:root{
  --navy:#06366B;
  --navy-dark:#03264D;
  --blue-soft:#EAF2F8;
  --green:#33A853;
  --green-dark:#258640;
  --green-soft:#EAF7EE;
  --text:#18324A;
  --muted:#637585;
  --line:#DCE6EE;
  --white:#FFFFFF;
  --page:#F7FAFC;
  --shadow:0 16px 40px rgba(3,38,77,.10);
  --shadow-soft:0 8px 24px rgba(3,38,77,.08);
  --radius:22px;
  --radius-sm:14px;
  --container:1180px;
}

*{
  box-sizing:border-box;
}

html{
  scroll-behavior:smooth;
}

body{
  margin:0;
  font-family:"Inter",system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  color:var(--text);
  background:var(--white);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}

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

a{
  color:inherit;
}

button,
a{
  -webkit-tap-highlight-color:transparent;
}

.container{
  width:min(calc(100% - 40px),var(--container));
  margin-inline:auto;
}

.eyebrow{
  display:inline-block;
  margin-bottom:12px;
  font-size:.82rem;
  font-weight:800;
  letter-spacing:.09em;
  text-transform:uppercase;
  color:var(--green-dark);
}

.eyebrow.light{
  color:#BEEBCA;
}

.primary-btn,
.secondary-btn,
.card-button,
.nav-help-button,
.outline-light-btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:10px;
  border-radius:12px;
  font-weight:800;
  text-decoration:none;
  transition:
    transform .18s ease,
    box-shadow .18s ease,
    background .18s ease,
    border-color .18s ease;
}

.primary-btn{
  padding:14px 20px;
  background:var(--green);
  color:#fff;
  border:2px solid var(--green);
  box-shadow:0 8px 18px rgba(51,168,83,.20);
}

.primary-btn:hover{
  background:var(--green-dark);
  border-color:var(--green-dark);
  transform:translateY(-1px);
}

.secondary-btn{
  padding:14px 20px;
  background:#fff;
  color:var(--navy);
  border:2px solid var(--navy);
}

.secondary-btn:hover{
  background:var(--blue-soft);
  transform:translateY(-1px);
}

.large-btn{
  min-height:56px;
  padding:16px 24px;
}

.site-header{
  position:sticky;
  top:0;
  z-index:100;
  background:rgba(255,255,255,.96);
  backdrop-filter:blur(12px);
  border-bottom:1px solid rgba(220,230,238,.9);
}

.nav-wrap{
  min-height:78px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:28px;
}

.brand-link{
  display:flex;
  align-items:center;
  flex-shrink:0;
}

.site-logo{
  width:205px;
  max-height:58px;
  object-fit:contain;
  object-position:left center;
}

.main-nav{
  display:flex;
  align-items:center;
  gap:26px;
}

.main-nav > a:not(.nav-help-button){
  font-size:.94rem;
  font-weight:700;
  color:var(--text);
  text-decoration:none;
  white-space:nowrap;
}

.main-nav > a:not(.nav-help-button):hover{
  color:var(--green-dark);
}

.nav-help-button{
  padding:11px 17px;
  color:#fff;
  background:var(--navy);
  border:2px solid var(--navy);
}

.nav-help-button:hover{
  background:var(--navy-dark);
  transform:translateY(-1px);
}

.mobile-menu-button{
  display:none;
  border:0;
  border-radius:10px;
  background:var(--navy);
  color:#fff;
  font-size:1.4rem;
  width:46px;
  height:46px;
  cursor:pointer;
}

.home-hero{
  position:relative;
  overflow:hidden;
  padding:78px 0 84px;
  background:
    radial-gradient(circle at 85% 18%,rgba(51,168,83,.12),transparent 28%),
    linear-gradient(135deg,#F8FBFD 0%,#EEF5FA 100%);
}

.home-hero:after{
  content:"";
  position:absolute;
  width:430px;
  height:430px;
  right:-180px;
  bottom:-220px;
  border-radius:50%;
  background:rgba(6,54,107,.055);
}

.home-hero-grid{
  position:relative;
  z-index:1;
  display:grid;
  grid-template-columns:minmax(0,1.08fr) minmax(330px,.72fr);
  gap:62px;
  align-items:center;
}

.home-hero-copy h1{
  margin:0;
  color:var(--navy-dark);
  font-size:clamp(2.9rem,6vw,5.4rem);
  line-height:.98;
  letter-spacing:-.045em;
  max-width:790px;
}

