:root {
  --navy: #062A52;
  --navy-dark: #021B38;
  --blue: #0C6CB3;
  --sky: #EAF7FF;
  --green: #21B847;
  --gold: #CFAE67;
  --text: #0B2447;
  --muted: #667085;
  --line: #D9E4EE;
  --white: #ffffff;
  --shadow: 0 18px 46px rgba(4, 42, 82, .14);
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: Inter, Arial, sans-serif; color: var(--text); background: #fff; line-height: 1.7; }
a { color: inherit; text-decoration: none; }
img { display: block; width: 100%; }
.container { width: min(1120px, 92%); margin: auto; }
.topbar { position: sticky; top: 0; z-index: 20; background: rgba(255,255,255,.96); border-bottom: 1px solid var(--line); backdrop-filter: blur(12px); }
.nav { height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.brand { font-weight: 800; letter-spacing: 1.6px; color: var(--navy); line-height: 1; }
.brand span { display: block; font-size: 11px; letter-spacing: 5px; margin-top: 6px; font-weight: 600; }
.navlinks { display: flex; align-items: center; gap: 20px; font-size: 12px; font-weight: 800; text-transform: uppercase; color: var(--navy); }
.navlinks a:hover { color: var(--blue); }
.nav-cta { display: inline-flex; align-items: center; justify-content: center; min-height: 42px; padding: 0 16px; border-radius: 7px; background: var(--green); color: #fff; font-weight: 900; }
.hero { color: #fff; background: linear-gradient(90deg, rgba(2,27,56,.92), rgba(6,42,82,.72), rgba(6,42,82,.3)), var(--hero) center/cover no-repeat; }
.hero-inner { min-height: 440px; display: grid; align-items: center; padding: 76px 0 84px; }
.breadcrumb { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 20px; color: rgba(255,255,255,.82); font-size: 13px; font-weight: 700; }
.breadcrumb a { color: #DDF5FF; }
.eyebrow { color: #DDF5FF; font-size: 13px; letter-spacing: 3px; text-transform: uppercase; font-weight: 900; margin-bottom: 14px; }
h1 { max-width: 980px; font-family: Georgia, "Times New Roman", serif; font-size: clamp(42px, 6vw, 78px); line-height: .98; font-weight: 600; margin-bottom: 20px; }
.hero p { max-width: 780px; font-size: clamp(17px, 2vw, 21px); color: rgba(255,255,255,.92); }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.btn { min-height: 52px; display: inline-flex; align-items: center; justify-content: center; padding: 0 22px; border-radius: 7px; font-weight: 900; letter-spacing: .2px; }
.btn-primary { background: var(--navy); color: #fff; }
.btn-green { background: var(--green); color: #fff; }
.btn-light { background: #fff; color: var(--navy); }
.section { padding: 76px 0; }
.section.alt { background: #F5FAFE; }
.section-label { color: var(--blue); text-transform: uppercase; letter-spacing: 2.5px; font-size: 12px; font-weight: 900; margin-bottom: 10px; }
h2 { font-size: clamp(30px, 4vw, 48px); line-height: 1.08; margin-bottom: 20px; color: var(--navy); }
h3 { font-size: 23px; line-height: 1.25; color: var(--navy); margin-bottom: 10px; }
.lead { max-width: 820px; color: var(--muted); font-size: 18px; margin-bottom: 28px; }
.grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.grid.two { grid-template-columns: repeat(2, 1fr); }
.card { border: 1px solid var(--line); border-radius: 8px; padding: 24px; background: #fff; box-shadow: 0 10px 30px rgba(4,42,82,.06); }
.card strong, .metric strong { display: block; font-size: 30px; color: var(--navy); line-height: 1; margin-bottom: 8px; }
.metric-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; margin-top: 28px; }
.metric { background: #fff; border: 1px solid var(--line); border-radius: 8px; padding: 20px; }
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: 8px; background: #fff; box-shadow: var(--shadow); }
table { width: 100%; border-collapse: collapse; min-width: 720px; }
th, td { text-align: left; padding: 16px 18px; border-bottom: 1px solid var(--line); vertical-align: top; }
th { background: var(--navy); color: #fff; font-size: 13px; text-transform: uppercase; letter-spacing: .8px; }
tr:last-child td { border-bottom: 0; }
.split { display: grid; grid-template-columns: 1fr .85fr; gap: 40px; align-items: center; }
.media { border-radius: 8px; overflow: hidden; box-shadow: var(--shadow); }
.list { display: grid; gap: 14px; margin-top: 20px; }
.list li { margin-left: 20px; color: var(--muted); }
.links { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 24px; }
.pill { border: 1px solid var(--line); border-radius: 999px; padding: 9px 14px; color: var(--navy); background: #fff; font-weight: 800; font-size: 13px; }
.article { max-width: 860px; margin: auto; }
.article p { margin: 0 0 20px; color: #334155; font-size: 18px; }
.article h2 { margin-top: 38px; }
.article ul { margin: 0 0 24px 24px; color: #334155; font-size: 17px; }
.toc { border: 1px solid var(--line); border-radius: 8px; padding: 22px; background: #fff; margin-bottom: 34px; }
.toc a { display: block; color: var(--blue); font-weight: 800; margin-top: 8px; }
.cta-band { background: var(--navy); color: #fff; padding: 56px 0; }
.cta-band h2 { color: #fff; }
.cta-band p { color: rgba(255,255,255,.82); max-width: 740px; margin-bottom: 24px; }
.faq-list { display: grid; gap: 12px; }
details { border: 1px solid var(--line); border-radius: 8px; padding: 18px 20px; background: #fff; }
summary { cursor: pointer; font-weight: 900; color: var(--navy); }
details p { color: var(--muted); margin-top: 10px; }
.footer { background: var(--navy-dark); color: #fff; padding: 44px 0; }
.footer-grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr; gap: 30px; }
.footer-title { font-weight: 900; letter-spacing: 1px; margin-bottom: 12px; }
.footer a, .footer p { display: block; color: rgba(255,255,255,.78); margin: 8px 0; }
@media (max-width: 920px) {
  .nav { height: auto; padding: 16px 0; align-items: flex-start; }
  .navlinks { display: none; }
  .grid, .grid.two, .split, .metric-row, .footer-grid { grid-template-columns: 1fr; }
  .hero-inner { min-height: 380px; padding: 58px 0 64px; }
}