:root {
  --brand: #0878bd;
  --brand-dark: #07507f;
  --accent: #bdd500;
  --ink: #162434;
  --muted: #526476;
  --line: #dbe5ec;
  --soft: #eef7fb;
  --white: #fff;
  --shadow: 0 18px 48px rgba(20, 67, 96, .12);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.7;
}
a { color: var(--brand-dark); text-underline-offset: .18em; }
a:hover { color: var(--brand); }
img { max-width: 100%; height: auto; }
.skip-link { position: fixed; top: .5rem; left: .5rem; z-index: 50; padding: .65rem 1rem; background: var(--ink); color: white; transform: translateY(-160%); }
.skip-link:focus { transform: none; }
.site-header { position: sticky; top: 0; z-index: 20; background: rgba(255,255,255,.96); border-bottom: 1px solid var(--line); backdrop-filter: blur(14px); }
.header-inner, .container { width: min(1120px, calc(100% - 2rem)); margin-inline: auto; }
.header-inner { min-height: 72px; display: flex; align-items: center; justify-content: space-between; gap: 1.25rem; }
.brand { display: inline-flex; align-items: center; gap: .7rem; color: var(--ink); text-decoration: none; font-weight: 800; letter-spacing: -.02em; }
.brand img { width: 48px; height: 48px; object-fit: contain; }
.site-nav { display: flex; flex-wrap: wrap; justify-content: flex-end; gap: .3rem .9rem; font-size: .94rem; }
.site-nav a { color: var(--ink); text-decoration: none; font-weight: 650; }
.site-nav .nav-cta { color: white; background: var(--brand); padding: .4rem .8rem; border-radius: 999px; }
.breadcrumb { padding: 1rem 0 0; font-size: .9rem; color: var(--muted); }
.breadcrumb ol { display: flex; flex-wrap: wrap; gap: .45rem; margin: 0; padding: 0; list-style: none; }
.breadcrumb li + li::before { content: "/"; margin-right: .45rem; color: #98a7b5; }
.hero { padding: clamp(3.5rem, 8vw, 7rem) 0 3.5rem; background: radial-gradient(circle at 85% 12%, rgba(189,213,0,.2), transparent 30%), linear-gradient(150deg, #f7fcff, #e9f6fc); }
.eyebrow { margin: 0 0 .65rem; color: var(--brand-dark); font-size: .83rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
h1, h2, h3 { line-height: 1.18; letter-spacing: -.025em; }
h1 { max-width: 900px; margin: 0; font-size: clamp(2.25rem, 6vw, 4.6rem); }
h2 { margin: 0 0 1rem; font-size: clamp(1.65rem, 3vw, 2.35rem); }
h3 { margin: 0 0 .5rem; font-size: 1.15rem; }
.lead { max-width: 790px; margin: 1.25rem 0 0; color: #344b5f; font-size: clamp(1.06rem, 2vw, 1.28rem); }
.hero-actions { display: flex; flex-wrap: wrap; gap: .75rem; margin-top: 1.7rem; }
.button { display: inline-flex; align-items: center; justify-content: center; padding: .78rem 1.1rem; border: 1px solid var(--brand); border-radius: .75rem; background: var(--brand); color: white; text-decoration: none; font-weight: 750; }
.button.secondary { background: white; color: var(--brand-dark); }
.section { padding: clamp(3rem, 7vw, 5.5rem) 0; }
.section.soft { background: var(--soft); }
.prose { max-width: 820px; }
.prose p, .prose li { color: #30465a; }
.direct-answer { margin: 1.5rem 0 0; padding: 1.25rem 1.35rem; border-left: 5px solid var(--accent); border-radius: .4rem .9rem .9rem .4rem; background: white; box-shadow: var(--shadow); }
.direct-answer strong { color: var(--brand-dark); }
.grid { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 1rem; }
.grid.two { grid-template-columns: repeat(2, minmax(0,1fr)); }
.card { display: block; padding: 1.25rem; border: 1px solid var(--line); border-radius: 1rem; background: white; color: inherit; text-decoration: none; box-shadow: 0 7px 22px rgba(30,76,103,.07); }
.card p { margin: .4rem 0 0; color: var(--muted); }
.steps { counter-reset: step; display: grid; gap: 1rem; padding: 0; list-style: none; }
.steps li { position: relative; padding: 1rem 1rem 1rem 4rem; border: 1px solid var(--line); border-radius: .9rem; background: white; }
.steps li::before { counter-increment: step; content: counter(step); position: absolute; left: 1rem; top: 1rem; width: 2rem; height: 2rem; display: grid; place-items: center; border-radius: 50%; background: var(--brand); color: white; font-weight: 800; }
.notice { padding: 1rem 1.15rem; border: 1px solid #f0d28c; border-radius: .8rem; background: #fff9e9; }
.fact-list { padding: 0; list-style: none; }
.fact-list li { padding: .8rem 0; border-bottom: 1px solid var(--line); }
details { padding: 1rem 0; border-bottom: 1px solid var(--line); }
summary { cursor: pointer; color: var(--ink); font-weight: 750; }
details p { margin-bottom: 0; }
.updated { color: var(--muted); font-size: .9rem; }
.cta { padding: 2rem; border-radius: 1.25rem; background: var(--brand-dark); color: white; }
.cta p { color: #deedf7; }
.cta .button { background: var(--accent); border-color: var(--accent); color: #173047; }
.site-footer { padding: 2.5rem 0; background: #10283a; color: #d7e4ec; }
.site-footer a { color: white; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr; gap: 1.5rem; }
.footer-grid p { margin: .4rem 0; }
.footer-links { list-style: none; margin: 0; padding: 0; }
.footer-links li { margin: .35rem 0; }

@media (max-width: 820px) {
  .header-inner { align-items: flex-start; flex-direction: column; padding-block: .75rem; }
  .site-nav { justify-content: flex-start; }
  .grid, .grid.two, .footer-grid { grid-template-columns: 1fr; }
  .hero { padding-top: 2.8rem; }
}

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