:root{
  --navy:#0f2a4a; --navy-2:#173b64; --teal:#0e8a7e; --accent:#f07c00; --accent-d:#c86400;
  --ink:#1b2430; --muted:#5b6675; --line:#e3e8ef; --bg:#ffffff; --bg-alt:#f5f8fb;
  --ok-bg:#e6f6f1; --ok:#0b7a5c; --warn-bg:#fff4e5; --warn:#8a4b00;
  --radius:14px; --shadow:0 6px 24px rgba(15,42,74,.08);
  --font:system-ui,-apple-system,"Segoe UI",Roboto,"Noto Sans","Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;font-size:16px}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy-2)}
a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
.wrap{max-width:1180px;margin:0 auto;padding:0 16px}
.narrow{max-width:860px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:100}
.skip:focus{left:8px}

/* Regulatory strip */
.reg-strip{background:var(--navy);color:#dfe8f3;font-size:.8rem;padding:6px 0;text-align:center}
.reg-strip b,.reg-strip strong{color:#fff}
.reg-strip .sep{opacity:.5;margin:0 6px}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.2) blur(6px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;gap:20px;min-height:66px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy)}
.logo{width:40px;height:40px;border-radius:10px;background:linear-gradient(135deg,var(--navy),var(--teal));color:#fff;display:grid;place-items:center;font-weight:800;font-size:1.3rem}
.brand-text{display:flex;flex-direction:column;line-height:1.1}
.brand-name{font-weight:800;font-size:1.2rem;letter-spacing:.2px}
.brand-sub{font-size:.72rem;color:var(--muted)}
nav ul{list-style:none;margin:0;padding:0;display:flex;gap:18px}
nav a{text-decoration:none;color:var(--ink);font-weight:500;font-size:.95rem}
nav a:hover{color:var(--teal)}
.site-header nav{margin-left:auto}
@media (max-width:960px){.site-header nav{display:none}.nav-cta{margin-left:auto}}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:6px;border-radius:999px;padding:10px 18px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:.95rem;font-family:inherit;transition:background .15s,transform .15s}
.btn-primary{background:var(--accent);color:#1a0f00}
.btn-primary:hover{background:var(--accent-d);color:#fff}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--navy)}
.btn-ghost:hover{background:var(--navy);color:#fff}
.btn-lg{padding:14px 24px;font-size:1.02rem}
@media (max-width:480px){.nav-cta{padding:8px 12px;font-size:.8rem}}

/* Hero */
.hero{background:linear-gradient(180deg,#eef4fb 0%,#fff 100%);padding:48px 0 40px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center}
.eyebrow{display:inline-block;background:var(--ok-bg);color:var(--ok);font-weight:700;font-size:.8rem;padding:4px 12px;border-radius:999px;margin:0 0 12px}
h1{font-size:clamp(1.7rem,3.6vw,2.6rem);line-height:1.18;color:var(--navy);margin:0 0 16px}
h2{font-size:clamp(1.4rem,2.6vw,1.9rem);color:var(--navy);margin:0 0 12px;line-height:1.25}
h3{color:var(--navy);margin:0 0 8px;font-size:1.1rem}
.lead{font-size:1.08rem;color:#2c3a4b}
.hero-ctas{display:flex;flex-wrap:wrap;gap:12px;margin:20px 0 12px}
.micro{font-size:.8rem;color:var(--muted)}
.center{text-align:center}
.hero-banner{display:block;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);transition:transform .2s}
.hero-banner:hover{transform:translateY(-3px)}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr}.hero-banner{max-width:520px;margin:0 auto}}

/* Sections */
.section{padding:56px 0}
.section.alt{background:var(--bg-alt)}
.section-lead{color:#3a4758;max-width:820px}

/* AP card */
.ap-section{border-top:4px solid var(--teal)}
.ap-card{background:#fff;border:2px solid var(--teal);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)}
.ap-meta{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:0 0 18px}
.ap-meta div{background:var(--bg-alt);border-radius:10px;padding:10px 12px}
.ap-meta dt{font-size:.75rem;color:var(--muted);text-transform:uppercase;letter-spacing:.4px}
.ap-meta dd{margin:2px 0 0;font-weight:700;color:var(--navy)}
@media (max-width:800px){.ap-meta{grid-template-columns:1fr 1fr}}
@media (max-width:420px){.ap-meta{grid-template-columns:1fr}}
.table-scroll{overflow-x:auto;border:1px solid var(--line);border-radius:10px}
.ap-table{width:100%;border-collapse:collapse;min-width:640px;font-size:.95rem}
.ap-table th,.ap-table td{padding:11px 12px;border-bottom:1px solid var(--line);text-align:left}
.ap-table thead th{background:var(--navy);color:#fff;font-weight:600}
.ap-table tbody tr:nth-child(even){background:#fafcfe}
.pill{display:inline-block;padding:2px 10px;border-radius:999px;font-size:.78rem;font-weight:700}
.pill.ok{background:var(--ok-bg);color:var(--ok)}
.broker-box{margin-top:18px;background:var(--bg-alt);border-radius:10px;padding:14px 16px;font-size:.9rem}
.broker-box p{margin:4px 0}
.ap-note{margin:16px 0 0;background:var(--warn-bg);color:var(--warn);border-radius:10px;padding:12px 14px;font-size:.92rem}

