:root {
  --ink: #15202b;
  --muted: #5b6b7c;
  --line: rgba(21, 32, 43, 0.12);
  --blue: #378add;
  --blue-deep: #185fa5;
  --paper: #f7fbff;
  --shadow: 0 24px 60px rgba(24, 40, 60, 0.12);
  --radius: 18px;
  --font-display: "Fraunces", "Iowan Old Style", Georgia, serif;
  --font-body: "Figtree", "Segoe UI", sans-serif;
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  min-height: 100vh;
  color: var(--ink);
  font-family: var(--font-body);
  background:
    radial-gradient(1100px 680px at 8% -8%, rgba(55, 138, 221, 0.28), transparent 58%),
    radial-gradient(900px 520px at 100% 12%, rgba(24, 95, 165, 0.14), transparent 55%),
    linear-gradient(168deg, #e8f2fb 0%, #f4f8fc 48%, #eef3f8 100%);
  line-height: 1.5;
}

.sky {
  position: fixed;
  inset: 0;
  pointer-events: none;
  background-image:
    linear-gradient(rgba(255,255,255,0.35) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.28) 1px, transparent 1px);
  background-size: 72px 72px;
  mask-image: linear-gradient(to bottom, rgba(0,0,0,0.35), transparent 70%);
  opacity: 0.35;
}

.page {
  position: relative;
  width: min(1120px, calc(100% - 2.5rem));
  margin: 0 auto;
  padding: 1.5rem 0 4rem;
}

.top {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  margin-bottom: 1.75rem;
  animation: rise 700ms ease both;
}

.logo {
  width: 56px;
  height: 56px;
  display: block;
}

.wordmark {
  font-family: var(--font-display);
  font-size: 1.55rem;
  font-weight: 650;
  letter-spacing: 0.04em;
}

.hero {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 2.25rem;
  align-items: center;
  /* Fit brand + headline + form in the first viewport — do not stretch and sink copy */
  min-height: 0;
}

.hero-copy {
  animation: rise 850ms ease both;
  animation-delay: 80ms;
  padding-top: 0.25rem;
}

.eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--blue-deep);
  margin-bottom: 0.75rem;
}

h1 {
  font-family: var(--font-display);
  font-weight: 620;
  font-size: clamp(2.1rem, 4.2vw, 3.15rem);
  line-height: 1.08;
  letter-spacing: -0.02em;
  margin: 0 0 0.9rem;
  max-width: 16ch;
}

.lede {
  font-size: 1.12rem;
  color: var(--muted);
  max-width: 38ch;
  margin: 0;
}

.panel {
  background: rgba(247, 251, 255, 0.94);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 1.25rem 1.25rem 1.35rem;
  animation: rise 900ms ease both;
  animation-delay: 140ms;
}

.panel h2 {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 600;
  margin: 0 0 0.35rem;
}

.panel p {
  margin: 0 0 0.85rem;
  color: var(--muted);
  font-size: 0.95rem;
}

label {
  display: block;
  font-size: 0.78rem;
  font-weight: 650;
  letter-spacing: 0.02em;
  margin: 0.4rem 0 0.25rem;
}

input, select {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: #fff;
  padding: 0.65rem 0.8rem;
  font: inherit;
  color: var(--ink);
}

input:focus, select:focus {
  outline: 2px solid color-mix(in srgb, var(--blue) 55%, white);
  border-color: var(--blue);
}

.hp {
  position: absolute;
  left: -10000px;
  top: auto;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

button {
  margin-top: 1rem;
  width: 100%;
  border: 0;
  border-radius: 999px;
  background: linear-gradient(135deg, var(--blue), var(--blue-deep));
  color: #fff;
  font: inherit;
  font-weight: 700;
  padding: 0.9rem 1rem;
  cursor: pointer;
  transition: transform 160ms ease, filter 160ms ease;
}

button:hover { filter: brightness(1.05); transform: translateY(-1px); }
button:disabled { opacity: 0.65; cursor: wait; transform: none; }

.form-note {
  margin-top: 0.85rem;
  font-size: 0.8rem;
  color: var(--muted);
}

.form-status {
  margin-top: 0.85rem;
  font-size: 0.92rem;
  font-weight: 600;
  min-height: 1.3em;
}
.form-status.ok { color: #0f6e56; }
.form-status.err { color: #9b1c1c; }

.section {
  margin-top: 3.5rem;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem 2rem;
  animation: rise 950ms ease both;
  animation-delay: 220ms;
  border-top: 1px solid var(--line);
  padding-top: 2rem;
}

.point h3 {
  font-family: var(--font-display);
  font-size: 1.15rem;
  margin: 0 0 0.45rem;
}

.point p {
  margin: 0;
  color: var(--muted);
  font-size: 0.95rem;
}

.underwriter {
  margin-top: 2.25rem;
  padding: 1.5rem 0 0;
  border-top: 1px solid var(--line);
  animation: rise 1000ms ease both;
  animation-delay: 280ms;
}

.underwriter h2 {
  font-family: var(--font-display);
  font-size: 1.55rem;
  margin: 0 0 0.55rem;
}

.underwriter p {
  margin: 0;
  max-width: 62ch;
  color: var(--muted);
}

.footer {
  margin-top: 3rem;
  color: var(--muted);
  font-size: 0.85rem;
}
.footer a { color: var(--muted); }

@keyframes rise {
  from { opacity: 0; transform: translateY(14px); }
  to { opacity: 1; transform: translateY(0); }
}

@media (max-width: 860px) {
  .hero { grid-template-columns: 1fr; gap: 1.75rem; min-height: 0; }
  h1 { max-width: none; }
  .section { grid-template-columns: 1fr; }
  .page { width: min(1120px, calc(100% - 1.5rem)); padding-top: 1.5rem; }
}