:root {
  --navy: #0b3954;
  --navy-2: #134b6b;
  --teal: #087e8b;
  --teal-soft: #e3f3f4;
  --sun: #ff9f1c;
  --sun-dark: #d97f00;
  --sand: #fdf8f0;
  --ink: #1d2a33;
  --muted: #55636d;
  --line: #e4e8eb;
  --white: #ffffff;
  --radius: 14px;
  --max: 1120px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "DM Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  color: var(--ink);
  background: var(--white);
  line-height: 1.6;
  font-size: 17px;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--teal); }
h1, h2, h3 { font-family: "DM Serif Display", Georgia, serif; font-weight: 400; color: var(--navy); line-height: 1.15; margin: 0 0 .5em; }
h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); }
h2 { font-size: clamp(1.7rem, 3.4vw, 2.4rem); }
h3 { font-size: 1.3rem; }
p { margin: 0 0 1em; }
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 20px; }

/* top bar + header */
.topbar { background: var(--navy); color: #cfe3ec; font-size: .88rem; }
.topbar .wrap { display: flex; justify-content: space-between; gap: 12px; padding-top: 7px; padding-bottom: 7px; flex-wrap: wrap; }
.topbar a { color: var(--white); text-decoration: none; font-weight: 700; }
header.site { background: var(--white); border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 20; }
header.site .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 70px; }
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy); font-weight: 700; font-size: 1.2rem; letter-spacing: -.01em; }
.logo .mark { width: 36px; height: 36px; }
.logo b { color: var(--teal); font-weight: 700; }
nav.main { display: flex; gap: 22px; align-items: center; }
nav.main a { color: var(--ink); text-decoration: none; font-weight: 500; font-size: .98rem; }
nav.main a:hover, nav.main a[aria-current="page"] { color: var(--teal); }
.btn { display: inline-block; padding: 13px 22px; border-radius: 999px; font-weight: 700; text-decoration: none; border: 2px solid transparent; transition: background .15s, color .15s, transform .15s; text-align: center; }
.btn:hover { transform: translateY(-1px); }
.btn-sun { background: var(--sun); color: var(--navy); }
.btn-sun:hover { background: var(--sun-dark); color: var(--white); }
.btn-ghost { border-color: currentColor; color: var(--white); }
.btn-ghost:hover { background: var(--white); color: var(--navy); }
.btn-outline { border-color: var(--teal); color: var(--teal); }
.btn-outline:hover { background: var(--teal); color: var(--white); }
.btn-sm { padding: 9px 16px; font-size: .92rem; }
.menu-toggle { display: none; background: none; border: 0; font-size: 1.6rem; color: var(--navy); cursor: pointer; }

/* hero */
.hero { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 55%, var(--teal) 100%); color: var(--white); position: relative; overflow: hidden; }
.hero .wrap { display: grid; grid-template-columns: 1.15fr .85fr; gap: 40px; align-items: center; padding-top: 72px; padding-bottom: 80px; position: relative; z-index: 1; }
.hero h1 { color: var(--white); }
.hero p.lead { font-size: 1.2rem; color: #d7eaf1; max-width: 34em; }
.hero .ctas { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 24px; }
.hero .trust { display: flex; gap: 26px; flex-wrap: wrap; margin-top: 34px; font-size: .95rem; color: #cfe3ec; }
.hero .trust strong { display: block; font-size: 1.5rem; color: var(--white); font-family: "DM Serif Display", Georgia, serif; font-weight: 400; }
.hero-art { justify-self: center; width: 100%; max-width: 400px; }
.hero.sub .wrap { grid-template-columns: 1fr; padding-top: 56px; padding-bottom: 56px; }
.crumbs { font-size: .9rem; color: #cfe3ec; margin-bottom: 10px; }
.crumbs a { color: var(--white); }

/* sections */
section { padding: 72px 0; }
section.alt { background: var(--sand); }
.eyebrow { text-transform: uppercase; letter-spacing: .12em; font-size: .8rem; font-weight: 700; color: var(--teal); margin-bottom: 8px; }
.section-head { max-width: 680px; margin-bottom: 36px; }
.section-head p { color: var(--muted); font-size: 1.08rem; }

.grid { display: grid; gap: 20px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; display: flex; flex-direction: column; }
.card .icon { width: 46px; height: 46px; border-radius: 12px; background: var(--teal-soft); color: var(--teal); display: grid; place-items: center; margin-bottom: 14px; }
.card .icon svg { width: 26px; height: 26px; }
.card p { color: var(--muted); flex: 1; }
.card a.more { font-weight: 700; text-decoration: none; }
a.card { text-decoration: none; color: inherit; transition: border-color .15s, box-shadow .15s; }
a.card:hover { border-color: var(--teal); box-shadow: 0 8px 24px rgba(11, 57, 84, .08); }

