:root {
  --bg: #e8e5de;
  --surface: #ffffff;
  --surface-alt: #f2efe9;
  --ink: #1c2b3a;
  --ink-mid: #4d5e6d;
  --ink-soft: #7e8f9e;
  --blue: #2c6a9b;
  --blue-d: #1f5480;
  --blue-lt: #dde9f2;
  --rust: #b75430;
  --rust-lt: #f0ddd5;
  --gold: #e8a832;
  --border: #c8c4bb;
  --border-lt: #dad7cf;
  --nav-bg: #1c2b3a;
  --nav-txt: #e2ddd4;
  --ff: system-ui,-apple-system,'Segoe UI',Helvetica,Arial,sans-serif;
  --mw: 1160px;
  --nh: 62px;
  --r-s: 3px;
  --r-m: 7px;
  --r-l: 14px;
  --sh-s: 0 1px 4px rgba(28,43,58,.08);
  --sh-m: 0 4px 16px rgba(28,43,58,.12);
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}

html{scroll-behavior:smooth;font-size:16px}

body{
  font-family:var(--ff);
  background:var(--bg);
  color:var(--ink);
  line-height:1.65;
  min-height:100vh;
  display:flex;
  flex-direction:column;
}

img{max-width:100%;height:auto;display:block}

a{color:var(--blue);text-decoration:none}
a:hover{color:var(--blue-d);text-decoration:underline}
a:focus-visible{outline:2px solid var(--blue);outline-offset:3px;border-radius:var(--r-s)}

.cw-wrap{
  width:100%;
  max-width:var(--mw);
  margin-inline:auto;
  padding-inline:1.375rem;
}

/* NAV */
.cw-nav{
  background:var(--nav-bg);
  min-height:var(--nh);
  position:sticky;
  top:0;
  z-index:100;
  border-bottom:3px solid var(--gold);
}

.cw-nav-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:1rem;
  min-height:var(--nh);
  max-width:var(--mw);
  margin-inline:auto;
  padding-inline:1.375rem;
  flex-wrap:wrap;
  padding-block:0.5rem;
}

.cw-nav-brand{
  font-size:1.2rem;
  font-weight:800;
  letter-spacing:-0.025em;
  color:var(--nav-txt);
  text-decoration:none;
  display:flex;
  align-items:center;
  gap:0.5rem;
  flex-shrink:0;
}
.cw-nav-brand:hover{color:var(--gold);text-decoration:none}
.cw-nav-brand svg{width:26px;height:26px;flex-shrink:0}

.cw-nav-links{
  display:flex;
  list-style:none;
  gap:0.125rem;
  flex-wrap:wrap;
}

.cw-nav-links a{
  display:block;
  padding:0.375rem 0.875rem;
  font-size:0.875rem;
  font-weight:500;
  letter-spacing:0.015em;
  color:var(--nav-txt);
  border-radius:var(--r-s);
  transition:background .15s,color .15s;
  text-decoration:none;
}
.cw-nav-links a:hover,.cw-nav-links a[aria-current="page"]{
  background:rgba(255,255,255,.1);
  color:var(--gold);
}
.cw-nav-links a:focus-visible{outline:2px solid var(--gold);outline-offset:2px}

/* HERO */
.cw-hero{
  background:var(--nav-bg);
  color:var(--nav-txt);
  padding-block:4.5rem 5rem;
  overflow:hidden;
}

.cw-hero-grid{
  display:grid;
  grid-template-columns:1fr 400px;
  gap:3rem;
  align-items:center;
}

.cw-eyebrow{
  font-size:0.7rem;
  font-weight:700;
  letter-spacing:0.16em;
  text-transform:uppercase;
  color:var(--gold);
  display:block;
  margin-bottom:0.875rem;
}

.cw-hero h1{
  font-size:clamp(1.875rem,3.75vw,2.75rem);
  font-weight:800;
  line-height:1.18;
  letter-spacing:-0.03em;
  color:#fff;
  margin-bottom:1.25rem;
}

.cw-hero-intro{
  font-size:1.0625rem;
  line-height:1.72;
  color:#a8b8c8;
  margin-bottom:2rem;
  max-width:50ch;
}

.cw-hero-actions{
  display:flex;
  flex-wrap:wrap;
  gap:0.875rem;
}

.cw-hero-graphic{
  display:flex;
  justify-content:center;
  align-items:center;
}

