:root {
  --umb-navy: #1B3A5C;
  --umb-navy-deep: #0E2237;
  --umb-slate: #3A6B9A;
  --umb-sky: #6898C8;
  --umb-amber: #C97B28;
  --umb-amber-light: #E4A24B;
  --umb-cream: #F5F1EB;
  --umb-cream-mid: #EDE9E0;
  --umb-white: #FFFFFF;
  --umb-text: #181828;
  --umb-text-body: #373748;
  --umb-text-muted: #6A6A7E;
  --umb-border: #D6D1C8;
  --umb-border-light: #EAE6DE;
  --umb-surface: #FDFCF9;

  --umb-radius-sm: 4px;
  --umb-radius: 8px;
  --umb-radius-lg: 16px;

  --umb-gap-xs: 0.5rem;
  --umb-gap-sm: 1rem;
  --umb-gap-md: 1.75rem;
  --umb-gap-lg: 3rem;
  --umb-gap-xl: 5rem;

  --umb-font-body: 'Segoe UI', system-ui, -apple-system, BlinkMacSystemFont, sans-serif;
  --umb-font-heading: Georgia, 'Times New Roman', Times, serif;

  --umb-max-width: 1160px;
  --umb-nav-height: 68px;
}

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

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

body {
  font-family: var(--umb-font-body);
  color: var(--umb-text-body);
  background-color: var(--umb-surface);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

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

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

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

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

ul, ol {
  list-style: none;
}

.umb-container {
  width: 100%;
  max-width: var(--umb-max-width);
  margin-inline: auto;
  padding-inline: 2rem;
}


.umb-nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background-color: var(--umb-navy-deep);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  height: var(--umb-nav-height);
}

.umb-nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
}

.umb-nav__brand {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  text-decoration: none;
}

.umb-nav__brand-name {
  font-family: var(--umb-font-heading);
  font-size: 1.25rem;
  font-weight: normal;
  color: var(--umb-white);
  letter-spacing: 0.01em;
}

.umb-nav__brand-mark {
  width: 30px;
  height: 30px;
  flex-shrink: 0;
}

.umb-nav__links {
  display: flex;
  align-items: center;
  gap: 0.25rem;
}

.umb-nav__link {
  display: inline-block;
  padding: 0.45rem 0.9rem;
  font-size: 0.875rem;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.75);
  text-decoration: none;
  border-radius: var(--umb-radius-sm);
  letter-spacing: 0.02em;
  transition: color 0.18s, background-color 0.18s;
}

.umb-nav__link:hover {
  color: var(--umb-white);
  background-color: rgba(255, 255, 255, 0.08);
}

.umb-nav__link--active,
.umb-nav__link:focus-visible {
  color: var(--umb-amber-light);
  background-color: rgba(201, 123, 40, 0.12);
  outline: none;
}

.umb-nav__link:focus-visible {
  outline: 2px solid var(--umb-amber);
  outline-offset: 2px;
}

.umb-nav__cta {
  display: inline-block;
  padding: 0.5rem 1.1rem;
  background-color: var(--umb-amber);
  color: var(--umb-white);
  text-decoration: none;
  font-size: 0.875rem;
  font-weight: 600;
  border-radius: var(--umb-radius-sm);
  letter-spacing: 0.02em;
  transition: background-color 0.18s;
}

.umb-nav__cta:hover {
  background-color: var(--umb-amber-light);
  color: var(--umb-white);
}

.umb-section-header-block {
  margin-bottom: 2.5rem;
}


.umb-hero {
  background-color: var(--umb-navy);
  color: var(--umb-white);
  padding-block: var(--umb-gap-xl);
  overflow: hidden;
}

.umb-hero__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}

.umb-hero__label {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--umb-amber-light);
  margin-bottom: 1.25rem;
}

.umb-hero__heading {
  font-family: var(--umb-font-heading);
  font-size: clamp(2rem, 4.5vw, 3rem);
  font-weight: normal;
  line-height: 1.2;
  color: var(--umb-white);
  margin-bottom: 1.25rem;
}

.umb-hero__intro {
  font-size: 1.05rem;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.78);
  max-width: 42ch;
  margin-bottom: 2.25rem;
}

