:root{
  --paper:#F6F7F5;
  --sheet:#FFFFFF;
  --ink:#15212F;
  --ink-2:#3A4654;
  --muted:#5A6672;
  --rule:#D5DBD9;
  --teal:#1C6B66;
  --teal-dark:#14514D;
  --teal-tint:#E4EFED;
  --serif:"Libre Caslon Text",Georgia,"Times New Roman",serif;
  --sans:"Public Sans",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;
  --wrap:1120px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.6}
img,svg{display:block}
a{color:var(--teal)}
a:hover{color:var(--teal-dark)}
:focus-visible{outline:2px solid var(--teal);outline-offset:3px;border-radius:2px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:16px;top:12px;background:var(--sheet);padding:8px 12px;z-index:10}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}

h1,h2,h3{font-family:var(--serif);font-weight:400;color:var(--ink);margin:0;text-wrap:balance}
h1{font-size:46px;line-height:1.12;letter-spacing:-.01em}
h2{font-size:31px;line-height:1.2}
h3{font-size:21px;line-height:1.3}
p{margin:0 0 1em}
.lead{font-size:19px;line-height:1.6;color:var(--ink-2);max-width:62ch}
.prose{max-width:68ch}
.prose h2{margin:44px 0 12px}
.prose h3{margin:28px 0 8px}
.prose ul,.prose ol{padding-left:22px;margin:0 0 1em}
.prose li{margin-bottom:6px}
.muted{color:var(--muted)}
.small{font-size:15px}

/* header */
.site-head{background:var(--paper);border-bottom:1px solid var(--rule)}
.site-head .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:76px}
.brand{display:flex;align-items:center;text-decoration:none}
.brand img{height:44px;width:auto}
.brand-name{font-family:var(--serif);font-size:21px;line-height:1.1}
.brand-name span{display:block;font-family:var(--sans);font-size:12.5px;color:var(--muted);letter-spacing:.02em;margin-top:3px}
.nav{display:flex;align-items:center;gap:26px}
.nav a{color:var(--ink);text-decoration:none;font-size:15.5px}
.nav a:hover,.nav a[aria-current="page"]{color:var(--teal)}
.nav a[aria-current="page"]{text-decoration:underline;text-underline-offset:6px;text-decoration-thickness:1px}
.btn{display:inline-block;font-family:var(--sans);font-weight:600;font-size:16px;text-decoration:none;padding:12px 20px;border-radius:6px;border:1px solid var(--teal);line-height:1.2}
.btn-primary{background:var(--teal);color:#fff}
.btn-primary:hover{background:var(--teal-dark);border-color:var(--teal-dark);color:#fff}
.btn-quiet{background:transparent;color:var(--teal)}
.btn-quiet:hover{background:var(--teal-tint)}
.nav .btn{padding:9px 16px;font-size:15px;color:#fff}
.menu-btn{display:none}

/* hero */
.hero{padding:64px 0 72px}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero h1{max-width:17ch;margin-bottom:20px}
.hero .lead{margin-bottom:28px}
.actions{display:flex;flex-wrap:wrap;gap:12px}

/* the terms sheet */
.sheet{position:relative;background:var(--sheet);border:1px solid var(--rule);border-radius:3px;padding:30px 32px 26px;box-shadow:0 1px 0 var(--rule),8px 8px 0 -1px var(--paper),8px 8px 0 0 var(--rule)}
.sheet-head{border-bottom:2px solid var(--ink);padding-bottom:12px;margin-bottom:6px}
.sheet-head h2{font-size:22px}
.sheet-head span{display:block;font-size:13.5px;color:var(--muted);margin-top:4px}
.terms{margin:0}
.terms div{display:grid;grid-template-columns:128px 1fr;gap:16px;padding:12px 0;border-bottom:1px solid var(--rule)}
.terms dt{font-size:14px;font-weight:600;color:var(--muted);padding-top:2px}
.terms dd{margin:0;font-size:16px;line-height:1.5}
.sign{display:flex;justify-content:space-between;align-items:flex-end;gap:16px;margin-top:22px}
.sign-name{font-family:var(--serif);font-style:italic;font-size:24px;line-height:1;border-bottom:1px solid var(--ink);padding:0 28px 8px 0}
.sign-role{font-size:13px;color:var(--muted);margin-top:6px}
.sign-note{font-size:13px;color:var(--muted);text-align:right;max-width:20ch}

/* sections */
.band{padding:72px 0;border-top:1px solid var(--rule)}
.band-white{background:var(--sheet)}
.band-head{max-width:62ch;margin-bottom:36px}
.band-head h2{margin-bottom:10px}
.band-head p{color:var(--ink-2);margin:0}

.types{display:grid;grid-template-columns:repeat(3,1fr);gap:40px}
.type svg{width:72px;height:56px;color:var(--teal);margin-bottom:16px}
.type h3{margin-bottom:8px}
.type p{color:var(--ink-2);margin:0}

