:root {
  --fy-navy: #1b2d4f;
  --fy-navy-deep: #0f1e35;
  --fy-teal: #1e7a8a;
  --fy-teal-light: #dff0f3;
  --fy-teal-mid: #a8d8df;
  --fy-copper: #b85a22;
  --fy-copper-lt: #fdf0e8;
  --fy-bg: #f0f4f8;
  --fy-surface: #ffffff;
  --fy-text: #1e2c3d;
  --fy-subtle: #5f6e82;
  --fy-muted: #8a97a8;
  --fy-border: #cdd7e4;
  --fy-divider: #e4ebf3;

  --fy-radius: 6px;
  --fy-radius-lg: 12px;
  --fy-shadow-sm: 0 1px 4px rgba(0,0,0,.07);
  --fy-shadow: 0 4px 18px rgba(0,0,0,.10);
  --fy-shadow-lg: 0 8px 36px rgba(0,0,0,.13);

  --fy-font-body: 'Segoe UI', system-ui, -apple-system, BlinkMacSystemFont, sans-serif;
  --fy-font-head: Georgia, 'Times New Roman', Times, serif;
  --fy-font-mono: 'Courier New', Courier, monospace;

  --fy-size-xs: .75rem;
  --fy-size-sm: .875rem;
  --fy-size-base: 1rem;
  --fy-size-md: 1.125rem;
  --fy-size-lg: 1.35rem;
  --fy-size-xl: 1.75rem;
  --fy-size-2xl: 2.25rem;
  --fy-size-3xl: 3rem;

  --fy-wrap: 1140px;
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--fy-font-body);
  font-size: var(--fy-size-base);
  line-height: 1.72;
  color: var(--fy-text);
  background: var(--fy-bg);
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

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

a {
  color: var(--fy-teal);
  text-decoration: underline;
  text-underline-offset: 3px;
}

a:hover {
  color: var(--fy-navy);
}

a:focus-visible {
  outline: 2px solid var(--fy-teal);
  outline-offset: 3px;
  border-radius: 2px;
}

main {
  flex: 1;
}

.fy-wrap {
  max-width: var(--fy-wrap);
  margin-inline: auto;
  padding-inline: 1.5rem;
}

.fy-sr {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
}

.fy-topbar {
  background: var(--fy-navy-deep);
  color: var(--fy-teal-mid);
  font-size: var(--fy-size-xs);
  letter-spacing: .04em;
  padding: .4rem 0;
}

.fy-topbar__inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
}

.fy-topbar a {
  color: var(--fy-teal-mid);
  text-decoration: none;
}

.fy-topbar a:hover {
  color: #fff;
}

.fy-header {
  background: var(--fy-navy);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 12px rgba(0,0,0,.22);
}

.fy-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  padding-block: .85rem;
}

.fy-logo {
  display: flex;
  align-items: center;
  gap: .65rem;
  text-decoration: none;
  flex-shrink: 0;
}

.fy-logo__mark {
  width: 36px;
  height: 36px;
  flex-shrink: 0;
}

.fy-logo__name {
  font-family: var(--fy-font-head);
  font-size: 1.3rem;
  font-weight: 700;
  color: #fff;
  letter-spacing: -.01em;
}

.fy-logo__name em {
  font-style: normal;
  color: var(--fy-teal-mid);
}

.fy-nav {
  display: flex;
  gap: .2rem;
  list-style: none;
  flex-wrap: wrap;
}

.fy-nav a {
  display: block;
  padding: .42rem .9rem;
  font-size: var(--fy-size-sm);
  font-weight: 500;
  color: rgba(255,255,255,.8);
  text-decoration: none;
  border-radius: var(--fy-radius);
  transition: background .18s, color .18s;
  letter-spacing: .01em;
}

.fy-nav a:hover,
.fy-nav a[aria-current="page"] {
  background: rgba(255,255,255,.12);
  color: #fff;
}

.fy-nav a:focus-visible {
  outline: 2px solid var(--fy-teal-mid);
  outline-offset: 2px;
}

.fy-hero {
  background: linear-gradient(145deg, var(--fy-navy-deep) 0%, var(--fy-navy) 60%, #1e4060 100%);
  color: #fff;
  padding: 5.5rem 0 4.5rem;
  overflow: hidden;
}