.umb-hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
}

.umb-btn-primary {
  display: inline-block;
  padding: 0.75rem 1.6rem;
  background-color: var(--umb-amber);
  color: var(--umb-white);
  text-decoration: none;
  font-size: 0.9rem;
  font-weight: 600;
  border-radius: var(--umb-radius-sm);
  letter-spacing: 0.025em;
  transition: background-color 0.18s, transform 0.12s;
  border: none;
  cursor: pointer;
}

.umb-btn-primary:hover {
  background-color: var(--umb-amber-light);
  color: var(--umb-white);
  transform: translateY(-1px);
}

.umb-btn-primary:focus-visible {
  outline: 2px solid var(--umb-amber-light);
  outline-offset: 3px;
}

.umb-btn-outline {
  display: inline-block;
  padding: 0.75rem 1.6rem;
  border: 1.5px solid rgba(255, 255, 255, 0.4);
  color: var(--umb-white);
  text-decoration: none;
  font-size: 0.9rem;
  font-weight: 500;
  border-radius: var(--umb-radius-sm);
  letter-spacing: 0.025em;
  transition: border-color 0.18s, background-color 0.18s;
}

.umb-btn-outline:hover {
  border-color: rgba(255, 255, 255, 0.75);
  background-color: rgba(255, 255, 255, 0.06);
  color: var(--umb-white);
}

.umb-btn-outline:focus-visible {
  outline: 2px solid var(--umb-amber-light);
  outline-offset: 3px;
}

.umb-btn-navy {
  display: inline-block;
  padding: 0.75rem 1.6rem;
  background-color: var(--umb-navy);
  color: var(--umb-white);
  text-decoration: none;
  font-size: 0.9rem;
  font-weight: 600;
  border-radius: var(--umb-radius-sm);
  letter-spacing: 0.025em;
  transition: background-color 0.18s;
  border: none;
  cursor: pointer;
}

.umb-btn-navy:hover {
  background-color: var(--umb-slate);
  color: var(--umb-white);
}

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

.umb-hero__image-frame {
  border-radius: var(--umb-radius-lg);
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.4);
  aspect-ratio: 16 / 10;
}

.umb-hero__image-frame img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}


.umb-intro-band {
  background-color: var(--umb-cream);
  border-bottom: 1px solid var(--umb-border);
  padding-block: var(--umb-gap-lg);
}

.umb-intro-band__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.umb-intro-tile {
  padding: 1.5rem;
  background-color: var(--umb-white);
  border: 1px solid var(--umb-border-light);
  border-radius: var(--umb-radius);
}

.umb-intro-tile__icon {
  width: 40px;
  height: 40px;
  margin-bottom: 0.9rem;
  color: var(--umb-slate);
}

.umb-intro-tile__heading {
  font-family: var(--umb-font-heading);
  font-size: 1.05rem;
  font-weight: normal;
  color: var(--umb-navy);
  margin-bottom: 0.5rem;
}

.umb-intro-tile__text {
  font-size: 0.9rem;
  color: var(--umb-text-muted);
  line-height: 1.6;
}


.umb-section {
  padding-block: var(--umb-gap-xl);
}

.umb-section--cream {
  background-color: var(--umb-cream);
}

.umb-section--navy {
  background-color: var(--umb-navy);
  color: var(--umb-white);
}

.umb-section--border-top {
  border-top: 1px solid var(--umb-border);
}

.umb-section-label {
  display: block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--umb-amber);
  margin-bottom: 0.75rem;
}

.umb-section-label--light {
  color: var(--umb-amber-light);
}

.umb-section-heading {
  font-family: var(--umb-font-heading);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: normal;
  line-height: 1.25;
  color: var(--umb-navy);
  margin-bottom: 1rem;
}

.umb-section-heading--light {
  color: var(--umb-white);
}

.umb-section-subheading {
  font-size: 1.05rem;
  color: var(--umb-text-muted);
  max-width: 52ch;
  line-height: 1.7;
}

