:root {
  --blue: #0b78c8;
  --blue-light: #3f9de0;
  --navy: #16205e;
  --ink: #16202b;
  --muted: #5a6b7b;
  --line: #e2e8ef;
  --bg: #ffffff;
  --bg-alt: #f5f9fc;
  --radius: 12px;
  --wrap: 1080px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font: 16px/1.65 -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }

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

.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 20px; }

.skip {
  position: absolute; left: -9999px;
}
.skip:focus {
  left: 12px; top: 12px; z-index: 99;
  background: #fff; padding: 8px 12px; border-radius: 8px;
}

/* ---------- header ---------- */
.site-header {
  border-bottom: 1px solid var(--line);
  background: #fff;
  position: sticky;
  top: 0;
  z-index: 20;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding-top: 12px;
  padding-bottom: 12px;
  flex-wrap: wrap;
}

.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  color: inherit;
  min-width: 0;
}

.brand-logo { height: 46px; width: auto; }

.brand-text { display: flex; flex-direction: column; line-height: 1.25; min-width: 0; }
.brand-text strong { font-size: 15px; color: var(--navy); }
.brand-sub { font-size: 12px; color: var(--muted); }

.nav { display: flex; gap: 18px; flex-wrap: wrap; }
.nav a {
  text-decoration: none;
  color: var(--ink);
  font-size: 15px;
  font-weight: 500;
}
.nav a:hover { color: var(--blue); }

/* ---------- hero ---------- */
.hero { border-bottom: 1px solid var(--line); }

.hero-cover-wrap {
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 20px;
}
.hero-cover {
  width: 100%;
  height: auto;
  border-radius: var(--radius);
  margin-top: 24px;
  box-shadow: 0 10px 30px rgba(22, 32, 94, 0.10);
}

.hero-body { padding-top: 32px; padding-bottom: 48px; }

.eyebrow {
  text-transform: uppercase;
  letter-spacing: .08em;
  font-size: 12px;
  font-weight: 700;
  color: var(--blue);
  margin: 0 0 8px;
}

.hero h1 {
  font-size: clamp(32px, 5vw, 46px);
  line-height: 1.1;
  margin: 0 0 12px;
  color: var(--navy);
}

.lede { font-size: 18px; color: var(--muted); max-width: 62ch; margin: 0 0 24px; }

.cta-row { display: flex; gap: 12px; flex-wrap: wrap; margin: 0; }

.btn {
  display: inline-block;
  padding: 11px 20px;
  border-radius: 999px;
  text-decoration: none;
  font-weight: 600;
  font-size: 15px;
  border: 1px solid transparent;
}
.btn-primary { background: var(--blue); color: #fff; }
.btn-primary:hover { background: #0967ad; }
.btn-ghost { border-color: var(--blue); color: var(--blue); background: #fff; }
.btn-ghost:hover { background: #f0f7fd; }

/* ---------- sections ---------- */
.section { padding: 56px 0; }
.section-alt { background: var(--bg-alt); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }

.section h2 {
  font-size: 26px;
  margin: 0 0 16px;
  color: var(--navy);
}
.section p { max-width: 70ch; }

.facts {
  margin: 24px 0 0;
  display: grid;
  gap: 12px 32px;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
}
.facts div { border-left: 3px solid var(--blue); padding-left: 12px; }
.facts dt { font-size: 12px; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); font-weight: 700; }
.facts dd { margin: 2px 0 0; font-weight: 600; }

.cards {
  display: grid;
  gap: 18px;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  margin-top: 24px;
}
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 20px;
}
.card h3 { margin: 0 0 8px; font-size: 17px; color: var(--navy); }
.card p { margin: 0; color: var(--muted); font-size: 15px; }

.contact-grid {
  display: grid;
  gap: 28px;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  margin-top: 20px;
}
.contact-grid h3 { margin: 0 0 8px; font-size: 16px; color: var(--navy); }
.contact-grid address { font-style: normal; color: var(--muted); }
.contact-grid p { margin: 0; color: var(--muted); }

/* ---------- legal pages ---------- */
.legal { padding: 48px 0 64px; }
.legal h1 { font-size: 32px; color: var(--navy); margin: 0 0 6px; }
.legal h2 { font-size: 19px; color: var(--navy); margin: 32px 0 8px; }
.legal p, .legal li { max-width: 76ch; }
.legal ul { padding-left: 22px; }
.legal .updated { color: var(--muted); font-size: 14px; margin-top: 0; }
.legal .note {
  background: var(--bg-alt);
  border: 1px solid var(--line);
  border-left: 3px solid var(--blue);
  border-radius: 8px;
  padding: 12px 16px;
  font-size: 14px;
  color: var(--muted);
}

/* ---------- footer ---------- */
.site-footer {
  border-top: 1px solid var(--line);
  background: #fff;
  padding: 24px 0;
}
.footer-inner {
  display: flex;
  gap: 12px 24px;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  color: var(--muted);
  font-size: 14px;
}
.footer-inner p { margin: 0; }
.footer-inner nav { display: flex; gap: 16px; flex-wrap: wrap; }
.footer-inner a { text-decoration: none; }
.footer-inner a:hover { text-decoration: underline; }