:root {
  --bg: #ffffff;
  --ink: #14213d;
  --muted: #4b5563;
  --brand: #0b5cad;
  --brand-dark: #073e77;
  --accent: #f9a826;
  --line: #e5e7eb;
  --soft: #f4f7fb;
  --max: 1080px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  font-size: 17px;
}

a { color: var(--brand); text-decoration: none; }
a:hover { text-decoration: underline; }

.wrap { max-width: var(--max); margin: 0 auto; padding: 0 20px; }

/* Header / nav */
header.site {
  position: sticky;
  top: 0;
  z-index: 50;
  background: #fff;
  border-bottom: 1px solid var(--line);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 12px 20px;
  max-width: var(--max);
  margin: 0 auto;
  flex-wrap: wrap;
}
.brand { font-weight: 800; font-size: 1.15rem; color: var(--brand-dark); }
.brand span { color: var(--accent); }
.nav ul { list-style: none; display: flex; gap: 18px; margin: 0; padding: 0; flex-wrap: wrap; }
.nav a { color: var(--muted); font-weight: 600; font-size: 0.95rem; }
.nav a.cta {
  background: var(--brand);
  color: #fff;
  padding: 8px 16px;
  border-radius: 8px;
}
.nav a.cta:hover { background: var(--brand-dark); text-decoration: none; }

/* Hero */
.hero {
  background: linear-gradient(135deg, #073e77 0%, #0b5cad 100%);
  color: #fff;
  padding: 64px 0 56px;
}
.hero h1 { font-size: 2.4rem; margin: 0 0 14px; line-height: 1.2; }
.hero p { font-size: 1.15rem; max-width: 720px; color: #e8f0fa; }
.btn {
  display: inline-block;
  background: var(--accent);
  color: #14213d;
  font-weight: 700;
  padding: 13px 26px;
  border-radius: 10px;
  margin-top: 22px;
  border: 0;
}
.btn:hover { filter: brightness(1.05); text-decoration: none; }
.btn.secondary { background: #fff; color: var(--brand-dark); margin-left: 10px; }

/* Sections */
main { padding: 40px 0; }
section { margin-bottom: 40px; }
h2 { font-size: 1.6rem; margin-top: 2rem; color: var(--brand-dark); }
h3 { font-size: 1.2rem; color: var(--ink); }

.grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 18px;
  margin-top: 24px;
}
.card {
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 22px;
  background: #fff;
  transition: box-shadow .15s, transform .15s;
}
.card:hover { box-shadow: 0 8px 24px rgba(11,92,173,.12); transform: translateY(-2px); }
.card h3 { margin-top: 0; }
.card a { font-weight: 700; }

/* Tables */
table { width: 100%; border-collapse: collapse; margin: 18px 0; font-size: 0.98rem; }
th, td { border: 1px solid var(--line); padding: 10px 12px; text-align: left; }
thead th { background: var(--soft); }
tbody tr:nth-child(even) { background: #fafcff; }

/* Callouts */
.note {
  background: var(--soft);
  border-left: 4px solid var(--brand);
  padding: 14px 18px;
  border-radius: 8px;
  margin: 20px 0;
}
.disclaimer {
  font-size: 0.9rem;
  color: var(--muted);
  background: #fff7e6;
  border: 1px solid #ffe1a6;
  border-radius: 8px;
  padding: 12px 16px;
  margin: 24px 0;
}

/* CTA band */
.cta-band {
  background: var(--soft);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 30px;
  text-align: center;
  margin: 40px 0;
}
.cta-band h2 { margin-top: 0; }

/* FAQ */
.faq details {
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 4px 16px;
  margin: 10px 0;
}
.faq summary { font-weight: 700; cursor: pointer; padding: 10px 0; }

/* Breadcrumb */
.crumb { font-size: 0.88rem; color: var(--muted); margin: 10px 0 0; }

/* Footer */
footer.site {
  border-top: 1px solid var(--line);
  background: var(--soft);
  padding: 34px 0;
  margin-top: 40px;
  color: var(--muted);
  font-size: 0.92rem;
}
footer.site .cols { display: flex; flex-wrap: wrap; gap: 40px; justify-content: space-between; }
footer.site ul { list-style: none; padding: 0; margin: 8px 0 0; }
footer.site h4 { color: var(--ink); margin: 0 0 6px; }

@media (max-width: 640px) {
  .hero h1 { font-size: 1.8rem; }
  .btn.secondary { margin-left: 0; display: inline-block; margin-top: 10px; }
}