.fy-hero__grid {
  display: grid;
  grid-template-columns: 55fr 45fr;
  gap: 3.5rem;
  align-items: center;
}

.fy-hero__tag {
  display: inline-block;
  background: rgba(30,122,138,.2);
  border: 1px solid rgba(168,216,223,.28);
  color: var(--fy-teal-mid);
  font-size: var(--fy-size-xs);
  letter-spacing: .12em;
  text-transform: uppercase;
  padding: .32rem .9rem;
  border-radius: 2rem;
  margin-bottom: 1.3rem;
}

.fy-hero h1 {
  font-family: var(--fy-font-head);
  font-size: clamp(1.85rem, 4vw, var(--fy-size-3xl));
  line-height: 1.18;
  margin-bottom: 1.25rem;
  color: #fff;
}

.fy-hero h1 em {
  font-style: normal;
  color: var(--fy-teal-mid);
}

.fy-hero__intro {
  font-size: var(--fy-size-md);
  color: rgba(255,255,255,.76);
  max-width: 52ch;
  margin-bottom: 2.25rem;
  line-height: 1.78;
}

.fy-hero__actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

.fy-hero__visual {
  display: flex;
  align-items: center;
  justify-content: center;
}

.fy-hero__visual svg {
  width: 100%;
  max-width: 460px;
  filter: drop-shadow(0 8px 32px rgba(30,122,138,.22));
}

.fy-btn {
  display: inline-flex;
  align-items: center;
  gap: .45rem;
  font-family: var(--fy-font-body);
  font-size: var(--fy-size-sm);
  font-weight: 600;
  letter-spacing: .025em;
  padding: .72rem 1.55rem;
  border-radius: var(--fy-radius);
  border: 2px solid transparent;
  cursor: pointer;
  text-decoration: none;
  transition: background .18s, color .18s, border-color .18s, box-shadow .18s, transform .12s;
  line-height: 1.3;
}

.fy-btn:focus-visible {
  outline: 2px solid var(--fy-teal);
  outline-offset: 3px;
}

.fy-btn:active {
  transform: translateY(1px);
}

.fy-btn--primary {
  background: var(--fy-copper);
  color: #fff;
  border-color: var(--fy-copper);
}

.fy-btn--primary:hover {
  background: #9e4c1c;
  border-color: #9e4c1c;
  color: #fff;
}

.fy-btn--outline {
  background: transparent;
  color: rgba(255,255,255,.88);
  border-color: rgba(255,255,255,.36);
}

.fy-btn--outline:hover {
  background: rgba(255,255,255,.1);
  color: #fff;
  border-color: rgba(255,255,255,.62);
}

.fy-btn--teal {
  background: var(--fy-teal);
  color: #fff;
  border-color: var(--fy-teal);
}

.fy-btn--teal:hover {
  background: #195f6c;
  border-color: #195f6c;
  color: #fff;
}

.fy-btn--ghost {
  background: transparent;
  color: var(--fy-teal);
  border-color: var(--fy-teal);
}

.fy-btn--ghost:hover {
  background: var(--fy-teal-light);
  color: var(--fy-navy);
}

.fy-section {
  padding: 4.5rem 0;
}

.fy-section--alt {
  background: var(--fy-surface);
}

.fy-section--teal {
  background: var(--fy-teal-light);
}

.fy-section--navy {
  background: var(--fy-navy);
  color: #fff;
}

.fy-section--deep {
  background: var(--fy-navy-deep);
  color: #fff;
}

.fy-section__eyebrow {
  font-size: var(--fy-size-xs);
  letter-spacing: .13em;
  text-transform: uppercase;
  color: var(--fy-teal);
  font-weight: 600;
  margin-bottom: .55rem;
}

.fy-section--navy .fy-section__eyebrow,
.fy-section--deep .fy-section__eyebrow {
  color: var(--fy-teal-mid);
}

.fy-section__heading {
  font-family: var(--fy-font-head);
  font-size: clamp(1.5rem, 3vw, var(--fy-size-2xl));
  line-height: 1.24;
  margin-bottom: 1rem;
  color: var(--fy-navy);
}

.fy-section--navy .fy-section__heading,
.fy-section--deep .fy-section__heading {
  color: #fff;
}

.fy-section__lede {
  font-size: var(--fy-size-md);
  color: var(--fy-subtle);
  max-width: 64ch;
  line-height: 1.78;
  margin-bottom: 2.75rem;
}

