@font-face { font-family: "Bricolage Grotesque"; font-style: normal; font-weight: 600 700; font-display: swap; src: url(fonts/bricolage-grotesque.woff2) format("woff2"); }
@font-face { font-family: "Source Sans 3"; font-style: normal; font-weight: 400 700; font-display: swap; src: url(fonts/source-sans-3.woff2) format("woff2"); }
:root {
  --navy: #152d4a;
  --ink: #182b43;
  --kuning: #f2c94c;
  --canvas: #f5f7fa;
  --surface: #ffffff;
  --line: #dce3eb;
  --muted: #5b6b7f;
  --display: "Bricolage Grotesque", system-ui, sans-serif;
  --body: "Source Sans 3", system-ui, -apple-system, "Segoe UI", sans-serif;
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  background: var(--canvas);
  color: var(--ink);
  font: 400 1.0625rem/1.6 var(--body);
}
a { color: var(--navy); text-underline-offset: 3px; }
a:focus-visible, .btn:focus-visible { outline: 3px solid var(--kuning); outline-offset: 3px; border-radius: 4px; }
.wrap { max-width: 1040px; margin: 0 auto; padding: 0 20px; }

/* Header */
.top { background: var(--surface); border-bottom: 1px solid var(--line); }
.top .wrap { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 12px 24px; padding-top: 14px; padding-bottom: 14px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--ink); font: 700 1.05rem/1.2 var(--display); }
.brand svg { width: 36px; height: 36px; flex: none; }
.top nav { display: flex; flex-wrap: wrap; gap: 4px 20px; font-size: 0.975rem; }
.top nav a { text-decoration: none; color: var(--muted); padding: 4px 0; }
.top nav a:hover { color: var(--navy); }
.top nav a[aria-current="page"] { color: var(--navy); font-weight: 600; box-shadow: inset 0 -2px 0 var(--kuning); }

/* Hero: the one loud thing */
.hero { background: var(--navy); color: #fff; position: relative; overflow: hidden; }
.hero .wrap { position: relative; z-index: 1; padding-top: 72px; padding-bottom: 76px; }
.hero h1 { font: 700 clamp(2.25rem, 5.5vw, 3.75rem)/1.05 var(--display); letter-spacing: -0.02em; margin: 0; max-width: 14ch; }
.hero p { font-size: 1.2rem; line-height: 1.5; color: #d6dfea; max-width: 46ch; margin: 20px 0 32px; }
.hero .mono { position: absolute; right: -3vw; top: 50%; transform: translateY(-50%); height: 125%; width: auto; max-width: 46%; z-index: 0; }
.actions { display: flex; flex-wrap: wrap; gap: 14px 24px; align-items: center; }
.btn { display: inline-block; background: var(--kuning); color: var(--navy); font-weight: 700; text-decoration: none; padding: 13px 22px; border-radius: 10px; }
.btn:hover { background: #f6d66f; }
.rate { color: #d6dfea; font-size: 1rem; }
.rate strong { color: #fff; font: 700 1.35rem/1 var(--display); }

/* Sections */
section.band { padding: 64px 0; }
section.band + section.band { border-top: 1px solid var(--line); }
h2 { font: 700 clamp(1.5rem, 3vw, 2rem)/1.15 var(--display); letter-spacing: -0.01em; margin: 0 0 12px; }
.lede { color: var(--muted); max-width: 60ch; margin: 0 0 32px; }

ol.steps { list-style: none; counter-reset: s; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px; }
ol.steps li { counter-increment: s; border-top: 3px solid var(--navy); padding-top: 14px; }
ol.steps li::before { content: counter(s); font: 700 1.5rem/1 var(--display); color: var(--navy); display: block; margin-bottom: 10px; }
ol.steps h3 { font: 600 1.1rem/1.3 var(--body); margin: 0 0 6px; }
ol.steps p { margin: 0; color: var(--muted); font-size: 1rem; }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
ul.pay { list-style: none; margin: 0; padding: 0; }
ul.pay li { padding: 14px 0; border-bottom: 1px solid var(--line); }
ul.pay li:first-child { border-top: 1px solid var(--line); }
ul.pay strong { display: block; font-weight: 600; }
ul.pay span { color: var(--muted); font-size: 1rem; }

.company { background: var(--surface); border: 1px solid var(--line); border-radius: 16px; padding: 28px; }
.company dl { display: grid; grid-template-columns: max-content 1fr; gap: 10px 20px; margin: 0; }
.company dt { color: var(--muted); }
.company dd { margin: 0; font-weight: 500; }

/* Policy pages */
.page-head { background: var(--navy); color: #fff; }
.page-head .wrap { padding-top: 44px; padding-bottom: 40px; }
.page-head h1 { font: 700 clamp(1.9rem, 4.5vw, 2.75rem)/1.1 var(--display); letter-spacing: -0.015em; margin: 0; }
.page-head p { margin: 10px 0 0; color: #d6dfea; }
article.doc { max-width: 68ch; padding-top: 44px; padding-bottom: 64px; }
article.doc h2 { font-size: 1.3rem; margin-top: 36px; }
article.doc h2:first-child { margin-top: 0; }
article.doc ul { padding-left: 1.2em; }
article.doc li { margin: 6px 0; }

/* Footer */
footer { background: var(--surface); border-top: 1px solid var(--line); color: var(--muted); font-size: 0.95rem; }
footer .wrap { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px 32px; padding-top: 28px; padding-bottom: 36px; }
footer nav { display: flex; flex-wrap: wrap; gap: 4px 20px; }
footer a { color: var(--muted); }
footer p { margin: 0; }

@media (max-width: 900px) {
  .hero .mono { max-width: none; right: -22vw; height: 130%; }
  .hero .mono path { fill: #1f3c60; }
}
@media (max-width: 820px) {
  ol.steps { grid-template-columns: 1fr 1fr; }
  .split { grid-template-columns: 1fr; gap: 36px; }
}
@media (max-width: 520px) {
  .hero .wrap { padding-top: 48px; padding-bottom: 52px; }
  .hero .mono { right: -40vw; }
  ol.steps { grid-template-columns: 1fr; }
  .company dl { grid-template-columns: 1fr; gap: 2px; }
  .company dd { margin-bottom: 10px; }
  section.band { padding: 48px 0; }
}