:root {
  --navy: #1a2e4a;
  --navy-deep: #122136;
  --gold: #c9a84c;
  --gold-soft: #f5edd4;
  --text: #1b2430;
  --muted: #5a6573;
  --line: #d9e0e8;
  --bg: #f5f8fb;
  --white: #ffffff;
  --shadow: 0 18px 40px rgba(15, 32, 57, 0.08);
  --radius: 18px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: 'Inter', sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
}
a { color: var(--navy); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; display: block; }
.container { width: min(1160px, calc(100% - 2rem)); margin: 0 auto; }
.narrow { width: min(760px, 100%); margin: 0 auto; }
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,0.96);
  border-bottom: 1px solid rgba(217,224,232,0.8);
  backdrop-filter: blur(10px);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 1rem; min-height: 80px; }
.logo { display: inline-flex; align-items: center; gap: .8rem; font-size: 1rem; color: var(--navy); }
.logo-mark {
  width: 40px; height: 40px; border-radius: 12px; display: inline-grid; place-items: center;
  background: linear-gradient(135deg, var(--navy), #274669); color: var(--gold); font-weight: 800;
}
.logo-text strong { color: var(--navy); }
.site-nav { display: flex; align-items: center; gap: 1.1rem; }
.site-nav a { font-weight: 600; color: var(--muted); }
.site-nav a.active, .site-nav a:hover { color: var(--navy); text-decoration: none; }
.nav-toggle { display:none; }
.hero, .page-hero {
  background: radial-gradient(circle at top left, rgba(201,168,76,.18), transparent 30%), linear-gradient(180deg, #f8fbff 0%, #ffffff 80%);
}
.hero { padding: 5rem 0 3.5rem; }
.page-hero.slim { padding: 3.75rem 0 2rem; }
.hero-grid, .content-with-sidebar { display:grid; gap: 2rem; }
.hero-grid { grid-template-columns: 1.3fr .9fr; align-items: start; }
.hero h1, .page-hero h1 { margin: 0 0 1rem; font-size: clamp(2.5rem, 5vw, 4.4rem); line-height: 1.04; color: var(--navy-deep); }
.page-hero h1 { font-size: clamp(2rem, 4vw, 3rem); }
.lead { font-size: 1.15rem; color: var(--muted); max-width: 52rem; }
.hero-copy { max-width: 46rem; color: #334155; }
.eyebrow { text-transform: uppercase; letter-spacing: .12em; font-size: .8rem; font-weight: 700; color: var(--gold); margin-bottom: .9rem; }
.hero-actions, .center { display:flex; flex-wrap:wrap; gap: .9rem; align-items:center; }
.button {
  display:inline-flex; align-items:center; justify-content:center; padding: .9rem 1.2rem; border-radius: 999px; font-weight:700;
  border: 1px solid transparent; transition: .2s ease;
}
.button.primary { background: var(--navy); color: #fff; }
.button.primary:hover { background: var(--navy-deep); text-decoration:none; }
.button.secondary { background: var(--white); color: var(--navy); border-color: var(--line); }
.button.secondary:hover { text-decoration:none; border-color: var(--navy); }
.hero-card, .card, .sidebar-card {
  background: var(--white); border: 1px solid rgba(217,224,232,.9); border-radius: var(--radius); box-shadow: var(--shadow);
}
.hero-card { padding: 1.5rem; }
.section { padding: 4rem 0; }
.section.muted { background: var(--bg); }
.section-heading { margin-bottom: 1.75rem; }
.cards { display:grid; gap: 1.25rem; }
.cards.three-up { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.cards.two-up { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.card { padding: 1.4rem; }
.feature-card h3 { margin-top: 0; color: var(--navy); }
.feature-card:hover { transform: translateY(-2px); text-decoration:none; }
.trust-bar { background: var(--navy); color: #fff; }
.trust-bar p { margin: 0; padding: 1rem 0; text-align:center; font-weight:600; }
.inline-trust { display:flex; flex-wrap:wrap; gap: .75rem; margin-top: 1.5rem; }
.inline-trust span {
  padding: .4rem .8rem; border-radius: 999px; background: rgba(26,46,74,.06); color: var(--navy); font-weight: 600; font-size: .95rem;
