:root {
    --fo-night: #1e2b3c;
    --fo-ink: #2d2d2d;
    --fo-ivory: #f6f3ee;
    --fo-paper: #fffaf3;
    --fo-gold: #c9ab6a;
    --fo-gold-dark: #9a6f26;
    --fo-clay: #8f5f46;
    --fo-teal: #2d6158;
    --fo-muted: #657184;
    --fo-line: #e3d8ca;
    --fo-error: #b42318;
    color: var(--fo-ink);
    font-family: Poppins, Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    background: var(--fo-ivory);
    margin: 0;
}

a {
    color: inherit;
}

.fo-header {
    align-items: center;
    background: rgba(255, 250, 243, 0.97);
    border-bottom: 1px solid var(--fo-line);
    display: flex;
    gap: 24px;
    justify-content: space-between;
    padding: 14px 48px;
    position: sticky;
    top: 0;
    z-index: 10;
}

.fo-brand {
    align-items: center;
    display: inline-flex;
    min-height: 52px;
    text-decoration: none;
}

.fo-brand img {
    display: block;
    height: 50px;
    width: auto;
}

.fo-brand-text {
    border-left: 2px solid var(--fo-gold);
    color: var(--fo-night);
    display: grid;
    font-weight: 800;
    letter-spacing: 0.12em;
    line-height: 1.05;
    padding-left: 14px;
}

.fo-brand-text span {
    color: var(--fo-gold-dark);
    font-size: 0.78rem;
}

.fo-nav {
    align-items: center;
    display: flex;
    flex-wrap: wrap;
    gap: 16px;
    justify-content: flex-end;
}

.fo-nav a {
    color: var(--fo-night);
    font-size: 0.93rem;
    font-weight: 700;
    text-decoration: none;
}

.fo-nav a:hover,
.fo-nav a:focus {
    color: var(--fo-gold-dark);
}

.fo-nav-cta,
.fo-button {
    align-items: center;
    background: var(--fo-gold);
    border: 1px solid var(--fo-gold);
    border-radius: 8px;
    color: #fff;
    display: inline-flex;
    font-weight: 800;
    justify-content: center;
    min-height: 48px;
    padding: 12px 18px;
    text-decoration: none;
}

.fo-nav .fo-nav-cta {
    color: #fff;
}

.fo-nav-cta:hover,
.fo-nav-cta:focus,
.fo-button:hover,
.fo-button:focus {
    background: var(--fo-gold-dark);
    border-color: var(--fo-gold-dark);
    color: #fff;
}

.fo-hero {
    align-items: end;
    background:
        linear-gradient(90deg, rgba(30, 43, 60, 0.9), rgba(30, 43, 60, 0.5)),
        var(--hero-image, linear-gradient(90deg, var(--fo-night), #3e4b58));
    background-position: center;
    background-size: cover;
    color: #fff;
    display: grid;
    min-height: 620px;
    padding: 96px 48px;
}

.fo-hero-content,
.fo-page-hero,
.fo-band,
.fo-footer {
    margin: 0 auto;
    max-width: 1160px;
    width: 100%;
}

.fo-hero-content {
    padding-top: 80px;
}

.fo-eyebrow {
    color: var(--fo-gold);
    font-size: 0.82rem;
    font-weight: 800;
    letter-spacing: 0.08em;
    margin: 0 0 12px;
    text-transform: uppercase;
}

h1,
h2,
h3 {
    color: var(--fo-night);
    font-family: Lora, Georgia, serif;
    letter-spacing: 0;
    line-height: 1.08;
    margin: 0;
    overflow-wrap: anywhere;
}

.fo-hero h1,
.fo-hero p {
    color: #fff;
}

.fo-hero h1 {
    font-size: 4.8rem;
    max-width: 760px;
}

.fo-hero p:not(.fo-eyebrow) {
    font-size: 1.25rem;
    max-width: 640px;
}

.fo-page-hero {
    padding: 88px 48px 56px;
}

.fo-page-hero h1 {
    font-size: 3.4rem;
    max-width: 820px;
}

.fo-page-hero p {
    color: var(--fo-muted);
    font-size: 1.12rem;
    max-width: 760px;
}

.fo-page-hero-image {
    background:
        linear-gradient(90deg, rgba(246, 243, 238, 0.96), rgba(246, 243, 238, 0.7)),
        var(--hero-image, transparent);
    background-position: center right;
    background-repeat: no-repeat;
    background-size: cover;
}

.fo-band {
    padding: 64px 48px;
}

.fo-muted {
    background: #efe8dd;
    max-width: none;
    padding-left: max(48px, calc((100vw - 1160px) / 2 + 48px));
    padding-right: max(48px, calc((100vw - 1160px) / 2 + 48px));
}

.fo-intro {
    border-bottom: 1px solid var(--fo-line);
}

.fo-section-heading {
    margin-bottom: 28px;
    max-width: 760px;
}

.fo-section-heading h2,
.fo-feature h2 {
    font-size: 2.35rem;
}

.fo-split {
    display: grid;
    gap: 40px;
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.fo-split p,
.fo-feature p,
.fo-card p,
.fo-faq p,
.fo-timeline p,
.fo-help {
    color: var(--fo-muted);
    font-size: 1rem;
    line-height: 1.65;
}

.fo-card-grid {
    display: grid;
    gap: 18px;
    grid-template-columns: repeat(4, minmax(0, 1fr));
}

