:root {
  --paper: #f3efe6;
  --paper-2: #e7e1d6;
  --sheet: #fffcf7;
  --ink: #172033;
  --ink-soft: #3e4b5e;
  --muted: #5c6b62;
  --line: #d9d0c3;
  --line-strong: #c9bba8;
  --green: #143d32;
  --green-deep: #0e2c25;
  --brass: #6f532c;
  --brass-line: #a48455;
  --danger: #7a3030;
  --sans: "IBM Plex Sans", "Helvetica Neue", Helvetica, Arial, sans-serif;
  --serif: "Source Serif 4", "Iowan Old Style", Palatino, "Palatino Linotype", serif;
  --shadow: 0 22px 50px rgba(23, 32, 51, 0.08);
  --header: 4.5rem;
  --max: 1120px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background:
    radial-gradient(ellipse at 0% -10%, rgba(20, 61, 50, 0.05), transparent 46%),
    radial-gradient(ellipse at 100% 0%, rgba(164, 132, 85, 0.08), transparent 36%),
    var(--paper);
  font-family: var(--sans);
  font-size: 1.0625rem;
  line-height: 1.6;
}
img { max-width: 100%; }
a { color: inherit; }
button, input, select, textarea { font: inherit; color: inherit; }
::selection { background: #d7e5df; }

.skip {
  position: absolute;
  left: 1rem;
  top: -3rem;
  background: var(--ink);
  color: var(--sheet);
  padding: 0.5rem 0.8rem;
  z-index: 20;
}
.skip:focus { top: 0.5rem; }
[id] { scroll-margin-top: 5.25rem; }

.wrap {
  width: min(var(--max), calc(100% - 2.5rem));
  margin-inline: auto;
}
.wrap-narrow { width: min(760px, calc(100% - 2.5rem)); margin-inline: auto; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  height: var(--header);
  background: rgba(243, 239, 230, 0.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid transparent;
}
.site-header.is-scrolled { border-bottom-color: var(--line); }
.header-inner {
  height: 100%;
  display: flex;
  align-items: center;
  gap: 1.5rem;
}
.brand {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
  margin-right: auto;
}
.brand-mark { display: block; }
.brand-name {
  font-family: var(--serif);
  font-size: 1.35rem;
  letter-spacing: -0.02em;
  line-height: 1;
}
.brand-name span {
  display: block;
  margin-top: 0.2rem;
  font-family: var(--sans);
  font-size: 0.68rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--brass);
}

.nav-toggle {
  display: none;
  border: 1px solid var(--line-strong);
  background: transparent;
  padding: 0.4rem 0.7rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-size: 0.75rem;
}
.site-nav { display: flex; align-items: center; gap: 1.4rem; }
.site-nav a {
  text-decoration: none;
  color: var(--ink-soft);
  font-size: 0.95rem;
}
.site-nav a:hover { color: var(--ink); }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  text-decoration: none;
  border: 1px solid var(--green);
  background: var(--green);
  color: #f4f7f5;
  padding: 0.8rem 1.1rem;
  min-height: 2.9rem;
  cursor: pointer;
  letter-spacing: 0.01em;
}
.btn:hover { background: var(--green-deep); }
.btn-ghost {
  background: transparent;
  color: var(--ink);
  border-color: var(--ink);
}
.btn-ghost:hover { background: rgba(23, 32, 51, 0.04); }
.btn-light {
  background: var(--paper);
  color: var(--green-deep);
  border-color: var(--paper);
}
.btn-light:hover { background: white; }
.header-cta { padding: 0.55rem 0.85rem; min-height: 0; font-size: 0.92rem; }
.site-nav a.btn,
.site-nav a.btn:hover { color: #f4f7f5; }

.hero { padding: 4.5rem 0 3.2rem; }
.hero-grid {
  display: grid;
  grid-template-columns: 1.08fr 0.92fr;
  gap: 4rem;
  align-items: end;
}
.kicker {
  margin: 0 0 1rem;
  color: var(--brass);
  font-size: 0.78rem;
  font-weight: 500;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}
h1, h2, h3 { font-family: var(--serif); font-weight: 560; letter-spacing: -0.02em; }
h1 {
  margin: 0;
  font-size: clamp(2.7rem, 5.4vw, 4.5rem);
  line-height: 1.04;
  font-weight: 560;
}
.lede {
  max-width: 38rem;
  margin: 1.25rem 0 0;
  font-size: 1.12rem;
  color: var(--ink-soft);
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 0.75rem; margin-top: 1.8rem; }

