:root{
  --bg:#f3f7fb;
  --bg-soft:#f8fbfe;
  --surface:#ffffff;
  --surface-strong:#0f3156;
  --surface-muted:#eef4fb;
  --text:#162433;
  --muted:#5b6a79;
  --line:#d8e3ef;
  --line-strong:#bfd0e2;
  --primary:#0f3d75;
  --primary-strong:#0b2f58;
  --primary-soft:#dce9f7;
  --accent:#b9965a;
  --accent-soft:#f7efe1;
  --success:#1f6b4f;
  --shadow:0 18px 50px rgba(15,49,86,.08);
  --shadow-soft:0 10px 28px rgba(15,49,86,.06);
  --radius-xl:28px;
  --radius-lg:22px;
  --radius-md:18px;
  --radius-sm:14px;
  --max:1180px;
}

*{
  box-sizing:border-box;
}

html{
  scroll-behavior:smooth;
}

body{
  margin:0;
  color:var(--text);
  font-family:"Segoe UI", system-ui, -apple-system, BlinkMacSystemFont, sans-serif;
  line-height:1.65;
  background:
    radial-gradient(circle at top left, rgba(15,61,117,.05), transparent 24%),
    linear-gradient(180deg,#f8fbfe 0%, #f3f7fb 100%);
}

a{
  color:inherit;
  text-decoration:none;
}

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

.container{
  width:min(92%, var(--max));
  margin:0 auto;
}

.site-header{
  position:sticky;
  top:0;
  z-index:20;
  backdrop-filter:blur(14px);
  background:rgba(248,251,254,.9);
  border-bottom:1px solid rgba(191,208,226,.7);
}

.site-header-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:20px;
  padding:18px 0;
}

.brand{
  display:flex;
  flex-direction:column;
  gap:4px;
  min-width:0;
}

.brand strong{
  font-family:Georgia, "Times New Roman", serif;
  font-size:1.35rem;
  line-height:1;
  letter-spacing:.03em;
  color:var(--primary-strong);
}

.brand span{
  color:var(--muted);
  font-size:.92rem;
}

.site-nav{
  display:flex;
  align-items:center;
  gap:18px;
  flex-wrap:wrap;
  justify-content:flex-end;
}

.site-nav a{
  color:var(--muted);
  font-size:.96rem;
}

.site-nav a:hover{
  color:var(--primary);
}

.site-nav .btn{
  color:#fff;
}

.btn-row{
  display:flex;
  flex-wrap:wrap;
  gap:14px;
}

.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:50px;
  padding:14px 22px;
  border-radius:999px;
  border:1px solid transparent;
  font-weight:700;
  transition:transform .18s ease, box-shadow .18s ease, background .18s ease, border-color .18s ease;
  cursor:pointer;
}

.btn:hover{
  transform:translateY(-1px);
}

.btn-primary{
  color:#fff;
  background:linear-gradient(135deg,var(--primary) 0%, #184f92 100%);
  box-shadow:var(--shadow-soft);
}

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

.btn-ghost{
  color:#fff;
  border-color:rgba(255,255,255,.2);
  background:rgba(255,255,255,.08);
}

main section{
  padding:36px 0;
}

.hero{
  padding:86px 0 40px;
}

.hero-grid{
  display:grid;
  grid-template-columns:minmax(0, 1.18fr) minmax(320px, .82fr);
  gap:28px;
  align-items:start;
}

.panel{
  background:var(--surface);
  border:1px solid var(--line);
  border-radius:var(--radius-xl);
  box-shadow:var(--shadow);
}

.hero-panel{
  padding:48px;
  background:
    radial-gradient(circle at top right, rgba(185,150,90,.15), transparent 28%),
    linear-gradient(180deg,#ffffff 0%, #f8fbfe 100%);
}

.side-panel{
  padding:28px;
  background:linear-gradient(160deg,#0d2f55 0%, #0f3d75 68%, #195496 100%);
  border:none;
  color:#fff;
}

.eyebrow{
  display:inline-flex;
  align-items:center;
  padding:8px 14px;
  border-radius:999px;
  font-size:.82rem;
  font-weight:700;
  letter-spacing:.02em;
  background:var(--primary-soft);
  color:var(--primary);
  margin-bottom:18px;
}