.fo-card {
    background: var(--fo-paper);
    border: 1px solid var(--fo-line);
    border-radius: 8px;
    display: grid;
    gap: 12px;
    min-height: 220px;
    padding: 24px;
}

.fo-card span {
    color: var(--fo-teal);
    font-weight: 800;
}

.fo-card h2,
.fo-card h3 {
    font-size: 1.35rem;
}

.fo-feature {
    align-items: center;
    border-block: 1px solid var(--fo-line);
    display: flex;
    gap: 24px;
    justify-content: space-between;
    padding: 36px 0;
}

.fo-text-link {
    color: var(--fo-teal);
    font-weight: 800;
}

.fo-timeline {
    counter-reset: step;
    display: grid;
    gap: 18px;
    list-style: none;
    margin: 0;
    padding: 0;
}

.fo-timeline li {
    background: var(--fo-paper);
    border: 1px solid var(--fo-line);
    border-radius: 8px;
    padding: 22px 24px;
}

.fo-timeline strong {
    color: var(--fo-night);
    display: block;
    font-size: 1.15rem;
}

.fo-faq {
    display: grid;
    gap: 16px;
}

.fo-faq article {
    border-bottom: 1px solid var(--fo-line);
    padding: 0 0 18px;
}

.fo-faq h2 {
    font-size: 1.35rem;
}

.fo-definition-list {
    display: grid;
    gap: 0;
    margin: 0;
}

.fo-definition-list div {
    border-bottom: 1px solid var(--fo-line);
    display: grid;
    gap: 18px;
    grid-template-columns: 260px minmax(0, 1fr);
    padding: 16px 0;
}

.fo-definition-list dt {
    color: var(--fo-muted);
    font-weight: 800;
}

.fo-definition-list dd {
    margin: 0;
}

.fo-form {
    display: grid;
    gap: 18px;
    max-width: 860px;
}

.fo-form-grid {
    display: grid;
    gap: 18px;
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.fo-form label {
    color: var(--fo-night);
    display: grid;
    font-weight: 800;
    gap: 8px;
}

.fo-form input,
.fo-form select,
.fo-form textarea {
    background: #fff;
    border: 1px solid #cdbfaf;
    border-radius: 8px;
    color: var(--fo-night);
    font: inherit;
    min-height: 48px;
    padding: 11px 13px;
    width: 100%;
}

.fo-form textarea {
    min-height: 130px;
}

.fo-form input:focus,
.fo-form select:focus,
.fo-form textarea:focus {
    border-color: var(--fo-gold);
    outline: 3px solid rgba(201, 171, 106, 0.28);
}

.fo-alert {
    background: #fff5f2;
    border: 1px solid #ffc7ba;
    border-radius: 8px;
    color: var(--fo-error);
    margin-bottom: 24px;
    padding: 16px 18px;
}

.fo-alert ul {
    margin: 8px 0 0;
    padding-left: 18px;
}

.ms-panel {
    border-bottom: 1px solid var(--fo-line);
    margin: 0 auto;
    max-width: 1160px;
    padding: 34px 48px;
}

.ms-panel h1 {
    font-size: 3.1rem;
}

.ms-panel h2 {
    font-size: 1.75rem;
}

.ms-panel p,
.ms-help {
    color: var(--fo-muted);
    line-height: 1.65;
}

.ms-eyebrow {
    color: var(--fo-gold-dark);
    font-size: 0.82rem;
    font-weight: 800;
    letter-spacing: 0.08em;
    margin: 0 0 12px;
    text-transform: uppercase;
}

.ms-lines {
    border-collapse: collapse;
    width: 100%;
}

.ms-lines th,
.ms-lines td {
    border-bottom: 1px solid var(--fo-line);
    padding: 12px 8px;
    text-align: left;
    vertical-align: top;
}

.fo-footer {
    border-top: 1px solid var(--fo-line);
    color: var(--fo-night);
    display: grid;
    gap: 18px;
    padding: 36px 48px 46px;
}

.fo-footer p {
    color: var(--fo-muted);
    margin: 8px 0 0;
}

.fo-footer nav {
    display: flex;
    flex-wrap: wrap;
    gap: 16px;
}

.fo-footer a {
    color: var(--fo-teal);
    font-weight: 700;
}

.fo-copyright {
    font-size: 0.9rem;
}

@media (max-width: 980px) {
    .fo-header {
        align-items: flex-start;
        flex-direction: column;
        padding: 14px 22px;
    }

    .fo-nav {
        justify-content: flex-start;
    }

    .fo-hero {
        min-height: 560px;
        padding: 76px 22px;
    }

    .fo-hero h1 {
        font-size: 3.2rem;
    }

    .fo-page-hero {
        padding: 56px 22px 34px;
    }

    .fo-page-hero h1 {
        font-size: 2.35rem;
    }

    .fo-band {
        padding: 42px 22px;
    }

    .ms-panel {
        padding: 30px 22px;
    }

    .fo-muted {
        padding-left: 22px;
        padding-right: 22px;
    }

    .fo-split,
    .fo-form-grid {
        grid-template-columns: 1fr;
    }

    .fo-card-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .fo-feature {
        align-items: flex-start;
        flex-direction: column;
    }
}

@media (max-width: 620px) {
    .fo-card-grid,
    .fo-definition-list div {
        grid-template-columns: 1fr;
    }

    .fo-card {
        min-height: 0;
    }

    .fo-nav-cta,
    .fo-button {
        width: 100%;
    }
}