:root {
  --ink: #20242a;
  --kraft: #b88955;
  --cream: #f3efe7;
  --line: #d8d5cf;
  --muted: #555a60;
  --width: 900px;
}

* { box-sizing: border-box; }
body { margin: 0; color: var(--ink); background: #fff; font-family: Arial, Helvetica, sans-serif; font-size: 16px; line-height: 1.55; }
img { display: block; max-width: 100%; }
a { color: inherit; }
input, select, textarea, button { font: inherit; }
.wrap { width: min(calc(100% - 36px), var(--width)); margin: 0 auto; }
.skip-link { position: absolute; top: -50px; left: 10px; padding: 8px 12px; color: #fff; background: var(--ink); }
.skip-link:focus { top: 10px; }

header { border-bottom: 1px solid var(--line); background: #fff; }
.header-row { min-height: 66px; display: flex; align-items: center; justify-content: space-between; gap: 26px; }
.logo { width: 215px; flex: 0 0 215px; }
.logo img { width: 100%; height: auto; }
nav { display: flex; gap: 22px; }
nav a { font-size: 14px; text-decoration: none; }
nav a:hover, nav a[aria-current="page"] { text-decoration: underline; text-underline-offset: 4px; }

.hero { padding: 62px 0 58px; color: #fff; background: var(--ink); text-align: center; }
.hero h1 { margin: 0 0 10px; font-size: 37px; line-height: 1.2; }
.hero p { margin: 0 auto 24px; color: #e3e1dc; font-size: 18px; }
.button { display: inline-block; border: 1px solid var(--ink); padding: 9px 16px; color: #fff; background: var(--ink); font-weight: 700; text-decoration: none; cursor: pointer; }
.button.light { border-color: #fff; color: var(--ink); background: #fff; }
.button:hover { opacity: .86; }

.home-content { max-width: 780px; padding: 35px 0 38px; }
h1 { margin: 0 0 8px; font-size: 32px; line-height: 1.2; }
h2 { margin: 0 0 12px; font-size: 25px; line-height: 1.25; }
.home-content h2 { text-align: center; }
.home-content ul { margin: 0; padding-left: 23px; }
.home-content li { margin: 8px 0; }
.home-content > p { margin: 20px 0 0; text-align: center; }

.page { min-height: calc(100vh - 150px); padding: 38px 0 48px; }
.lead { margin: 0 0 28px; color: var(--muted); font-size: 17px; }
.plain-sections { margin-top: 28px; }
.plain-sections.two-columns { display: grid; grid-template-columns: 1fr 1fr; gap: 55px; }
.plain-section, .plain-sections section { padding: 24px 0; border-top: 1px solid var(--line); }
.plain-section ul, .plain-sections ul { margin: 0; padding-left: 22px; }
.plain-section li, .plain-sections li { margin: 6px 0; }
.plain-section p { max-width: 720px; }
.rate-table { width: 100%; margin: 16px 0 12px; border-collapse: collapse; }
.rate-table th, .rate-table td { padding: 10px 8px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
.rate-table th:last-child, .rate-table td:last-child { width: 145px; white-space: nowrap; font-weight: 700; }
.rate-table small { display: block; margin-top: 2px; line-height: 1.4; }
.rate-note { margin-bottom: 0; color: var(--muted); }
.policy-columns { margin-top: 0; }
.policy-columns section p { margin: 0 0 10px; }
.final-cta { padding-bottom: 0; }

.steps { max-width: 760px; margin: 28px 0 30px; padding-left: 29px; }
.steps li { padding: 10px 0 10px 5px; }
.steps strong { display: block; margin-bottom: 2px; }
.steps span { color: var(--muted); }

.request-page { max-width: 700px; }
form { padding-top: 22px; border-top: 1px solid var(--line); }
form > label, .fields label { display: block; margin-bottom: 15px; font-weight: 700; }
small { color: #6b6f73; font-weight: 400; }
.fields { display: grid; gap: 15px; }
.fields.two { grid-template-columns: 1fr 1fr; }
.fields.three { grid-template-columns: repeat(3, 1fr); }
input, select, textarea { width: 100%; margin-top: 5px; border: 1px solid #8d8d89; border-radius: 0; padding: 9px 10px; color: var(--ink); background: #fff; }
textarea { resize: vertical; }
input:focus, select:focus, textarea:focus { outline: 2px solid #d2aa7e; outline-offset: 1px; }
fieldset { margin: 2px 0 18px; padding: 0; border: 0; }
legend { margin-bottom: 7px; font-weight: 700; }
.checks { display: grid; grid-template-columns: 1fr 1fr; gap: 0 20px; }
.checks label { display: flex; align-items: flex-start; gap: 8px; padding: 7px 0; border-bottom: 1px solid #e5e3df; }
.checks input, .confirmation input { width: 17px; height: 17px; flex: 0 0 17px; margin: 2px 0 0; accent-color: var(--ink); }
.confirmation { display: flex !important; align-items: flex-start; gap: 8px; margin: 21px 0 17px !important; padding-top: 12px; border-top: 1px solid var(--line); }
.form-note { margin: 7px 0 0; color: #686c70; font-size: 13px; }
.form-result { margin-top: 18px; padding: 16px; border: 1px solid #888; background: var(--cream); }
.form-result p { margin: 3px 0 10px; }
.form-result label { display: block; margin-top: 12px; font-weight: 700; }
.form-result textarea { min-height: 250px; background: #fff; font-family: Arial, Helvetica, sans-serif; font-size: 15px; }
.form-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 10px; }
.form-result button, .email-app-link { border: 1px solid #555; padding: 8px 11px; color: var(--ink); background: #fff; font-weight: 700; text-decoration: none; cursor: pointer; }
.form-result button:hover, .email-app-link:hover { background: #f8f8f8; }

footer { color: #eee; background: var(--ink); }
.footer-row { min-height: 70px; display: flex; align-items: center; justify-content: space-between; gap: 25px; font-size: 14px; }

@media (max-width: 700px) {
  .wrap { width: min(calc(100% - 28px), var(--width)); }
  .header-row { min-height: 62px; }
  .logo { width: 175px; flex-basis: 175px; }
  nav a:not(:last-child) { display: none; }
  .hero { padding: 48px 0 46px; }
  .hero h1 { font-size: 30px; }
  .hero p { font-size: 16px; }
  .home-content { padding: 29px 0 32px; }
  .plain-sections.two-columns { grid-template-columns: 1fr; gap: 0; }
  .rate-table th, .rate-table td { padding-left: 4px; padding-right: 4px; }
  .rate-table th:last-child, .rate-table td:last-child { width: 112px; }
  .fields.two, .fields.three, .checks { grid-template-columns: 1fr; gap: 0; }
  .form-result { margin-left: -4px; margin-right: -4px; padding: 13px; }
  .form-result textarea { min-height: 300px; }
  .form-actions > * { width: 100%; text-align: center; }
  .footer-row { align-items: flex-start; flex-direction: column; justify-content: center; gap: 2px; padding: 16px 0; }
}