.eyebrow-accent{
  background:var(--accent-soft);
  color:#89652d;
}

h1,
h2,
h3{
  margin:0;
  color:#102235;
}

h1{
  font-family:Georgia, "Times New Roman", serif;
  font-size:clamp(2.5rem, 5vw, 4.45rem);
  line-height:1.04;
  letter-spacing:-.03em;
  margin-bottom:18px;
}

h2{
  font-family:Georgia, "Times New Roman", serif;
  font-size:clamp(1.75rem, 3vw, 2.55rem);
  line-height:1.1;
  letter-spacing:-.02em;
}

h3{
  font-size:1.12rem;
  line-height:1.3;
}

p{
  margin:0;
}

.lead{
  font-size:1.08rem;
  color:var(--muted);
  max-width:760px;
}

.hero-points{
  display:grid;
  grid-template-columns:repeat(3, minmax(0,1fr));
  gap:14px;
  margin:28px 0 0;
}

.point-card{
  padding:18px;
  background:rgba(15,61,117,.04);
  border:1px solid rgba(15,61,117,.08);
  border-radius:var(--radius-md);
}

.point-card strong{
  display:block;
  color:var(--primary);
  margin-bottom:6px;
  font-size:.94rem;
}

.point-card span{
  color:var(--muted);
  font-size:.95rem;
}

.side-panel h2,
.side-panel h3,
.side-panel strong{
  color:#fff;
}

.side-panel p,
.side-panel li,
.side-panel a{
  color:rgba(255,255,255,.92);
}

.link-list{
  list-style:none;
  padding:0;
  margin:0;
  display:grid;
  gap:12px;
}

.link-list a{
  display:flex;
  gap:10px;
  align-items:flex-start;
  padding:14px 16px;
  border-radius:var(--radius-sm);
  background:rgba(255,255,255,.08);
  border:1px solid rgba(255,255,255,.12);
  text-decoration:none;
}

.link-list a:hover{
  background:rgba(255,255,255,.12);
}

.link-list strong{
  display:block;
  font-size:.98rem;
  margin-bottom:2px;
}

.link-list span{
  font-size:.9rem;
}

.note{
  margin-top:18px;
  padding-top:16px;
  border-top:1px solid rgba(255,255,255,.16);
  font-size:.95rem;
}

.section-head{
  display:flex;
  flex-direction:column;
  gap:10px;
  margin-bottom:24px;
}

.section-head p{
  color:var(--muted);
  max-width:760px;
}

.feature-strip{
  display:grid;
  grid-template-columns:repeat(4, minmax(0,1fr));
  gap:16px;
}

.feature-strip .panel{
  padding:18px 20px;
  box-shadow:var(--shadow-soft);
}

.feature-strip strong{
  display:block;
  margin-bottom:6px;
  color:var(--primary);
}

.feature-strip span{
  color:var(--muted);
  font-size:.95rem;
}

.cards-grid{
  display:grid;
  grid-template-columns:repeat(3, minmax(0,1fr));
  gap:20px;
}

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

.card-link{
  display:block;
  height:100%;
}

.click-card{
  height:100%;
  padding:28px;
  background:linear-gradient(180deg,#ffffff 0%, #f9fbfe 100%);
  border:1px solid var(--line);
  border-radius:var(--radius-lg);
  box-shadow:var(--shadow-soft);
  transition:transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}

.click-card:hover{
  transform:translateY(-4px);
  border-color:var(--line-strong);
  box-shadow:0 22px 52px rgba(15,49,86,.1);
}

.card-kicker{
  display:inline-flex;
  align-items:center;
  padding:6px 10px;
  border-radius:999px;
  background:var(--accent-soft);
  color:#866222;
  font-size:.78rem;
  font-weight:700;
  margin-bottom:16px;
}

.click-card p{
  color:var(--muted);
}

.card-footer{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:16px;
  margin-top:20px;
  color:var(--primary);
  font-weight:700;
  font-size:.95rem;
}

.card-footer span:last-child{
  font-size:1.05rem;
}

.risk-box,
.cta-box,
.authority-box,
.faq-item,
.topic-box,
.article-layout,
.document-card{
  background:var(--surface);
  border:1px solid var(--line);
  border-radius:var(--radius-lg);
  box-shadow:var(--shadow-soft);
}

.risk-box,
.cta-box,
.authority-box,
.topic-box{
  padding:34px;
}

.risk-list{
  list-style:none;
  margin:20px 0 0;
  padding:0;
  display:grid;
  gap:14px;
}

.risk-list li{
  position:relative;
  padding:16px 18px 16px 50px;
  border:1px solid var(--line);
  border-radius:var(--radius-sm);
  background:linear-gradient(180deg,#ffffff 0%, #f9fbfe 100%);
  color:var(--text);
}