/* BUTTONS */
.cw-btn{
  display:inline-flex;
  align-items:center;
  gap:0.4rem;
  padding:0.7rem 1.5rem;
  border-radius:var(--r-s);
  font-family:var(--ff);
  font-size:0.9rem;
  font-weight:600;
  letter-spacing:0.01em;
  cursor:pointer;
  border:2px solid transparent;
  transition:background .15s,color .15s,border-color .15s;
  text-decoration:none;
}
.cw-btn:focus-visible{outline:2px solid var(--blue);outline-offset:3px}
.cw-btn:hover{text-decoration:none}

.cw-btn-primary{background:var(--blue);color:#fff;border-color:var(--blue)}
.cw-btn-primary:hover{background:var(--blue-d);border-color:var(--blue-d);color:#fff}

.cw-btn-ghost{background:transparent;color:var(--nav-txt);border-color:rgba(255,255,255,.28)}
.cw-btn-ghost:hover{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.45);color:#fff}

.cw-btn-outline{background:transparent;color:var(--blue);border-color:var(--blue)}
.cw-btn-outline:hover{background:var(--blue);color:#fff}

.cw-btn-white{background:#fff;color:var(--rust);border-color:#fff}
.cw-btn-white:hover{background:rgba(255,255,255,.9);color:var(--rust)}

/* BANDS */
.cw-band{padding-block:4rem}
.cw-band-surface{background:var(--surface)}
.cw-band-alt{background:var(--surface-alt)}
.cw-band-dark{background:var(--nav-bg);color:var(--nav-txt)}
.cw-band-rust{background:var(--rust);color:#fff}
.cw-band-blue{background:var(--blue);color:#fff}

/* SECTION LABELS */
.cw-tag{
  font-size:0.68rem;
  font-weight:700;
  letter-spacing:0.16em;
  text-transform:uppercase;
  color:var(--rust);
  display:block;
  margin-bottom:0.6rem;
}
.cw-tag-light{color:var(--gold)}

.cw-headline{
  font-size:clamp(1.5rem,2.75vw,2.125rem);
  font-weight:800;
  letter-spacing:-0.025em;
  line-height:1.22;
  color:var(--ink);
  margin-bottom:0.875rem;
}
.cw-headline-light{color:#fff}

.cw-deck{
  font-size:1.0625rem;
  line-height:1.7;
  color:var(--ink-mid);
  max-width:62ch;
  margin-bottom:2.5rem;
}
.cw-deck-light{color:rgba(255,255,255,.8)}

/* PAGE HEADER */
.cw-page-head{
  background:var(--nav-bg);
  padding-block:3rem;
  color:var(--nav-txt);
}
.cw-page-head h1{
  font-size:clamp(1.625rem,3.25vw,2.375rem);
  font-weight:800;
  line-height:1.2;
  letter-spacing:-0.03em;
  color:#fff;
  margin-bottom:0.875rem;
}
.cw-page-head-desc{
  font-size:1rem;
  color:#9ab0c0;
  max-width:58ch;
  line-height:1.65;
}
.cw-breadcrumb{
  font-size:0.8rem;
  color:#5a6e80;
  margin-bottom:1rem;
  display:flex;
  align-items:center;
  gap:0.4rem;
  flex-wrap:wrap;
}
.cw-breadcrumb a{color:var(--gold);text-decoration:none}
.cw-breadcrumb a:hover{text-decoration:underline}

/* GRIDS */
.cw-g2{display:grid;grid-template-columns:repeat(2,1fr);gap:2rem}
.cw-g3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.75rem}
.cw-g4{display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem}
.cw-split{display:grid;grid-template-columns:5fr 4fr;gap:4rem;align-items:center}
.cw-split-r{display:grid;grid-template-columns:4fr 5fr;gap:4rem;align-items:center}

/* SHELF CARDS */
.cw-shelf{
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:var(--r-m);
  padding:1.75rem;
  box-shadow:var(--sh-s);
}
.cw-shelf-accent{border-top:3px solid var(--blue)}
.cw-shelf-warm{border-top:3px solid var(--rust)}
.cw-shelf-gold{border-top:3px solid var(--gold)}

.cw-shelf-icon{
  width:44px;height:44px;
  margin-bottom:1rem;
  background:var(--blue-lt);
  border-radius:var(--r-m);
  display:flex;align-items:center;justify-content:center;
}
.cw-shelf-icon svg{width:22px;height:22px;stroke:var(--blue);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}

.cw-shelf-title{font-size:1.0625rem;font-weight:700;color:var(--ink);margin-bottom:0.5rem}
.cw-shelf-body{font-size:0.9375rem;color:var(--ink-mid);line-height:1.65}

