:root{--navy:#1d2d60;--blue:#0576bc;--teal:#0576bc;--bg:#f5f8fc;--text:#1f2a37;--muted:#5b6b7f;--r:14px}
*{box-sizing:border-box}body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--text);line-height:1.6}
a{color:var(--blue)}.wrap{max-width:1140px;margin:auto;padding:0 20px}
header{background:#fff;position:sticky;top:0;z-index:9;box-shadow:0 1px 8px #0001}
.nav{display:flex;align-items:center;justify-content:space-between;height:68px}
.logo{display:flex;gap:10px;align-items:center;font-weight:800;color:var(--navy);text-decoration:none;font-size:1.2rem}
.logo img{height:40px;width:auto}.flogo{display:inline-block;background:#fff;border-radius:12px;padding:10px 14px;margin-bottom:12px}.flogo img{height:90px;display:block}
nav ul{display:flex;gap:22px;list-style:none;margin:0;padding:0}nav a{text-decoration:none;color:var(--text);font-weight:500}
nav a.active,nav a:hover{color:var(--blue)}.menu-btn{display:none;background:none;border:0;font-size:1.6rem}
.btn{display:inline-block;background:var(--teal);color:#fff;padding:12px 22px;border-radius:999px;text-decoration:none;font-weight:600;border:0;cursor:pointer;font-size:1rem}
.btn.alt{background:transparent;border:2px solid #fff}.btn:hover{filter:brightness(1.08)}
.hero{background:linear-gradient(135deg,var(--navy),#0b4f8f);color:#fff;padding:90px 0 80px}
.hero h1{font-size:clamp(2rem,4.5vw,3.2rem);line-height:1.15;margin:0 0 16px;max-width:780px}
.hero p{font-size:1.15rem;max-width:640px;opacity:.9}.hero .btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.powered{margin-top:30px;font-size:.9rem;opacity:.75;letter-spacing:.04em}
section{padding:70px 0}section.alt{background:var(--bg)}
h2{font-size:clamp(1.6rem,3vw,2.2rem);color:var(--navy);margin:0 0 10px}.lead{color:var(--muted);max-width:700px;margin:0 0 36px}
.grid{display:grid;gap:22px;grid-template-columns:repeat(3,1fr)}
.card{background:#fff;border-radius:var(--r);padding:26px;box-shadow:0 4px 18px #1d2d600f;border:1px solid #e6edf5}
.card h3{margin:12px 0 8px;color:var(--navy)}.card p{margin:0;color:var(--muted)}
.ic{width:48px;height:48px;border-radius:12px;background:#e3f0fa;display:grid;place-items:center}
.ic svg{width:26px;height:26px;stroke:var(--blue);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.cta{background:var(--teal);color:#fff;text-align:center}.cta h2{color:#fff}.cta .btn{background:var(--navy)}
.steps{counter-reset:s}.steps .card{position:relative;padding-top:50px}
.steps .card:before{counter-increment:s;content:counter(s);position:absolute;top:-18px;left:24px;width:44px;height:44px;border-radius:50%;background:var(--blue);color:#fff;display:grid;place-items:center;font-weight:800;font-size:1.2rem}
.tags{display:flex;flex-wrap:wrap;gap:10px}.tags span{background:#fff;border:1px solid #d6e2f0;padding:8px 16px;border-radius:999px;font-weight:500}
form{display:grid;gap:14px;grid-template-columns:1fr 1fr}form .full{grid-column:1/-1}
label{font-size:.9rem;font-weight:600;display:block;margin-bottom:4px}
input,select,textarea{width:100%;padding:11px;border:1px solid #cdd8e5;border-radius:8px;font:inherit}
.check li{list-style:none;padding-left:28px;position:relative;margin:8px 0}.check li:before{content:"✓";position:absolute;left:0;color:var(--teal);font-weight:800}
.check{padding:0}.two{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.fine{font-size:.82rem;color:var(--muted)}.page-hero{padding:60px 0}
footer{background:var(--navy);color:#c9d6e8;padding:50px 0 24px;font-size:.95rem}footer a{color:#fff}
.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}footer h4{color:#fff;margin:0 0 10px}
footer ul{list-style:none;padding:0;margin:0}.copy{border-top:1px solid #ffffff22;margin-top:30px;padding-top:18px;font-size:.82rem}
@media(max-width:1000px){.grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:820px){.grid{grid-template-columns:1fr}.menu-btn{display:block}nav ul{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;flex-direction:column;padding:18px 20px;box-shadow:0 8px 12px #0001}
nav ul.open{display:flex}.two,.fgrid,form{grid-template-columns:1fr}}

.grid.one{grid-template-columns:1fr}
.headshot{display:block;width:240px;height:240px;max-width:100%;margin:0 auto;border-radius:50%;object-fit:cover;object-position:50% 50%;border:4px solid #fff;box-shadow:0 0 0 3px var(--blue),0 8px 24px #1d2d6033}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.consent label{font-weight:500;display:flex;gap:10px;align-items:flex-start}.consent input{width:auto;margin-top:5px}
input[type=file]{background:#f5f8fc;border-style:dashed}
.status{margin:10px 0 0;font-weight:600}.status.ok{color:#137a3a}.status.err{color:#b42318}.status.busy{color:var(--blue)}
button:disabled{opacity:.6;cursor:wait}

/* Onboarding (Step 1) form */
.notice{background:#fff7e6;border:1px solid #f3c969;border-left:5px solid #e0a100;border-radius:var(--r);padding:16px 20px;margin-bottom:28px}
.ob-form fieldset.ob{border:1px solid #e6edf5;border-radius:var(--r);padding:22px 24px;margin:0;background:#fff;box-shadow:0 4px 18px #1d2d600f}
.ob-form legend{font-weight:800;color:var(--navy);font-size:1.15rem;padding:0 8px}
.ob-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.ob-grid .full{grid-column:1/-1}
.ob-sz{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.ob-mix{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.ob-mix label{font-weight:500}
.ob-checks{display:grid;grid-template-columns:repeat(3,1fr);gap:8px 14px;margin-bottom:16px}
.ob-checks label{font-weight:500;display:flex;gap:8px;align-items:center}.ob-checks input{width:auto}
.owner.card{padding:20px;margin-bottom:16px;background:var(--bg)}.owner h3{margin:0 0 12px;color:var(--navy);display:flex;justify-content:space-between;align-items:center}
.rm-owner{background:none;border:0;color:#b42318;font-weight:600;cursor:pointer}
.btn.ghost{background:#fff;color:var(--blue);border:2px solid var(--blue)}
.ob-form .fine{margin:4px 0 0}.ob-form input.bad,.ob-form select.bad,.ob-form textarea.bad{border-color:#b42318}
#mix-total.warn{color:#b42318;font-weight:600}
@media(max-width:820px){.ob-grid,.ob-mix,.ob-checks{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.ob-grid,.ob-checks{grid-template-columns:1fr}}