.risk-list li::before{
  content:"!";
  position:absolute;
  left:18px;
  top:50%;
  transform:translateY(-50%);
  width:20px;
  height:20px;
  border-radius:50%;
  background:#d9a442;
  color:#fff;
  display:grid;
  place-items:center;
  font-size:.8rem;
  font-weight:800;
}

.authority-layout{
  display:grid;
  grid-template-columns:minmax(0, 1.08fr) minmax(300px, .92fr);
  gap:26px;
  align-items:start;
}

.authority-copy{
  display:grid;
  gap:18px;
}

.authority-copy p{
  color:var(--muted);
}

.authority-highlights{
  display:grid;
  grid-template-columns:repeat(2, minmax(0,1fr));
  gap:14px;
}

.authority-highlights .panel{
  padding:18px;
  box-shadow:none;
}

.authority-highlights strong{
  display:block;
  margin-bottom:4px;
  color:var(--primary);
}

.authority-highlights span{
  color:var(--muted);
  font-size:.94rem;
}

.visual-stack{
  display:grid;
  gap:18px;
}

.photo-card,
.document-card{
  overflow:hidden;
}

.photo-card img{
  width:100%;
  aspect-ratio:4 / 4.8;
  object-fit:cover;
}

.document-card{
  padding:0;
}

.document-card object{
  width:100%;
  min-height:360px;
  border:0;
  background:#fff;
}

.document-card .document-body{
  padding:18px;
  border-top:1px solid var(--line);
}

.document-card p{
  color:var(--muted);
  margin-bottom:12px;
}

.article-layout{
  padding:28px;
}

.article-layout p{
  color:var(--muted);
}

.faq-grid{
  display:grid;
  grid-template-columns:repeat(2, minmax(0,1fr));
  gap:18px;
}

.faq-item{
  padding:24px;
}

.faq-item h3{
  margin-bottom:10px;
  color:var(--primary-strong);
}

.faq-item p{
  color:var(--muted);
}

.cta-box{
  background:linear-gradient(140deg,#0e3157 0%, #0f3d75 72%, #1b5ca7 100%);
  border:none;
  color:#fff;
}

.cta-box h2,
.cta-box p{
  color:#fff;
}

.cta-box p{
  max-width:760px;
  color:rgba(255,255,255,.88);
}

.topic-hero{
  padding:84px 0 30px;
}

.topic-hero .hero-panel{
  padding:42px;
}

.content-grid{
  display:grid;
  grid-template-columns:minmax(0,1fr) minmax(280px,.72fr);
  gap:24px;
  align-items:start;
}

.content-stack{
  display:grid;
  gap:22px;
}

.aside-stack{
  display:grid;
  gap:18px;
}

.check-list,
.bullet-list{
  margin:0;
  padding-left:20px;
  color:var(--muted);
}

.check-list li,
.bullet-list li{
  margin-bottom:10px;
}

.mini-grid{
  display:grid;
  grid-template-columns:repeat(3, minmax(0,1fr));
  gap:14px;
}

.mini-card{
  padding:20px;
  border-radius:var(--radius-md);
  border:1px solid var(--line);
  background:linear-gradient(180deg,#ffffff 0%, #f9fbfe 100%);
}

.mini-card strong{
  display:block;
  color:var(--primary);
  margin-bottom:8px;
}

.mini-card p{
  color:var(--muted);
  font-size:.95rem;
}

.pill-list{
  display:flex;
  flex-wrap:wrap;
  gap:10px;
}

.pill-list span{
  display:inline-flex;
  align-items:center;
  padding:8px 12px;
  border-radius:999px;
  background:var(--surface-muted);
  color:var(--primary);
  font-size:.9rem;
  font-weight:700;
}

.topic-links{
  display:grid;
  gap:12px;
}

.topic-links a{
  display:flex;
  justify-content:space-between;
  gap:14px;
  padding:14px 16px;
  border-radius:var(--radius-sm);
  border:1px solid var(--line);
  background:#fff;
  color:var(--primary-strong);
  font-weight:700;
}

.topic-links a span:last-child{
  color:var(--accent);
}

.breadcrumb{
  display:flex;
  flex-wrap:wrap;
  gap:8px;
  margin-bottom:18px;
  color:var(--muted);
  font-size:.9rem;
}

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

.footer{
  padding:28px 0 52px;
  color:var(--muted);
}

.footer-bar{
  height:1px;
  background:linear-gradient(90deg, transparent, var(--line), transparent);
  margin-bottom:18px;
}