/* STEPS */
.cw-steps{
  counter-reset:st;
  list-style:none;
  display:flex;
  flex-direction:column;
  gap:1.75rem;
}
.cw-step{
  display:grid;
  grid-template-columns:52px 1fr;
  gap:1.25rem;
  counter-increment:st;
}
.cw-step::before{
  content:counter(st);
  width:52px;height:52px;
  display:flex;align-items:center;justify-content:center;
  background:var(--blue);
  color:#fff;
  font-weight:800;font-size:1.125rem;
  border-radius:var(--r-m);
  flex-shrink:0;
}
.cw-step-title{font-size:1.0625rem;font-weight:700;color:var(--ink);margin-bottom:0.35rem}
.cw-step-body{font-size:0.9375rem;color:var(--ink-mid);line-height:1.65}

/* FEATURE ITEMS */
.cw-features{display:flex;flex-direction:column;gap:2.25rem}
.cw-feature{display:grid;grid-template-columns:52px 1fr;gap:1.375rem;align-items:start}
.cw-feature-icon{
  width:52px;height:52px;
  background:var(--blue-lt);
  border-radius:var(--r-m);
  display:flex;align-items:center;justify-content:center;
  flex-shrink:0;
}
.cw-feature-icon svg{width:26px;height:26px;stroke:var(--blue);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.cw-feature-title{font-size:1.0625rem;font-weight:700;color:var(--ink);margin-bottom:0.35rem}
.cw-feature-body{font-size:0.9375rem;color:var(--ink-mid);line-height:1.65}

/* FAQ (details/summary) */
.cw-faq{
  border:1px solid var(--border);
  border-radius:var(--r-m);
  overflow:hidden;
}
.cw-faq details{
  border-bottom:1px solid var(--border);
}
.cw-faq details:last-child{border-bottom:none}
.cw-faq summary{
  padding:1.125rem 1.5rem;
  font-size:0.9375rem;
  font-weight:600;
  color:var(--ink);
  cursor:pointer;
  list-style:none;
  display:flex;
  justify-content:space-between;
  align-items:center;
  background:var(--surface);
  transition:background .15s;
  user-select:none;
}
.cw-faq summary::-webkit-details-marker{display:none}
.cw-faq summary::after{
  content:'+';
  font-size:1.25rem;
  font-weight:400;
  color:var(--ink-soft);
  flex-shrink:0;
  line-height:1;
  transition:transform .2s;
}
.cw-faq details[open] summary{background:var(--blue-lt);color:var(--blue)}
.cw-faq details[open] summary::after{content:'\2212';color:var(--blue)}
.cw-faq summary:hover{background:var(--surface-alt)}
.cw-faq summary:focus-visible{outline:2px solid var(--blue);outline-offset:-2px}
.cw-faq-answer{
  padding:0.75rem 1.5rem 1.25rem;
  font-size:0.9375rem;
  color:var(--ink-mid);
  line-height:1.72;
  background:var(--blue-lt);
}

/* NOTE PANEL */
.cw-note{
  background:var(--rust-lt);
  border-left:4px solid var(--rust);
  border-radius:0 var(--r-m) var(--r-m) 0;
  padding:1.25rem 1.625rem;
}
.cw-note-label{
  font-size:0.72rem;
  font-weight:700;
  letter-spacing:0.1em;
  text-transform:uppercase;
  color:var(--rust);
  margin-bottom:0.4rem;
}
.cw-note-body{font-size:0.9375rem;color:var(--ink-mid);line-height:1.65}

/* INFO BLOCK */
.cw-info{
  background:var(--blue-lt);
  border:1px solid rgba(44,106,155,.18);
  border-radius:var(--r-m);
  padding:1.5rem;
}
.cw-info-title{font-size:0.875rem;font-weight:700;color:var(--blue);margin-bottom:0.5rem}
.cw-info-body{font-size:0.9rem;color:var(--ink-mid);line-height:1.65}

/* FORM */
.cw-form{
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:var(--r-l);
  padding:2rem;
  box-shadow:var(--sh-m);
}
.cw-field{margin-bottom:1.25rem}
.cw-field label{
  display:block;
  font-size:0.875rem;
  font-weight:600;
  color:var(--ink);
  margin-bottom:0.4rem;
}
.cw-req{color:var(--rust)}
.cw-field input,
.cw-field select,
.cw-field textarea{
  width:100%;
  padding:0.625rem 0.9rem;
  font-family:var(--ff);
  font-size:0.9375rem;
  color:var(--ink);
  background:var(--bg);
  border:1px solid var(--border);
  border-radius:var(--r-m);
  transition:border-color .15s,box-shadow .15s;
  appearance:none;
}
.cw-field input:focus,
.cw-field select:focus,
.cw-field textarea:focus{
  outline:none;
  border-color:var(--blue);
  box-shadow:0 0 0 3px rgba(44,106,155,.14);
}
.cw-field textarea{min-height:130px;resize:vertical}
.cw-field-hint{font-size:0.8rem;color:var(--ink-soft);margin-top:0.3rem}