.home-hero-copy h1 span{
  display:block;
  color:var(--green-dark);
}

.hero-lead{
  margin:26px 0 0;
  max-width:710px;
  color:var(--muted);
  font-size:clamp(1.05rem,1.7vw,1.25rem);
  line-height:1.75;
}

.hero-actions{
  display:flex;
  flex-wrap:wrap;
  gap:14px;
  margin-top:30px;
}

.trust-row{
  display:flex;
  flex-wrap:wrap;
  gap:12px 26px;
  margin-top:22px;
  color:#53697A;
  font-size:.9rem;
  font-weight:700;
}

.home-hero-card{
  padding:30px;
  border:1px solid #DDE8F0;
  border-radius:var(--radius);
  background:rgba(255,255,255,.95);
  box-shadow:var(--shadow);
}

.card-label{
  display:block;
  margin-bottom:7px;
  color:var(--green-dark);
  font-size:.8rem;
  font-weight:800;
  letter-spacing:.08em;
  text-transform:uppercase;
}

.home-hero-card h2{
  margin:0;
  color:var(--navy-dark);
  font-size:1.9rem;
  line-height:1.15;
}

.home-hero-card > p{
  margin:14px 0 22px;
  color:var(--muted);
}

.quick-links{
  display:grid;
  gap:11px;
}

.quick-links a{
  display:grid;
  grid-template-columns:43px 1fr auto;
  align-items:center;
  gap:13px;
  padding:14px;
  color:var(--text);
  text-decoration:none;
  border:1px solid var(--line);
  border-radius:14px;
  background:#fff;
  transition:.18s ease;
}

.quick-links a:hover{
  border-color:#BFD7C7;
  box-shadow:var(--shadow-soft);
  transform:translateY(-1px);
}

.quick-icon{
  width:43px;
  height:43px;
  border-radius:12px;
  display:flex;
  align-items:center;
  justify-content:center;
  color:#fff;
  background:var(--navy);
  font-weight:900;
}

.quick-links strong{
  display:block;
  color:var(--navy-dark);
  font-size:.95rem;
}

.quick-links small{
  display:block;
  margin-top:1px;
  color:var(--muted);
  font-size:.78rem;
}

.quick-arrow{
  color:var(--green-dark);
  font-size:1.25rem;
  font-weight:900;
}

.home-topics{
  padding:92px 0 100px;
}

.section-heading{
  max-width:760px;
  margin-bottom:38px;
}

.section-heading.centered{
  text-align:center;
  margin-left:auto;
  margin-right:auto;
}

.section-heading h2{
  margin:0;
  color:var(--navy-dark);
  font-size:clamp(2rem,4vw,3.2rem);
  line-height:1.08;
  letter-spacing:-.035em;
}

.section-heading p{
  margin:14px 0 0;
  color:var(--muted);
  font-size:1.05rem;
}

.topic-grid{
  display:grid;
  grid-template-columns:repeat(4,minmax(0,1fr));
  gap:20px;
}

.topic-card{
  display:flex;
  flex-direction:column;
  min-height:100%;
  padding:25px;
  border:1px solid var(--line);
  border-radius:var(--radius);
  background:#fff;
  box-shadow:var(--shadow-soft);
}

.topic-card:hover{
  box-shadow:var(--shadow);
}

.topic-icon{
  width:52px;
  height:52px;
  display:flex;
  align-items:center;
  justify-content:center;
  margin-bottom:20px;
  border-radius:14px;
  background:var(--green-soft);
  color:var(--green-dark);
  font-size:1.25rem;
  font-weight:900;
}

.topic-kicker{
  color:var(--green-dark);
  font-size:.75rem;
  font-weight:800;
  text-transform:uppercase;
  letter-spacing:.07em;
}

.topic-card h3{
  margin:6px 0 10px;
  color:var(--navy-dark);
  font-size:1.28rem;
  line-height:1.25;
}

.topic-card p{
  margin:0;
  color:var(--muted);
  font-size:.94rem;
}

.topic-examples{
  margin:16px 0 20px;
  color:#738391;
  font-size:.78rem;
  line-height:1.55;
}

.card-button{
  width:100%;
  margin-top:auto;
  padding:13px 15px;
  background:var(--navy);
  color:#fff;
  border:2px solid var(--navy);
  text-align:center;
}

.card-button:hover{
  background:var(--navy-dark);
  transform:translateY(-1px);
}