.footer p{
  margin:0;
}

.brand-premium{
  gap:2px;
}

.brand-overline{
  color:var(--accent);
  font-size:.72rem;
  font-weight:700;
  letter-spacing:.14em;
  text-transform:uppercase;
}

.brand-subtitle{
  color:var(--muted);
  font-size:.9rem;
}

.site-nav--compact{
  gap:10px;
}

.btn-header-secondary{
  min-height:42px;
  padding:10px 16px;
  font-size:.92rem;
  color:var(--primary-strong);
  background:rgba(255,255,255,.92);
  border-color:rgba(15,61,117,.22);
  box-shadow:0 6px 18px rgba(15,49,86,.05);
}

.site-nav .btn-header-secondary{
  color:var(--primary-strong);
}

.btn-header-secondary:hover{
  background:#fff;
  border-color:rgba(15,61,117,.3);
}

.landing-hero{
  padding:92px 0 26px;
}

.hero-single{
  padding:54px;
}

.hero-single h1{
  max-width:850px;
}

.hero-compact-copy{
  max-width:760px;
}

.hero-urgency{
  display:inline-flex;
  align-items:center;
  margin-top:18px;
  padding:10px 14px;
  border-radius:999px;
  background:rgba(15,61,117,.06);
  border:1px solid rgba(15,61,117,.12);
  color:var(--primary-strong);
  font-size:.95rem;
  font-weight:600;
}

.hero-cta-row{
  margin-top:28px;
}

.hero-benefits{
  display:grid;
  grid-template-columns:repeat(3, minmax(0,1fr));
  gap:12px;
  margin-top:24px;
}

.hero-benefit{
  padding:16px 18px;
  border-radius:var(--radius-md);
  border:1px solid rgba(15,61,117,.1);
  background:rgba(15,61,117,.04);
  color:var(--primary-strong);
  font-weight:700;
  font-size:.95rem;
}

.proof-ribbon{
  display:flex;
  flex-wrap:wrap;
  gap:12px;
}

.proof-item{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:48px;
  padding:14px 16px;
  border-radius:999px;
  border:1px solid var(--line);
  background:#fff;
  box-shadow:var(--shadow-soft);
  color:var(--primary-strong);
  font-size:.92rem;
  font-weight:700;
}

.audience-grid{
  display:grid;
  grid-template-columns:repeat(3, minmax(0,1fr));
  gap:18px;
}

.audience-card{
  padding:24px;
  border:1px solid var(--line);
  border-radius:var(--radius-lg);
  background:linear-gradient(180deg,#ffffff 0%, #f9fbfe 100%);
  box-shadow:var(--shadow-soft);
}

.audience-card strong{
  display:block;
  margin-bottom:8px;
  color:var(--primary-strong);
  font-size:1rem;
}

.audience-card p{
  color:var(--muted);
  font-size:.95rem;
}

.attention-grid{
  display:grid;
  grid-template-columns:repeat(2, minmax(0,1fr));
  gap:18px;
}

.attention-card{
  border:1px solid var(--line);
  border-radius:var(--radius-lg);
  background:#fff;
  box-shadow:var(--shadow-soft);
  overflow:hidden;
}

.attention-card summary{
  list-style:none;
  display:flex;
  align-items:flex-start;
  justify-content:space-between;
  gap:18px;
  padding:24px;
  cursor:pointer;
}

.attention-card summary::-webkit-details-marker{
  display:none;
}

.attention-card summary strong{
  display:block;
  margin-bottom:6px;
  color:var(--primary-strong);
  font-size:1.06rem;
}

.attention-card summary p{
  color:var(--muted);
}

.attention-toggle{
  color:var(--primary);
  font-size:1.18rem;
  font-weight:800;
  line-height:1;
  transition:transform .18s ease;
}

.attention-card[open] .attention-toggle{
  transform:rotate(45deg);
}

.attention-copy{
  padding:0 24px 24px;
  border-top:1px solid var(--line);
  background:linear-gradient(180deg, rgba(15,61,117,.03) 0%, rgba(15,61,117,0) 100%);
}

.attention-copy p{
  padding-top:16px;
  color:var(--muted);
  margin-bottom:14px;
}

.subtle-link{
  display:inline-flex;
  align-items:center;
  gap:8px;
  margin-top:12px;
  color:var(--primary);
  font-size:.93rem;
  font-weight:700;
}

.process-grid{
  display:grid;
  grid-template-columns:repeat(4, minmax(0,1fr));
  gap:18px;
}

