:root {
    --navy: #0B1F3A;
    --navy-light: #14294d;
    --gold: #D4AF37;
    --teal: #0EA5A5;
    --teal-dark: #0b8080;
    --bg: #f4f6f9;
    --card: #ffffff;
    --text: #24303f;
    --muted: #64748b;
    --radius: 14px;
}

* { box-sizing: border-box; }

body {
    margin: 0;
    font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
    background: var(--bg);
    color: var(--text);
    line-height: 1.6;
}

a { color: inherit; }

.wrap {
    max-width: 1100px;
    margin: 0 auto;
    padding: 0 24px;
}

/* Header */
header.site {
    background: var(--navy);
    color: white;
    position: sticky;
    top: 0;
    z-index: 10;
}

.nav-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 16px 24px;
    max-width: 1100px;
    margin: 0 auto;
    flex-wrap: wrap;
    gap: 12px;
}

.brand {
    display: flex;
    align-items: baseline;
    gap: 8px;
    text-decoration: none;
    color: white;
}

.brand .mark { color: var(--gold); font-size: 1.6rem; font-weight: 800; }
.brand .tag { font-size: 0.75rem; color: #b9c3d4; }

nav.links {
    display: flex;
    align-items: center;
    gap: 22px;
    flex-wrap: wrap;
}

nav.links a {
    color: #e7ecf3;
    text-decoration: none;
    font-weight: 500;
    font-size: 0.95rem;
}

nav.links a:hover { color: var(--gold); }

.btn {
    display: inline-block;
    padding: 10px 20px;
    border-radius: 999px;
    font-weight: 600;
    text-decoration: none;
    border: none;
    cursor: pointer;
    font-size: 0.95rem;
}

.btn-gold { background: var(--gold); color: var(--navy); }
.btn-gold:hover { background: #c19d2e; }

.btn-teal { background: var(--teal); color: white; }
.btn-teal:hover { background: var(--teal-dark); }

.btn-outline {
    background: transparent;
    border: 1.5px solid rgba(255,255,255,0.5);
    color: white;
}
.btn-outline:hover { border-color: var(--gold); color: var(--gold); }

.btn-sm { padding: 7px 14px; font-size: 0.85rem; }
.btn-block { display: block; width: 100%; text-align: center; }

/* Hero */
.hero {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 60%, #1c3a63 100%);
    color: white;
    padding: 80px 24px 90px;
    text-align: center;
}

.hero h1 {
    font-size: clamp(1.9rem, 4vw, 3rem);
    margin: 0 0 16px;
}

.hero .accent { color: var(--gold); }

.hero p {
    color: #cbd6e6;
    max-width: 620px;
    margin: 0 auto 28px;
    font-size: 1.05rem;
}

.hero-actions {
    display: flex;
    gap: 14px;
    justify-content: center;
    flex-wrap: wrap;
}

/* Sections */
.section {
    padding: 64px 24px;
}

.section-head {
    text-align: center;
    max-width: 640px;
    margin: 0 auto 40px;
}

.section-head h2 { font-size: 1.9rem; margin-bottom: 10px; }
.section-head p { color: var(--muted); margin: 0; }

.eyebrow {
    display: inline-block;
    color: var(--teal-dark);
    background: #e3f7f7;
    padding: 4px 14px;
    border-radius: 999px;
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    margin-bottom: 14px;
}

/* Category grid */
.cat-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 20px;
    max-width: 1100px;
    margin: 0 auto;
}

.cat-card {
    background: var(--card);
    border-radius: var(--radius);
    padding: 28px 22px;
    text-align: center;
    text-decoration: none;
    color: var(--text);
    box-shadow: 0 4px 16px rgba(11,31,58,0.06);
    transition: transform 0.15s ease, box-shadow 0.15s ease;
    border: 1px solid #e9edf3;
}

.cat-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 10px 28px rgba(11,31,58,0.12);
}

.cat-card .icon { font-size: 2.2rem; margin-bottom: 12px; display: block; }
.cat-card h3 { margin: 0 0 6px; font-size: 1.1rem; }
.cat-card p { margin: 0; color: var(--muted); font-size: 0.88rem; }

/* Steps */
.steps {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 26px;
    max-width: 1000px;
    margin: 0 auto;
}