.fy-section--navy .fy-section__lede,
.fy-section--deep .fy-section__lede {
  color: rgba(255,255,255,.7);
}

.fy-tiles {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.fy-tile {
  background: var(--fy-surface);
  border: 1px solid var(--fy-border);
  border-radius: var(--fy-radius-lg);
  padding: 2rem 1.75rem;
  box-shadow: var(--fy-shadow-sm);
  transition: box-shadow .2s, transform .2s;
}

.fy-tile:hover {
  box-shadow: var(--fy-shadow);
  transform: translateY(-2px);
}

.fy-tile__icon {
  width: 50px;
  height: 50px;
  background: var(--fy-teal-light);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.2rem;
}

.fy-tile__icon svg {
  width: 26px;
  height: 26px;
}

.fy-tile h3 {
  font-family: var(--fy-font-head);
  font-size: var(--fy-size-lg);
  color: var(--fy-navy);
  margin-bottom: .65rem;
}

.fy-tile p {
  font-size: var(--fy-size-sm);
  color: var(--fy-subtle);
  line-height: 1.72;
}

.fy-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.fy-split--flip {
  direction: rtl;
}

.fy-split--flip > * {
  direction: ltr;
}

.fy-split__text h2 {
  font-family: var(--fy-font-head);
  font-size: clamp(1.4rem, 2.5vw, var(--fy-size-2xl));
  color: var(--fy-navy);
  line-height: 1.24;
  margin-bottom: 1rem;
}

.fy-split__text p {
  color: var(--fy-subtle);
  margin-bottom: 1rem;
  line-height: 1.78;
  font-size: var(--fy-size-sm);
}

.fy-split__text .fy-btn {
  margin-top: .5rem;
}

.fy-split__visual {
  display: flex;
  align-items: center;
  justify-content: center;
}

.fy-split__visual svg {
  width: 100%;
  max-width: 440px;
  border-radius: var(--fy-radius-lg);
}

.fy-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  counter-reset: fystep;
}

.fy-step {
  position: relative;
  padding: 2rem 1.75rem 1.75rem;
  background: var(--fy-surface);
  border-radius: var(--fy-radius-lg);
  border: 1px solid var(--fy-border);
  box-shadow: var(--fy-shadow-sm);
}

.fy-step__num {
  counter-increment: fystep;
  font-family: var(--fy-font-mono);
  font-size: 2rem;
  font-weight: 700;
  color: var(--fy-teal-light);
  line-height: 1;
  margin-bottom: .9rem;
  display: block;
  -webkit-text-stroke: 1.5px var(--fy-teal);
}

.fy-step h3 {
  font-family: var(--fy-font-head);
  font-size: var(--fy-size-lg);
  color: var(--fy-navy);
  margin-bottom: .6rem;
}

.fy-step p {
  font-size: var(--fy-size-sm);
  color: var(--fy-subtle);
  line-height: 1.72;
}

.fy-pagenav {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.fy-pagenav__item {
  display: block;
  background: var(--fy-surface);
  border: 1px solid var(--fy-border);
  border-radius: var(--fy-radius-lg);
  padding: 1.75rem;
  text-decoration: none;
  color: inherit;
  transition: border-color .2s, box-shadow .2s, transform .2s;
  box-shadow: var(--fy-shadow-sm);
}

.fy-pagenav__item:hover {
  border-color: var(--fy-teal);
  box-shadow: var(--fy-shadow);
  transform: translateY(-2px);
  color: inherit;
}

.fy-pagenav__eyebrow {
  font-size: var(--fy-size-xs);
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--fy-teal);
  font-weight: 600;
  margin-bottom: .4rem;
}

.fy-pagenav__title {
  font-family: var(--fy-font-head);
  font-size: var(--fy-size-lg);
  color: var(--fy-navy);
  margin-bottom: .5rem;
}

.fy-pagenav__desc {
  font-size: var(--fy-size-sm);
  color: var(--fy-subtle);
  line-height: 1.65;
}

.fy-page-banner {
  background: linear-gradient(135deg, var(--fy-navy-deep) 0%, var(--fy-navy) 100%);
  color: #fff;
  padding: 3.5rem 0 3rem;
}

