans-serif;
    font-size: 1.4rem;
    margin-top: 5px;
}

.payment-card {
    background: var(--teal);
    border-radius: 14px;
    color: white;
    padding: 30px;
}

.payment-card .kicker {
    color: #a9ead6;
}

.payment-card h3 {
    font-family: Manrope, Arial, sans-serif;
    font-size: 1.65rem;
    margin: 12px 0;
}

.payment-card p:not(.kicker) {
    color: #d0eee6;
    line-height: 1.7;
}

.payment-card a {
    background: white;
    border-radius: 9px;
    color: var(--teal);
    display: block;
    font-weight: 700;
    margin-top: 20px;
    padding: 13px 15px;
    text-align: center;
    text-decoration: none;
}

.payment-card .text-link {
    background: transparent;
    color: white;
    font-size: .85rem;
    margin-top: 8px;
    padding: 8px;
    text-decoration: underline;
}

.notice {
    align-items: flex-start;
    background: #fff4df;
    border: 1px solid #f3d398;
    border-radius: 16px;
    display: flex;
    gap: 18px;
    margin: 55px 0 25px;
    padding: 28px;
}

.notice .icon {
    background: var(--amber);
    color: #4b3514;
}

.notice h3 {
    color: #4b3514;
    font-family: Manrope, Arial, sans-serif;
    margin: 0 0 6px;
}

.notice p {
    color: #775b32;
    margin: 0;
}

.form-grid {
    display: grid;
    gap: 20px;
    grid-template-columns: repeat(2, 1fr);
}

.form-card {
    background: white;
    border: 1px solid var(--line);
    border-radius: 16px;
    padding: 30px;
    position: relative;
}

.form-card.featured {
    border-top: 4px solid var(--teal);
}

.form-tag {
    color: var(--teal);
    font-size: .74rem;
    font-weight: 800;
    letter-spacing: .1em;
    text-transform: uppercase;
}

.form-card > .icon {
    position: absolute;
    right: 28px;
    top: 26px;
}

.form-card h3 {
    color: var(--navy);
    font-family: Manrope, Arial, sans-serif;
    font-size: 1.4rem;
    margin: 38px 0 8px;
}

.form-card p {
    color: var(--muted);
    min-height: 48px;
}

.form-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 10px;
    margin-top: 24px;
}

.form-actions a {
    border: 1px solid var(--line);
    border-radius: 8px;
    color: var(--teal);
    font-size: .88rem;
    font-weight: 700;
    padding: 10px 14px;
    text-decoration: none;
}

.site-footer {
    background: #061f2e;
    color: white;
    padding: 34px 0;
}

.site-footer .shell {
    display: flex;
    justify-content: space-between;
}

.site-footer span {
    color: #9cb2bc;
    font-size: .84rem;
}

.site-footer a {
    color: #7ee1c2;
    font-weight: 700;
    text-decoration: none;
}

@media (max-width: 900px) {
    .overview,
    .charge-layout {
        grid-template-columns: 1fr;
    }

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

    .section-heading {
        align-items: flex-start;
        flex-direction: column;
        gap: 10px;
    }
}

@media (max-width: 720px) {
    .header-inner {
        min-height: 70px;
    }

    .brand img {
        width: min(330px, 68vw);
    }

    .main-nav a {
        display: none;
    }

    .main-nav .contact-link {
        display: block;
    }
}

@media (max-width: 640px) {
    .shell {
        padding-left: 18px;
        padding-right: 18px;
    }

    .hero {
        padding: 72px 0 52px;
    }

    .hero-stats {
        gap: 20px;
        justify-content: space-between;
    }

    .hero-stats strong {
        font-size: 1rem;
    }

    .hero-stats span {
        font-size: .7rem;
    }

    .overview {
        gap: 44px;
        padding: 70px 0 45px;
    }

    .overview-image,
    .overview-image img {
        height: 270px;
        min-height: 270px;
    }

    .reminder-grid,
    .charge-grid,
    .form-grid {
        grid-template-columns: 1fr;
    }

    .reminder-card {
        min-height: 150px;
    }

    .reminder-card p {
        margin-top: 24px;
    }

    .charge-grid article {
        min-height: 170px;
    }

    .site-footer .shell {
        flex-direction: column;
        gap: 20px;
    }
}