:root {
    --ink: #122033;
    --navy: #0b1f3a;
    --gold: #c4a35a;
    --paper: #f6f1e8;
    --muted: #e8e1d4;
    --white: #fffdf8;
    --line: rgba(18, 32, 51, 0.12);
}
* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
    font-family: "Iowan Old Style", "Palatino Linotype", Palatino, Georgia, serif;
    color: var(--ink);
    background: var(--white);
    line-height: 1.55;
}
.wrap { width: min(1080px, calc(100% - 40px)); margin: 0 auto; }
.narrow { width: min(640px, calc(100% - 40px)); }
.site-header { background: var(--navy); color: var(--paper); position: sticky; top: 0; z-index: 5; }
.bar { display: flex; justify-content: space-between; align-items: center; padding: 14px 0; }
.logo { color: var(--paper); text-decoration: none; font-weight: 700; letter-spacing: 0.02em; }
.logo span { color: var(--gold); }
nav { display: flex; gap: 18px; align-items: center; }
nav a { color: var(--paper); text-decoration: none; font-size: 0.95rem; }
.hero { background: linear-gradient(160deg, var(--navy) 0%, #16345c 70%); color: var(--paper); padding: 72px 0 80px; }
.hero h1 { font-size: clamp(2rem, 5vw, 3.4rem); line-height: 1.15; margin: 0 0 16px; max-width: 16ch; }
.lede { font-size: 1.15rem; max-width: 62ch; }
.eyebrow { text-transform: uppercase; letter-spacing: 0.14em; font-size: 0.75rem; color: var(--gold); margin: 0 0 10px; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin: 24px 0; }
.btn {
    display: inline-block;
    background: var(--gold);
    color: var(--navy);
    text-decoration: none;
    border: 0;
    padding: 12px 20px;
    font: inherit;
    font-weight: 700;
    cursor: pointer;
}
.btn-ghost { background: transparent; color: var(--paper); box-shadow: inset 0 0 0 1px var(--paper); }
.btn-small { padding: 8px 14px; }
.trust { display: flex; gap: 18px; flex-wrap: wrap; padding: 0; list-style: none; font-size: 0.92rem; opacity: 0.9; }
.section { padding: 64px 0; }
.section.muted { background: var(--paper); }
.cards { display: grid; gap: 20px; }
.cards.three { grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); }
.cards article { background: var(--white); padding: 22px; border: 1px solid var(--line); }
.steps { padding-left: 20px; }
.steps li { margin-bottom: 10px; }
details { border-top: 1px solid var(--line); padding: 12px 0; }
summary { cursor: pointer; font-weight: 700; }
.cta { background: var(--navy); color: var(--paper); padding: 64px 0; }
.cta-inner { text-align: center; }
.site-footer { background: #081627; color: #d9d2c5; padding: 36px 0 20px; font-size: 0.95rem; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr; gap: 24px; }
.site-footer a { color: var(--gold); }
.fineprint { margin-top: 24px; font-size: 0.8rem; opacity: 0.8; }
.panel { background: var(--paper); padding: 24px; display: grid; gap: 14px; }
label { display: grid; gap: 6px; font-weight: 700; }
input, select {
    font: inherit;
    padding: 10px 12px;
    border: 1px solid var(--line);
    background: var(--white);
}
.hint, .optional { font-weight: 400; font-size: 0.9rem; }
.error { color: #8b1e1e; font-size: 0.9rem; }
.staff { font-family: "Segoe UI", system-ui, sans-serif; background: #f4f6f8; }
.staff-shell { width: min(1100px, calc(100% - 32px)); margin: 24px auto; }
.staff-nav { display: flex; gap: 16px; align-items: center; margin-bottom: 20px; }
.table { width: 100%; border-collapse: collapse; background: white; }
.table th, .table td { text-align: left; padding: 10px 12px; border-bottom: 1px solid #e3e7ec; font-size: 0.92rem; }
.pill { display: inline-block; padding: 2px 8px; background: #eef2f6; border-radius: 99px; font-size: 0.8rem; }
.filters { display: flex; gap: 8px; flex-wrap: wrap; margin: 12px 0 20px; }
textarea {
    font: inherit;
    padding: 10px 12px;
    border: 1px solid var(--line);
    background: var(--white);
    min-height: 80px;
}
.stepper {
    display: flex;
    gap: 12px;
    list-style: none;
    padding: 0;
    margin: 0 0 18px;
    font-size: 0.85rem;
    flex-wrap: wrap;
}
.stepper li { opacity: 0.45; }
.stepper .is-done { opacity: 0.8; }
.stepper .is-current { opacity: 1; font-weight: 700; color: var(--navy); }
.stepper.compact { font-size: 0.78rem; }
.grid-2, .grid-3 { display: grid; gap: 14px; }
.grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.panel { overflow: hidden; }
.panel label, .panel .checks, .panel .grid-2, .panel .grid-3 { min-width: 0; }
.panel input, .panel select, .panel textarea { width: 100%; max-width: 100%; min-width: 0; }
.req { color: #b42318; font-weight: 700; margin-left: 2px; }
.js-other-wrap[hidden], .js-owner-count[hidden] { display: none; }
.disclaimer, .secure-banner, .resume-banner, .on-file {
    font-size: 0.88rem;
    padding: 10px 12px;
    background: #f3ead6;
    margin: 0 0 16px;
}
.secure-banner { background: #122033; color: #f6f1e8; }
.resume-banner { background: #e8eef6; }
.on-file { display: block; background: #eef2f6; font-weight: 400; margin: 0 0 6px; }
.form-actions { display: flex; gap: 10px; flex-wrap: wrap; }
.btn-ghost-ink { background: transparent; color: var(--navy); box-shadow: inset 0 0 0 1px var(--navy); }
.check { font-weight: 400; display: flex; gap: 8px; align-items: flex-start; }
.check input { width: auto; margin-top: 4px; }
.checks { border: 0; padding: 0; margin: 0; display: grid; gap: 8px; }
.checks legend { font-weight: 700; margin-bottom: 4px; }
.choice-cards { display: grid; gap: 16px; grid-template-columns: 1fr 1fr; }
.choice-cards article { background: var(--paper); padding: 22px; border: 1px solid var(--line); }
.fields { display: grid; gap: 10px; }
.fields > div { display: grid; grid-template-columns: 220px 1fr; gap: 12px; }
.fields dt { font-weight: 700; }
.fields dd { margin: 0; }
.sensitive { font-family: "Segoe UI", system-ui, sans-serif; letter-spacing: 0.04em; }
@media (max-width: 700px) {
    .footer-grid { grid-template-columns: 1fr; }
    nav { display: none; }
    .grid-2, .grid-3, .choice-cards, .fields > div { grid-template-columns: 1fr; }
}