:root {
  --navy: #1f3a5f;
  --blue: #2e6da4;
  --sky: #e6f1f8;
  --mist: #f5f9fc;
  --sea: #7fd1c9;
  --sun: #f4a24a;
  --ink: #23324a;
  --muted: #5a6b82;
  --line: #d6e4ee;
  --white: #ffffff;
  --radius: 14px;
  --max: 1120px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.65;
  font-size: 17px;
}

img, svg { max-width: 100%; display: block; }

a { color: var(--blue); }
a:hover { color: var(--navy); }

.skip {
  position: absolute;
  left: -999px;
  top: 0;
  background: var(--navy);
  color: #fff;
  padding: 10px 16px;
  z-index: 100;
}
.skip:focus { left: 16px; top: 16px; }

.wrap {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 20px;
}

/* Emergency bar */
.alert-bar {
  background: var(--navy);
  color: #fff;
  font-size: 14px;
  text-align: center;
  padding: 8px 16px;
}
.alert-bar a { color: #fff; font-weight: 600; }

/* Header */
.site-header {
  background: #fff;
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 50;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  min-height: 76px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  color: var(--navy);
}
.brand img { width: 48px; height: 48px; flex: none; }
.brand-name {
  font-weight: 800;
  font-size: 21px;
  line-height: 1.05;
  letter-spacing: -0.01em;
}
.brand-sub {
  display: block;
  font-weight: 600;
  font-size: 11px;
  letter-spacing: 0.32em;
  color: var(--blue);
  margin-top: 4px;
}

.nav { display: flex; align-items: center; gap: 4px; }
.nav a {
  text-decoration: none;
  color: var(--ink);
  font-weight: 500;
  font-size: 15px;
  padding: 8px 12px;
  border-radius: 8px;
}
.nav a:hover, .nav a[aria-current="page"] { background: var(--sky); color: var(--navy); }
.nav .btn { margin-left: 8px; }

.menu-toggle {
  display: none;
  background: none;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 8px 12px;
  font: inherit;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
}

/* Buttons */
.btn {
  display: inline-block;
  background: var(--blue);
  color: #fff !important;
  text-decoration: none;
  font-weight: 600;
  padding: 12px 22px;
  border-radius: 999px;
  border: 2px solid var(--blue);
  transition: background .15s, border-color .15s;
}
.btn:hover { background: var(--navy); border-color: var(--navy); }
.btn-ghost {
  background: transparent;
  color: var(--navy) !important;
  border-color: var(--navy);
}
.btn-ghost:hover { background: var(--navy); color: #fff !important; }
.nav .btn { padding: 9px 18px; font-size: 15px; }

/* Hero */
.hero {
  background: linear-gradient(180deg, var(--sky) 0%, #fff 100%);
  position: relative;
  overflow: hidden;
}
.hero-inner {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 40px;
  align-items: center;
  padding: 72px 20px 96px;
}
.eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.18em;
  font-size: 13px;
  font-weight: 700;
  color: var(--blue);
  margin: 0 0 12px;
}
h1, h2, h3 { color: var(--navy); line-height: 1.2; letter-spacing: -0.015em; }
h1 { font-size: clamp(34px, 5vw, 52px); margin: 0 0 18px; font-weight: 800; }
h2 { font-size: clamp(26px, 3.4vw, 36px); margin: 0 0 14px; font-weight: 800; }
h3 { font-size: 20px; margin: 0 0 8px; font-weight: 700; }
.lead { font-size: 19px; color: var(--muted); max-width: 40em; }
.hero .actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.hero-art img { width: 100%; height: auto; max-width: 360px; margin: 0 auto; }
.waves {
  position: absolute;
  left: 0;
  right: 0;
  bottom: -2px;
  width: 100%;
  height: 70px;
}

/* Sections */
section { padding: 72px 0; }
.section-alt { background: var(--mist); }
.section-head { max-width: 46em; margin-bottom: 36px; }
.section-head p { color: var(--muted); margin: 0; }

.grid {
  display: grid;
  gap: 20px;
}
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid > * { min-width: 0; }

.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px;
}
.card p { margin: 0; color: var(--muted); }
.card .icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: var(--sky);
  color: var(--blue);
  display: grid;
  place-items: center;
  margin-bottom: 16px;
}
.card .icon svg { width: 24px; height: 24px; }

.checklist { list-style: none; padding: 0; margin: 0; }
.checklist li {
  position: relative;
  padding-left: 30px;
  margin-bottom: 12px;
}
.checklist li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 7px;
  width: 16px;
  height: 16px;
  border-radius: 50%;
  background: var(--sea);
  box-shadow: inset 0 0 0 4px #e3f6f4;
}

.band {
  background: var(--navy);
  color: #fff;
  border-radius: var(--radius);
  padding: 40px;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.band h2 { color: #fff; margin: 0 0 6px; }
.band p { margin: 0; color: #cfe0ee; }
.band .btn { background: var(--sun); border-color: var(--sun); color: var(--navy) !important; }
.band .btn:hover { background: #fff; border-color: #fff; }

.steps { counter-reset: step; list-style: none; padding: 0; margin: 0; }
.steps li {
  counter-increment: step;
  position: relative;
  padding: 0 0 22px 56px;
}
.steps li::before {
  content: counter(step);
  position: absolute;
  left: 0;
  top: 0;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--blue);
  color: #fff;
  font-weight: 700;
  display: grid;
  place-items: center;
}

.contact-list { list-style: none; padding: 0; margin: 0; }
.contact-list li { padding: 14px 0; border-bottom: 1px solid var(--line); }
.contact-list li:last-child { border-bottom: 0; }
.contact-list strong { display: block; color: var(--navy); font-size: 14px; text-transform: uppercase; letter-spacing: .08em; }
.contact-list a, .contact-list span { font-size: 19px; font-weight: 600; text-decoration: none; overflow-wrap: anywhere; }

