:root {
    --navy: #121a26;
    --navy-deep: #0c121b;
    --navy-soft: #1c2736;
    --ink: #1a2330;
    --text: #3b4654;
    --muted: #6b7583;
    --line: #dfe3e8;
    --line-strong: #c8ced6;
    --paper: #f4f5f7;
    --white: #ffffff;
    --blue: #1d4e89;
    --blue-hover: #163b68;
    --green: #2c6a4f;
    --focus: #1d4e89;
    --danger: #8a2b2b;
    --ok: #1f5c3d;
    --shadow: 0 1px 2px rgba(18, 26, 38, 0.05), 0 10px 28px rgba(18, 26, 38, 0.05);
    --radius: 8px;
    --header-h: 76px;
    --max: 1120px;
    --font: "Segoe UI", Inter, "Helvetica Neue", Arial, sans-serif;
}

*,
*::before,
*::after {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

@media (prefers-reduced-motion: reduce) {
    html {
        scroll-behavior: auto;
    }

    *,
    *::before,
    *::after {
        animation: none !important;
        transition: none !important;
        scroll-behavior: auto !important;
    }
}

body {
    margin: 0;
    font-family: var(--font);
    font-size: 1.02rem;
    line-height: 1.65;
    color: var(--text);
    background: var(--white);
    min-height: 100vh;
}

#main {
    min-height: calc(100vh - 22rem);
}

img,
svg {
    max-width: 100%;
    height: auto;
}

a {
    color: var(--blue);
    text-decoration-thickness: 1px;
    text-underline-offset: 0.16em;
}

a:hover {
    color: var(--blue-hover);
}

:focus-visible {
    outline: 2px solid var(--focus);
    outline-offset: 3px;
}

.skip-link {
    position: absolute;
    left: 12px;
    top: -48px;
    z-index: 200;
    background: var(--navy);
    color: var(--white);
    padding: 0.5rem 0.85rem;
}

.skip-link:focus {
    top: 12px;
    color: var(--white);
}

.container {
    width: min(var(--max), calc(100% - 2.4rem));
    margin-inline: auto;
}

.section {
    padding: 4.5rem 0;
}

.section-muted {
    background: var(--paper);
}

.section-navy {
    background: var(--navy);
    color: #d7dde6;
}

.section-navy h2,
.section-navy h3 {
    color: var(--white);
}

.eyebrow {
    display: inline-block;
    margin: 0 0 0.75rem;
    font-size: 0.78rem;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--blue);
}

.section-navy .eyebrow {
    color: #9eb6d4;
}

h1,
h2,
h3,
h4 {
    color: var(--ink);
    line-height: 1.22;
    font-weight: 600;
    letter-spacing: -0.02em;
}

h1 {
    font-size: clamp(2rem, 4vw, 3.15rem);
    margin: 0 0 1rem;
}

h2 {
    font-size: clamp(1.5rem, 2.6vw, 2rem);
    margin: 0 0 1rem;
}

h3 {
    font-size: 1.15rem;
    margin: 0 0 0.55rem;
}

p {
    margin: 0 0 1rem;
}

.lead {
    font-size: 1.12rem;
    color: var(--muted);
    max-width: 42rem;
}

.site-header {
    position: sticky;
    top: 0;
    z-index: 100;
    background: rgba(255, 255, 255, 0.96);
    border-bottom: 1px solid transparent;
    border-top: 3px solid var(--navy);
}

body.nav-open {
    overflow: hidden;
}

.site-header.is-scrolled {
    border-bottom-color: var(--line);
    box-shadow: 0 8px 24px rgba(18, 26, 38, 0.04);
}

.header-inner {
    display: flex;
    align-items: center;
    min-height: var(--header-h);
    gap: 1.25rem;
}

.brand {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    text-decoration: none;
    color: inherit;
    min-width: 0;
}

.brand:hover {
    color: inherit;
}

.brand-mark {
    display: grid;
    place-items: center;
    width: 40px;
    height: 40px;
    flex-shrink: 0;
    background: var(--navy);
    color: var(--white);
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.04em;
}

