:root {
  --page: #F7F8FA;
  --navy: #0D2149;
  --amber: #E8A317;
  --ink: #1A2332;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--page);
  color: var(--ink);
  font-family: "Open Sans", sans-serif;
  font-size: 16px;
  line-height: 1.75;
}

a {
  color: inherit;
  text-decoration: none;
}

.container {
  width: min(1120px, calc(100% - 40px));
  margin: 0 auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: var(--navy);
  border-bottom: 3px solid var(--amber);
}

.header-inner {
  min-height: 76px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
}

.brand {
  color: var(--page);
  font-family: "Poppins", sans-serif;
  font-size: 24px;
  font-weight: 800;
  letter-spacing: -1px;
}

.brand span {
  color: var(--amber);
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 26px;
  font-size: 14px;
  font-weight: 700;
}

.main-nav a {
  color: var(--page);
  border-bottom: 2px solid var(--navy);
  transition: border-color 180ms ease, color 180ms ease;
}

.main-nav a:hover,
.main-nav a:focus-visible {
  color: var(--amber);
  border-color: var(--amber);
}

.header-cta,
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  transition: transform 180ms ease, background-color 180ms ease, color 180ms ease;
}

.header-cta {
  padding: 9px 16px;
  background: var(--amber);
  color: var(--navy);
  font-size: 13px;
}

.header-cta:hover,
.header-cta:focus-visible,
.button:hover,
.button:focus-visible {
  transform: translateY(-2px);
}

.steps-section,
.hero-section,
.refusal-section,
.contact-section {
  padding: 100px 0;
}

.steps-section {
  background: var(--page);
}

.section-intro {
  max-width: 760px;
  margin-bottom: 46px;
}

.eyebrow {
  margin: 0 0 14px;
  color: var(--amber);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
}

h1,
h2,
h3 {
  margin-top: 0;
  color: var(--navy);
  font-family: "Poppins", sans-serif;
  line-height: 1.18;
}

h1 {
  max-width: 720px;
  margin-bottom: 26px;
  font-size: clamp(35px, 5vw, 64px);
  font-weight: 800;
  letter-spacing: -2px;
}

h2 {
  margin-bottom: 22px;
  font-size: clamp(28px, 3.5vw, 43px);
  font-weight: 800;
  letter-spacing: -1.2px;
}

h3 {
  margin-bottom: 13px;
  font-size: 20px;
  font-weight: 700;
}

p {
  margin-top: 0;
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}

.step-card {
  min-height: 278px;
  padding: 29px 25px 24px;
  border: 1px solid var(--navy);
  background: var(--page);
}

.step-card:nth-child(2),
.step-card:nth-child(4) {
  border-color: var(--amber);
}

.step-card p {
  margin-bottom: 0;
  font-size: 14px;
  line-height: 1.75;
}

.step-mark {
  display: inline-block;
  margin-bottom: 38px;
  color: var(--amber);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
}

.hero-section {
  padding-top: 112px;
  background: var(--navy);
}

.hero-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(300px, 0.85fr);
  align-items: center;
  gap: 66px;
}

.hero-section h1,
.hero-section .hero-text,
.hero-section .signature {
  color: var(--page);
}

.hero-text {
  max-width: 680px;
  margin-bottom: 31px;
  font-size: 18px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
}

.button {
  min-height: 52px;
  padding: 0 22px;
  border: 1px solid var(--amber);
}

.button-solid {
  background: var(--amber);
  color: var(--navy);
}

.button-ghost {
  background: var(--navy);
  color: var(--page);
}

.button-ghost:hover,
.button-ghost:focus-visible {
  background: var(--amber);
  color: var(--navy);
}

.signature {
  margin: 34px 0 0;
  font-family: "Poppins", sans-serif;
  font-size: 18px;
  font-weight: 600;
}

.image-frame {
  padding: 12px;
  border: 1px solid var(--amber);
}

.image-frame img {
  display: block;
  width: 100%;
  min-height: 360px;
  object-fit: cover;
}

.image-caption {
  margin: 17px 0 0;
  color: var(--amber);
  font-size: 13px;
  line-height: 1.6;
}

