:root {
  --ink: #17243a;
  --muted: #5f6c7d;
  --paper: #f5f1e9;
  --white: #ffffff;
  --line: #d8d4cc;
  --navy: #14213d;
  --navy-soft: #203453;
  --coral: #d96f4c;
  --teal: #2f7372;
  --teal-soft: #d9e9e6;
  --yellow: #f0c76b;
  --shadow: 0 18px 45px rgba(20, 33, 61, 0.11);
  --body: Arial, Helvetica, sans-serif;
  --display: Georgia, "Times New Roman", serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  min-width: 320px;
  color: var(--ink);
  background: var(--paper);
  font-family: var(--body);
  line-height: 1.6;
}
a { color: inherit; }
img { display: block; max-width: 100%; }
.container { width: min(1180px, calc(100% - 40px)); margin: 0 auto; }
.content-wrap { width: min(1040px, calc(100% - 40px)); margin: 0 auto; }
.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(245, 241, 233, 0.96);
  border-bottom: 1px solid var(--line);
}
.header-row { min-height: 70px; display: flex; align-items: center; gap: 28px; }
.brand { text-decoration: none; display: inline-flex; align-items: center; gap: 10px; font-weight: 800; white-space: nowrap; }
.brand-mark { color: var(--navy); letter-spacing: .02em; }
.brand-tag { color: var(--coral); font-size: .76rem; text-transform: uppercase; letter-spacing: .08em; }
.site-nav { display: flex; align-items: center; gap: 22px; margin-left: auto; font-size: .92rem; }
.site-nav a { text-decoration: none; color: var(--muted); }
.site-nav a:hover, .site-nav a[aria-current="page"] { color: var(--navy); }
.header-cta { margin-left: 4px; }
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 0 18px;
  border: 1px solid transparent;
  border-radius: 6px;
  font-weight: 700;
  text-decoration: none;
  cursor: pointer;
}
.btn-primary { color: var(--white); background: var(--coral); }
.btn-primary:hover { background: #bd593a; }
.btn-secondary { color: var(--navy); background: transparent; border-color: var(--navy); }
.btn-secondary:hover { color: var(--white); background: var(--navy); }
.btn-light { color: var(--navy); background: var(--white); }
.btn-light:hover { background: var(--yellow); }
.page-hero { padding: 76px 0 64px; background: var(--navy); color: var(--white); }
.page-hero .content-wrap { width: min(1180px, calc(100% - 40px)); }
.hero-grid { display: grid; grid-template-columns: minmax(0, .95fr) minmax(420px, 1.05fr); gap: clamp(34px, 4vw, 54px); align-items: center; }
.eyebrow { margin: 0 0 16px; color: var(--yellow); font-size: .78rem; font-weight: 800; text-transform: uppercase; letter-spacing: .12em; }
h1, h2, h3 { margin-top: 0; line-height: 1.16; }
h1, h2 { font-family: var(--display); font-weight: 700; }
h1 { margin-bottom: 20px; font-size: clamp(2.5rem, 6vw, 5rem); letter-spacing: -.035em; }
.page-hero h1 { font-size: clamp(2.75rem, 4vw, 4rem); letter-spacing: 0; text-wrap: balance; }
h2 { margin-bottom: 14px; font-size: clamp(2rem, 4vw, 3.1rem); letter-spacing: -.02em; }
h3 { margin-bottom: 9px; font-size: 1.12rem; }
.hero-copy { max-width: 660px; color: #e3e9f1; font-size: 1.12rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.section-actions { margin-top: 24px; }
.hero-note { margin-top: 18px; color: #b9c4d4; font-size: .86rem; }
.hero-media { margin: 0; background: #0d172c; border: 1px solid #39506c; padding: 12px; box-shadow: var(--shadow); }
.hero-media img { width: 100%; aspect-ratio: 16 / 10; object-fit: cover; object-position: top; }
.hero-media figcaption { padding: 10px 4px 2px; color: #b9c4d4; font-size: .84rem; line-height: 1.45; }
.section { padding: 74px 0; }
.section-alt { background: #e8eee9; }
.section-dark { color: var(--white); background: var(--navy-soft); }
.section-intro { max-width: 720px; color: var(--muted); }
.section-dark .section-intro { color: #d9e1ea; }
.section-label { margin: 0 0 10px; color: var(--coral); font-weight: 800; font-size: .78rem; text-transform: uppercase; letter-spacing: .11em; }
.section-dark .section-label { color: var(--yellow); }
.grid-2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; }
.card { padding: 24px; background: var(--white); border: 1px solid var(--line); border-radius: 8px; box-shadow: 0 8px 24px rgba(20, 33, 61, .05); }
.section-dark .card { color: var(--ink); }
.card-accent { border-top: 4px solid var(--coral); }
.card-teal { border-top: 4px solid var(--teal); }