.brand-text {
    display: flex;
    flex-direction: column;
    min-width: 0;
}

.brand-name {
    font-weight: 700;
    color: var(--ink);
    font-size: 1.02rem;
    letter-spacing: -0.02em;
    line-height: 1.2;
}

.brand-tag {
    font-size: 0.68rem;
    color: var(--muted);
    letter-spacing: 0.01em;
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
}

.site-nav {
    margin-left: auto;
}

.nav-list {
    display: flex;
    align-items: center;
    gap: 0.15rem;
    list-style: none;
    margin: 0;
    padding: 0;
}

.nav-list a {
    display: block;
    padding: 0.45rem 0.55rem;
    color: var(--ink);
    text-decoration: none;
    font-size: 0.92rem;
    font-weight: 600;
}

.nav-list a:hover,
.nav-list a[aria-current="page"] {
    color: var(--blue);
}

.header-actions {
    display: flex;
    align-items: center;
    gap: 0.65rem;
}

.menu-toggle {
    display: none;
    width: 44px;
    height: 44px;
    border: 1px solid var(--line);
    background: var(--white);
    border-radius: 6px;
    cursor: pointer;
    padding: 0;
}

.menu-toggle-bars,
.menu-toggle-bars::before,
.menu-toggle-bars::after {
    display: block;
    width: 18px;
    height: 2px;
    background: var(--ink);
    position: relative;
    margin: 0 auto;
}

.menu-toggle-bars::before,
.menu-toggle-bars::after {
    content: "";
    position: absolute;
    left: 0;
}

.menu-toggle-bars::before {
    top: -6px;
}

.menu-toggle-bars::after {
    top: 6px;
}

.menu-toggle[aria-expanded="true"] .menu-toggle-bars {
    background: transparent;
}

.menu-toggle[aria-expanded="true"] .menu-toggle-bars::before {
    top: 0;
    transform: rotate(45deg);
}

.menu-toggle[aria-expanded="true"] .menu-toggle-bars::after {
    top: 0;
    transform: rotate(-45deg);
}

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 46px;
    padding: 0.65rem 1.15rem;
    border-radius: 6px;
    border: 1px solid transparent;
    font: inherit;
    font-size: 0.95rem;
    font-weight: 600;
    text-decoration: none;
    cursor: pointer;
}

.btn-primary {
    background: var(--blue);
    color: var(--white);
}

.btn-primary:hover {
    background: var(--blue-hover);
    color: var(--white);
}

.btn-secondary {
    background: transparent;
    color: var(--ink);
    border-color: var(--line-strong);
}

.btn-secondary:hover {
    border-color: var(--navy);
    color: var(--navy);
}

.section-navy .btn-secondary {
    color: var(--white);
    border-color: #5d6d82;
}

.section-navy .btn-secondary:hover {
    border-color: var(--white);
    color: var(--white);
}

.btn-row {
    display: flex;
    flex-wrap: wrap;
    gap: 0.75rem;
    margin-top: 1.5rem;
}

.hero {
    padding: 4.25rem 0 4.75rem;
    background: linear-gradient(180deg, #f7f8fa 0%, #ffffff 72%);
    border-bottom: 1px solid var(--line);
}

.hero-grid {
    display: grid;
    grid-template-columns: minmax(0, 1.15fr) minmax(280px, 0.85fr);
    gap: 3.5rem;
    align-items: center;
}

.hero h1 {
    max-width: 18ch;
}

.hero .lead {
    max-width: 38rem;
}

.research-panel {
    background: var(--navy);
    color: #c9d3df;
    padding: 1.5rem 1.5rem 1.25rem;
    box-shadow: var(--shadow);
}

.research-panel header {
    display: flex;
    justify-content: space-between;
    align-items: baseline;
    margin-bottom: 1.15rem;
    border-bottom: 1px solid #2a3648;
    padding-bottom: 0.75rem;
}

.research-panel h2 {
    margin: 0;
    color: var(--white);
    font-size: 0.92rem;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    font-weight: 600;
}

.research-panel .panel-ref {
    font-size: 0.75rem;
    color: #8b9aaf;
}

.research-row {
    display: grid;
    grid-template-columns: 28px 1fr;
    gap: 0.75rem;
    padding: 0.7rem 0;
    border-bottom: 1px solid #243041;
}