.stats-section {
  background: var(--amber);
}

.stats-bar {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}

.stat-item {
  min-height: 150px;
  margin: 0;
  padding: 31px 27px;
  border-right: 1px solid var(--navy);
}

.stat-item:first-child {
  border-left: 1px solid var(--navy);
}

.stat-item strong {
  display: block;
  color: var(--navy);
  font-family: "Poppins", sans-serif;
  font-size: 29px;
  font-weight: 800;
  line-height: 1.2;
}

.stat-item figcaption {
  margin-top: 8px;
  color: var(--navy);
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
}

.refusal-section {
  border-bottom: 1px solid var(--navy);
}

.refusal-layout {
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 70px;
  align-items: start;
}

.refusal-layout .eyebrow {
  margin-top: 8px;
}

.refusal-layout p:last-child {
  max-width: 760px;
  margin-bottom: 0;
  font-size: 18px;
}

.contact-section {
  padding-bottom: 0;
  background: var(--navy);
}

.contact-layout {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 90px;
}

.contact-section h2,
.contact-section p,
.contact-section address,
.contact-section a {
  color: var(--page);
}

.contact-copy p:last-child {
  max-width: 680px;
  margin-bottom: 0;
}

.contact-details {
  border-top: 1px solid var(--amber);
}

.detail-block {
  padding: 21px 0;
  border-bottom: 1px solid var(--amber);
}

.detail-block span {
  display: block;
  margin-bottom: 5px;
  color: var(--amber);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.2px;
  text-transform: uppercase;
}

.detail-block address {
  font-style: normal;
}

.detail-block a {
  font-weight: 700;
  border-bottom: 1px solid var(--navy);
  transition: color 180ms ease, border-color 180ms ease;
}

.detail-block a:hover,
.detail-block a:focus-visible {
  color: var(--amber);
  border-color: var(--amber);
}

.site-footer {
  margin-top: 92px;
  border-top: 1px solid var(--amber);
}

.footer-inner {
  display: flex;
  justify-content: space-between;
  gap: 28px;
  padding: 25px 0;
  color: var(--page);
  font-size: 13px;
}

.footer-inner p {
  margin: 0;
}

.footer-inner a {
  color: var(--amber);
  font-weight: 700;
}

.privacy {
  padding: 34px 0 38px;
  background: var(--page);
  border-top: 1px solid var(--amber);
}

.privacy h2 {
  margin-bottom: 12px;
  font-size: 20px;
}

.privacy p {
  max-width: 860px;
  margin-bottom: 0;
  font-size: 13px;
  line-height: 1.7;
}

@media (max-width: 850px) {
  .steps-section,
  .hero-section,
  .refusal-section,
  .contact-section {
    padding-top: 72px;
    padding-bottom: 72px;
  }

  .hero-layout,
  .contact-layout,
  .refusal-layout {
    grid-template-columns: 1fr;
    gap: 42px;
  }

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

  .refusal-layout .eyebrow {
    margin-bottom: 0;
  }

  .site-footer {
    margin-top: 70px;
  }
}

@media (max-width: 620px) {
  .container {
    width: min(100% - 30px, 1120px);
  }

  .header-inner {
    min-height: 67px;
    gap: 14px;
  }

  .main-nav {
    display: none;
  }

  .brand {
    font-size: 22px;
  }

  .header-cta {
    padding: 8px 11px;
    font-size: 12px;
  }

  h1 {
    letter-spacing: -1.3px;
  }

  .steps-section,
  .hero-section,
  .refusal-section,
  .contact-section {
    padding-top: 58px;
    padding-bottom: 58px;
  }

  .steps-grid,
  .stats-bar {
    grid-template-columns: 1fr;
  }

  .step-card {
    min-height: auto;
  }

  .stat-item,
  .stat-item:first-child {
    min-height: auto;
    border-left: 1px solid var(--navy);
    border-right: 1px solid var(--navy);
    border-bottom: 1px solid var(--navy);
  }

  .stat-item:first-child {
    border-top: 1px solid var(--navy);
  }

  .image-frame img {
    min-height: 250px;
  }

  .footer-inner {
    flex-direction: column;
    gap: 8px;
  }
}