.page-hero { background: var(--sky); padding: 56px 0 48px; }
.page-hero h1 { margin-bottom: 10px; }
.page-hero p { margin: 0; color: var(--muted); font-size: 19px; max-width: 42em; }

.prose { max-width: 46em; }
.prose p { margin: 0 0 16px; }

.notice {
  border-left: 4px solid var(--sun);
  background: #fff8ef;
  padding: 18px 22px;
  border-radius: 0 var(--radius) var(--radius) 0;
}

/* Footer */
.site-footer {
  background: var(--navy);
  color: #cfe0ee;
  padding: 52px 0 28px;
  font-size: 15px;
}
.site-footer a { color: #fff; }
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 32px;
}
.site-footer h3 { color: #fff; font-size: 15px; text-transform: uppercase; letter-spacing: .1em; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 8px; }
.footer-legal {
  border-top: 1px solid rgba(255,255,255,.15);
  margin-top: 36px;
  padding-top: 20px;
  font-size: 13px;
  color: #a9c0d6;
}

a:focus-visible, button:focus-visible {
  outline: 3px solid var(--sun);
  outline-offset: 2px;
}

/* Responsive */
@media (max-width: 900px) {
  .hero-inner { grid-template-columns: 1fr; padding: 48px 20px 80px; }
  .hero-art { display: none; }
  .grid-3 { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 980px) {
  .menu-toggle { display: block; }
  .nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: #fff;
    flex-direction: column;
    align-items: stretch;
    padding: 12px 16px 18px;
    border-bottom: 1px solid var(--line);
    box-shadow: 0 12px 24px rgba(31,58,95,.08);
  }
  .nav.open { display: flex; }
  .nav a { padding: 12px; }
  .nav .btn { margin: 8px 0 0; text-align: center; }
}

@media (max-width: 760px) {
  .grid-3, .grid-2, .footer-grid { grid-template-columns: 1fr; }
  section { padding: 52px 0; }
  .band { padding: 28px; }
  .brand-name { font-size: 19px; }
}

/* Utilities */
.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;
}

/* Eligibility strip in hero */
.eligibility {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 22px;
  margin-top: 26px;
  font-size: 15px;
  color: var(--ink);
}
.elig-item { display: flex; align-items: center; gap: 8px; }
.elig-item svg { width: 20px; height: 20px; color: var(--blue); flex: none; }

/* Quick links */
.quick { padding: 0 0 8px; margin-top: -8px; position: relative; z-index: 2; }
.quick-link {
  display: flex;
  gap: 14px;
  align-items: center;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 18px 20px;
  text-decoration: none;
  color: var(--ink);
  box-shadow: 0 6px 18px rgba(31,58,95,.06);
  transition: border-color .15s, transform .15s;
}
.quick-link:hover { border-color: var(--blue); transform: translateY(-2px); }
.quick-link svg { width: 28px; height: 28px; color: var(--blue); flex: none; }
.quick-link strong { display: block; color: var(--navy); }
.quick-link span span { display: block; font-size: 14px; color: var(--muted); }

/* Step cards */
.step-cards {
  counter-reset: s;
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.step-cards li {
  counter-increment: s;
  background: var(--mist);
  border-radius: var(--radius);
  padding: 26px;
  position: relative;
}
.step-cards li::before {
  content: counter(s);
  display: grid;
  place-items: center;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--blue);
  color: #fff;
  font-weight: 700;
  margin-bottom: 14px;
}
.step-cards p { margin: 0; color: var(--muted); }

/* FAQ */
.faq { max-width: 52em; }
.faq-item {
  border: 1px solid var(--line);
  border-radius: 12px;
  background: #fff;
  margin-bottom: 12px;
}
.faq-item summary {
  cursor: pointer;
  list-style: none;
  padding: 18px 52px 18px 22px;
  font-weight: 600;
  color: var(--navy);
  position: relative;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  position: absolute;
  right: 22px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 22px;
  color: var(--blue);
}
.faq-item[open] summary::after { content: "\2212"; }
.faq-item p { margin: 0; padding: 0 22px 20px; color: var(--muted); }

/* Providers */
.providers { display: grid; gap: 28px; }
.provider {
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: 36px;
  align-items: start;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 32px;
}
.provider-photo {
  width: 240px;
  height: 300px;
  object-fit: cover;
  border-radius: 14px;
  background: var(--sky);
}
.provider h2 { margin-bottom: 12px; }
.provider p { color: var(--ink); max-width: 46em; }
.badges { list-style: none; padding: 0; margin: 0 0 18px; display: flex; flex-wrap: wrap; gap: 8px; }
.badge {
  background: var(--sky);
  color: var(--navy);
  font-size: 14px;
  font-weight: 600;
  padding: 6px 12px;
  border-radius: 999px;
}
.facts {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px 24px;
  margin: 22px 0 0;
  padding-top: 20px;
  border-top: 1px solid var(--line);
}
.facts dt { font-size: 13px; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); font-weight: 600; }
.facts dd { margin: 2px 0 0; font-weight: 500; color: var(--navy); }

@media (max-width: 760px) {
  .step-cards { grid-template-columns: 1fr; }
  .provider { grid-template-columns: 1fr; padding: 22px; gap: 22px; }
  .provider-photo { width: 100%; max-width: 288px; height: auto; aspect-ratio: 4 / 5; }
  .facts { grid-template-columns: 1fr; }
  .quick { margin-top: 0; padding-top: 8px; }
}