.fy-page-banner__eyebrow {
  font-size: var(--fy-size-xs);
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--fy-teal-mid);
  font-weight: 600;
  margin-bottom: .6rem;
}

.fy-page-banner h1 {
  font-family: var(--fy-font-head);
  font-size: clamp(1.6rem, 3.5vw, var(--fy-size-2xl));
  line-height: 1.2;
  margin-bottom: 1rem;
  color: #fff;
}

.fy-page-banner__intro {
  font-size: var(--fy-size-md);
  color: rgba(255,255,255,.73);
  max-width: 68ch;
  line-height: 1.78;
}

.fy-caps-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
}

.fy-cap {
  background: var(--fy-surface);
  border: 1px solid var(--fy-border);
  border-radius: var(--fy-radius-lg);
  padding: 2rem;
  box-shadow: var(--fy-shadow-sm);
}

.fy-cap__header {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1rem;
}

.fy-cap__icon {
  width: 46px;
  height: 46px;
  background: var(--fy-navy);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.fy-cap__icon svg {
  width: 24px;
  height: 24px;
}

.fy-cap h3 {
  font-family: var(--fy-font-head);
  font-size: var(--fy-size-lg);
  color: var(--fy-navy);
}

.fy-cap p {
  font-size: var(--fy-size-sm);
  color: var(--fy-subtle);
  line-height: 1.78;
}

.fy-timeline {
  position: relative;
  padding-left: 3.25rem;
}

.fy-timeline::before {
  content: '';
  position: absolute;
  left: 1.05rem;
  top: .5rem;
  bottom: .5rem;
  width: 2px;
  background: linear-gradient(to bottom, var(--fy-teal), var(--fy-teal-light));
}

.fy-timeline__entry {
  position: relative;
  margin-bottom: 2.75rem;
}

.fy-timeline__entry:last-child {
  margin-bottom: 0;
}

.fy-timeline__dot {
  position: absolute;
  left: -3.25rem;
  top: .1rem;
  width: 2.1rem;
  height: 2.1rem;
  background: var(--fy-teal);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: var(--fy-size-xs);
  font-weight: 700;
  color: #fff;
  font-family: var(--fy-font-mono);
  box-shadow: 0 0 0 4px var(--fy-teal-light);
}

.fy-timeline__title {
  font-family: var(--fy-font-head);
  font-size: var(--fy-size-lg);
  color: var(--fy-navy);
  margin-bottom: .45rem;
}

.fy-timeline__body {
  font-size: var(--fy-size-sm);
  color: var(--fy-subtle);
  line-height: 1.78;
}

.fy-faq-list {
  display: grid;
  gap: 1.2rem;
}

.fy-faq-entry {
  background: var(--fy-surface);
  border: 1px solid var(--fy-border);
  border-radius: var(--fy-radius-lg);
  padding: 1.5rem 1.75rem;
}

.fy-faq-entry__q {
  font-family: var(--fy-font-head);
  font-size: var(--fy-size-md);
  color: var(--fy-navy);
  margin-bottom: .65rem;
}

.fy-faq-entry__a {
  font-size: var(--fy-size-sm);
  color: var(--fy-subtle);
  line-height: 1.78;
}

.fy-callout {
  background: var(--fy-teal-light);
  border-left: 4px solid var(--fy-teal);
  border-radius: 0 var(--fy-radius-lg) var(--fy-radius-lg) 0;
  padding: 1.6rem 2rem;
}

.fy-callout p {
  font-size: var(--fy-size-md);
  color: var(--fy-navy);
  line-height: 1.72;
}

.fy-callout strong {
  color: var(--fy-teal);
}

.fy-dual {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
}

.fy-dual__panel {
  padding: 2rem 2rem 1.75rem;
  border-radius: var(--fy-radius-lg);
}

.fy-dual__panel--light {
  background: var(--fy-surface);
  border: 1px solid var(--fy-border);
}

.fy-dual__panel--teal {
  background: var(--fy-teal-light);
  border: 1px solid var(--fy-teal-mid);
}

.fy-dual__panel h3 {
  font-family: var(--fy-font-head);
  font-size: var(--fy-size-lg);
  color: var(--fy-navy);
  margin-bottom: 1.1rem;
}