.umb-section-subheading--light {
  color: rgba(255, 255, 255, 0.72);
}


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

.umb-about-split__text-col h2 {
  font-family: var(--umb-font-heading);
  font-size: clamp(1.5rem, 2.8vw, 2rem);
  font-weight: normal;
  color: var(--umb-navy);
  margin-bottom: 1.25rem;
  line-height: 1.3;
}

.umb-about-split__text-col p {
  color: var(--umb-text-body);
  line-height: 1.75;
  margin-bottom: 1rem;
}

.umb-about-split__text-col p:last-of-type {
  margin-bottom: 1.75rem;
}

.umb-about-split__image {
  border-radius: var(--umb-radius-lg);
  overflow: hidden;
  box-shadow: 0 12px 40px rgba(0, 0, 0, 0.12);
  aspect-ratio: 4 / 3;
}

.umb-about-split__image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}


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

.umb-index-card {
  display: block;
  padding: 1.75rem 1.5rem;
  background-color: var(--umb-white);
  border: 1px solid var(--umb-border);
  border-radius: var(--umb-radius);
  text-decoration: none;
  transition: border-color 0.18s, box-shadow 0.18s, transform 0.15s;
}

.umb-index-card:hover {
  border-color: var(--umb-slate);
  box-shadow: 0 4px 18px rgba(58, 107, 154, 0.12);
  transform: translateY(-2px);
  color: var(--umb-text-body);
}

.umb-index-card:focus-visible {
  outline: 2px solid var(--umb-amber);
  outline-offset: 3px;
}

.umb-index-card__label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--umb-amber);
  margin-bottom: 0.6rem;
}

.umb-index-card__title {
  font-family: var(--umb-font-heading);
  font-size: 1.15rem;
  font-weight: normal;
  color: var(--umb-navy);
  margin-bottom: 0.6rem;
}

.umb-index-card__desc {
  font-size: 0.875rem;
  color: var(--umb-text-muted);
  line-height: 1.6;
}

.umb-index-card__arrow {
  display: inline-block;
  margin-top: 1rem;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--umb-slate);
}


.umb-page-banner {
  background-color: var(--umb-navy-deep);
  color: var(--umb-white);
  padding-block: 3.5rem;
}

.umb-page-banner__label {
  display: block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--umb-amber-light);
  margin-bottom: 0.6rem;
}

.umb-page-banner__heading {
  font-family: var(--umb-font-heading);
  font-size: clamp(1.8rem, 4vw, 2.6rem);
  font-weight: normal;
  color: var(--umb-white);
  margin-bottom: 0.8rem;
  max-width: 22ch;
}

.umb-page-banner__desc {
  font-size: 1rem;
  color: rgba(255, 255, 255, 0.72);
  max-width: 50ch;
  line-height: 1.7;
}


.umb-editorial {
  display: grid;
  grid-template-columns: 3fr 2fr;
  gap: 4rem;
  align-items: start;
}

.umb-editorial--reversed {
  grid-template-columns: 2fr 3fr;
}

.umb-editorial__body h2 {
  font-family: var(--umb-font-heading);
  font-size: 1.65rem;
  font-weight: normal;
  color: var(--umb-navy);
  margin-bottom: 1rem;
}

.umb-editorial__body p {
  color: var(--umb-text-body);
  line-height: 1.75;
  margin-bottom: 1rem;
}

.umb-editorial__body p:last-child {
  margin-bottom: 0;
}

.umb-editorial__aside {
  background-color: var(--umb-cream);
  border-left: 3px solid var(--umb-slate);
  border-radius: 0 var(--umb-radius) var(--umb-radius) 0;
  padding: 1.5rem;
}

.umb-editorial__aside h3 {
  font-family: var(--umb-font-heading);
  font-size: 1rem;
  font-weight: normal;
  color: var(--umb-navy);
  margin-bottom: 0.75rem;
}

.umb-editorial__aside ul {
  list-style: none;
  padding: 0;
}

.umb-editorial__aside li {
  padding: 0.4rem 0;
  border-bottom: 1px solid var(--umb-border-light);
  font-size: 0.9rem;
  color: var(--umb-text-body);
}

.umb-editorial__aside li:last-child {
  border-bottom: none;
}

.umb-editorial__aside li::before {
  content: '→';
  margin-right: 0.5rem;
  color: var(--umb-amber);
  font-size: 0.85rem;
}