/* Banners */
.banner-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin:24px 0 10px}
.banner{position:relative;display:block;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);transition:transform .2s,box-shadow .2s}
.banner:hover{transform:translateY(-4px);box-shadow:0 12px 30px rgba(15,42,74,.16)}
.banner-cta{position:absolute;right:10px;bottom:10px;background:var(--navy);color:#fff;font-size:.8rem;font-weight:700;padding:6px 12px;border-radius:999px;opacity:.92}
@media (max-width:1000px){.banner-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.banner-grid{grid-template-columns:1fr}}
.onboard-grid{display:grid;grid-template-columns:260px 1fr;gap:32px;align-items:start;margin-top:36px;background:#fff;border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.qr-card{text-align:center}
.qr-card img{margin:0 auto;border:1px solid var(--line);border-radius:10px;padding:8px;background:#fff}
.steps{padding-left:20px}.steps li{margin-bottom:8px}
@media (max-width:700px){.onboard-grid{grid-template-columns:1fr}}

/* Cards */
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:20px}
.cards.two{grid-template-columns:repeat(3,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.card p{margin:0;color:#3a4758;font-size:.95rem}
.card.notice{border-left:4px solid var(--teal)}
.card.warn{border-left-color:var(--accent);background:var(--warn-bg)}
@media (max-width:1000px){.cards,.cards.two{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.cards,.cards.two{grid-template-columns:1fr}}
.other-services{margin-top:28px;border:1px dashed #b8c4d3;border-radius:var(--radius);padding:18px 20px;background:#fcfdff}
.ticks{list-style:none;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:12px 28px}
.ticks li{padding-left:30px;position:relative}
.ticks li::before{content:"✓";position:absolute;left:0;top:0;width:22px;height:22px;border-radius:50%;background:var(--ok-bg);color:var(--ok);display:grid;place-items:center;font-weight:800;font-size:.8rem}
@media (max-width:700px){.ticks{grid-template-columns:1fr}}

/* FAQ */
details{border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin-bottom:10px;background:#fff}
summary{cursor:pointer;font-weight:700;color:var(--navy);list-style:none}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";float:right;font-weight:800;color:var(--teal)}
details[open] summary::after{content:"–"}
.faq-answer{margin:10px 0 0;color:#34414f}

/* Risk */
.risk-box{border:2px solid #d9534f;background:#fff6f6;border-radius:var(--radius);padding:22px}
.risk-box h2{color:#a4262c}
.risk-box li{margin-bottom:6px}

/* Grievance */
.escalation{list-style:none;padding:0;display:grid;gap:12px;margin-top:18px}
.escalation li{display:flex;gap:16px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 16px}
.lvl{flex:none;background:var(--navy);color:#fff;border-radius:8px;padding:4px 10px;font-weight:700;font-size:.8rem}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:32px}
address{font-style:normal;line-height:1.8}
.note-card{background:var(--warn-bg);border-radius:var(--radius);padding:20px;color:var(--warn)}
.note-card h3{color:var(--warn)}
@media (max-width:800px){.contact-grid{grid-template-columns:1fr}}

/* Footer */
.site-footer{background:var(--navy);color:#cdd8e6;padding:40px 0 90px;font-size:.88rem}
.site-footer a{color:#fff}
.foot-grid{display:flex;flex-wrap:wrap;justify-content:space-between;gap:20px;border-bottom:1px solid rgba(255,255,255,.15);padding-bottom:18px}
.foot-brand{color:#fff;font-weight:800;font-size:1.1rem;margin:0 0 4px}
.foot-links{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:8px 18px}
.disclaimer p{margin:12px 0}

/* Sticky CTA (mobile) */
.sticky-cta{display:none}
@media (max-width:760px){
  .sticky-cta{display:block;position:fixed;left:12px;right:12px;bottom:12px;z-index:60;text-align:center;background:var(--accent);color:#1a0f00;font-weight:800;padding:14px;border-radius:999px;text-decoration:none;box-shadow:0 8px 24px rgba(0,0,0,.25)}
}

/* Consent */
.consent{position:fixed;left:16px;right:16px;bottom:16px;z-index:80;max-width:720px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 12px 40px rgba(0,0,0,.2);padding:16px 18px}
.consent p{margin:0 0 12px;font-size:.9rem}
.consent-actions{display:flex;gap:10px;justify-content:flex-end;flex-wrap:wrap}

/* Legal pages */
.legal{padding:40px 0 60px}
.legal h1{font-size:clamp(1.6rem,3vw,2.2rem)}
.legal h2{font-size:1.25rem;margin-top:28px}

@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}
@media print{.site-header,.sticky-cta,.consent{display:none}}

/* Mobile refinements */
.nav-cta{white-space:nowrap}
@media (max-width:480px){.hide-sm{display:none}.brand-sub{display:none}}
@media (max-width:640px){
  .table-scroll{border:0;overflow:visible}
  .ap-table{min-width:0}
  .ap-table thead{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
  .ap-table tr{display:block;border:1px solid var(--line);border-radius:10px;margin-bottom:10px;background:#fff!important}
  .ap-table td{display:flex;justify-content:space-between;gap:12px;padding:8px 12px;text-align:right}
  .ap-table td::before{content:attr(data-label);font-weight:600;color:var(--muted);text-align:left}
  .ap-table tr td:last-child{border-bottom:0}
  .reg-strip{font-size:.72rem}
}

/* Social links */
.social{list-style:none;padding:0;margin:14px 0 0;display:flex;flex-wrap:wrap;gap:10px}
.social a{display:inline-flex;align-items:center;gap:6px;text-decoration:none;font-weight:600;font-size:.85rem;padding:6px 12px;border-radius:999px;border:1px solid rgba(255,255,255,.35);color:#fff}
.social svg{width:16px;height:16px;fill:currentColor}
.social a:hover{background:rgba(255,255,255,.12)}
.social-dark a{color:var(--navy);border-color:var(--line);background:#fff}
.social-dark a:hover{background:var(--bg-alt)}