/* -----------------------------
   Design tokens / theme
------------------------------ */
:root{
  --bg: #f6f8fb;
  --surface: #ffffff;
  --text: #0b1f35;
  --muted: #5a6b7b;
  --border: #e6edf3;

  /* NN-ish palette (adjust to match your screenshot) */
  --brand: #ff6a00;
  --brand-ink: #ffffff;
  --ink: #0b1f35;
  --accent: #103a5f;

  --shadow: 0 10px 30px rgba(11,31,53,.10);
  --radius: 16px;

  --container: 1120px;
  --gutter: 20px;

  --font: ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial, "Apple Color Emoji","Segoe UI Emoji";
}

/* -----------------------------
   Base / reset
------------------------------ */
*{ box-sizing: border-box; }
html,body{ height:100%; }
body{
  margin:0;
  font-family: var(--font);
  color: var(--text);
  background: var(--bg);
  line-height: 1.45;
}

img{ max-width:100%; display:block; }
a{ color: inherit; }
h1,h2,h3{ line-height:1.15; margin:0 0 .5rem; }
p{ margin:0 0 .75rem; }

.sr-only{
  position:absolute;
  width:1px;height:1px;
  padding:0;margin:-1px;overflow:hidden;
  clip:rect(0,0,0,0);white-space:nowrap;border:0;
}

.container{
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 var(--gutter);
}

/* -----------------------------
   Topbar + Header
------------------------------ */
.topbar{
  background: #0a2a45;
  color: rgba(255,255,255,.92);
  font-size: .9rem;
}
.topbar__inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding: .55rem 0;
}
.topbar__hint{
  opacity:.9;
}
.topbar__actions{
  display:flex; gap: 14px;
}
.link{
  text-decoration:none;
  opacity:.92;
}
.link:hover{ opacity:1; text-decoration:underline; }

.header{
  background: var(--surface);
  border-bottom: 1px solid var(--border);
}
.header__inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap: 18px;
  padding: 14px 0;
}
.brand{
  display:flex;
  align-items:center;
  gap: 10px;
  text-decoration:none;
  font-weight: 700;
}
.brand__mark{
  width: 44px; height: 44px;
  display:grid; place-items:center;
  border-radius: 12px;
  background: var(--brand);
  color: var(--brand-ink);
  letter-spacing:.5px;
}
.brand__text{ font-size: 1.05rem; color: var(--ink); }

.nav{
  display:none;
  gap: 18px;
}
.nav__item{
  text-decoration:none;
  color: var(--ink);
  font-weight: 600;
  padding: 8px 10px;
  border-radius: 10px;
}
.nav__item:hover{
  background: rgba(16,58,95,.06);
}

.header__cta{ display:flex; gap: 10px; }

/* -----------------------------
   Hero
------------------------------ */
.hero{
  background:
    radial-gradient(1200px 600px at 10% -20%, rgba(255,106,0,.18), transparent 55%),
    radial-gradient(900px 500px at 90% 0%, rgba(16,58,95,.14), transparent 50%),
    linear-gradient(#ffffff, #ffffff);
  border-bottom: 1px solid var(--border);
}
.hero__inner{
  display:grid;
  grid-template-columns: 1fr;
  gap: 18px;
  padding: 26px 0 22px;
}
.eyebrow{
  display:inline-block;
  font-weight: 700;
  color: var(--accent);
  background: rgba(16,58,95,.08);
  padding: .25rem .6rem;
  border-radius: 999px;
  margin-bottom: .6rem;
}
.lead{
  color: var(--muted);
  max-width: 62ch;
}

/* Stepper */
.stepper{
  list-style:none;
  padding:0;
  margin: 18px 0 0;
  display:flex;
  flex-wrap:wrap;
  gap: 14px 18px;
}
.stepper__step{
  display:flex;
  align-items:center;
  gap: 10px;
  color: var(--muted);
  font-weight: 700;
}
.stepper__dot{
  width: 12px; height: 12px;
  border-radius: 999px;
  border: 2px solid rgba(11,31,53,.25);
  background: transparent;
}
.stepper__step.is-active{
  color: var(--ink);
}
.stepper__step.is-active .stepper__dot{
  border-color: var(--brand);
  background: var(--brand);
  box-shadow: 0 0 0 5px rgba(255,106,0,.18);
}

/* Info badge */
.badge{
  background: rgba(255,255,255,.92);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 14px;
  display:flex;
  gap: 12px;
  align-items:flex-start;
}
.badge__icon{
  width: 28px; height: 28px;
  display:grid; place-items:center;
  border-radius: 999px;
  background: rgba(255,106,0,.12);
  color: var(--brand);
  font-weight: 900;
}
.badge__title{
  font-weight: 900;
  margin: 0 0 2px;
}
.badge__text{ margin:0; color: var(--muted); }