.umb-capabilities-rows {
  display: flex;
  flex-direction: column;
  gap: 2.5rem;
}

.umb-cap-row {
  display: grid;
  grid-template-columns: 64px 1fr;
  gap: 1.5rem;
  padding-bottom: 2.5rem;
  border-bottom: 1px solid var(--umb-border-light);
}

.umb-cap-row:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.umb-cap-row__number {
  font-family: var(--umb-font-heading);
  font-size: 2.5rem;
  font-weight: normal;
  color: var(--umb-border);
  line-height: 1;
  text-align: center;
}

.umb-cap-row__content h3 {
  font-family: var(--umb-font-heading);
  font-size: 1.25rem;
  font-weight: normal;
  color: var(--umb-navy);
  margin-bottom: 0.6rem;
}

.umb-cap-row__content p {
  font-size: 0.95rem;
  color: var(--umb-text-body);
  line-height: 1.7;
}


.umb-process-steps {
  counter-reset: step-counter;
  display: flex;
  flex-direction: column;
  gap: 0;
}

.umb-process-step {
  display: grid;
  grid-template-columns: 50px 1fr;
  gap: 1.25rem;
  position: relative;
  padding-bottom: 2rem;
}

.umb-process-step:last-child {
  padding-bottom: 0;
}

.umb-process-step__indicator {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0;
}

.umb-process-step__dot {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background-color: var(--umb-navy);
  color: var(--umb-white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  font-weight: 700;
  flex-shrink: 0;
  counter-increment: step-counter;
}

.umb-process-step__line {
  width: 2px;
  flex: 1;
  background-color: var(--umb-border-light);
  margin-top: 4px;
}

.umb-process-step:last-child .umb-process-step__line {
  display: none;
}

.umb-process-step__body h3 {
  font-family: var(--umb-font-heading);
  font-size: 1.1rem;
  font-weight: normal;
  color: var(--umb-navy);
  margin-bottom: 0.4rem;
  padding-top: 0.35rem;
}

.umb-process-step__body p {
  font-size: 0.9rem;
  color: var(--umb-text-body);
  line-height: 1.65;
}


.umb-faq {
  display: flex;
  flex-direction: column;
  gap: 0;
  border: 1px solid var(--umb-border);
  border-radius: var(--umb-radius);
  overflow: hidden;
}

.umb-faq__item {
  border-bottom: 1px solid var(--umb-border);
}

.umb-faq__item:last-child {
  border-bottom: none;
}

.umb-faq__question {
  display: block;
  width: 100%;
  padding: 1.25rem 1.5rem;
  background: var(--umb-white);
  border: none;
  text-align: left;
  font-family: var(--umb-font-body);
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--umb-navy);
  cursor: pointer;
  transition: background-color 0.15s;
}

.umb-faq__question:hover {
  background-color: var(--umb-cream);
}

.umb-faq__question:focus-visible {
  outline: 2px solid var(--umb-amber);
  outline-offset: -2px;
}

.umb-faq__answer {
  padding: 0 1.5rem 1.25rem;
  font-size: 0.9rem;
  color: var(--umb-text-body);
  line-height: 1.7;
  background-color: var(--umb-cream);
}


.umb-contact-layout {
  display: grid;
  grid-template-columns: 3fr 2fr;
  gap: 4rem;
  align-items: start;
}

.umb-form-section h2 {
  font-family: var(--umb-font-heading);
  font-size: 1.5rem;
  font-weight: normal;
  color: var(--umb-navy);
  margin-bottom: 0.5rem;
}

.umb-form-section > p {
  font-size: 0.9rem;
  color: var(--umb-text-muted);
  margin-bottom: 1.75rem;
  line-height: 1.65;
}

.umb-form {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.umb-form__group {
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}

.umb-form__label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--umb-text);
  letter-spacing: 0.02em;
}

.umb-form__label .umb-required {
  color: var(--umb-amber);
  margin-left: 2px;
}

