:root{--ink:#0B0B0B;--paper:#FFFFFF;--mist:#F5F5F3;--line:#D8D8D3;--muted:#5B5B57;--maxw:1160px;--radius:2px;font-size:16px;}
*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{margin:0;background:var(--paper);color:var(--ink);font-family:"Helvetica Neue",Helvetica,Arial,"Segoe UI",system-ui,sans-serif;line-height:1.6;-webkit-font-smoothing:antialiased;}
img{max-width:100%;height:auto;display:block;}
a{color:inherit;}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px;}
.skip{position:absolute;left:-9999px;}
.btn{display:inline-block;text-decoration:none;text-align:center;border:1px solid var(--ink);padding:14px 26px;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;font-weight:600;background:var(--ink);color:var(--paper);border-radius:var(--radius);transition:background .15s ease,color .15s ease;}
.btn:hover{background:var(--paper);color:var(--ink);}
.btn.ghost{background:transparent;color:var(--ink);}
.btn.ghost:hover{background:var(--ink);color:var(--paper);}
.hero{background:var(--ink);color:var(--paper);border-bottom:0;}
.hero .wrap{padding:72px 24px 60px;}
.eyebrow{font-size:.74rem;letter-spacing:.28em;text-transform:uppercase;color:var(--muted);display:flex;align-items:center;gap:14px;margin:0 0 26px;}
.eyebrow::before{content:"";width:44px;height:1px;background:var(--ink);display:inline-block;}
h1{font-size:clamp(1.9rem,4.4vw,3.35rem);line-height:1.08;letter-spacing:-.02em;font-weight:800;margin:0 0 22px;max-width:20ch;}
.lede{font-size:clamp(1rem,1.5vw,1.16rem);color:var(--muted);max-width:66ch;margin:0 0 34px;}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:46px;}
.stats{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line);}
.stat{border-right:1px solid var(--line);border-bottom:1px solid var(--line);padding:22px 20px;}
.stat b{display:block;font-size:1.5rem;font-weight:800;letter-spacing:-.01em;line-height:1.1;}
.stat span{display:block;margin-top:6px;font-size:.78rem;color:var(--muted);letter-spacing:.04em;text-transform:uppercase;}
section{border-bottom:1px solid var(--line);}
.sec-head{max-width:760px;margin-bottom:44px;}
.kicker{font-size:.74rem;letter-spacing:.26em;text-transform:uppercase;color:var(--muted);margin:0 0 14px;}
h2{font-size:clamp(1.45rem,2.6vw,2.1rem);line-height:1.15;letter-spacing:-.015em;font-weight:800;margin:0 0 14px;}
h3{font-size:1.06rem;font-weight:700;margin:0 0 8px;letter-spacing:-.005em;}
.sec-head p{margin:0;color:var(--muted);}
.scope{background:var(--ink);color:var(--paper);}
.scope .wrap{padding:52px 24px;}
.scope p{margin:0;font-size:1.02rem;max-width:92ch;}
.scope .label{font-size:.72rem;letter-spacing:.26em;text-transform:uppercase;color:#B9B9B4;display:block;margin-bottom:14px;}
.simplified{background:var(--mist);}
.steps-list{list-style:none;margin:0;padding:0;counter-reset:step;border-top:1px solid var(--line);}
.steps-list li{counter-increment:step;position:relative;border-bottom:1px solid var(--line);padding:20px 18px 20px 72px;font-size:1rem;}
.steps-list li::before{content:counter(step,decimal-leading-zero);position:absolute;left:18px;top:19px;font-size:.8rem;font-weight:800;letter-spacing:.06em;color:var(--muted);}
.stage{border-top:1px solid var(--line);padding:42px 0;display:grid;grid-template-columns:200px 1fr;gap:34px;}
.stage:last-child{border-bottom:1px solid var(--line);}
.stage-meta{position:sticky;top:84px;align-self:start;}
.stage-meta .no{font-size:2.6rem;font-weight:800;line-height:1;letter-spacing:-.03em;}
.stage-meta .tag{margin-top:10px;font-size:.74rem;letter-spacing:.2em;text-transform:uppercase;color:var(--muted);}
.stage-body h3{font-size:clamp(1.15rem,2vw,1.4rem);margin-bottom:16px;}
.stage-body ul{margin:0;padding:0;list-style:none;}
.stage-body li{position:relative;padding:12px 0 12px 26px;border-top:1px dotted var(--line);color:#1c1c1a;font-size:.98rem;}
.stage-body li:first-child{border-top:0;}
.stage-body li::before{content:"";position:absolute;left:0;top:20px;width:9px;height:9px;background:var(--ink);}
.stage-body li.sub{padding-left:52px;color:var(--muted);}
.stage-body li.sub::before{left:26px;width:7px;height:7px;background:transparent;border:1px solid var(--ink);border-radius:50%;top:19px;}
.stage-body .sub-label{font-weight:700;color:var(--ink);}
.caps{background:var(--ink);color:var(--paper);}
.caps .kicker{color:#B9B9B4;}
.caps .sec-head p{color:#C9C9C4;}
.cap-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid #3a3a37;border-left:1px solid #3a3a37;}
.cap{border-right:1px solid #3a3a37;border-bottom:1px solid #3a3a37;padding:30px 26px;}
.cap h3{color:var(--paper);margin-bottom:10px;}
.cap p{margin:0;color:#C9C9C4;font-size:.92rem;}
.caps-note{margin:28px 0 0;font-size:.8rem;color:#9c9c97;max-width:90ch;}
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--line);}