.process-card{
  padding:26px;
  border:1px solid var(--line);
  border-radius:var(--radius-lg);
  background:linear-gradient(180deg,#ffffff 0%, #f9fbfe 100%);
  box-shadow:var(--shadow-soft);
}

.step-no{
  display:inline-grid;
  place-items:center;
  width:34px;
  height:34px;
  margin-bottom:14px;
  border-radius:50%;
  background:var(--primary);
  color:#fff;
  font-weight:800;
}

.process-card h3{
  margin-bottom:8px;
  color:var(--primary-strong);
}

.process-card p{
  color:var(--muted);
}

.authority-premium{
  padding:36px;
}

.authority-premium-grid{
  display:grid;
  grid-template-columns:minmax(0,1.06fr) minmax(320px,.94fr);
  gap:26px;
  align-items:start;
}

.authority-side{
  display:grid;
  gap:18px;
}

.credential-cluster{
  display:grid;
  grid-template-columns:repeat(2, minmax(0,1fr));
  gap:14px;
}

.credential-card{
  padding:18px;
  border:1px solid var(--line);
  border-radius:var(--radius-md);
  background:linear-gradient(180deg,#ffffff 0%, #f9fbfe 100%);
  box-shadow:var(--shadow-soft);
}

.credential-card strong{
  display:block;
  margin-bottom:6px;
  color:var(--primary);
}

.credential-card span{
  color:var(--muted);
  font-size:.94rem;
}

.document-mini{
  padding:24px;
  border:1px solid var(--line);
  border-radius:var(--radius-lg);
  background:#fff;
  box-shadow:var(--shadow-soft);
}

.document-mini strong{
  display:block;
  margin-bottom:8px;
  color:var(--primary-strong);
}

.document-mini p{
  color:var(--muted);
}

.faq-accordion{
  display:grid;
  gap:14px;
}

.faq-panel{
  border:1px solid var(--line);
  border-radius:var(--radius-lg);
  background:#fff;
  box-shadow:var(--shadow-soft);
  overflow:hidden;
}

.faq-panel summary{
  list-style:none;
  display:flex;
  align-items:flex-start;
  justify-content:space-between;
  gap:16px;
  padding:20px 22px;
  cursor:pointer;
  color:var(--primary-strong);
  font-weight:700;
}

.faq-panel summary::-webkit-details-marker{
  display:none;
}

.faq-panel summary span:last-child{
  color:var(--accent);
  font-size:1.1rem;
  font-weight:800;
  line-height:1;
  transition:transform .18s ease;
}

.faq-panel[open] summary span:last-child{
  transform:rotate(45deg);
}

.faq-answer{
  padding:0 22px 22px;
  border-top:1px solid var(--line);
  background:linear-gradient(180deg, rgba(15,61,117,.03) 0%, rgba(15,61,117,0) 100%);
}

.faq-answer p{
  padding-top:14px;
  color:var(--muted);
}

.muted{
  color:var(--muted);
}

.nowrap{
  white-space:nowrap;
}

@media (max-width: 1080px){
  .cards-grid,
  .feature-strip,
  .content-grid,
  .authority-layout,
  .authority-premium-grid,
  .audience-grid,
  .attention-grid,
  .process-grid,
  .hero-grid,
  .hero-benefits,
  .credential-cluster,
  .faq-grid,
  .mini-grid{
    grid-template-columns:1fr;
  }

  .cards-grid.cards-grid-wide{
    grid-template-columns:1fr;
  }

  .hero-points{
    grid-template-columns:1fr;
  }

  .authority-highlights{
    grid-template-columns:1fr 1fr;
  }
}

@media (max-width: 820px){
  .site-header-inner{
    flex-direction:column;
    align-items:flex-start;
  }

  .hero,
  .topic-hero{
    padding-top:72px;
  }

  .hero-panel,
  .topic-hero .hero-panel,
  .risk-box,
  .cta-box,
  .authority-box,
  .authority-premium,
  .topic-box{
    padding:28px 24px;
  }

  .authority-highlights{
    grid-template-columns:1fr;
  }

  .hero-single{
    padding:40px 28px;
  }
}

@media (max-width: 600px){
  .container{
    width:min(94%, var(--max));
  }

  .site-nav{
    gap:12px;
  }

  .site-nav a{
    font-size:.92rem;
  }

  .btn{
    width:100%;
  }

  .btn-row{
    flex-direction:column;
  }

  .click-card,
  .article-layout,
  .faq-item{
    padding:22px;
  }
}