.research-row:last-child {
    border-bottom: 0;
}

.research-index {
    font-size: 0.75rem;
    color: #8aa0bc;
    padding-top: 0.15rem;
}

.research-row strong {
    display: block;
    color: var(--white);
    font-size: 0.95rem;
    margin-bottom: 0.15rem;
}

.research-row p {
    margin: 0;
    font-size: 0.88rem;
    color: #a8b4c3;
}

.intro-grid,
.split-grid,
.card-grid,
.faq-grid {
    display: grid;
    gap: 1.25rem;
}

.intro-grid {
    grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
    gap: 3rem;
    align-items: start;
}

.card-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.card-grid.two {
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.card {
    background: var(--white);
    border: 1px solid var(--line);
    padding: 1.4rem 1.35rem 1.3rem;
    box-shadow: var(--shadow);
    height: 100%;
}

.card h2 {
    font-size: 1.2rem;
}

.card h3 {
    margin-top: 0.15rem;
}

.card .btn {
    margin-top: 0.35rem;
}

.card p:last-child {
    margin-bottom: 0;
}

.card-link {
    display: inline-block;
    margin-top: 0.85rem;
    font-weight: 600;
    text-decoration: none;
}

.price-line,
.price-amount {
    font-weight: 700;
    color: var(--ink);
}

.price-amount {
    font-size: 1.35rem;
    margin: 0.35rem 0 0.85rem;
}

.price-card .include-list {
    margin: 0 0 0.5rem;
    font-size: 0.95rem;
}

.why-list {
    list-style: none;
    margin: 0;
    padding: 0;
    display: grid;
    gap: 1rem;
}

.why-list li {
    padding-left: 1.1rem;
    border-left: 2px solid var(--blue);
}

.why-list strong {
    display: block;
    color: var(--ink);
    margin-bottom: 0.2rem;
}

.steps {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 1rem;
    counter-reset: step;
}

.steps article {
    background: var(--white);
    border: 1px solid var(--line);
    padding: 1.2rem;
}

.steps article::before {
    counter-increment: step;
    content: counter(step, decimal-leading-zero);
    display: block;
    font-size: 0.8rem;
    letter-spacing: 0.08em;
    color: var(--blue);
    font-weight: 700;
    margin-bottom: 0.55rem;
}

.notice,
.disclaimer {
    border: 1px solid var(--line);
    background: #fbf8f3;
    padding: 1.15rem 1.2rem;
}

.disclaimer {
    background: var(--paper);
}

.notice p,
.disclaimer p {
    margin-bottom: 0;
}

.page-hero {
    padding: 2.6rem 0 2.2rem;
    background: var(--paper);
    border-bottom: 1px solid var(--line);
}

.breadcrumb {
    margin: 0 0 0.85rem;
    font-size: 0.88rem;
    color: var(--muted);
}

.breadcrumb ol {
    display: flex;
    flex-wrap: wrap;
    gap: 0.35rem;
    list-style: none;
    margin: 0;
    padding: 0;
}

.breadcrumb li:not(:last-child)::after {
    content: "/";
    margin-left: 0.35rem;
    color: var(--line-strong);
}

.breadcrumb a {
    color: var(--muted);
    text-decoration: none;
}

.breadcrumb a:hover {
    color: var(--blue);
}

.prose {
    max-width: 46rem;
}

.prose h2 {
    margin-top: 2.4rem;
}

.prose ul,
.prose ol {
    padding-left: 1.2rem;
}

.prose li + li {
    margin-top: 0.35rem;
}

.placeholder {
    font-style: italic;
    color: var(--muted);
}

.policy-index {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 1rem;
}

.cta-band {
    padding: 3.5rem 0;
    background: var(--navy);
    color: #c9d3df;
}

.cta-band h2 {
    color: var(--white);
}

.site-footer {
    background: var(--navy-deep);
    color: #b7c0cc;
    padding: 3.4rem 0 1.6rem;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.3fr 0.8fr 1fr 0.9fr;
    gap: 2rem 1.5rem;
    padding-bottom: 2.2rem;
    border-bottom: 1px solid #243041;
}