.promise {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  margin-top: 3.2rem;
}
.promise div { padding: 1rem 1.1rem 1.05rem 0; }
.promise div + div { padding-left: 1.1rem; border-left: 1px solid var(--line); }
.promise strong { display: block; font-weight: 560; font-size: 0.98rem; }
.promise span { display: block; margin-top: 0.2rem; color: var(--muted); font-size: 0.92rem; }

.statement {
  background: var(--sheet);
  border: 1px solid var(--line-strong);
  box-shadow: var(--shadow);
  padding: 1.35rem 1.4rem 1.2rem;
}
.statement-top {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  padding-bottom: 0.9rem;
  border-bottom: 1px solid var(--line);
  margin-bottom: 0.4rem;
}
.statement-top p { margin: 0; }
.statement .eyebrow {
  font-size: 0.72rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--brass);
}
.statement h2 {
  margin: 0.25rem 0 0;
  font-size: 1.55rem;
}
.statement-meta { text-align: right; font-size: 0.92rem; color: var(--ink-soft); }
.statement-meta strong { color: var(--ink); font-weight: 560; }
.lines { width: 100%; border-collapse: collapse; font-variant-numeric: tabular-nums; }
.lines th {
  text-align: left;
  font-weight: 500;
  font-size: 0.75rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--muted);
  padding: 0.7rem 0 0.35rem;
}
.lines td { padding: 0.42rem 0.4rem 0.42rem 0; vertical-align: top; }
.lines td:last-child, .lines th:last-child { text-align: right; padding-right: 0; }
.lines .sub { display: block; color: var(--muted); font-size: 0.86rem; }
.totals { margin-top: 0.4rem; border-top: 1px solid var(--ink); padding-top: 0.7rem; }
.totals div { display: flex; justify-content: space-between; gap: 1rem; font-variant-numeric: tabular-nums; }
.totals .due { margin-top: 0.35rem; font-family: var(--serif); font-size: 1.35rem; }
.sample-note { margin: 0.9rem 0 0; color: var(--muted); font-size: 0.82rem; }

.section { padding: 5rem 0; }
.section-head { max-width: 40rem; margin-bottom: 2.2rem; }
.section-head h2, .band h2 { margin: 0; font-size: clamp(2rem, 3vw, 2.7rem); line-height: 1.15; }
.section-head p:last-child { margin: 0.8rem 0 0; color: var(--ink-soft); }

.product-grid, .control-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
}
.product, .control {
  background: rgba(255, 252, 247, 0.72);
  padding: 1.5rem 1.4rem 1.4rem;
}
.product span, .step em {
  display: block;
  color: var(--brass);
  font-style: normal;
  font-size: 0.78rem;
  letter-spacing: 0.14em;
}
.product h3, .control h3 { margin: 0.45rem 0 0.4rem; font-size: 1.55rem; }
.product p, .control p { margin: 0; color: var(--ink-soft); }

.rate-layout {
  display: grid;
  grid-template-columns: 1.4fr 0.8fr;
  gap: 2.5rem;
  align-items: start;
}
.schedule {
  width: 100%;
  border-collapse: collapse;
  background: var(--sheet);
  border: 1px solid var(--line-strong);
  font-variant-numeric: tabular-nums;
}
.schedule caption {
  text-align: left;
  padding: 1rem 1.1rem;
  font-family: var(--serif);
  font-size: 1.35rem;
  caption-side: top;
}
.schedule th, .schedule td {
  text-align: left;
  padding: 0.85rem 1.1rem;
  border-top: 1px solid var(--line);
  vertical-align: top;
}
.schedule th {
  font-size: 0.75rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--muted);
  font-weight: 500;
}
.schedule td:last-child, .schedule th:last-child { text-align: right; white-space: nowrap; }
.schedule tr.zero td { color: var(--green); }
.footnotes { margin: 0.9rem 0 0; padding-left: 1.1rem; color: var(--muted); font-size: 0.9rem; }
.footnotes li + li { margin-top: 0.35rem; }
.aside {
  border-top: 2px solid var(--green);
  padding-top: 1rem;
}
.aside h3 { margin: 0 0 0.8rem; font-size: 1.4rem; }
.aside ul { list-style: none; margin: 0; padding: 0; }
.aside li {
  padding: 0.7rem 0;
  border-bottom: 1px solid var(--line);
}
.aside li strong { display: block; font-weight: 560; }
.aside li span { color: var(--muted); font-size: 0.92rem; }

