:root {
  --navy: #0b2545;
  --navy-dark: #081a33;
  --accent: #d4a017;
  --accent-dark: #8a6508;
  --accent-text: #7a5a08;
  --bg: #ffffff;
  --bg-alt: #f5f7fa;
  --text: #1a1f2e;
  --text-muted: #5a6478;
  --border: #e1e5ec;
  --radius: 6px;
  --shadow: 0 2px 12px rgba(11, 37, 69, 0.08);
  --shadow-lg: 0 8px 32px rgba(11, 37, 69, 0.12);
  --maxw: 1200px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  font-size: 17px;
  line-height: 1.6;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy); text-decoration: none; }
a:hover { color: var(--accent-dark); }
h1, h2, h3, h4 { font-family: Georgia, "Times New Roman", serif; line-height: 1.2; color: var(--navy); margin-top: 0; }
h1 { font-size: clamp(2rem, 4vw, 3rem); margin-bottom: 1rem; }
h2 { font-size: clamp(1.6rem, 3vw, 2.25rem); margin-bottom: 1rem; }
h3 { font-size: 1.3rem; margin-bottom: .75rem; }
p { margin: 0 0 1rem; }
ul { margin: 0 0 1rem; padding-left: 1.2rem; }

.container { max-width: var(--maxw); margin: 0 auto; padding: 0 1.25rem; }
.section { padding: 4rem 0; }
.section-alt { background: var(--bg-alt); }

.skip-link { position: absolute; left: -9999px; top: 0; background: var(--navy); color: #fff; padding: .75rem 1rem; z-index: 1000; }
.skip-link:focus { left: 1rem; top: 1rem; color: #fff; }

/* Header */
.site-header {
  background: #fff;
  border-bottom: 1px solid var(--border);
  position: sticky; top: 0; z-index: 100;
  box-shadow: var(--shadow);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; padding: .75rem 1.25rem; max-width: var(--maxw); margin: 0 auto; gap: 1rem; }
.logo { display: inline-flex; align-items: center; flex: 0 1 auto; }
.logo img { width: clamp(185px, 24vw, 340px); height: auto; }
.nav { display: flex; align-items: center; gap: 1.5rem; }
.nav a { font-weight: 500; font-size: .95rem; color: var(--text); }
.nav a:hover, .nav a[aria-current="page"] { color: var(--accent-dark); }
.nav-cta { display: inline-flex; align-items: center; gap: .4rem; }

.btn {
  display: inline-block; padding: .85rem 1.5rem;
  background: var(--accent); color: var(--navy-dark);
  font-weight: 600; border-radius: var(--radius);
  border: none; cursor: pointer; font-size: 1rem;
  transition: background .15s, transform .1s;
  text-align: center;
}
.btn:hover { background: var(--accent-dark); color: #fff; }
.btn-outline { background: transparent; color: var(--navy); border: 2px solid var(--navy); padding: calc(.85rem - 2px) calc(1.5rem - 2px); }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-lg { padding: 1rem 2rem; font-size: 1.05rem; }

.menu-toggle { display: none; background: none; border: 0; font-size: 1.5rem; cursor: pointer; color: var(--navy); }

@media (max-width: 860px) {
  .header-inner { padding: .65rem 1rem; }
  .logo img { width: min(230px, calc(100vw - 6.5rem)); }
  .menu-toggle { display: block; }
  .nav { display: none; position: absolute; top: 100%; left: 0; right: 0; background: #fff; flex-direction: column; align-items: stretch; padding: 1rem; gap: 0; border-bottom: 1px solid var(--border); box-shadow: var(--shadow); }
  .nav.open { display: flex; }
  .nav a { padding: .75rem 0; border-bottom: 1px solid var(--border); }
  .nav a:last-child { border-bottom: 0; }
}