.home-process{
  padding:88px 0;
  background:var(--page);
  border-top:1px solid #EDF2F6;
  border-bottom:1px solid #EDF2F6;
}

.process-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:22px;
}

.process-step{
  position:relative;
  padding:29px;
  border:1px solid var(--line);
  border-radius:18px;
  background:#fff;
}

.step-number{
  display:inline-block;
  margin-bottom:18px;
  color:var(--green-dark);
  font-size:.79rem;
  font-weight:900;
  letter-spacing:.08em;
}

.process-step h3{
  margin:0 0 8px;
  color:var(--navy-dark);
  font-size:1.35rem;
}

.process-step p{
  margin:0;
  color:var(--muted);
}

.home-support{
  padding:96px 0;
}

.support-grid{
  display:grid;
  grid-template-columns:1fr .85fr;
  gap:70px;
  align-items:center;
}

.support-grid h2{
  margin:0;
  max-width:680px;
  color:var(--navy-dark);
  font-size:clamp(2.15rem,4.2vw,3.5rem);
  line-height:1.08;
  letter-spacing:-.035em;
}

.support-grid > div:first-child > p{
  max-width:670px;
  color:var(--muted);
  font-size:1.03rem;
}

.support-actions{
  display:flex;
  flex-wrap:wrap;
  gap:13px;
  margin-top:24px;
}

.support-card{
  padding:30px;
  border-radius:var(--radius);
  background:var(--navy);
  color:#fff;
  box-shadow:var(--shadow);
}

.support-title{
  color:#BEEBCA;
  font-size:.78rem;
  font-weight:900;
  letter-spacing:.08em;
  text-transform:uppercase;
}

.support-card h3{
  margin:8px 0 16px;
  color:#fff;
  font-size:1.55rem;
  line-height:1.25;
}

.support-card ul{
  margin:0 0 24px;
  padding:0;
  list-style:none;
}

.support-card li{
  position:relative;
  padding:10px 0 10px 28px;
  border-bottom:1px solid rgba(255,255,255,.10);
}

.support-card li:before{
  content:"✓";
  position:absolute;
  left:0;
  color:#79D78F;
  font-weight:900;
}

.support-card .card-button{
  background:#fff;
  color:var(--navy);
  border-color:#fff;
}

.support-card .card-button:hover{
  background:#EFF5F9;
}

.why-cooper{
  padding:88px 0 96px;
  background:#F8FBFD;
}

.benefit-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:22px;
}

.benefit-card{
  padding:27px;
  text-align:center;
  border:1px solid var(--line);
  border-radius:18px;
  background:#fff;
}

.benefit-check{
  width:50px;
  height:50px;
  display:flex;
  align-items:center;
  justify-content:center;
  margin:0 auto 17px;
  border-radius:50%;
  color:#fff;
  background:var(--green);
  font-weight:900;
}

.benefit-card h3{
  margin:0 0 9px;
  color:var(--navy-dark);
  font-size:1.25rem;
}

.benefit-card p{
  margin:0;
  color:var(--muted);
}

.home-final{
  padding:72px 0;
}

.final-box{
  display:grid;
  grid-template-columns:1fr auto;
  gap:36px;
  align-items:center;
  padding:42px;
  border-radius:26px;
  background:
    linear-gradient(135deg,var(--navy-dark),var(--navy));
  color:#fff;
  box-shadow:var(--shadow);
}

.final-box h2{
  margin:0;
  color:#fff;
  font-size:clamp(2rem,4vw,3rem);
  line-height:1.08;
}

.final-box p{
  margin:12px 0 0;
  color:#D8E4ED;
}

.final-actions{
  display:grid;
  min-width:250px;
  gap:11px;
}

.light-button{
  color:#fff;
}

.outline-light-btn{
  padding:13px 18px;
  color:#fff;
  background:transparent;
  border:2px solid rgba(255,255,255,.7);
}

.outline-light-btn:hover{
  background:rgba(255,255,255,.09);
}

.site-footer{
  padding:64px 0 32px;
  background:#041F3A;
  color:#CBD9E5;
}

.footer-grid{
  display:grid;
  grid-template-columns:1.7fr repeat(3,1fr);
  gap:36px;
  padding-bottom:38px;
}

.footer-logo{
  width:205px;
  padding:7px;
  border-radius:8px;
  background:#fff;
}