table{border-collapse:collapse;width:100%;min-width:720px;font-size:.9rem;}
caption{text-align:left;padding:0 0 12px;color:var(--muted);font-size:.82rem;}
th,td{border-bottom:1px solid var(--line);border-right:1px solid var(--line);padding:14px 16px;text-align:left;vertical-align:top;overflow-wrap:break-word;}
th{background:var(--mist);font-size:.74rem;letter-spacing:.1em;text-transform:uppercase;color:var(--ink);font-weight:700;}
tr:last-child td{border-bottom:0;}
td:last-child,th:last-child{border-right:0;}
.compliance-note{background:var(--mist);border-left:3px solid var(--ink);padding:18px 20px;margin:22px 0 0;font-size:.88rem;color:#1c1c1a;}
.faq-list{border-top:1px solid var(--line);}
.faq-item{border-bottom:1px solid var(--line);}
.faq-item summary{list-style:none;cursor:pointer;padding:22px 44px 22px 0;position:relative;font-weight:700;font-size:1.02rem;}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary::after{content:"+";position:absolute;right:8px;top:20px;font-size:1.3rem;font-weight:400;color:var(--muted);}
.faq-item[open] summary::after{content:"\2212";}
.faq-answer{padding:0 44px 24px 0;color:var(--muted);font-size:.96rem;}
.faq-answer p{margin:0 0 10px;}
.faq-answer p:last-child{margin-bottom:0;}
.inquiry{background:var(--ink);color:var(--paper);}
.inquiry .wrap{padding:76px 24px;}
.inquiry h2{color:var(--paper);}
.inquiry p.lead{color:#C9C9C4;max-width:62ch;}
@media (max-width:900px){
 .stats{grid-template-columns:repeat(2,1fr);}
 .stage{grid-template-columns:1fr;gap:16px;}
 .stage-meta{position:static;display:flex;align-items:baseline;gap:14px;}
 .stage-meta .no{font-size:2rem;}
 .cap-grid{grid-template-columns:repeat(2,1fr);}
}
@media (max-width:620px){
 .hero .wrap{padding:52px 24px 44px;}
 .stats{grid-template-columns:1fr 1fr;}
 .cap-grid{grid-template-columns:1fr;}
 .steps-list li{padding-left:60px;}
 .steps-list li::before{left:12px;}
}

.simplified .steps-list li{padding-left:60px;font-size:1rem;}
.simplified .steps-list li::before{content:counter(step) ".";font-size:.95rem;color:var(--ink);top:20px;left:22px;}
.stage-summary{margin:0 0 18px;color:var(--muted);font-size:.96rem;max-width:78ch;}
.stage-body .lead-in{font-weight:700;color:var(--ink);}
.terms-table th[scope="row"]{background:transparent;text-transform:none;letter-spacing:0;font-size:.92rem;width:26%;}
.std-table td:last-child{white-space:nowrap;}
.hero-note{margin:44px 0 0;font-size:.82rem;color:var(--muted);max-width:80ch;}

.hero .eyebrow{color:#B9B9B4;}
.hero .eyebrow::before{background:var(--paper);}
.hero h1{color:var(--paper);max-width:none;font-size:clamp(1.15rem,3.4vw - 1.6px,2.35rem);line-height:1.18;letter-spacing:-.015em;}
.hero .lede{color:#C9C9C4;}
.hero .btn{background:var(--paper);color:var(--ink);border-color:var(--paper);}
.hero .btn:hover{background:transparent;color:var(--paper);}
.hero .btn.ghost{background:transparent;color:var(--paper);border-color:#5B5B57;}
.hero .btn.ghost:hover{background:var(--paper);color:var(--ink);border-color:var(--paper);}
.hero .stats{border-top-color:#3a3a37;border-left-color:#3a3a37;}
.hero .stat{border-right-color:#3a3a37;border-bottom-color:#3a3a37;}
.hero .stat b{color:var(--paper);}
.hero .stat span{color:#9c9c97;}
.hero-note{color:#9c9c97;}
/* compress hero spacing */
.hero .wrap{padding:44px 24px 34px;}
.hero .eyebrow{margin-bottom:14px;}
.hero h1{margin:0 0 14px;}
.hero .lede{margin-bottom:24px;}
.hero-actions{margin-bottom:28px;}
.hero .stat{padding:17px 20px;}
/* body text 16px */
.stage-summary{font-size:1rem;}
.stage-body li{font-size:1rem;}
.cap p{font-size:1rem;}
.faq-answer{font-size:1rem;}
table{font-size:1rem;}
.terms-table th[scope="row"]{font-size:1rem;}
.lede{font-size:1rem;}
.scope p{font-size:1rem;}
.caps-note{font-size:1rem;}
caption{font-size:1rem;}
.faq-item summary{font-size:1rem;}
.hero-note{font-size:1rem;}
/* keep section headings on one line */
.sec-head{max-width:none;}
.sec-head p{max-width:760px;}
.simplified .sec-head p:not(.kicker){max-width:none;}
/* bottom CTA: button to the right, centred, compressed */
.inquiry .wrap{padding:28px 24px;}
.cta-row{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,260px);gap:40px;align-items:start;}
.cta-action{display:flex;flex-direction:column;align-items:center;gap:14px;text-align:center;}
.inquiry .hero-note{margin:0;color:#9c9c97;text-align:center;max-width:none;}
.inquiry .btn{background:var(--paper);color:var(--ink);border-color:var(--paper);}
.inquiry .btn:hover{background:transparent;color:var(--paper);}
.simplified,.caps,#process,#terms,#faq{padding:76px 0;}
@media (max-width:980px){.cta-row{grid-template-columns:1fr;gap:22px;}}
@media (max-width:620px){.simplified,.caps,#process,#terms,#faq{padding:56px 0;}.hero .wrap{padding:40px 24px 30px;}}