:root{
  --bg:#f7f8fb;
  --surface:#ffffff;
  --surface-alt:#eef3f8;
  --text:#18212b;
  --muted:#5e6b78;
  --primary:#163f5f;
  --primary-2:#245f8c;
  --accent:#e39a2d;
  --accent-soft:#fff3df;
  --success:#2e7d5b;
  --danger:#a33a3a;
  --border:#dce3ea;
  --shadow:0 18px 45px rgba(16,38,58,.10);
  --radius:18px;
  --max:1120px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color:var(--text);
  background:var(--bg);
  line-height:1.65;
}
img{max-width:100%;display:block}
a{color:var(--primary-2)}
button,input,select,textarea{font:inherit}
.container{width:min(var(--max), calc(100% - 36px)); margin-inline:auto}
.narrow{width:min(780px, calc(100% - 36px)); margin-inline:auto}

.skip-link{
  position:absolute; left:-999px; top:auto;
}
.skip-link:focus{
  left:16px; top:16px; z-index:1000;
  background:#fff; padding:10px 14px; border-radius:8px;
}

.site-header{
  position:sticky; top:0; z-index:50;
  background:rgba(255,255,255,.94);
  backdrop-filter:blur(14px);
  border-bottom:1px solid rgba(220,227,234,.9);
}
.nav-wrap{
  min-height:72px;
  display:flex; align-items:center; justify-content:space-between; gap:18px;
}
.brand{
  display:flex; align-items:center; gap:11px;
  text-decoration:none; color:var(--text); font-weight:800;
}
.brand-mark{
  width:38px;height:38px;border-radius:12px;
  display:grid;place-items:center;
  background:linear-gradient(135deg,var(--primary),var(--primary-2));
  color:white;font-weight:900;
  box-shadow:0 8px 18px rgba(22,63,95,.24);
}
.nav-links{display:flex;align-items:center;gap:22px}
.nav-links a{
  text-decoration:none;color:var(--text);font-weight:650;font-size:.96rem;
}
.nav-links a:hover{color:var(--primary-2)}
.nav-toggle{
  display:none;border:0;background:transparent;font-size:1.55rem;cursor:pointer;
}

.hero{
  position:relative; overflow:hidden;
  padding:94px 0 78px;
  background:
    radial-gradient(circle at 85% 15%, rgba(227,154,45,.18), transparent 28%),
    radial-gradient(circle at 10% 15%, rgba(36,95,140,.16), transparent 30%),
    linear-gradient(180deg,#ffffff 0%,#f3f7fb 100%);
}
.hero-grid{
  display:grid;grid-template-columns:1.2fr .8fr;gap:54px;align-items:center;
}
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  padding:7px 12px;border-radius:999px;
  background:var(--accent-soft);color:#7d5114;font-weight:800;font-size:.84rem;
}
h1,h2,h3{line-height:1.15;margin-top:0}
h1{font-size:clamp(2.5rem,5vw,4.7rem);letter-spacing:-.045em;margin-bottom:22px}
h2{font-size:clamp(1.9rem,3.4vw,3rem);letter-spacing:-.03em}
h3{font-size:1.25rem}
.lead{font-size:1.17rem;color:var(--muted);max-width:730px}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:30px}
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  min-height:48px;padding:12px 19px;border-radius:12px;
  text-decoration:none;border:1px solid transparent;font-weight:800;cursor:pointer;
}
.btn-primary{background:var(--primary);color:#fff;box-shadow:0 10px 22px rgba(22,63,95,.2)}
.btn-primary:hover{background:#0f334f}
.btn-secondary{background:#fff;color:var(--primary);border-color:var(--border)}
.btn-secondary:hover{border-color:var(--primary-2)}
.btn-accent{background:var(--accent);color:#1d1d1d}
.microcopy{font-size:.9rem;color:var(--muted);margin-top:14px}

.hero-card{
  background:var(--surface);border:1px solid var(--border);
  border-radius:24px;padding:26px;box-shadow:var(--shadow);
}
.check-list{list-style:none;padding:0;margin:0;display:grid;gap:13px}
.check-list li{display:flex;gap:10px;align-items:flex-start}
.check-list li::before{
  content:"✓";flex:none;width:25px;height:25px;border-radius:50%;
  display:grid;place-items:center;background:#e6f5ee;color:var(--success);font-weight:900;
}