.umb-form__input,
.umb-form__select,
.umb-form__textarea {
  width: 100%;
  padding: 0.65rem 0.9rem;
  border: 1px solid var(--umb-border);
  border-radius: var(--umb-radius-sm);
  font-family: var(--umb-font-body);
  font-size: 0.9rem;
  color: var(--umb-text);
  background-color: var(--umb-white);
  transition: border-color 0.15s, box-shadow 0.15s;
  -webkit-appearance: none;
  appearance: none;
}

.umb-form__input:focus,
.umb-form__select:focus,
.umb-form__textarea:focus {
  outline: none;
  border-color: var(--umb-slate);
  box-shadow: 0 0 0 3px rgba(58, 107, 154, 0.15);
}

.umb-form__textarea {
  resize: vertical;
  min-height: 130px;
}

.umb-form__select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%236A6A7E' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.85rem center;
  padding-right: 2.5rem;
}

.umb-form__note {
  font-size: 0.8rem;
  color: var(--umb-text-muted);
  line-height: 1.5;
}

.umb-form__submit {
  align-self: flex-start;
  padding: 0.8rem 2rem;
  background-color: var(--umb-navy);
  color: var(--umb-white);
  border: none;
  border-radius: var(--umb-radius-sm);
  font-family: var(--umb-font-body);
  font-size: 0.9rem;
  font-weight: 600;
  cursor: pointer;
  letter-spacing: 0.025em;
  transition: background-color 0.18s;
}

.umb-form__submit:hover {
  background-color: var(--umb-slate);
}

.umb-form__submit:focus-visible {
  outline: 2px solid var(--umb-navy);
  outline-offset: 3px;
}


.umb-contact-info {
  background-color: var(--umb-cream);
  border: 1px solid var(--umb-border-light);
  border-radius: var(--umb-radius);
  padding: 2rem;
}

.umb-contact-info h2 {
  font-family: var(--umb-font-heading);
  font-size: 1.2rem;
  font-weight: normal;
  color: var(--umb-navy);
  margin-bottom: 1.25rem;
}

.umb-contact-detail {
  display: flex;
  flex-direction: column;
  gap: 0.2rem;
  margin-bottom: 1.25rem;
  padding-bottom: 1.25rem;
  border-bottom: 1px solid var(--umb-border-light);
}

.umb-contact-detail:last-of-type {
  border-bottom: none;
  margin-bottom: 0;
  padding-bottom: 0;
}

.umb-contact-detail__label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--umb-amber);
}

.umb-contact-detail__value {
  font-size: 0.9rem;
  color: var(--umb-text-body);
  line-height: 1.55;
}

.umb-contact-detail__value a {
  color: var(--umb-slate);
}


.umb-cta-strip {
  background-color: var(--umb-navy-deep);
  color: var(--umb-white);
  padding-block: var(--umb-gap-lg);
}

.umb-cta-strip__inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 2rem;
}

.umb-cta-strip__text h2 {
  font-family: var(--umb-font-heading);
  font-size: 1.45rem;
  font-weight: normal;
  color: var(--umb-white);
  margin-bottom: 0.4rem;
}

.umb-cta-strip__text p {
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.68);
}


.umb-scope-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
}

.umb-scope-card {
  padding: 1.5rem;
  background-color: var(--umb-white);
  border: 1px solid var(--umb-border-light);
  border-top: 3px solid var(--umb-slate);
  border-radius: 0 0 var(--umb-radius) var(--umb-radius);
}

.umb-scope-card h3 {
  font-family: var(--umb-font-heading);
  font-size: 1.05rem;
  font-weight: normal;
  color: var(--umb-navy);
  margin-bottom: 0.6rem;
}

.umb-scope-card p {
  font-size: 0.875rem;
  color: var(--umb-text-body);
  line-height: 1.65;
}


.umb-limits-panel {
  background-color: var(--umb-cream);
  border: 1px solid var(--umb-border);
  border-radius: var(--umb-radius);
  padding: 2rem 2.5rem;
}

.umb-limits-panel h2 {
  font-family: var(--umb-font-heading);
  font-size: 1.3rem;
  font-weight: normal;
  color: var(--umb-navy);
  margin-bottom: 1rem;
}

.umb-limits-panel p {
  font-size: 0.9rem;
  color: var(--umb-text-body);
  line-height: 1.7;
  margin-bottom: 0.75rem;
}