.step {
    text-align: center;
    padding: 10px;
}

.step .num {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: var(--navy);
    color: var(--gold);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    margin: 0 auto 14px;
}

.step h3 { margin: 0 0 8px; font-size: 1.05rem; }
.step p { margin: 0; color: var(--muted); font-size: 0.92rem; }

/* Provider promo banner */
.promo {
    background: linear-gradient(120deg, var(--teal) 0%, var(--teal-dark) 100%);
    color: white;
    border-radius: 20px;
    padding: 44px 32px;
    text-align: center;
    max-width: 1100px;
    margin: 0 24px 0 auto;
    margin: 0 auto;
}

.promo h2 { margin: 0 0 10px; font-size: 1.6rem; }
.promo p { margin: 0 0 22px; color: #eafffb; max-width: 560px; margin-left: auto; margin-right: auto; }

/* Provider cards (browse page) */
.category-block { margin-bottom: 56px; }
.category-block h2 {
    font-size: 1.4rem;
    border-bottom: 2px solid var(--gold);
    display: inline-block;
    padding-bottom: 6px;
    margin-bottom: 24px;
}

.provider-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 20px;
}

.provider-card {
    background: var(--card);
    border-radius: var(--radius);
    padding: 22px;
    box-shadow: 0 4px 16px rgba(11,31,58,0.06);
    border: 1px solid #e9edf3;
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.provider-card .badge {
    align-self: flex-start;
    background: #fff4d9;
    color: #8a6d1a;
    font-size: 0.72rem;
    font-weight: 700;
    padding: 3px 10px;
    border-radius: 999px;
}

.provider-card h3 { margin: 0; font-size: 1.1rem; }
.provider-card .loc { color: var(--muted); font-size: 0.85rem; margin: -6px 0 0; }
.provider-card p.desc { margin: 0; font-size: 0.92rem; color: #445266; }

.provider-actions { display: flex; gap: 10px; margin-top: 6px; }

.note-box {
    background: #eef4ff;
    border: 1px solid #d7e4fb;
    color: #234;
    padding: 16px 20px;
    border-radius: 12px;
    font-size: 0.92rem;
    max-width: 1100px;
    margin: 0 auto 40px;
}

/* Forms */
.form-card {
    background: var(--card);
    border-radius: var(--radius);
    padding: 32px;
    max-width: 560px;
    margin: 0 auto;
    box-shadow: 0 4px 16px rgba(11,31,58,0.06);
    border: 1px solid #e9edf3;
}

.form-card label {
    display: block;
    font-weight: 600;
    font-size: 0.88rem;
    margin: 16px 0 6px;
}

.form-card input,
.form-card select,
.form-card textarea {
    width: 100%;
    padding: 10px 12px;
    border: 1px solid #d7dde5;
    border-radius: 8px;
    font-size: 0.95rem;
    font-family: inherit;
}

.form-card textarea { resize: vertical; min-height: 90px; }

.form-card button { margin-top: 22px; width: 100%; }

/* Content pages */
.content-card {
    background: var(--card);
    border-radius: var(--radius);
    padding: 28px 32px;
    max-width: 800px;
    margin: 0 auto 24px;
    box-shadow: 0 4px 16px rgba(11,31,58,0.06);
    border: 1px solid #e9edf3;
}

.content-card h2 { margin-top: 0; }
.content-card ul { padding-left: 20px; }
.content-card li { margin-bottom: 8px; }

/* Footer */
footer.site {
    background: var(--navy);
    color: #cbd6e6;
    padding: 36px 24px 24px;
    margin-top: 40px;
}

.footer-row {
    max-width: 1100px;
    margin: 0 auto;
    display: flex;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 20px;
}

footer.site a { color: #cbd6e6; text-decoration: none; font-size: 0.9rem; }
footer.site a:hover { color: var(--gold); }

.footer-links { display: flex; gap: 18px; flex-wrap: wrap; }

.copyright {
    text-align: center;
    font-size: 0.8rem;
    color: #7e8ea6;
    margin-top: 24px;
    border-top: 1px solid rgba(255,255,255,0.08);
    padding-top: 18px;
}

@media (max-width: 640px) {
    .nav-row { flex-direction: column; align-items: flex-start; }
    nav.links { gap: 14px; }
}