.section{padding:78px 0}
.section.alt{background:var(--surface)}
.section-head{max-width:760px;margin-bottom:34px}
.section-head p{color:var(--muted);font-size:1.05rem}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.card{
  background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);
  padding:25px;box-shadow:0 10px 26px rgba(16,38,58,.05);
}
.card p{color:var(--muted)}
.icon{
  width:46px;height:46px;border-radius:14px;display:grid;place-items:center;
  background:var(--surface-alt);font-size:1.35rem;margin-bottom:18px;
}
.kicker{font-size:.78rem;font-weight:900;text-transform:uppercase;letter-spacing:.08em;color:var(--primary-2)}
.path-card{
  display:flex;flex-direction:column;gap:8px;height:100%;
}
.path-card .btn{margin-top:auto;align-self:flex-start}
.warning-card{border-left:5px solid var(--danger)}
.good-card{border-left:5px solid var(--success)}

.trust-strip{
  background:var(--primary);color:#fff;padding:24px 0;
}
.trust-items{
  display:grid;grid-template-columns:repeat(3,1fr);gap:18px;text-align:center;font-weight:800;
}

.optin{
  background:linear-gradient(135deg,var(--primary),#0f2f49);
  color:#fff;border-radius:26px;padding:40px;box-shadow:var(--shadow);
}
.optin p{color:#dbe8f1}
.form-grid{display:grid;grid-template-columns:1fr 1fr auto;gap:12px;margin-top:22px}
.form-grid input,.form-grid select{
  min-height:50px;border:1px solid transparent;border-radius:11px;padding:0 14px;
}
.form-grid .btn{min-height:50px}
.form-note{font-size:.86rem;color:#c4d5e2;margin-top:12px}

.article-hero{
  padding:72px 0 42px;background:linear-gradient(180deg,#fff,#f3f7fb);
}
.article-wrap{
  background:#fff;border:1px solid var(--border);border-radius:22px;
  padding:clamp(24px,5vw,54px);box-shadow:var(--shadow);margin:34px auto 72px;
}
.article-wrap h2{margin-top:42px;font-size:1.7rem}
.article-wrap h3{margin-top:30px}
.callout{
  border-radius:15px;padding:18px 20px;margin:24px 0;
  background:var(--accent-soft);border:1px solid #f1d6aa;
}
.callout strong{color:#70470f}
.quote{
  font-size:1.2rem;font-weight:750;border-left:4px solid var(--accent);
  padding-left:18px;margin:30px 0;color:#314252;
}
.table-wrap{overflow-x:auto}
table{width:100%;border-collapse:collapse;margin:24px 0}
th,td{text-align:left;padding:13px;border-bottom:1px solid var(--border)}
th{background:var(--surface-alt)}
.badge{
  display:inline-block;padding:4px 9px;border-radius:999px;
  background:var(--surface-alt);font-size:.8rem;font-weight:800;
}

.cta-band{
  padding:64px 0;
  background:linear-gradient(135deg,#f6ead4,#fff7e9);
}
.cta-band .inner{
  display:flex;justify-content:space-between;align-items:center;gap:30px;
}

.site-footer{
  background:#101b25;color:#d6e0e7;padding:48px 0 24px;
}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:32px}
.footer-grid a{color:#d6e0e7;text-decoration:none}
.footer-grid a:hover{color:#fff}
.footer-title{color:#fff;font-weight:850}
.footer-bottom{
  margin-top:34px;padding-top:20px;border-top:1px solid rgba(255,255,255,.12);
  display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap;font-size:.9rem;
}

.notice{
  background:#fff8e9;border:1px solid #f2d7a7;border-radius:14px;padding:16px;
}
.small{font-size:.92rem;color:var(--muted)}
.social-links {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-top: 18px;
}

.social-links a {
  width: 42px;
  height: 42px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: 50%;
  color: #ffffff;
  background: rgba(255, 255, 255, 0.06);
  transition:
    background 0.2s ease,
    color 0.2s ease,
    transform 0.2s ease;
}

.social-links a:hover,
.social-links a:focus {
  background: #e3a43b;
  color: #101b25;
  transform: translateY(-2px);
}

.social-links svg {
  width: 21px;
  height: 21px;
  fill: currentColor;
}
@media (max-width:900px){
  .hero-grid,.grid-3,.grid-2,.trust-items,.footer-grid{grid-template-columns:1fr}
  .hero{padding-top:68px}
  .hero-card{max-width:600px}
  .form-grid{grid-template-columns:1fr}
  .cta-band .inner{flex-direction:column;align-items:flex-start}
  .nav-toggle{display:block}
  .nav-links{
    display:none;position:absolute;top:72px;left:0;right:0;
    background:white;padding:18px 24px;border-bottom:1px solid var(--border);
    flex-direction:column;align-items:flex-start;
  }
  .nav-links.open{display:flex}
}