.band {
  background: var(--green);
  color: #f3efe6;
}
.band .kicker { color: #d7b98a; }
.band .section-head p, .steps p, .form-note { color: #d5e0da; }
.agreement-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 3rem;
}
.steps { list-style: none; margin: 0; padding: 0; }
.steps li { display: grid; grid-template-columns: auto 1fr; gap: 0.9rem; padding: 0.95rem 0; border-top: 1px solid rgba(243, 239, 230, 0.18); }
.steps em { color: #d7b98a; padding-top: 0.2rem; }
.steps h3 { margin: 0; font-size: 1.25rem; color: #f7f4ee; }
.steps p { margin: 0.2rem 0 0; }

.review-form { display: grid; gap: 0.85rem; }
.field { display: grid; gap: 0.3rem; }
.field span { font-size: 0.86rem; color: #e4ece8; }
.field input, .field select, .field textarea {
  width: 100%;
  background: #f7f4ee;
  color: var(--ink);
  border: 1px solid transparent;
  padding: 0.75rem 0.8rem;
}
.field textarea { min-height: 7rem; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: 2px solid #d7b98a;
  outline-offset: 1px;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0.85rem; }
.form-status { min-height: 1.4rem; margin: 0; color: #f3efe6; }
.form-note { margin: 0.2rem 0 0; font-size: 0.9rem; }
.form-note a { color: #f3efe6; }

.docs {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  margin-top: 2.6rem;
}
.docs article {
  border-top: 1px solid rgba(243, 239, 230, 0.25);
  padding-top: 0.8rem;
}
.docs h3 { margin: 0; font-size: 1.15rem; }
.docs p { margin: 0.35rem 0 0; color: #d5e0da; font-size: 0.92rem; }

.site-footer {
  padding: 2.2rem 0 2.6rem;
  border-top: 1px solid var(--line);
  color: var(--ink-soft);
}
.footer-grid {
  display: flex;
  justify-content: space-between;
  gap: 2rem;
}
.site-footer strong { color: var(--ink); font-weight: 560; }
.site-footer p { margin: 0.25rem 0; }
.footer-links { display: flex; gap: 1rem; align-items: start; }
.footer-links a { color: var(--ink); }
.fine { margin-top: 1.4rem; max-width: 46rem; color: var(--muted); font-size: 0.85rem; }

.legal { padding: 3.5rem 0 4.5rem; }
.legal h1 { margin: 0.3rem 0 0.4rem; font-size: clamp(2.2rem, 4vw, 3.2rem); }
.legal h2 { margin: 2rem 0 0.4rem; font-size: 1.45rem; }
.legal p, .legal li { color: var(--ink-soft); }
.legal ul { padding-left: 1.1rem; }

:focus-visible { outline: 2px solid var(--green); outline-offset: 3px; }

@media (max-width: 900px) {
  .hero-grid, .rate-layout, .agreement-grid, .product-grid, .control-grid, .promise, .form-row {
    grid-template-columns: 1fr;
  }
  .docs { grid-template-columns: 1fr 1fr; }
  .promise div + div { border-left: 0; padding-left: 0; border-top: 1px solid var(--line); }
  .hero { padding-top: 2.6rem; }
  .section { padding: 3.4rem 0; }
  .nav-toggle { display: inline-flex; }
  .site-nav {
    display: none;
    position: absolute;
    top: var(--header);
    left: 0;
    right: 0;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: var(--paper);
    border-bottom: 1px solid var(--line);
    padding: 0.4rem 1.25rem 1rem;
  }
  .site-nav.is-open { display: flex; }
  .site-nav a { padding: 0.75rem 0; border-top: 1px solid var(--line); }
  .header-cta { text-align: center; }
  .footer-grid { flex-direction: column; }
  .statement-top { flex-direction: column; }
  .statement-meta { text-align: left; }
}

@media (max-width: 560px) {
  .docs { grid-template-columns: 1fr; }
  .wrap { width: min(var(--max), calc(100% - 2rem)); }
  .hero-actions { flex-direction: column; align-items: stretch; }
  .hero-actions .btn { width: 100%; }
}

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