.umb-limits-panel p:last-child {
  margin-bottom: 0;
}


.umb-functions-image-wrap {
  border-radius: var(--umb-radius-lg);
  overflow: hidden;
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.1);
  margin-bottom: 3rem;
  aspect-ratio: 16 / 7;
}

.umb-functions-image-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}


.umb-footer {
  background-color: var(--umb-navy-deep);
  color: rgba(255, 255, 255, 0.7);
  padding-block: var(--umb-gap-lg);
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.umb-footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 2.5rem;
  margin-bottom: var(--umb-gap-lg);
}

.umb-footer__brand-col .umb-footer__brand-name {
  font-family: var(--umb-font-heading);
  font-size: 1.15rem;
  color: var(--umb-white);
  margin-bottom: 0.75rem;
  display: block;
}

.umb-footer__brand-col p {
  font-size: 0.85rem;
  line-height: 1.65;
  color: rgba(255, 255, 255, 0.58);
  max-width: 28ch;
}

.umb-footer__col-heading {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--umb-amber-light);
  margin-bottom: 0.9rem;
}

.umb-footer__links {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  list-style: none;
  padding: 0;
}

.umb-footer__links a {
  font-size: 0.875rem;
  color: rgba(255, 255, 255, 0.65);
  text-decoration: none;
  transition: color 0.15s;
}

.umb-footer__links a:hover {
  color: var(--umb-white);
}

.umb-footer__links a:focus-visible {
  outline: 2px solid var(--umb-amber-light);
  outline-offset: 2px;
  border-radius: 2px;
}

.umb-footer__bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  padding-top: var(--umb-gap-sm);
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.umb-footer__copy {
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.45);
}

.umb-footer__legal-links {
  display: flex;
  gap: 1.25rem;
  list-style: none;
  padding: 0;
}

.umb-footer__legal-links a {
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.45);
  text-decoration: none;
  transition: color 0.15s;
}

.umb-footer__legal-links a:hover {
  color: rgba(255, 255, 255, 0.75);
}


.umb-legal-layout {
  display: grid;
  grid-template-columns: 1fr 260px;
  gap: 3rem;
  align-items: start;
}

.umb-legal-content h2 {
  font-family: var(--umb-font-heading);
  font-size: 1.35rem;
  font-weight: normal;
  color: var(--umb-navy);
  margin-top: 2rem;
  margin-bottom: 0.75rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--umb-border-light);
}

.umb-legal-content h2:first-child {
  margin-top: 0;
  padding-top: 0;
  border-top: none;
}

.umb-legal-content p {
  font-size: 0.9rem;
  color: var(--umb-text-body);
  line-height: 1.75;
  margin-bottom: 0.85rem;
}

.umb-legal-content p:last-child {
  margin-bottom: 0;
}

.umb-legal-content ul {
  list-style: disc;
  padding-left: 1.4rem;
  margin-bottom: 0.85rem;
}

.umb-legal-content li {
  font-size: 0.9rem;
  color: var(--umb-text-body);
  line-height: 1.7;
  margin-bottom: 0.3rem;
}

.umb-legal-nav {
  position: sticky;
  top: calc(var(--umb-nav-height) + 2rem);
  background-color: var(--umb-cream);
  border: 1px solid var(--umb-border-light);
  border-radius: var(--umb-radius);
  padding: 1.5rem;
}

.umb-legal-nav h3 {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--umb-amber);
  margin-bottom: 0.9rem;
}

.umb-legal-nav ul {
  list-style: none;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}

.umb-legal-nav a {
  font-size: 0.85rem;
  color: var(--umb-text-muted);
  text-decoration: none;
  transition: color 0.15s;
  display: block;
  padding: 0.3rem 0;
}

.umb-legal-nav a:hover {
  color: var(--umb-navy);
}


.umb-extra-panel {
  padding: 1.75rem;
  background-color: var(--umb-white);
  border: 1px solid var(--umb-border-light);
  border-radius: var(--umb-radius);
  margin-bottom: 1.25rem;
}