.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(5,1fr);gap:28px;counter-reset:step}
.steps li{counter-increment:step;border-top:2px solid var(--ink);padding-top:16px}
.steps li::before{content:counter(step);display:block;font-family:var(--serif);font-size:34px;line-height:1;color:var(--teal);margin-bottom:12px}
.steps h3{font-size:19px;margin-bottom:8px}
.steps p{font-size:15.5px;color:var(--ink-2);margin:0}

.compare{width:100%;border-collapse:collapse;background:var(--sheet);border:1px solid var(--rule)}
.compare th,.compare td{text-align:left;vertical-align:top;padding:16px 20px;border-bottom:1px solid var(--rule);font-size:16px;line-height:1.5}
.compare thead th{font-family:var(--serif);font-weight:400;font-size:21px;border-bottom:2px solid var(--ink);background:var(--sheet)}
.compare tbody th{font-weight:600;font-size:14px;color:var(--muted);width:22%}
.compare tr:last-child th,.compare tr:last-child td{border-bottom:0}

.owner{display:grid;grid-template-columns:180px 1fr;gap:44px;align-items:start}
.seal{width:160px;height:160px;color:var(--ink)}
.owner h2{margin-bottom:12px}
.owner .prose>:first-child{margin-top:0}
.contact-lines,.prose .contact-lines{list-style:none;padding:0;margin:20px 0 0}
.contact-lines li{padding:8px 0;border-top:1px solid var(--rule)}
.contact-lines li:last-child{border-bottom:1px solid var(--rule)}
.contact-lines b{display:inline-block;min-width:110px;font-size:14px;color:var(--muted);font-weight:600}

.cta{background:var(--ink);color:#E9EEF0;padding:64px 0}
.cta .wrap{display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap}
.cta h2{color:#fff;margin-bottom:8px}
.cta p{margin:0;max-width:52ch}
.cta .btn-primary{background:#fff;color:var(--ink);border-color:#fff}
.cta .btn-primary:hover{background:var(--teal-tint);border-color:var(--teal-tint);color:var(--ink)}
.cta .btn-quiet{color:#fff;border-color:#8FA3AE}
.cta .btn-quiet:hover{background:rgba(255,255,255,.08)}

/* inner pages */
.page-head{padding:56px 0 40px}
.page-head h1{margin-bottom:14px;max-width:20ch}
.page-body{padding:8px 0 80px}
.head-actions{margin-top:24px}
.stack-only{display:none}
.split{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:56px;align-items:start}
.aside .sheet{position:sticky;top:24px}
.aside .terms div{grid-template-columns:1fr;gap:2px}
.aside .sign{flex-direction:column;align-items:flex-start}
.aside .sign-note{text-align:left;max-width:none}

.faq{max-width:72ch}
.faq details{border-top:1px solid var(--rule);padding:4px 0}
.faq details:last-child{border-bottom:1px solid var(--rule)}
.faq summary{cursor:pointer;list-style:none;font-family:var(--serif);font-size:20px;padding:16px 36px 16px 0;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:12px;font-family:var(--sans);font-size:24px;color:var(--teal)}
.faq details[open] summary::after{content:"\2212"}
.faq details p{color:var(--ink-2);margin:0 0 18px;max-width:66ch}

.form-box{background:var(--sheet);border:1px solid var(--rule);border-radius:3px;padding:8px;min-height:1020px}
.form-box iframe{width:100%;min-height:1000px;border:0}

/* footer */
.site-foot{background:var(--paper);border-top:1px solid var(--rule);padding:48px 0 40px;font-size:15px;color:var(--muted)}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px}
.site-foot h3{font-size:17px;margin-bottom:10px}
.site-foot ul{list-style:none;padding:0;margin:0}
.site-foot li{margin-bottom:6px}
.site-foot a{color:var(--ink-2);text-decoration:none}
.site-foot a:hover{color:var(--teal);text-decoration:underline}
.disclose{border-top:1px solid var(--rule);margin-top:32px;padding-top:18px;font-size:13.5px;max-width:90ch}

/* preview-only placeholders */
.todo{background:#FFF1B8;color:#5C4500;padding:1px 6px;border-radius:3px;font-size:.92em}

/* one orchestrated moment: the terms fill in on first load */
@media (prefers-reduced-motion:no-preference){
  .sheet .terms div{opacity:0;transform:translateY(4px);animation:fill .45s ease-out forwards}
  .sheet .terms div:nth-child(1){animation-delay:.15s}
  .sheet .terms div:nth-child(2){animation-delay:.25s}
  .sheet .terms div:nth-child(3){animation-delay:.35s}
  .sheet .terms div:nth-child(4){animation-delay:.45s}
  .sheet .terms div:nth-child(5){animation-delay:.55s}
  .sheet .terms div:nth-child(6){animation-delay:.65s}
  .sheet .sign{opacity:0;animation:fill .5s ease-out .85s forwards}
}
@keyframes fill{to{opacity:1;transform:none}}

