:root {
  --cream: #fdf9f1;
  --cream-2: #f6efe1;
  --navy: #2a3a6b;
  --navy-deep: #1d2a52;
  --ink: #26304a;
  --muted: #5d6680;
  --line: #e4dccb;
  --serif: "Fraunces", Georgia, serif;
  --sans: "Montserrat", system-ui, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--cream);
  color: var(--ink);
  font: 16px/1.7 var(--sans);
}
img { max-width: 100%; display: block; }
a { color: var(--navy); }

.wrap { max-width: 1100px; margin: 0 auto; padding: 0 24px; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 10;
  background: rgba(253, 249, 241, .94);
  backdrop-filter: blur(6px);
  border-bottom: 1px solid var(--line);
}
.site-header .wrap {
  display: flex; align-items: center; justify-content: space-between;
  gap: 16px; padding-top: 10px; padding-bottom: 10px; flex-wrap: wrap;
}
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy); }
.brand img { width: 52px; height: 52px; }
.brand span { font: 600 13px var(--sans); letter-spacing: .22em; text-transform: uppercase; }
.nav { display: flex; gap: 22px; flex-wrap: wrap; }
.nav a { text-decoration: none; font-size: 14px; font-weight: 500; color: var(--ink); }
.nav a:hover { color: var(--navy); text-decoration: underline; text-underline-offset: 4px; }

/* Hero */
.hero { padding: 72px 0 80px; }
.hero .wrap { display: grid; grid-template-columns: 1.2fr 1fr; gap: 48px; align-items: center; }
.eyebrow { font-size: 12px; font-weight: 600; letter-spacing: .24em; text-transform: uppercase; color: var(--muted); margin: 0 0 16px; }
h1, h2, h3 { font-family: var(--serif); color: var(--navy); font-weight: 600; line-height: 1.2; margin: 0 0 16px; }
h1 { font-size: clamp(36px, 5vw, 54px); }
h2 { font-size: clamp(28px, 3.5vw, 38px); }
h3 { font-size: 21px; }
.lead { font-size: 18px; color: var(--muted); max-width: 54ch; }
.hero-logo { max-width: 420px; margin-left: auto; }

.btn {
  display: inline-block; padding: 13px 26px; border-radius: 999px;
  background: var(--navy); color: var(--cream); text-decoration: none;
  font-weight: 600; font-size: 15px; border: 2px solid var(--navy);
}
.btn:hover { background: var(--navy-deep); }
.btn.ghost { background: transparent; color: var(--navy); }
.btn.ghost:hover { background: var(--cream-2); }
.actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 28px; }

/* Sections */
section { padding: 80px 0; }
section.alt { background: var(--cream-2); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-head { max-width: 640px; margin-bottom: 44px; }

.grid { display: grid; gap: 22px; }
.grid.three { grid-template-columns: repeat(3, 1fr); }
.grid.two { grid-template-columns: repeat(2, 1fr); }
.card {
  background: var(--cream); border: 1px solid var(--line); border-radius: 14px;
  padding: 28px;
}
.card p { margin: 0; color: var(--muted); font-size: 15px; }
.card .num { font: 600 13px var(--sans); letter-spacing: .2em; color: var(--muted); margin-bottom: 10px; }

.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; }
.facts { list-style: none; padding: 0; margin: 0; }
.facts li { padding: 14px 0; border-bottom: 1px solid var(--line); display: flex; justify-content: space-between; gap: 16px; }
.facts li b { font-weight: 600; color: var(--navy); }
.facts li span { text-align: right; color: var(--muted); }

/* Placeholder marker: replace every .fill before going live */
.fill { background: #fff1b8; color: #6b4e00; padding: 0 4px; border-radius: 3px; }

/* Footer */
.site-footer { background: var(--navy); color: #d9deec; padding: 48px 0 32px; font-size: 14px; }
.site-footer a { color: #fff; }
.site-footer .cols { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 32px; }
.site-footer h4 { font: 600 12px var(--sans); letter-spacing: .2em; text-transform: uppercase; color: #fff; margin: 0 0 12px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 6px; }
.site-footer .legal { border-top: 1px solid rgba(255,255,255,.15); margin-top: 32px; padding-top: 20px; }

/* Policy pages */
.doc { padding: 64px 0 80px; }
.doc .wrap { max-width: 780px; }
.doc h2 { font-size: 24px; margin-top: 40px; }
.doc .updated { color: var(--muted); font-size: 14px; }

@media (max-width: 860px) {
  .hero .wrap, .about-grid, .grid.three, .grid.two, .site-footer .cols { grid-template-columns: 1fr; }
  .hero-logo { margin: 0 auto; max-width: 300px; order: -1; }
  .hero { padding-top: 40px; }
  section { padding: 56px 0; }
}
@media (max-width: 480px) {
  .wrap { padding: 0 16px; }
  .brand span { display: none; }
  .nav { gap: 14px; }
  .facts li { flex-direction: column; gap: 2px; }
  .facts li span { text-align: left; }
}