.card-yellow { border-top: 4px solid var(--yellow); }
.card p:last-child, .card ul:last-child { margin-bottom: 0; }
.card p { color: var(--muted); }
.clean-list { margin: 0; padding-left: 20px; }
.clean-list li { margin: 9px 0; }
.decision-box { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-top: 30px; }
.decision-box .card { height: 100%; }
.decision-title { margin-bottom: 10px; color: var(--navy); font-weight: 800; }
.source-note { padding: 14px 16px; border-left: 4px solid var(--teal); background: var(--teal-soft); color: var(--ink); }
.source-note a, .text-link { color: var(--teal); font-weight: 700; }
.table-wrap { overflow-x: auto; margin-top: 26px; border: 1px solid var(--line); background: var(--white); }
table { width: 100%; min-width: 680px; border-collapse: collapse; }
th, td { padding: 14px 16px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
th { color: var(--navy); background: #e9edf2; font-size: .85rem; text-transform: uppercase; letter-spacing: .04em; }
td { color: var(--muted); }
tr:last-child td { border-bottom: 0; }
.callout { margin-top: 28px; padding: 22px; border: 1px solid #d7b05d; background: #fff7df; }
.callout strong { color: var(--navy); }
.steps { display: grid; gap: 14px; margin-top: 28px; }
.step { display: grid; grid-template-columns: 44px 1fr; gap: 16px; align-items: start; padding: 20px; background: var(--white); border: 1px solid var(--line); border-radius: 8px; }
.step-number { display: grid; place-items: center; width: 36px; height: 36px; color: var(--white); background: var(--teal); border-radius: 50%; font-weight: 800; }
.step p { margin: 0; color: var(--muted); }
.faq-list { display: grid; gap: 12px; margin-top: 26px; }
.faq-item { padding: 20px 22px; background: var(--white); border: 1px solid var(--line); border-radius: 8px; }
.faq-item h3 { margin-bottom: 7px; color: var(--navy); }
.faq-item p { margin: 0; color: var(--muted); }
.cta-band { padding: 48px 0; color: var(--white); background: var(--coral); }
.cta-band .section-intro { color: #fff1eb; }
.cta-band .btn-secondary { color: var(--white); border-color: var(--white); }
.cta-band .btn-secondary:hover { color: var(--coral); background: var(--white); }
.disclosure { padding: 16px 0; color: var(--muted); background: #eee9e0; border-top: 1px solid var(--line); font-size: .82rem; }
.disclosure a { color: var(--navy); font-weight: 600; }
.site-footer { padding: 42px 0; color: #d9e1ea; background: #0e182d; }
.footer-grid { display: grid; grid-template-columns: 1.2fr 1fr 1fr; gap: 26px; }
.footer-title { margin-bottom: 12px; color: var(--white); font-weight: 800; }
.footer-links { display: grid; gap: 7px; }
.footer-links a { color: #c2ccda; font-size: .9rem; text-decoration: none; }
.footer-links a:hover { color: var(--yellow); }
.footer-copy { margin: 0; color: #aab7c7; font-size: .84rem; }
.small { color: var(--muted); font-size: .84rem; }
.section-dark .small { color: #c9d3df; }
.prose { max-width: 780px; }
.prose p, .prose li { color: var(--muted); }
.prose h2 { margin-top: 34px; font-size: 2rem; }
.prose h3 { margin-top: 24px; color: var(--navy); }
.prose ul { padding-left: 22px; }
.error-page { min-height: 64vh; display: grid; place-items: center; text-align: center; }
.error-page p { max-width: 560px; margin: 0 auto 24px; color: var(--muted); }
@media (max-width: 900px) {
  .header-row { flex-wrap: wrap; padding: 12px 0; }
  .site-nav { order: 3; width: 100%; justify-content: space-between; gap: 12px; overflow-x: auto; }
  .header-cta { margin-left: auto; }
  .hero-grid, .footer-grid { grid-template-columns: 1fr; }
  .hero-grid { gap: 30px; }
  .grid-3 { grid-template-columns: 1fr; }
}
@media (max-width: 620px) {
  .container, .content-wrap { width: min(100% - 28px, 1040px); }
  .brand-tag { display: none; }
  .header-cta { padding: 0 12px; font-size: .84rem; }
  .page-hero { padding: 52px 0 44px; }
  h1 { font-size: clamp(2.35rem, 13vw, 3.7rem); }
  .page-hero h1 { font-size: clamp(2.4rem, 11vw, 3.1rem); }
  h2 { font-size: 2rem; }
  .section { padding: 54px 0; }
  .grid-2, .decision-box { grid-template-columns: 1fr; }
  .hero-actions { align-items: stretch; flex-direction: column; }
  .hero-actions .btn { width: 100%; }
  .hero-media img { aspect-ratio: 16 / 10; object-fit: cover; }
}