/* Hero */
.hero {
  position: relative;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  color: #fff;
  padding: 5rem 0;
  text-align: center;
  overflow: hidden;
  isolation: isolate;
}
.hero-bg-img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  z-index: -2;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(11,37,69,0.88) 0%, rgba(8,26,51,0.92) 100%);
  z-index: -1;
}
.hero-image {
  width: 100%;
  height: clamp(220px, 32vw, 380px);
  object-fit: cover;
  display: block;
}
.banner {
  position: relative;
  overflow: hidden;
  background: var(--bg-alt);
}
.banner img {
  width: 100%;
  height: clamp(200px, 28vw, 340px);
  object-fit: cover;
  display: block;
}
.hero h1 { color: #fff; }
.hero p.lede { font-size: 1.2rem; max-width: 700px; margin: 0 auto 2rem; color: #d8e1ef; }
.hero .btn-outline { border-color: #fff; color: #fff; }
.hero .btn-outline:hover { background: #fff; color: var(--navy); }
.hero-ctas { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

.eyebrow { display: inline-block; text-transform: uppercase; letter-spacing: 2px; font-size: .8rem; font-weight: 700; color: var(--accent-text); margin-bottom: 1rem; }
.hero .eyebrow { color: var(--accent); }

/* Grid / Cards */
.grid { display: grid; gap: 1.5rem; }
.grid-3 { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.grid-2 { grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); }
.grid-4 { grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }

.card {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius);
  padding: 1.75rem; transition: transform .15s, box-shadow .15s;
}
.card:hover { transform: translateY(-2px); box-shadow: var(--shadow-lg); }
.card h3 { color: var(--navy); }
.card a.card-link { display: inline-block; margin-top: .5rem; color: var(--accent-text); font-weight: 600; }
.card a.card-link::after { content: " →"; }

.blog-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 1.5rem; }
.blog-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 16px;
  overflow: hidden;
  box-shadow: var(--shadow);
}
.blog-card-image img {
  width: 100%;
  height: clamp(220px, 28vw, 280px);
  object-fit: cover;
}
.blog-card-body { padding: 1.5rem; }
.blog-card h3 { margin-bottom: .75rem; }
.blog-card h3 a { color: var(--navy); }
.blog-card h3 a:hover { color: var(--accent-dark); }
.blog-meta {
  display: flex;
  flex-wrap: wrap;
  gap: .75rem;
  margin-bottom: .9rem;
  color: var(--text-muted);
  font-size: .84rem;
  text-transform: uppercase;
  letter-spacing: .08em;
  font-weight: 700;
}
.blog-meta span {
  display: inline-flex;
  align-items: center;
  gap: .4rem;
}
.blog-meta span::before {
  content: "";
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--accent);
}
.article-layout { display: grid; grid-template-columns: minmax(0, 1.8fr) minmax(280px, .9fr); gap: 3rem; align-items: start; }
.article-layout .content { min-width: 0; }
.article-body h2 { margin-top: 2.4rem; }
.article-body h2:first-child { margin-top: 0; }
.article-body ol li, .article-body ul li { margin-bottom: .65rem; }
.article-sidebar .sidebar { position: sticky; top: 100px; }
.article-lead {
  font-size: 1.16rem;
  color: var(--text-muted);
  max-width: 56rem;
}
.tag-row {
  display: flex;
  flex-wrap: wrap;
  gap: .6rem;
  margin-top: 1rem;
}
.tag {
  display: inline-flex;
  align-items: center;
  padding: .45rem .8rem;
  border-radius: 999px;
  background: #eef4fb;
  color: var(--navy);
  font-size: .86rem;
  font-weight: 700;
}
.post-list {
  display: grid;
  gap: 1rem;
  padding: 0;
  margin: 0;
  list-style: none;
}
.post-list li {
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 1.25rem;
  background: #fff;
}
@media (max-width: 860px) {
  .article-layout { grid-template-columns: 1fr; gap: 2rem; }
}

.icon-circle {
  width: 56px; height: 56px; border-radius: 50%;
  background: var(--accent); color: var(--navy-dark);
  display: inline-flex; align-items: center; justify-content: center;
  font-size: 1.5rem; font-weight: 700; margin-bottom: 1rem;
}

/* Trust bar */
.trust-bar { background: var(--navy-dark); color: #fff; padding: 1rem 0; text-align: center; font-size: .9rem; letter-spacing: .5px; }
.trust-bar a { color: var(--accent); font-weight: 600; }

/* Section intro */
.section-intro { text-align: center; max-width: 720px; margin: 0 auto 3rem; }
.section-intro p { color: var(--text-muted); font-size: 1.1rem; }