.footer-brand p{
  color:#C7D5E0;
}

.site-footer h4{
  margin:0 0 13px;
  color:#fff;
  font-size:.9rem;
  text-transform:uppercase;
  letter-spacing:.06em;
}

.site-footer a{
  display:block;
  width:max-content;
  max-width:100%;
  margin:7px 0;
  color:#CBD9E5;
  text-decoration:none;
}

.site-footer a:hover{
  color:#fff;
}

.footer-disclosure{
  padding-top:28px;
  border-top:1px solid rgba(255,255,255,.12);
  color:#9FB2C2;
  font-size:.79rem;
  line-height:1.65;
}

.footer-disclosure p{
  margin:7px 0;
}

.copyright{
  margin-top:15px !important;
}

.notice{
  position:fixed;
  z-index:200;
  left:50%;
  bottom:24px;
  transform:translate(-50%,24px);
  max-width:min(90vw,620px);
  padding:13px 18px;
  border-radius:12px;
  background:#102E4A;
  color:#fff;
  font-size:.9rem;
  font-weight:700;
  box-shadow:var(--shadow);
  opacity:0;
  pointer-events:none;
  transition:.2s ease;
}

.notice.show{
  opacity:1;
  transform:translate(-50%,0);
}

@media (max-width:1050px){
  .topic-grid{
    grid-template-columns:repeat(2,1fr);
  }

  .home-hero-grid{
    grid-template-columns:1fr .85fr;
    gap:38px;
  }

  .main-nav{
    gap:17px;
  }

  .main-nav > a:not(.nav-help-button){
    font-size:.85rem;
  }
}

@media (max-width:860px){
  .site-header{
    position:sticky;
  }

  .nav-wrap{
    min-height:70px;
  }

  .site-logo{
    width:185px;
  }

  .mobile-menu-button{
    display:block;
  }

  .main-nav{
    position:absolute;
    display:none;
    left:20px;
    right:20px;
    top:74px;
    padding:14px;
    border:1px solid var(--line);
    border-radius:15px;
    background:#fff;
    box-shadow:var(--shadow);
  }

  .main-nav.open{
    display:grid;
    gap:5px;
  }

  .main-nav > a{
    width:100%;
    padding:12px 13px;
    border-radius:9px;
  }

  .main-nav > a:not(.nav-help-button):hover{
    background:#F3F7FA;
  }

  .nav-help-button{
    margin-top:4px;
  }

  .home-hero{
    padding:58px 0 66px;
  }

  .home-hero-grid{
    grid-template-columns:1fr;
  }

  .home-hero-card{
    max-width:650px;
  }

  .support-grid{
    grid-template-columns:1fr;
    gap:38px;
  }

  .final-box{
    grid-template-columns:1fr;
  }

  .final-actions{
    min-width:0;
    width:100%;
  }

  .footer-grid{
    grid-template-columns:repeat(2,1fr);
  }
}

@media (max-width:650px){
  .container{
    width:min(calc(100% - 28px),var(--container));
  }

  .site-logo{
    width:170px;
  }

  .home-hero{
    padding:42px 0 52px;
  }

  .home-hero-copy h1{
    font-size:clamp(2.55rem,13vw,4rem);
  }

  .hero-lead{
    margin-top:18px;
    font-size:1rem;
  }

  .hero-actions{
    display:grid;
  }

  .hero-actions > a{
    width:100%;
  }

  .trust-row{
    display:grid;
    gap:7px;
  }

  .home-hero-card{
    padding:22px;
  }

  .quick-links a{
    grid-template-columns:40px 1fr auto;
    padding:12px;
  }

  .quick-icon{
    width:40px;
    height:40px;
  }

  .home-topics,
  .home-support,
  .why-cooper{
    padding:66px 0;
  }

  .home-process{
    padding:64px 0;
  }

  .topic-grid,
  .process-grid,
  .benefit-grid{
    grid-template-columns:1fr;
  }

  .topic-card{
    padding:22px;
  }

  .section-heading{
    margin-bottom:28px;
  }

  .support-actions{
    display:grid;
  }

  .support-actions > a{
    width:100%;
  }

  .support-card{
    padding:23px;
  }

  .home-final{
    padding:46px 0;
  }

  .final-box{
    padding:28px 22px;
    border-radius:20px;
  }

  .footer-grid{
    grid-template-columns:1fr;
    gap:24px;
  }

  .site-footer{
    padding-top:48px;
  }
}