.fy-dual__panel ul {
  list-style: none;
  display: grid;
  gap: .65rem;
}

.fy-dual__panel ul li {
  display: flex;
  gap: .7rem;
  font-size: var(--fy-size-sm);
  color: var(--fy-subtle);
  align-items: flex-start;
  line-height: 1.6;
}

.fy-dual__panel ul li::before {
  content: '—';
  color: var(--fy-teal);
  flex-shrink: 0;
}

.fy-contact-layout {
  display: grid;
  grid-template-columns: 5fr 7fr;
  gap: 4rem;
  align-items: start;
}

.fy-contact-col h2 {
  font-family: var(--fy-font-head);
  font-size: clamp(1.4rem, 2.5vw, var(--fy-size-xl));
  color: var(--fy-navy);
  margin-bottom: 1rem;
  line-height: 1.28;
}

.fy-contact-col p {
  font-size: var(--fy-size-sm);
  color: var(--fy-subtle);
  margin-bottom: 1.2rem;
  line-height: 1.78;
}

.fy-contact-meta {
  list-style: none;
  display: grid;
  gap: .9rem;
  margin-top: 1.75rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--fy-divider);
}

.fy-contact-meta li {
  display: flex;
  gap: .75rem;
  align-items: flex-start;
  font-size: var(--fy-size-sm);
  color: var(--fy-subtle);
  line-height: 1.55;
}

.fy-contact-meta li strong {
  color: var(--fy-navy);
  min-width: 5rem;
  flex-shrink: 0;
}

.fy-contact-meta a {
  color: var(--fy-teal);
  text-decoration: none;
}

.fy-contact-meta a:hover {
  text-decoration: underline;
}

.fy-form-card {
  background: var(--fy-surface);
  border: 1px solid var(--fy-border);
  border-radius: var(--fy-radius-lg);
  padding: 2.5rem;
  box-shadow: var(--fy-shadow);
}

.fy-form-card h2 {
  font-family: var(--fy-font-head);
  font-size: var(--fy-size-xl);
  color: var(--fy-navy);
  margin-bottom: .5rem;
}

.fy-form-card > p {
  font-size: var(--fy-size-sm);
  color: var(--fy-subtle);
  margin-bottom: 2rem;
  line-height: 1.65;
}

.fy-field {
  margin-bottom: 1.35rem;
}

.fy-field label {
  display: block;
  font-size: var(--fy-size-sm);
  font-weight: 600;
  color: var(--fy-navy);
  margin-bottom: .4rem;
}

.fy-field label abbr {
  text-decoration: none;
  color: var(--fy-copper);
  margin-left: .15rem;
}

.fy-field input,
.fy-field select,
.fy-field textarea {
  width: 100%;
  font-family: var(--fy-font-body);
  font-size: var(--fy-size-sm);
  color: var(--fy-text);
  background: var(--fy-bg);
  border: 1px solid var(--fy-border);
  border-radius: var(--fy-radius);
  padding: .68rem .95rem;
  transition: border-color .18s, box-shadow .18s;
  -webkit-appearance: none;
  appearance: none;
}

.fy-field input:focus,
.fy-field select:focus,
.fy-field textarea:focus {
  outline: none;
  border-color: var(--fy-teal);
  box-shadow: 0 0 0 3px rgba(30,122,138,.14);
}

.fy-field textarea {
  resize: vertical;
  min-height: 130px;
}

.fy-field select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='7' viewBox='0 0 12 7'%3E%3Cpath fill='%235f6e82' d='M6 7L0 0h12z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right .95rem center;
  padding-right: 2.4rem;
}

.fy-field__hint {
  font-size: var(--fy-size-xs);
  color: var(--fy-muted);
  margin-top: .35rem;
}

.fy-form-actions {
  display: flex;
  gap: 1rem;
  align-items: center;
  margin-top: 1.75rem;
  padding-top: 1.35rem;
  border-top: 1px solid var(--fy-divider);
  flex-wrap: wrap;
}

.fy-form-note {
  font-size: var(--fy-size-xs);
  color: var(--fy-muted);
  flex: 1;
  min-width: 12rem;
}

.fy-next-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: 2rem;
}

.fy-next-step {
  padding: 1.75rem 1.5rem;
  background: var(--fy-surface);
  border: 1px solid var(--fy-border);
  border-radius: var(--fy-radius-lg);
  text-align: center;
}

