:root {
  --navy: #0F2B54;
  --blue: #024A9A;
  --accent: #2E5E9E;
  --ink: #1C1C24;
  --muted: #5A5F6B;
  --paper: #FDFDFE;
  --line: #DCE2EC;
  --serif: Georgia, "Times New Roman", serif;
  --sans: system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: #fff;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }

.container { max-width: 1100px; margin: 0 auto; padding: 0 24px; }

/* Header */
.site-header {
  background: var(--navy);
  color: #fff;
  border-bottom: 3px solid var(--accent);
}
.site-header .container {
  display: flex; align-items: center; justify-content: space-between;
  gap: 20px; padding-top: 14px; padding-bottom: 14px; flex-wrap: wrap;
}
.brand { display: flex; align-items: center; gap: 12px; }
.brand img { height: 44px; width: 44px; border-radius: 4px; }
.brand-name { font-family: var(--serif); font-size: 20px; font-weight: 700; color: #fff; }
.brand-name small { display: block; font-family: var(--sans); font-size: 12px; font-weight: 400; color: #C7D3E4; letter-spacing: .4px; }
.brand a:hover { text-decoration: none; }

.main-nav ul { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 6px; }
.main-nav a {
  display: block; padding: 7px 11px; border-radius: 5px;
  color: #E4EBF5; font-size: 15px; font-weight: 500;
}
.main-nav a:hover { background: rgba(255,255,255,.09); text-decoration: none; }
.main-nav a.active { background: var(--accent); color: #fff; }

/* Sections */
section { padding: 56px 0; }
.section-soft { background: var(--paper); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }

h1, h2, h3, h4 { font-family: var(--serif); line-height: 1.25; color: var(--navy); }
h1 { font-size: 42px; margin: 0 0 16px; }
h2 { font-size: 30px; margin: 0 0 18px; }
h3 { font-size: 21px; margin: 28px 0 8px; }
p { margin: 12px 0; }
ul { margin: 12px 0; padding-left: 22px; }
li { margin: 6px 0; }
.muted { color: var(--muted); }
.small { font-size: 14px; }

/* Hero */
.hero { background: var(--navy); color: #fff; padding: 72px 0; }
.hero .kicker {
  color: #9DB8D8; font-size: 14px; text-transform: uppercase; letter-spacing: 2px; margin: 0 0 14px;
}
.hero h1 { color: #fff; font-size: 46px; margin-bottom: 18px; }
.hero p.lead { color: #DDE6F2; font-size: 20px; max-width: 760px; }
.hero .cta { margin-top: 28px; display: flex; gap: 12px; flex-wrap: wrap; }

.btn {
  display: inline-block; padding: 13px 22px; border-radius: 6px;
  font-weight: 600; font-size: 16px; text-decoration: none;
}
.btn:hover { text-decoration: none; opacity: .92; }
.btn-primary { background: var(--accent); color: #fff; }
.btn-outline { background: transparent; color: #fff; border: 1px solid #8FA7C4; }
.btn-outline:hover { background: rgba(255,255,255,.08); }
.btn-light { background: #fff; color: var(--navy); }

/* Cards */
.grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 22px; margin-top: 8px; }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: 8px;
  padding: 26px; box-shadow: 0 1px 2px rgba(15,43,84,.05);
}
.card h3 { margin-top: 0; }
.card .card-num { color: var(--accent); font-family: var(--serif); font-size: 14px; letter-spacing: 1px; }

/* Steps */
.steps { counter-reset: step; list-style: none; padding: 0; margin: 8px 0 0; }
.steps li { counter-increment: step; padding: 16px 0 16px 48px; position: relative; border-bottom: 1px solid var(--line); }
.steps li:last-child { border-bottom: 0; }
.steps li::before {
  content: counter(step);
  position: absolute; left: 0; top: 16px;
  width: 32px; height: 32px; border-radius: 50%;
  background: var(--navy); color: #fff; font-family: var(--serif);
  display: flex; align-items: center; justify-content: center; font-size: 16px;
}

/* FAQ */
details { border: 1px solid var(--line); border-radius: 8px; margin: 12px 0; background: #fff; }
summary {
  cursor: pointer; padding: 16px 20px; font-weight: 600; color: var(--navy);
  font-family: var(--serif); font-size: 18px; list-style: none;
}
summary::-webkit-details-marker { display: none; }
summary::before { content: "› "; color: var(--accent); }
details[open] summary::before { content: "⌄ "; }
details .body { padding: 0 20px 18px; }

/* Tables */
table { border-collapse: collapse; width: 100%; margin: 14px 0; background: #fff; }
th, td { border: 1px solid var(--line); padding: 10px 12px; text-align: left; font-size: 15px; }
th { background: var(--paper); color: var(--navy); }

/* Checkboxes / lists */
.plain { padding-left: 0; list-style: none; }
.plain li { padding-left: 26px; position: relative; }
.plain li::before { content: "✓"; position: absolute; left: 0; color: var(--accent); font-weight: 700; }

/* Callout */
.note {
  background: #F0F5FB; border-left: 4px solid var(--accent);
  padding: 14px 18px; border-radius: 0 6px 6px 0; margin: 18px 0; font-size: 15px;
}

/* Footer */
.site-footer { background: var(--navy); color: #C4D0E0; font-size: 14px; padding: 40px 0 28px; }
.site-footer .grid { grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 28px; }
.site-footer h4 { color: #fff; font-size: 15px; margin: 0 0 10px; }
.site-footer a { color: #C4D0E0; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin: 5px 0; }
.footer-legal { border-top: 1px solid #23406B; margin-top: 28px; padding-top: 16px; color: #8FA3BE; font-size: 13px; }

/* Small screens */
@media (max-width: 720px) {
  h1 { font-size: 32px; }
  .hero h1 { font-size: 34px; }
  .site-header .container { flex-direction: column; align-items: flex-start; }
  .main-nav ul { column-gap: 2px; }
}