/* CONTACT PANEL */
.cw-contact-list{display:flex;flex-direction:column;gap:1.625rem}
.cw-contact-entry{display:flex;gap:1rem;align-items:flex-start}
.cw-contact-dot{
  width:38px;height:38px;
  background:var(--blue-lt);
  border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  flex-shrink:0;
}
.cw-contact-dot svg{width:18px;height:18px;stroke:var(--blue);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.cw-contact-label{font-size:0.72rem;font-weight:700;letter-spacing:0.08em;text-transform:uppercase;color:var(--ink-soft);margin-bottom:0.2rem}
.cw-contact-value{font-size:0.9375rem;color:var(--ink);line-height:1.55}

/* CTA BAND */
.cw-cta-band{padding-block:3.75rem;text-align:center}
.cw-cta-band h2{
  font-size:clamp(1.375rem,2.5vw,1.875rem);
  font-weight:800;
  letter-spacing:-0.025em;
  margin-bottom:0.75rem;
  color:inherit;
}
.cw-cta-band p{
  font-size:1rem;
  opacity:.85;
  margin-bottom:1.75rem;
  max-width:54ch;
  margin-inline:auto;
}
.cw-cta-band-rust{background:var(--rust);color:#fff}
.cw-cta-band-blue{background:var(--blue);color:#fff}

/* QUICK LINKS GRID */
.cw-qlg{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}
.cw-ql{
  display:block;
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:var(--r-m);
  padding:1.125rem;
  text-decoration:none;
  transition:box-shadow .15s,border-color .15s;
}
.cw-ql:hover{border-color:var(--blue);box-shadow:var(--sh-m);text-decoration:none}
.cw-ql-title{font-size:0.9375rem;font-weight:700;color:var(--blue);margin-bottom:0.2rem}
.cw-ql-desc{font-size:0.8125rem;color:var(--ink-soft);line-height:1.45}

/* LEGAL LAYOUT */
.cw-legal{
  display:grid;
  grid-template-columns:210px 1fr;
  gap:3rem;
  align-items:start;
}
.cw-legal-sidebar{
  position:sticky;
  top:calc(var(--nh) + 1.5rem);
  background:var(--surface);
  border:1px solid var(--border);
  border-radius:var(--r-m);
  padding:1.25rem;
}
.cw-legal-sidebar-head{
  font-size:0.68rem;
  font-weight:700;
  letter-spacing:0.14em;
  text-transform:uppercase;
  color:var(--ink-soft);
  margin-bottom:0.75rem;
}
.cw-legal-sidebar ul{list-style:none;display:flex;flex-direction:column;gap:0.2rem}
.cw-legal-sidebar ul a{
  display:block;
  font-size:0.875rem;
  color:var(--ink-mid);
  padding:0.3rem 0.5rem;
  border-radius:var(--r-s);
  text-decoration:none;
  transition:background .15s,color .15s;
}
.cw-legal-sidebar ul a:hover{background:var(--blue-lt);color:var(--blue)}

.cw-legal-body{min-width:0}
.cw-legal-body section{margin-bottom:2.5rem;padding-bottom:2.5rem;border-bottom:1px solid var(--border-lt)}
.cw-legal-body section:last-child{border-bottom:none}
.cw-legal-body h2{font-size:1.25rem;font-weight:700;color:var(--ink);margin-bottom:0.875rem}
.cw-legal-body h3{font-size:1rem;font-weight:700;color:var(--ink);margin:1.25rem 0 0.5rem}
.cw-legal-body p{font-size:0.9375rem;color:var(--ink-mid);line-height:1.75;margin-bottom:0.875rem}
.cw-legal-body p:last-child{margin-bottom:0}
.cw-legal-body ul{padding-left:1.5rem;margin:0.5rem 0 0.875rem}
.cw-legal-body ul li{font-size:0.9375rem;color:var(--ink-mid);line-height:1.75;margin-bottom:0.35rem}