/* -----------------------------
   Main grid
------------------------------ */
.main{ padding: 22px 0 38px; }

.grid{
  display:grid;
  grid-template-columns: 1fr;
  gap: 18px;
}

/* -----------------------------
   Cards / blocks
------------------------------ */
.card{
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  overflow:hidden;
}
.card__header{
  padding: 18px 18px 10px;
}
.muted{ color: var(--muted); }

.divider{
  height: 1px;
  background: var(--border);
  margin: 14px 0;
}

/* Sticky sidebar on desktop */
.card--sticky{
  position: static;
}

/* -----------------------------
   Form controls
------------------------------ */
.form{ padding: 0 18px 18px; }

.form__row{
  display:grid;
  grid-template-columns: 1fr;
  gap: 12px;
  margin-bottom: 12px;
}

.field label{
  display:block;
  font-weight: 800;
  margin-bottom: 6px;
}
.field input, .field select{
  width: 100%;
  height: 44px;
  padding: 0 12px;
  border-radius: 12px;
  border: 1px solid #d7e2ec;
  background: #fff;
  color: var(--text);
  outline: none;
  transition: border-color .15s ease, box-shadow .15s ease;
}
.field input:focus, .field select:focus{
  border-color: rgba(255,106,0,.75);
  box-shadow: 0 0 0 5px rgba(255,106,0,.18);
}
.field__hint{
  margin: 6px 0 0;
  font-size: .9rem;
  color: var(--muted);
}

.field--small{ max-width: 220px; }
.field--full{ grid-column: 1 / -1; }

.check{
  display:flex;
  gap: 10px;
  align-items:flex-start;
  font-weight: 700;
  color: var(--ink);
}
.check input{ margin-top: 3px; }

/* Actions */
.actions{
  display:flex;
  align-items:center;
  justify-content:flex-end;
  gap: 10px;
  margin-top: 10px;
}

/* Buttons */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap: 8px;
  height: 44px;
  padding: 0 14px;
  border-radius: 12px;
  border: 1px solid transparent;
  font-weight: 900;
  text-decoration:none;
  cursor:pointer;
  user-select:none;
}
.btn--primary{
  background: var(--brand);
  color: var(--brand-ink);
}
.btn--primary:hover{ filter: brightness(.96); }
.btn--ghost{
  background: rgba(16,58,95,.06);
  border-color: rgba(16,58,95,.10);
  color: var(--ink);
}
.btn--ghost:hover{ background: rgba(16,58,95,.09); }

.btn--small{
  height: 40px;
  padding: 0 12px;
  border-radius: 12px;
  font-weight: 800;
}

/* -----------------------------
   Sidebar summary
------------------------------ */
.summary{
  margin: 0 18px 14px;
}
.summary__row{
  display:flex;
  justify-content:space-between;
  gap: 12px;
  padding: 10px 0;
  border-bottom: 1px dashed var(--border);
}
.summary__row:last-child{ border-bottom: 0; }
.summary dt{ font-weight: 900; color: var(--ink); }
.summary dd{ margin:0; color: var(--muted); font-weight: 800; }

.callout{
  margin: 0 18px 18px;
  padding: 14px;
  border-radius: 14px;
  background: rgba(255,106,0,.08);
  border: 1px solid rgba(255,106,0,.18);
}
.callout__title{ font-weight: 900; margin-bottom: 6px; }
.callout__text{ color: var(--muted); }

/* -----------------------------
   Footer
------------------------------ */
.footer{
  background: #071c2f;
  color: rgba(255,255,255,.9);
  padding: 28px 0;
}
.footer__cols{
  display:grid;
  grid-template-columns: 1fr;
  gap: 18px;
}
.footer__title{
  font-weight: 900;
  margin: 0 0 10px;
}
.footer__link{
  display:block;
  text-decoration:none;
  opacity: .92;
  margin: 8px 0;
}
.footer__link:hover{ opacity:1; text-decoration:underline; }
.footer__fineprint{
  margin: 20px 0 0;
  opacity: .75;
  font-size: .92rem;
}

/* -----------------------------
   Responsive breakpoints
------------------------------ */
@media (min-width: 860px){
  .nav{ display:flex; }
  .hero__inner{
    grid-template-columns: 1.4fr .8fr;
    align-items:start;
  }
  .grid{
    grid-template-columns: 1.35fr .65fr;
    align-items:start;
  }
  .form__row{
    grid-template-columns: 1fr 1fr;
  }
  .form__row:nth-child(2){
    grid-template-columns: 1fr .55fr .55fr;
  }
  .card--sticky{
    position: sticky;
    top: 16px;
  }
  .footer__cols{
    grid-template-columns: repeat(3, 1fr);
  }
}