.fy-next-step__num {
  width: 2.75rem;
  height: 2.75rem;
  background: var(--fy-teal-light);
  color: var(--fy-teal);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: var(--fy-size-base);
  margin: 0 auto .9rem;
  font-family: var(--fy-font-mono);
}

.fy-next-step h4 {
  font-family: var(--fy-font-head);
  font-size: var(--fy-size-base);
  color: var(--fy-navy);
  margin-bottom: .45rem;
}

.fy-next-step p {
  font-size: var(--fy-size-xs);
  color: var(--fy-subtle);
  line-height: 1.68;
}

.fy-cta-band {
  background: var(--fy-navy);
  padding: 3.75rem 0;
  text-align: center;
}

.fy-cta-band h2 {
  font-family: var(--fy-font-head);
  font-size: clamp(1.4rem, 3vw, var(--fy-size-2xl));
  color: #fff;
  margin-bottom: .75rem;
}

.fy-cta-band p {
  font-size: var(--fy-size-md);
  color: rgba(255,255,255,.68);
  margin-bottom: 2rem;
  max-width: 56ch;
  margin-inline: auto;
  line-height: 1.75;
}

.fy-cta-band__row {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
}

.fy-info-panel {
  background: var(--fy-surface);
  border: 1px solid var(--fy-border);
  border-radius: var(--fy-radius-lg);
  padding: 2rem 2rem 1.75rem;
  box-shadow: var(--fy-shadow-sm);
}

.fy-info-panel h3 {
  font-family: var(--fy-font-head);
  font-size: var(--fy-size-lg);
  color: var(--fy-navy);
  margin-bottom: .8rem;
}

.fy-info-panel p {
  font-size: var(--fy-size-sm);
  color: var(--fy-subtle);
  line-height: 1.78;
  margin-bottom: .75rem;
}

.fy-info-panel p:last-child {
  margin-bottom: 0;
}

.fy-detail-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
}

.fy-detail-card {
  background: var(--fy-surface);
  border: 1px solid var(--fy-border);
  border-radius: var(--fy-radius-lg);
  padding: 1.75rem;
}

.fy-detail-card h3 {
  font-family: var(--fy-font-head);
  font-size: var(--fy-size-lg);
  color: var(--fy-navy);
  margin-bottom: .75rem;
}

.fy-detail-card p {
  font-size: var(--fy-size-sm);
  color: var(--fy-subtle);
  line-height: 1.78;
}

.fy-glossary {
  display: grid;
  gap: 1rem;
}

.fy-glossary dl {
  display: grid;
  gap: 1rem;
}

.fy-glossary__entry {
  padding: 1.4rem 1.6rem;
  background: var(--fy-surface);
  border: 1px solid var(--fy-border);
  border-radius: var(--fy-radius);
  border-left: 3px solid var(--fy-teal);
}

.fy-glossary__entry dt {
  font-family: var(--fy-font-head);
  font-size: var(--fy-size-md);
  color: var(--fy-navy);
  margin-bottom: .4rem;
}

.fy-glossary__entry dd {
  font-size: var(--fy-size-sm);
  color: var(--fy-subtle);
  line-height: 1.78;
}

.fy-legal {
  max-width: 760px;
}

.fy-legal h2 {
  font-family: var(--fy-font-head);
  font-size: var(--fy-size-xl);
  color: var(--fy-navy);
  margin: 2.25rem 0 .8rem;
  line-height: 1.24;
}

.fy-legal h2:first-of-type {
  margin-top: 0;
}

.fy-legal h3 {
  font-family: var(--fy-font-head);
  font-size: var(--fy-size-lg);
  color: var(--fy-navy);
  margin: 1.6rem 0 .55rem;
}

.fy-legal p {
  font-size: var(--fy-size-sm);
  color: var(--fy-subtle);
  line-height: 1.82;
  margin-bottom: 1rem;
}

.fy-legal ul {
  margin: .5rem 0 1.2rem 1.5rem;
  display: grid;
  gap: .45rem;
}

.fy-legal ul li {
  font-size: var(--fy-size-sm);
  color: var(--fy-subtle);
  line-height: 1.75;
}

.fy-legal-footer {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin-top: 3.25rem;
  padding-top: 1.6rem;
  border-top: 1px solid var(--fy-border);
}

.fy-legal-footer a {
  font-size: var(--fy-size-sm);
  color: var(--fy-teal);
  text-decoration: none;
  font-weight: 500;
}