/* FOOTER */
.cw-footer{background:#111d28;color:#7a8d9d;margin-top:auto}
.cw-footer-main{
  padding-block:3rem;
  display:grid;
  grid-template-columns:250px 1fr 1fr 1fr;
  gap:2.5rem;
}
.cw-footer-brand-name{
  font-size:1.2rem;
  font-weight:800;
  color:var(--nav-txt);
  margin-bottom:0.625rem;
  letter-spacing:-0.02em;
}
.cw-footer-brand-desc{font-size:0.84rem;line-height:1.6;color:#6a7d8d}
.cw-footer-col-head{
  font-size:0.68rem;
  font-weight:700;
  letter-spacing:0.13em;
  text-transform:uppercase;
  color:#5a6d7d;
  margin-bottom:0.875rem;
}
.cw-footer-links{list-style:none;display:flex;flex-direction:column;gap:0.45rem}
.cw-footer-links a{font-size:0.875rem;color:#7a8d9d;text-decoration:none;transition:color .15s}
.cw-footer-links a:hover{color:var(--gold)}
.cw-footer-bar{
  border-top:1px solid #1c2d3d;
  padding-block:1.25rem;
  display:flex;
  align-items:center;
  justify-content:space-between;
  font-size:0.8rem;
  color:#4a5d6d;
  flex-wrap:wrap;
  gap:0.75rem;
}
.cw-footer-bar-links{display:flex;gap:1.25rem;list-style:none}
.cw-footer-bar-links a{color:#4a5d6d;text-decoration:none;font-size:0.8rem}
.cw-footer-bar-links a:hover{color:var(--gold)}

/* PROSE */
.cw-prose p{font-size:0.9375rem;color:var(--ink-mid);line-height:1.75;margin-bottom:0.875rem}
.cw-prose p:last-child{margin-bottom:0}
.cw-prose h3{font-size:1.0625rem;font-weight:700;color:var(--ink);margin-bottom:0.75rem;margin-top:1.5rem}

/* EXPECT GRID */
.cw-expect-col h3{font-size:1.0625rem;font-weight:700;color:var(--ink);margin-bottom:0.75rem}
.cw-expect-col p{font-size:0.9375rem;color:var(--ink-mid);line-height:1.75;margin-bottom:0.875rem}
.cw-expect-col p:last-child{margin-bottom:0}

/* SECTION MINOR HEADLINE */
.cw-minor-head{font-size:1.25rem;font-weight:700;color:var(--ink);margin-bottom:1.5rem}

/* DESCRIPTION LIST */
.cw-dl{display:flex;flex-direction:column;gap:0.875rem}
.cw-dl dt{font-size:0.75rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;color:var(--ink-soft);margin-bottom:0.15rem}
.cw-dl dd{font-size:0.9375rem;color:var(--ink-mid);line-height:1.6}

/* DIVIDER */
.cw-divider{border:none;border-top:1px solid var(--border-lt);margin-block:2.5rem}

/* RESPONSIVE 960px */
@media(max-width:960px){
  .cw-hero-grid{grid-template-columns:1fr}
  .cw-hero-graphic{display:none}
  .cw-g3{grid-template-columns:repeat(2,1fr)}
  .cw-g4{grid-template-columns:repeat(2,1fr)}
  .cw-split,.cw-split-r{grid-template-columns:1fr;gap:2rem}
  .cw-footer-main{grid-template-columns:1fr 1fr}
  .cw-qlg{grid-template-columns:repeat(2,1fr)}
  .cw-legal{grid-template-columns:1fr}
  .cw-legal-sidebar{position:static}
}

/* RESPONSIVE 640px */
@media(max-width:640px){
  .cw-nav-inner{padding-block:0.625rem}
  .cw-nav-links a{padding:0.35rem 0.625rem;font-size:0.8125rem}
  .cw-g2{grid-template-columns:1fr}
  .cw-g3{grid-template-columns:1fr}
  .cw-g4{grid-template-columns:1fr}
  .cw-qlg{grid-template-columns:repeat(2,1fr)}
  .cw-footer-main{grid-template-columns:1fr}
  .cw-footer-bar{flex-direction:column;align-items:flex-start}
  .cw-band{padding-block:2.5rem}
  .cw-hero{padding-block:2.5rem 3rem}
  .cw-form{padding:1.25rem}
  .cw-step{grid-template-columns:42px 1fr;gap:1rem}
  .cw-step::before{width:42px;height:42px;font-size:1rem}
  .cw-feature{grid-template-columns:44px 1fr;gap:1rem}
  .cw-feature-icon{width:44px;height:44px}
  .cw-feature-icon svg{width:22px;height:22px}
  .cw-hero-actions{flex-direction:column;align-items:flex-start}
}