:root {
   --navy: #0D1B4B;
   --teal: #3DBFA0;
   --teal-light: #f0faf6;
   --teal-border: #c5e8da;
   --green-dark: #0F6E56;
   --body: #374151;
   --muted: #64748b;
   --border: #e2e8f0;
   --bg: #f8fafc;
 }
 /* ── HERO ── */
 .hero {
   background: var(--navy);

   text-align: center;
   border-bottom: 4px solid var(--teal);
 }
 .hero-eyebrow {
   display: flex;
   align-items: center;
   justify-content: center;
   gap: 12px;
   margin-bottom: 28px;
 }
 .hero-line {
   width: 32px;
   height: 1px;
   background: var(--teal);
   opacity: 0.5;
 }
.hero-eyebrow-text {
    font-size: 14px;
    font-weight: 400;
    letter-spacing: 2.5px;
    color: var(--teal);
    text-transform: uppercase;
}
 .hero-icon-wrap {
   width: 64px;
   height: 64px;
   border-radius: 50%;
   background: var(--teal);
   display: flex;
   align-items: center;
   justify-content: center;
   margin: 0 auto 28px;
 }
 .hero h1 {
   
   font-size: clamp(32px, 5vw, 48px);
  
   color: #ffffff;
   line-height: 1.15;
   margin: 0 0 16px;
   max-width: 640px;
   margin-left: auto;
   margin-right: auto;
 }
 .hero h1 em {
   font-style: italic;
   color: var(--teal);
	 font-family: 'DM Serif Display', serif;
 }
 .hero-sub {
   font-size: 16px;
   color: rgba(255, 255, 255, 0.6);
   line-height: 1.7;
   max-width: 480px;
   margin: 0 auto 36px;
 }
 .hero-trust {
   display: flex;
   gap: 28px;
   justify-content: center;
   flex-wrap: wrap;
 }
 .trust-item {
   display: flex;
   align-items: center;
   gap: 8px;
   font-size: 16px;
   color: rgba(255, 255, 255, 0.7);
 }
 .trust-tick {
   width: 18px;
   height: 18px;
   border-radius: 50%;
   background: rgba(61, 191, 160, 0.2);
   border: 1px solid rgba(61, 191, 160, 0.4);
   display: flex;
   align-items: center;
   justify-content: center;
   flex-shrink: 0;
 }
 /* ── WHAT TO EXPECT ── */
 .expect-section {
   background: #ffffff;
   border-bottom: 1px solid var(--border);
 }
 .expect-inner {
   margin: 0 auto;
 }
 .section-eyebrow {
font-weight: 400;
    font-size: 15px;
    text-transform: uppercase;
    letter-spacing: 3.25px;
   color: var(--teal);
   display: block;
   margin-bottom: 12px;
 }
 .section-heading {

   color: var(--navy);
   margin-bottom: 40px;
   line-height: 1.3;
   text-align: left;
 }
 .expect-grid {
   display: grid;
   grid-template-columns: repeat(3, minmax(0, 1fr));
   gap: 20px;
 }
 .expect-card {
   background: var(--bg);
   border: 1px solid var(--border);
   border-radius: 12px;
   padding: 24px 20px;
 }
 .expect-num {
   width: 36px;
   height: 36px;
   border-radius: 50%;
   background: var(--navy);
   color: #fff;
   font-size: 15px;
   font-weight: 700;
   display: flex;
   align-items: center;
   justify-content: center;
   margin-bottom: 20px;
 }
 .expect-title {
   font-size: 22px;
	     font-family: 'Spartan';
   font-weight: 700;
   color: var(--navy);
   margin-bottom: 8px;
   line-height: 1.3;
 }
 .expect-body {
   font-size: 16px;
	 margin-bottom: 0;
 
 }
 /* ── ABOUT BAND ── */
 .about-band {
   background: var(--teal-light);
   border-top: 1px solid var(--teal-border);
   border-bottom: 1px solid var(--teal-border);

   text-align: center;
 }
 .about-band-label {
   display: block;
   
	 
	font-weight: 400;
    font-size: 15px;
    text-transform: uppercase;
    letter-spacing: 3.25px;
    color: var(--teal);
    display: block;
    margin-bottom: 12px; 
	 
 }
 .about-band h2 {
 
   color: var(--navy);
   margin-bottom: 12px;
   line-height: 1.25;
 }
 .about-band p {

   max-width: 625px;
   margin: 0 auto;
 }
 /* ── RESOURCE CARDS ── */
 .resources-section {
   background: #ffffff;
   border-bottom: 1px solid var(--border);
 }
 .resources-inner {
  
   margin: 0 auto;