.fy-legal-footer a:hover {
  color: var(--fy-navy);
  text-decoration: underline;
}

.fy-footer {
  background: var(--fy-navy-deep);
  color: rgba(255,255,255,.68);
  padding: 4rem 0 2rem;
  margin-top: auto;
}

.fy-footer__grid {
  display: grid;
  grid-template-columns: 2.5fr 1fr 1fr 1.6fr;
  gap: 3rem;
  margin-bottom: 3rem;
}

.fy-footer__brand-title {
  font-family: var(--fy-font-head);
  font-size: 1.2rem;
  color: #fff;
  margin-bottom: .65rem;
}

.fy-footer__brand-text {
  font-size: var(--fy-size-xs);
  line-height: 1.85;
  max-width: 28ch;
}

.fy-footer__col-label {
  font-size: var(--fy-size-xs);
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--fy-teal-mid);
  font-weight: 600;
  margin-bottom: .95rem;
}

.fy-footer__linklist {
  list-style: none;
  display: grid;
  gap: .55rem;
}

.fy-footer__linklist a {
  font-size: var(--fy-size-sm);
  color: rgba(255,255,255,.62);
  text-decoration: none;
  transition: color .15s;
}

.fy-footer__linklist a:hover {
  color: #fff;
}

.fy-footer__contact-list {
  list-style: none;
  display: grid;
  gap: .7rem;
}

.fy-footer__contact-list li {
  font-size: var(--fy-size-xs);
  line-height: 1.65;
}

.fy-footer__contact-list a {
  color: rgba(255,255,255,.62);
  text-decoration: none;
}

.fy-footer__contact-list a:hover {
  color: #fff;
}

.fy-footer__base {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
  padding-top: 1.75rem;
  border-top: 1px solid rgba(255,255,255,.1);
  font-size: var(--fy-size-xs);
}

.fy-footer__docs {
  display: flex;
  gap: 1.5rem;
  flex-wrap: wrap;
}

.fy-footer__docs a {
  color: rgba(255,255,255,.48);
  text-decoration: none;
  font-size: var(--fy-size-xs);
  transition: color .15s;
}

.fy-footer__docs a:hover {
  color: rgba(255,255,255,.82);
}

.fy-mt-lg {
  margin-top: 3rem;
}

.fy-legal--wide {
  max-width: none;
}

@media (max-width: 1080px) {
  .fy-hero__grid {
    grid-template-columns: 1fr;
  }

  .fy-hero__visual {
    display: none;
  }

  .fy-footer__grid {
    grid-template-columns: 1fr 1fr;
  }

  .fy-contact-layout {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }
}

@media (max-width: 768px) {
  .fy-topbar {
    display: none;
  }

  .fy-header__inner {
    flex-direction: column;
    align-items: flex-start;
    gap: .65rem;
    padding-block: .65rem;
  }

  .fy-nav {
    width: 100%;
  }

  .fy-nav a {
    padding: .32rem .65rem;
    font-size: var(--fy-size-xs);
  }

  .fy-hero {
    padding: 3rem 0;
  }

  .fy-section {
    padding: 3rem 0;
  }

  .fy-tiles {
    grid-template-columns: 1fr;
  }

  .fy-split {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .fy-split--flip {
    direction: ltr;
  }

  .fy-split__visual {
    display: none;
  }

  .fy-steps {
    grid-template-columns: 1fr;
  }

  .fy-pagenav {
    grid-template-columns: 1fr;
  }

  .fy-caps-grid {
    grid-template-columns: 1fr;
  }

  .fy-dual {
    grid-template-columns: 1fr;
  }

  .fy-footer__grid {
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
  }

  .fy-footer__base {
    flex-direction: column;
    align-items: flex-start;
  }

  .fy-next-steps {
    grid-template-columns: 1fr;
  }

  .fy-detail-grid {
    grid-template-columns: 1fr;
  }

  .fy-form-card {
    padding: 1.5rem;
  }
}

@media (max-width: 480px) {
  .fy-footer__grid {
    grid-template-columns: 1fr;
  }

  .fy-hero__actions {
    flex-direction: column;
    align-items: flex-start;
  }

  .fy-cta-band__row {
    flex-direction: column;
    align-items: center;
  }
}