@media (max-width:980px){
  .hero .wrap,.split{grid-template-columns:1fr}
  .aside .sheet{position:static}
  .stack-only{display:inline-block}
  .steps{grid-template-columns:1fr 1fr}
  .types{grid-template-columns:1fr;gap:28px}
  .type{display:grid;grid-template-columns:84px 1fr;gap:4px 16px}
  .type svg{grid-row:span 2;margin:0}
}
@media (max-width:940px){
  html{scroll-padding-top:84px}
  /* header: one compact row, sticky, with a Menu button */
  .site-head{position:sticky;top:0;z-index:30}
  .site-head .wrap{flex-wrap:wrap;min-height:64px;padding-top:10px;padding-bottom:10px;gap:0 12px}
  .nav{flex-wrap:wrap;gap:10px 18px;width:100%;padding-top:12px}
  .js .menu-btn{display:inline-flex;align-items:center;gap:10px;min-height:44px;padding:0 14px;margin-right:-4px;border:1px solid var(--rule);border-radius:6px;background:var(--sheet);color:var(--ink);font:600 15px/1 var(--sans);cursor:pointer}
  .menu-icon,.menu-icon::before,.menu-icon::after{display:block;width:16px;height:1.5px;background:currentColor;border-radius:1px;transition:transform .2s ease,background-color .2s ease}
  .menu-icon{position:relative}
  .menu-icon::before,.menu-icon::after{content:"";position:absolute;left:0}
  .menu-icon::before{top:-5px}
  .menu-icon::after{top:5px}
  .open .menu-icon{background:transparent}
  .open .menu-icon::before{transform:translateY(5px) rotate(45deg)}
  .open .menu-icon::after{transform:translateY(-5px) rotate(-45deg)}
  .js .nav{display:none}
  .js .open .nav{display:flex;flex-direction:column;align-items:stretch;gap:0;margin-top:10px;padding:4px 0 8px;border-top:1px solid var(--rule)}
  .js .nav a{padding:13px 0;font-size:17px;border-bottom:1px solid var(--rule)}
  .js .nav a[aria-current="page"]{text-decoration:none;font-weight:600}
  .js .nav a.btn{margin-top:14px;padding:14px 16px;text-align:center;font-size:16px;border-bottom:1px solid var(--teal)}
  @media (prefers-reduced-motion:no-preference){.js .open .nav{animation:drop .18s ease-out}}
}
@media (max-width:760px){
  html{-webkit-tap-highlight-color:rgba(28,107,102,.14)}
  body{font-size:16.5px}
  h1{font-size:clamp(29px,8.6vw,34px)}
  h2{font-size:clamp(23px,6.6vw,26px)}
  h3{font-size:20px}
  .wrap{padding:0 20px}
  .lead{font-size:17.5px}

  .brand img{height:36px}

  .hero{padding:36px 0 48px}
  .hero h1{margin-bottom:16px}
  .hero .lead{margin-bottom:24px}
  .page-head{padding:36px 0 28px}
  .page-body{padding:4px 0 56px}
  .band{padding:52px 0}
  .band-head{margin-bottom:28px}
  .btn{white-space:normal;overflow-wrap:break-word}
  .sheet{padding:22px 18px 20px;box-shadow:0 1px 0 var(--rule),6px 6px 0 -1px var(--paper),6px 6px 0 0 var(--rule)}
  .terms div{grid-template-columns:1fr;gap:2px}
  .steps{grid-template-columns:1fr;gap:22px}
  .steps li{display:grid;grid-template-columns:40px 1fr;column-gap:12px;padding-top:14px}
  .steps li::before{grid-row:1 / span 2;margin:0;font-size:30px}
  .steps h3{margin-bottom:4px}
  .compare thead{display:none}
  .compare,.compare tbody,.compare tr,.compare th,.compare td{display:block;width:100%}
  .compare tr{border-bottom:1px solid var(--rule);padding:8px 0}
  .compare tbody th{padding:12px 16px 4px;border:0;width:auto}
  .compare td{padding:4px 16px 8px;border:0}
  .compare td::before{content:attr(data-col);display:block;font-weight:600;font-size:13.5px;color:var(--teal)}
  .owner{grid-template-columns:1fr;gap:20px}
  .seal{width:96px;height:96px}
  .contact-lines a{overflow-wrap:anywhere}
  .faq summary{font-size:18.5px;padding:15px 36px 15px 0}
  .faq summary::after{top:11px}
  .form-box{padding:0;margin:0 -4px;border:0;background:transparent}
  .cta{padding:52px 0}
  .site-foot{padding:40px 0 calc(32px + env(safe-area-inset-bottom))}
  .foot-grid{grid-template-columns:1fr;gap:24px}
  .foot-grid ul{display:grid;grid-template-columns:1fr 1fr;column-gap:20px}
  .foot-grid div:nth-child(2) ul{grid-template-columns:1fr}
  .site-foot li{margin:0}
  .site-foot li a{display:inline-block;padding:7px 0}
  .disclose{margin-top:24px}
  .sign{flex-direction:column;align-items:flex-start}
  .sign-note{text-align:left;max-width:none}
}
@media (max-width:520px){
  .actions{flex-direction:column}
  .actions .btn{width:100%;text-align:center;padding:14px 18px}
  .contact-lines b{display:block;min-width:0;margin-bottom:2px}
}
@keyframes drop{from{opacity:0;transform:translateY(-4px)}to{opacity:1;transform:none}}