 }
 .resources-grid {
   display: grid;
   grid-template-columns: repeat(3, minmax(0, 1fr));
   gap: 16px;
 }
 .resource-card {
   background: var(--bg);
   border: 1px solid var(--border);
   border-radius: 12px;
   padding: 22px 20px;
   text-decoration: none;
   display: block;
   transition: border-color 0.15s, transform 0.15s;
 }
 .resource-card:hover {
   border-color: var(--teal);
   transform: translateY(-2px);
 }
 .resource-label {
   font-size: 14px;
   font-weight: 400;
   letter-spacing: 1.5px;
   color: var(--teal);
   text-transform: uppercase;
   margin-bottom: 6px;
 }
 .resource-title {
   font-size: 22px;
	 font-family: 'Spartan';
    font-weight: 700;
   color: var(--navy);
   margin-bottom: 6px;
   line-height: 1.3;
 }
 .resource-body {
   font-size: 16px;
   color: #08123D;
   line-height: 1.6;
   margin-bottom: 12px;
 }
 .resource-link {
   font-size: 16px;
   font-weight: 600;
   color: var(--teal);
 }
 /* ── CLOSING CTA ── */
 .closing-section {
   background: var(--navy);
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
   text-align: center;
 }
 .closing-section h2 {

   color: #fff;
   margin-bottom: 10px;
   line-height: 1.25;
 }
 .closing-section p {
 
   color: rgba(255, 255, 255, 0.6);
   
   margin-bottom: 28px;
   max-width: 440px;
   margin-left: auto;
   margin-right: auto;
 }
 .btn-row {
   display: flex;
   gap: 12px;
   justify-content: center;
   flex-wrap: wrap;
 }
 .btn-white {
   display: inline-flex;
   align-items: center;
   padding: 13px 28px;
   background: #ffffff;
   color: var(--navy);
   border-radius: 28px;
   font-size: 15px;

   text-decoration: none;
   transition: background 0.15s;
 }
 .btn-white:hover {
   background: #e8f8f2;
 }
 .btn-outline-white {
   display: inline-flex;
   align-items: center;
   padding: 12px 24px;
   background: transparent;
   color: rgba(255, 255, 255, 0.8);
   border: 1px solid rgba(255, 255, 255, 0.3);
   border-radius: 28px;
   font-size: 14px;
   font-weight: 500;
   text-decoration: none;
 }
 .settle-smart-white {
   display: block;
   font-size: 10px;
   letter-spacing: 2px;
   color: rgba(255, 255, 255, 0.3);
   text-transform: uppercase;
   margin-top: 20px;
 }
 /* ── FOOTER ── */
 .footer {
   background: #0a1540;
   
 }
 .footer-top {
   display: flex;
   justify-content: space-between;
   align-items: flex-start;
   gap: 40px;
   flex-wrap: wrap;
   margin-bottom: 40px;
 }
 .footer-logo-text {
   font-size: 20px;
   font-weight: 500;
   color: #fff;
 }
 .footer-logo-text span {
   color: var(--teal);
 }

 .footer-links-col h4 {
   font-size: 11px;
   font-weight: 600;
   letter-spacing: 1.5px;
   color: rgba(255, 255, 255, 0.4);
   text-transform: uppercase;
   margin-bottom: 12px;
 }
 .footer-links-col a {
   display: block;
   font-size: 13px;
   color: rgba(255, 255, 255, 0.6);
   text-decoration: none;
   margin-bottom: 8px;
 }
 .footer-links-col a:hover {
   color: #fff;
 }
 .footer-bottom {
  
   padding-top: 24px;
   display: flex;
   align-items: center;
   justify-content: space-between;
   flex-wrap: wrap;
   gap: 12px;
 }

 @media (max-width: 680px) {
   .nav {
     padding: 14px 20px;
   }

   .expect-grid, .resources-grid {
     grid-template-columns: 1fr;
   }

 
   .footer-top {
     flex-direction: column;
     gap: 28px;
   }
   .footer-bottom {
     flex-direction: column;
     gap: 6px;
   }
 }

@media(min-width: 768px) and (max-width: 991.99px) {
	.resources-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
}
.expect-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
}	
}


 .btn {
   display: inline-flex;
   align-items: center;
   gap: 10px;
   padding: 16px 30px;
   border-radius: 100px;
   font-family: inherit;
   font-size: 16px;
   font-weight: 600;
   text-decoration: none;
   transition: all 0.2s;
   cursor: pointer;
   border: none;
   letter-spacing: -0.005em;
 }
 .btn-primary {
   background: var(--navy);
   color: var(--white);
   position: relative;
   overflow: hidden;
 }