}
.cta-banner {
  width: min(1160px, calc(100% - 2rem)); margin: 0 auto; background: linear-gradient(135deg, var(--navy), #254362);
  color: #fff; border-radius: 24px; padding: 2rem; display:grid; grid-template-columns: 1fr 1.2fr; gap: 1.5rem;
}
.lead-form { display:grid; gap: .85rem; }
.lead-form label { display:grid; gap: .35rem; font-size: .95rem; font-weight: 600; color: #334155; }
.hero-card .lead-form label, .cta-banner .lead-form label, .cta-banner .lead-form span { color: inherit; }
.lead-form input, .lead-form select {
  width: 100%; padding: .88rem 1rem; border-radius: 12px; border: 1px solid #cfd8e3; font: inherit; color: var(--text); background: #fff;
}
.lead-form button {
  margin-top: .2rem; border: 0; border-radius: 12px; background: var(--gold); color: #1f2630; font: inherit; font-weight: 800; padding: .95rem 1rem; cursor: pointer;
}
.lead-form button:hover { filter: brightness(.98); }
.form-note { font-size: .86rem; color: var(--muted); margin: 0; }
.inline-form { grid-template-columns: repeat(4, minmax(0, 1fr)) auto; align-items:end; }
.inline-form label { font-size: .85rem; }
.two-col-tight { display:grid; grid-template-columns: 1.1fr .9fr; gap: 1.5rem; align-items: start; }
.summary-card h3 { margin-top:0; }
.article-layout { background: var(--bg); }
.content-with-sidebar { grid-template-columns: minmax(0, 1.6fr) minmax(280px, .75fr); align-items:start; }
.article-content {
  background: var(--white); border: 1px solid rgba(217,224,232,.9); border-radius: 24px; padding: 2rem; box-shadow: var(--shadow);
}
.article-content .intro { font-size: 1.08rem; color: #334155; }
.article-content h2 { color: var(--navy-deep); margin-top: 2rem; }
.article-content h3 { color: var(--navy); margin-top: 1.25rem; }
.sidebar { display:grid; gap: 1rem; }
.sidebar-card { padding: 1.35rem; }
.sticky-card { position: sticky; top: 100px; }
.checklist, .bullet-list, .number-list { padding-left: 1.15rem; }
.checklist li, .bullet-list li, .number-list li { margin-bottom: .6rem; }
.compact li { margin-bottom: .4rem; }
.table-wrap { overflow-x:auto; }
table { width:100%; border-collapse: collapse; font-size: .95rem; }
th, td { padding: .85rem; border-bottom: 1px solid var(--line); text-align:left; vertical-align: top; }
thead th { background: var(--navy); color:#fff; }
.text-link { font-weight:700; }
.site-footer { background: var(--navy-deep); color: rgba(255,255,255,.88); padding-top: 3rem; }
.footer-grid { display:grid; grid-template-columns: 1.5fr .8fr .8fr; gap: 1.5rem; }
.footer-brand, .footer-heading { font-weight: 700; color: #fff; }
.site-footer a { color: rgba(255,255,255,.88); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); margin-top: 2rem; padding: 1rem 0 1.5rem; font-size: .92rem; }
@media (max-width: 980px) {
  .hero-grid, .content-with-sidebar, .two-col-tight, .cta-banner, .cards.three-up, .cards.two-up, .inline-form, .footer-grid { grid-template-columns: 1fr; }
  .sticky-card { position: static; }
}
@media (max-width: 760px) {
  .header-inner { min-height: 72px; }
  .nav-toggle {
    display:inline-flex; align-items:center; justify-content:center; border:1px solid var(--line); background:#fff; color: var(--navy); border-radius: 10px; padding: .65rem .8rem; font-weight:700;
  }
  .site-nav {
    display:none; position:absolute; top:72px; left:0; right:0; background:#fff; padding: 1rem; border-bottom:1px solid var(--line); flex-direction:column; align-items:flex-start;
  }
  .site-nav.open { display:flex; }
  .hero { padding-top: 4rem; }
  .hero h1, .page-hero h1 { font-size: 2.2rem; }
  .section, .page-hero.slim { padding: 2.75rem 0; }
  .article-content, .hero-card, .sidebar-card, .card { padding: 1.25rem; }
}