/* CTA band */
.cta-band {
  background: var(--navy); color: #fff; padding: 3.5rem 0; text-align: center;
}
.cta-band h2 { color: #fff; }
.cta-band p { color: #d8e1ef; max-width: 600px; margin: 0 auto 2rem; }

/* Footer */
.site-footer {
  background: var(--navy-dark); color: #c8d1e0; padding: 3rem 0 1.5rem;
  font-size: .92rem;
}
.site-footer h3 { color: #fff; font-family: -apple-system, sans-serif; font-size: .95rem; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 1rem; }
.site-footer a { color: #c8d1e0; }
.site-footer a:hover { color: var(--accent); }
.footer-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 2rem; }
.footer-grid ul { list-style: none; padding: 0; }
.footer-grid li { margin-bottom: .5rem; }
.footer-bottom { border-top: 1px solid #1e3658; margin-top: 2.5rem; padding-top: 1.5rem; text-align: center; font-size: .85rem; color: #b8c4d6; }
.footer-bottom a { color: #fff; text-decoration: underline; }
.footer-bottom a:hover { color: var(--accent); }

/* Breadcrumbs */
.breadcrumbs { font-size: .9rem; color: var(--text-muted); padding: 1rem 0; }
.breadcrumbs a { color: var(--text-muted); }
.breadcrumbs a:hover { color: var(--navy); }
.breadcrumbs span[aria-current="page"] { color: var(--navy); font-weight: 600; }

/* Page header */
.page-header {
  background: var(--bg-alt); padding: 3rem 0 2.5rem;
  border-bottom: 1px solid var(--border);
}
.page-header h1 { margin-bottom: .5rem; }
.page-header .lede { color: var(--text-muted); font-size: 1.15rem; margin: 0; max-width: 720px; }

/* Content */
.content-grid { display: grid; grid-template-columns: minmax(0, 2fr) minmax(280px, 1fr); gap: 3rem; align-items: start; }
@media (max-width: 860px) { .content-grid { grid-template-columns: 1fr; } }
.content h2 { margin-top: 2.5rem; }
.content h2:first-child { margin-top: 0; }
.content ul li { margin-bottom: .5rem; }

.sidebar { background: var(--bg-alt); padding: 2rem; border-radius: var(--radius); position: sticky; top: 100px; }
.sidebar h3 { color: var(--navy); margin-top: 0; }
.sidebar .btn { width: 100%; margin-top: 1rem; }

/* Checklist */
.checklist { list-style: none; padding: 0; }
.checklist li { padding-left: 2rem; position: relative; margin-bottom: .75rem; }
.checklist li::before {
  content: "✓"; position: absolute; left: 0; top: 0;
  color: var(--accent-dark); font-weight: 700; font-size: 1.2rem;
}

/* Form */
.form { display: grid; gap: 1rem; max-width: 640px; }
.form label { font-weight: 600; font-size: .95rem; display: block; margin-bottom: .4rem; }
.form input, .form textarea, .form select {
  width: 100%; padding: .75rem; border: 1px solid var(--border);
  border-radius: var(--radius); font: inherit; background: #fff;
}
.form input:focus, .form textarea:focus, .form select:focus {
  outline: 2px solid var(--accent); outline-offset: 1px; border-color: var(--accent);
}
.form .required { color: #c0392b; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
@media (max-width: 600px) { .form-row { grid-template-columns: 1fr; } }

/* FAQ */
.faq details {
  border: 1px solid var(--border); border-radius: var(--radius);
  padding: 1rem 1.25rem; margin-bottom: .75rem; background: #fff;
}
.faq summary { font-weight: 600; cursor: pointer; color: var(--navy); }
.faq details[open] summary { margin-bottom: .75rem; }

/* Stat */
.stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 2rem; text-align: center; }
.stat .num { font-family: Georgia, serif; font-size: 2.5rem; color: var(--accent); font-weight: 700; display: block; line-height: 1; }
.stat .label { color: var(--text-muted); font-size: .95rem; text-transform: uppercase; letter-spacing: 1px; }

/* Utility */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
.visually-hidden { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); border: 0; }