:root {
  --ink: #1d2330;
  --muted: #5b6472;
  --line: #dde1e7;
  --bg: #f6f7f9;
  --card: #ffffff;
  --brand: #2f5d8a;
  --brand-dark: #234a70;
  --accent: #3f8f6b;
  --error: #b3261e;
  --radius: 12px;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font: 17px/1.55 system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  color: var(--ink);
  background: var(--bg);
}

a { color: var(--brand); }
h1, h2, h3 { line-height: 1.2; margin: 0 0 .6em; }
h1 { font-size: clamp(1.9rem, 4vw, 2.7rem); }
h2 { font-size: 1.5rem; }
h3 { font-size: 1.15rem; }

.wrap { max-width: 1100px; margin: 0 auto; padding: 0 16px; }
.narrow { max-width: 760px; }
.muted { color: var(--muted); }

.site-header { background: var(--card); border-bottom: 1px solid var(--line); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; height: 64px; }
.logo { font-weight: 700; font-size: 1.3rem; text-decoration: none; color: var(--ink); }
.logo span { color: var(--brand); }
.header-cta { font-weight: 600; text-decoration: none; }

.hero { padding: 48px 0; background: linear-gradient(180deg, #e9eff6, var(--bg)); }
.hero-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
.lede { font-size: 1.15rem; color: var(--muted); }
.checks { list-style: none; padding: 0; }
.checks li { padding-left: 28px; position: relative; margin: .4em 0; }
.checks li::before { content: "✓"; position: absolute; left: 0; color: var(--accent); font-weight: 700; }

.card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.form { box-shadow: 0 10px 30px rgba(20, 40, 70, .08); scroll-margin-top: 16px; }
.form fieldset { border: 0; padding: 0; margin: 0; }
.form legend { font-size: .85rem; font-weight: 600; color: var(--muted); text-transform: uppercase; letter-spacing: .04em; margin-bottom: 12px; }

label { display: block; margin-bottom: 14px; font-weight: 600; font-size: .95rem; }
small { font-weight: 400; color: var(--muted); }
input:not([type="radio"]):not([type="checkbox"]), select, textarea {
  display: block; width: 100%; margin-top: 6px; padding: 11px 12px;
  font: inherit; font-weight: 400; color: var(--ink);
  border: 1px solid var(--line); border-radius: 8px; background: #fff;
}
input:focus, select:focus, textarea:focus { outline: 2px solid var(--brand); outline-offset: 1px; }

.group { margin-bottom: 16px; }
.group-label { display: block; font-weight: 600; font-size: .95rem; margin-bottom: 6px; }
.choice { font-weight: 400; display: flex; gap: 10px; align-items: center; margin: 0 0 6px;
  padding: 10px 12px; border: 1px solid var(--line); border-radius: 8px; cursor: pointer; }
.choice:has(input:checked) { border-color: var(--brand); background: #eef4fa; }
.choice.inline { display: inline-flex; margin-right: 8px; min-width: 90px; }

.two { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.row { display: flex; gap: 12px; }
.row .btn:last-child { flex: 1; }

.btn { display: inline-block; border: 0; border-radius: 8px; padding: 13px 20px; width: 100%;
  font: inherit; font-weight: 700; color: #fff; background: var(--brand); cursor: pointer; }
.btn:hover { background: var(--brand-dark); }
.btn:disabled { opacity: .6; cursor: wait; }
.btn.ghost { background: transparent; color: var(--brand); border: 1px solid var(--line); width: auto; }

.consent { display: flex; gap: 10px; font-weight: 400; font-size: .8rem; color: var(--muted); line-height: 1.45; }
.consent input { margin-top: 3px; flex-shrink: 0; }
.hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.error { color: var(--error); font-weight: 600; margin: 12px 0 0; }
.done h2 { color: var(--accent); }

section.how, section.states, section.faq { padding: 48px 0; }
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; padding-left: 20px; }
.state-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.state-grid p { margin: 0; color: var(--muted); font-size: .95rem; }

details { background: var(--card); border: 1px solid var(--line); border-radius: 8px; padding: 14px 16px; margin-bottom: 10px; }
summary { font-weight: 600; cursor: pointer; }
details p { margin: .8em 0 0; color: var(--muted); }

.site-footer { border-top: 1px solid var(--line); padding: 32px 0; font-size: .85rem; color: var(--muted); }

.legal { padding: 40px 0; }
.legal .card { padding: 32px; }
.legal .draft { background: #fff6e0; border: 1px solid #f0d58a; border-radius: 8px; padding: 12px 14px; }

@media (max-width: 900px) {
  .hero-grid, .steps { grid-template-columns: 1fr; }
  .state-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px) {
  .state-grid, .two { grid-template-columns: 1fr; }
  .hero { padding: 28px 0; }
}