.footer-brand {
    margin: 0 0 0.75rem;
    color: var(--white);
    font-weight: 700;
    font-size: 1.05rem;
}

.footer-heading {
    margin: 0 0 0.85rem;
    color: var(--white);
    font-size: 0.86rem;
    letter-spacing: 0.08em;
    text-transform: uppercase;
}

.footer-links {
    list-style: none;
    margin: 0;
    padding: 0;
}

.footer-links a {
    display: inline-block;
    padding: 0.22rem 0;
    color: #b7c0cc;
    text-decoration: none;
    font-size: 0.92rem;
}

.footer-links a:hover {
    color: var(--white);
}

.card .footer-links a {
    color: var(--blue);
}

.card .footer-links a:hover {
    color: var(--blue-hover);
}

.footer-bottom {
    padding-top: 1.3rem;
    font-size: 0.9rem;
}

.footer-bottom p {
    margin-bottom: 0.45rem;
}

.footer-disclaimer {
    color: #8f9aaa;
}

.footer-contact-line a {
    color: #c5ced8;
    text-decoration: none;
}

.form {
    display: grid;
    gap: 1rem;
    max-width: 38rem;
}

.form-row {
    display: grid;
    gap: 0.35rem;
}

.form-row.two {
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
}

label {
    font-weight: 600;
    color: var(--ink);
    font-size: 0.92rem;
}

.req {
    color: var(--danger);
}

input[type="text"],
input[type="email"],
input[type="tel"],
select,
textarea {
    width: 100%;
    border: 1px solid var(--line-strong);
    border-radius: 6px;
    padding: 0.7rem 0.8rem;
    font: inherit;
    color: var(--ink);
    background: var(--white);
}

textarea {
    min-height: 150px;
    resize: vertical;
}

.hp {
    position: absolute;
    left: -9999px;
    width: 1px;
    height: 1px;
    overflow: hidden;
}

.form-error,
.form-success {
    padding: 0.85rem 1rem;
    border: 1px solid var(--line);
}

.form-error {
    background: #f8eeee;
    color: var(--danger);
}

.form-success {
    background: #eef6f1;
    color: var(--ok);
}

.form-errors {
    margin: 0;
    padding-left: 1.1rem;
}

.contact-aside {
    background: var(--paper);
    border: 1px solid var(--line);
    padding: 1.4rem;
}

.contact-aside dt {
    font-size: 0.78rem;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--muted);
    margin-top: 1rem;
}

.contact-aside dt:first-child {
    margin-top: 0;
}

.contact-aside dd {
    margin: 0.25rem 0 0;
    color: var(--ink);
}

.faq-item {
    border: 1px solid var(--line);
    background: var(--white);
}

.faq-item + .faq-item {
    margin-top: 0.65rem;
}

.faq-item h2,
.faq-item h3 {
    margin: 0;
}

.faq-item button {
    width: 100%;
    text-align: left;
    background: none;
    border: 0;
    padding: 1rem 1.15rem;
    font: inherit;
    font-weight: 600;
    color: var(--ink);
    cursor: pointer;
}

.faq-item button::after {
    content: "+";
    float: right;
    color: var(--muted);
    font-weight: 500;
}

.faq-item button[aria-expanded="true"]::after {
    content: "–";
}

.faq-panel {
    padding: 0 1.15rem 1.05rem;
}

.faq-panel[hidden] {
    display: none;
}

.detail-layout {
    display: grid;
    grid-template-columns: minmax(0, 1.5fr) minmax(240px, 0.7fr);
    gap: 2.5rem;
    align-items: start;
}

.side-box {
    position: sticky;
    top: calc(var(--header-h) + 1rem);
    border: 1px solid var(--line);
    padding: 1.25rem;
    background: var(--paper);
}

.include-list,
.exclude-list {
    padding-left: 1.15rem;
}

.error-page {
    text-align: center;
    padding: 5rem 0 5.5rem;
}

.error-page .lead {
    margin-inline: auto;
}

.error-page .btn-row {
    justify-content: center;
}

.error-page h1 {
    max-width: none;
}

.mt-md {
    margin-top: 1.25rem;
}

.mt-lg {
    margin-top: 1.75rem;
}

.visually-hidden {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}