.fact { border-left: 4px solid var(--sun); background: var(--white); border-radius: 0 var(--radius) var(--radius) 0; padding: 20px 22px; }
.fact h3 { font-size: 1.15rem; margin-bottom: .35em; }
.fact p { color: var(--muted); margin-bottom: .5em; }
.fact .src { font-size: .85rem; color: var(--muted); }

.steps { counter-reset: step; display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.step { position: relative; padding: 26px 22px 22px; border-radius: var(--radius); background: var(--teal-soft); }
.step::before { counter-increment: step; content: counter(step); position: absolute; top: -16px; left: 22px; width: 34px; height: 34px; border-radius: 50%; background: var(--navy); color: var(--white); display: grid; place-items: center; font-weight: 700; }
.step h3 { margin-top: 6px; }
.step p { color: var(--muted); margin: 0; }

.prose { max-width: 760px; }
.prose h2 { margin-top: 1.4em; }
.prose h3 { margin-top: 1.2em; color: var(--navy-2); }
.prose ul { padding-left: 1.2em; }
.prose li { margin-bottom: .4em; }
.prose table { width: 100%; border-collapse: collapse; margin: 1em 0 1.4em; font-size: .97rem; }
.prose th, .prose td { text-align: left; padding: 10px 12px; border-bottom: 1px solid var(--line); vertical-align: top; }
.prose th { background: var(--teal-soft); color: var(--navy); }
.table-scroll { overflow-x: auto; }
.callout { background: var(--sand); border: 1px solid #f1e4cc; border-radius: var(--radius); padding: 18px 20px; margin: 1.4em 0; }
.callout strong { color: var(--navy); }
.sources { font-size: .88rem; color: var(--muted); border-top: 1px solid var(--line); margin-top: 2em; padding-top: 1em; }

.two-col { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 48px; align-items: start; }
.aside-cta { position: sticky; top: 96px; background: var(--navy); color: var(--white); border-radius: var(--radius); padding: 26px; }
.aside-cta h3 { color: var(--white); }
.aside-cta p { color: #cfe3ec; }
.aside-cta .btn { display: block; margin-top: 10px; }

/* faq */
details { border-bottom: 1px solid var(--line); padding: 16px 0; }
details summary { cursor: pointer; font-weight: 700; color: var(--navy); list-style: none; display: flex; justify-content: space-between; gap: 16px; }
details summary::-webkit-details-marker { display: none; }
details summary::after { content: "+"; color: var(--teal); font-size: 1.4rem; line-height: 1; }
details[open] summary::after { content: "\2013"; }
details p { color: var(--muted); margin: 12px 0 0; }

/* cta band */
.cta-band { background: var(--sun); padding: 56px 0; }
.cta-band .wrap { display: flex; justify-content: space-between; align-items: center; gap: 24px; flex-wrap: wrap; }
.cta-band h2 { margin: 0; color: var(--navy); }
.cta-band p { margin: 6px 0 0; color: var(--navy); }
.cta-band .btn-navy { background: var(--navy); color: var(--white); }
.cta-band .btn-navy:hover { background: var(--white); color: var(--navy); }

/* footer */
footer.site { background: #082b40; color: #b9cfd9; padding: 56px 0 28px; font-size: .95rem; }
footer.site .cols { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 32px; }
footer.site h4 { color: var(--white); margin: 0 0 12px; font-size: 1rem; }
footer.site a { color: #dbe9ef; text-decoration: none; }
footer.site a:hover { color: var(--sun); }
footer.site ul { list-style: none; padding: 0; margin: 0; }
footer.site li { margin-bottom: 7px; }
footer.site .legal { border-top: 1px solid #1d4459; margin-top: 36px; padding-top: 20px; font-size: .85rem; display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; }

@media (max-width: 900px) {
  .hero .wrap, .two-col { grid-template-columns: 1fr; }
  .hero-art { display: none; }
  .grid-3, .steps { grid-template-columns: 1fr 1fr; }
  footer.site .cols { grid-template-columns: 1fr 1fr; }
  .aside-cta { position: static; }
}
@media (max-width: 760px) {
  nav.main { display: none; position: absolute; top: 70px; left: 0; right: 0; background: var(--white); flex-direction: column; align-items: stretch; padding: 12px 20px 20px; border-bottom: 1px solid var(--line); gap: 4px; }
  nav.main.open { display: flex; }
  nav.main a { padding: 10px 0; }
  .menu-toggle { display: block; }
  header.site .header-cta { display: none; }
}
@media (max-width: 600px) {
  body { font-size: 16px; }
  .wrap { padding: 0 16px; }
  section { padding: 52px 0; }
  .grid-3, .grid-2, .steps { grid-template-columns: 1fr; }
  footer.site .cols { grid-template-columns: 1fr; }
  .hero .wrap { padding-top: 48px; padding-bottom: 56px; }
}
.prose td:first-child, .prose th:first-child { white-space: nowrap; }
@media (max-width: 600px) { .topbar .wrap > span:first-child { display: none; } }