.umb-extra-panel:last-child {
  margin-bottom: 0;
}

.umb-extra-panel h3 {
  font-family: var(--umb-font-heading);
  font-size: 1.1rem;
  font-weight: normal;
  color: var(--umb-navy);
  margin-bottom: 0.6rem;
}

.umb-extra-panel p {
  font-size: 0.9rem;
  color: var(--umb-text-body);
  line-height: 1.7;
}


.umb-details-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
}

.umb-details-block {
  padding: 1.5rem;
  border: 1px solid var(--umb-border);
  border-radius: var(--umb-radius);
  background-color: var(--umb-white);
}

.umb-details-block h3 {
  font-family: var(--umb-font-heading);
  font-size: 1.05rem;
  font-weight: normal;
  color: var(--umb-navy);
  margin-bottom: 0.6rem;
}

.umb-details-block p {
  font-size: 0.875rem;
  color: var(--umb-text-body);
  line-height: 1.65;
}


.umb-page-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  padding: 1.25rem 0;
  border-top: 1px solid var(--umb-border-light);
  margin-top: 2rem;
}

.umb-page-nav a {
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--umb-slate);
  text-decoration: none;
  padding: 0.35rem 0.75rem;
  border: 1px solid var(--umb-border);
  border-radius: var(--umb-radius-sm);
  transition: border-color 0.15s, color 0.15s;
}

.umb-page-nav a:hover {
  border-color: var(--umb-slate);
  color: var(--umb-navy);
}


@media (max-width: 900px) {
  :root {
    --umb-gap-xl: 3.5rem;
    --umb-gap-lg: 2.25rem;
  }

  .umb-nav__inner {
    flex-wrap: wrap;
    gap: 0.5rem;
    padding-block: 0.5rem;
    height: auto;
    min-height: var(--umb-nav-height);
  }

  .umb-nav__links {
    width: 100%;
    flex-wrap: wrap;
    gap: 0.25rem;
    justify-content: flex-start;
    padding-bottom: 0.5rem;
  }

  .umb-nav__link {
    padding: 0.5rem 0.7rem;
    font-size: 0.82rem;
  }

  .umb-nav__cta {
    font-size: 0.82rem;
    padding: 0.45rem 0.9rem;
  }

  .umb-hero__grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .umb-hero__image-frame {
    order: -1;
  }

  .umb-intro-band__grid {
    grid-template-columns: 1fr;
  }

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

  .umb-index-links {
    grid-template-columns: 1fr;
  }

  .umb-editorial {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .umb-editorial--reversed {
    grid-template-columns: 1fr;
  }

  .umb-scope-grid {
    grid-template-columns: 1fr;
  }

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

  .umb-cta-strip__inner {
    flex-direction: column;
    text-align: center;
  }

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

  .umb-footer__brand-col {
    grid-column: 1 / -1;
  }

  .umb-legal-layout {
    grid-template-columns: 1fr;
  }

  .umb-legal-nav {
    position: static;
  }

  .umb-details-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 560px) {
  :root {
    --umb-gap-xl: 2.5rem;
    --umb-gap-lg: 1.75rem;
  }

  .umb-container {
    padding-inline: 1.25rem;
  }

  .umb-hero {
    padding-block: 2.5rem;
  }

  .umb-hero__heading {
    font-size: 1.8rem;
  }

  .umb-hero__intro {
    font-size: 0.95rem;
  }

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

  .umb-about-split__image {
    aspect-ratio: 16 / 9;
  }

  .umb-cta-strip__inner {
    align-items: flex-start;
    text-align: left;
  }

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

  .umb-footer__bottom {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.75rem;
  }

  .umb-footer__legal-links {
    flex-wrap: wrap;
    gap: 0.75rem 1rem;
  }

  .umb-cap-row {
    grid-template-columns: 40px 1fr;
    gap: 1rem;
  }

  .umb-process-step {
    grid-template-columns: 36px 1fr;
  }

  .umb-limits-panel {
    padding: 1.25rem;
  }

  .umb-editorial__aside {
    padding: 1.25rem;
  }

  .umb-contact-info {
    padding: 1.25rem;
  }

  .umb-page-banner {
    padding-block: 2.5rem;
  }
}