:root {
  --color-bg: #f4f9fc;
  --color-text: #1c2b3a;
  --color-muted: #5a6b7a;
  --color-accent: #2f8fd1;
  --color-accent-dark: #1f6ea8;
  --color-accent-2: #1d4e89;
  --color-accent-2-dark: #143a68;
  --color-accent-2-light: #e6f2fa;
  --color-accent-3: #e0a83d;
  --color-border: #d6e5f0;
  --color-card: #ffffff;
  --color-ink: #14263a;
  --max-width: 860px;
  --radius: 10px;
  --shadow-sm: 0 2px 8px rgba(20, 38, 58, 0.06);
  --shadow-md: 0 8px 24px rgba(20, 38, 58, 0.1);
  --shadow-lg: 0 20px 45px rgba(20, 38, 58, 0.16);
  --ease: cubic-bezier(0.2, 0.7, 0.3, 1);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: "Georgia", "Iowan Old Style", "Palatino Linotype", serif;
  background: var(--color-bg);
  color: var(--color-text);
  line-height: 1.85;
  -webkit-font-smoothing: antialiased;
}

p { margin: 0 0 1.4em; }

ul, ol { margin: 0 0 1.4em; padding-left: 1.4em; }
li { margin-bottom: 0.5em; }

a { color: var(--color-accent-dark); text-decoration: underline; }
a:hover { color: var(--color-accent-2); }

header.site-header {
  border-bottom: 1px solid var(--color-border);
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: saturate(180%) blur(8px);
  -webkit-backdrop-filter: saturate(180%) blur(8px);
  position: sticky;
  top: 0;
  z-index: 100;
}

.header-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 22px 28px;
  font-family: "Helvetica Neue", Arial, sans-serif;
}

.brand {
  font-weight: 700;
  font-size: 1.25rem;
  color: var(--color-text);
  text-decoration: none;
  letter-spacing: -0.02em;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.brand span { color: var(--color-accent); }

.brand-mark {
  width: 26px;
  height: 26px;
  flex: none;
}

nav.main-nav ul {
  list-style: none;
  display: flex;
  align-items: center;
  gap: 28px;
  margin: 0;
  padding: 0;
  flex-wrap: wrap;
}

nav.main-nav a {
  text-decoration: none;
  color: var(--color-text);
  font-size: 0.92rem;
  font-weight: 500;
  border-bottom: 2px solid transparent;
  padding-bottom: 2px;
  transition: color 0.18s var(--ease), border-color 0.18s var(--ease);
}

nav.main-nav a:hover { color: var(--color-accent-2); border-bottom-color: var(--color-accent-2); }

nav.main-nav li { position: relative; }

nav.main-nav li.has-dropdown > a::after {
  content: "\25BE";
  font-size: 0.7em;
  margin-left: 4px;
  color: var(--color-muted);
  display: inline-block;
  transition: transform 0.18s var(--ease);
}

nav.main-nav li.has-dropdown:hover > a::after,
nav.main-nav li.has-dropdown:focus-within > a::after {
  transform: rotate(180deg);
}

nav.main-nav .dropdown-panel {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%) translateY(4px);
  background: var(--color-card);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 20px 24px;
  min-width: 240px;
  z-index: 30;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: opacity 0.16s var(--ease), transform 0.16s var(--ease), visibility 0.16s;
}

nav.main-nav li.has-dropdown:hover .dropdown-panel,
nav.main-nav li.has-dropdown:focus-within .dropdown-panel {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translateX(-50%) translateY(8px);
}

nav.main-nav .dropdown-label {
  display: block;
  font-size: 0.68rem;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--color-accent-2);
  font-weight: 700;
  margin-bottom: 12px;
}

nav.main-nav .dropdown-panel a {
  display: block;
  padding: 9px 0;
  font-size: 0.88rem;
  border-bottom: none;
  white-space: nowrap;
  transition: color 0.15s var(--ease), transform 0.15s var(--ease);
}

nav.main-nav .dropdown-panel a:hover {
  color: var(--color-accent-2);
  transform: translateX(2px);
}

nav.main-nav .dropdown-panel-wide { min-width: 440px; }

nav.main-nav .dropdown-cols {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0 30px;
}

@media (max-width: 640px) {
  nav.main-nav .dropdown-panel {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    position: static;
    transform: none;
    box-shadow: none;
    border: none;
    padding: 4px 0 4px 14px;
    min-width: 0;
  }
  nav.main-nav .dropdown-panel-wide { min-width: 0; }
  nav.main-nav .dropdown-cols { grid-template-columns: 1fr; gap: 0; }
  nav.main-nav li.has-dropdown > a::after { display: none; }
}

main {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 56px 28px 84px;
}

.wide { max-width: 1100px; }

h1 {
  font-family: "Helvetica Neue", Arial, sans-serif;
  font-size: 2.1rem;
  line-height: 1.3;
  margin-top: 0;
  margin-bottom: 0.55em;
  color: var(--color-text);
}

h2 {
  font-family: "Helvetica Neue", Arial, sans-serif;
  font-size: 1.4rem;
  margin-top: 2.8em;
  margin-bottom: 1em;
  color: var(--color-text);
  border-bottom: 1px solid var(--color-border);
  padding-bottom: 14px;
  position: relative;
}

h2::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -1px;
  width: 44px;
  height: 3px;
  background: var(--color-accent-2);
  border-radius: 2px;
}

h2:nth-of-type(even)::after {
  background: var(--color-accent);
}

h3 {
  font-family: "Helvetica Neue", Arial, sans-serif;
  font-size: 1.1rem;
  margin-top: 2em;
  margin-bottom: 0.7em;
}

.byline, .updated {
  font-family: "Helvetica Neue", Arial, sans-serif;
  color: var(--color-muted);
  font-size: 0.88rem;
  margin-bottom: 2.4em;
}

.disclaimer {
  font-family: "Helvetica Neue", Arial, sans-serif;
  background: var(--color-accent-2-light);
  border: 1px solid var(--color-border);
  border-left: 4px solid var(--color-accent-2);
  border-radius: var(--radius);
  padding: 20px 24px;
  font-size: 0.88rem;
  color: var(--color-muted);
  margin: 2.2em 0;
}

table {
  width: 100%;
  border-collapse: collapse;
  margin: 2.2em 0;
  font-family: "Helvetica Neue", Arial, sans-serif;
  font-size: 0.92rem;
}

th, td {
  border: 1px solid var(--color-border);
  padding: 14px 16px;
  text-align: left;
  vertical-align: top;
}

th {
  background: var(--color-accent-2-light);
  color: var(--color-accent-2-dark);
  font-weight: 700;
}

.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
  gap: 24px;
  margin: 2.4em 0;
}

.card {
  background: var(--color-card);
  border: 1px solid var(--color-border);
  border-top: 4px solid var(--color-accent);
  border-radius: var(--radius);
  padding: 24px 22px;
  font-family: "Helvetica Neue", Arial, sans-serif;
  box-shadow: var(--shadow-sm);
  transition: transform 0.2s var(--ease), box-shadow 0.2s var(--ease), border-color 0.2s var(--ease);
}

.card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

.card:nth-child(3n+2) { border-top-color: var(--color-accent-2); }
.card:nth-child(3n) { border-top-color: var(--color-accent-3); }

.card h3 { margin-top: 0; margin-bottom: 0.6em; font-size: 1.02rem; }
.card p { font-size: 0.9rem; color: var(--color-muted); margin-bottom: 1em; }
.card a { font-size: 0.88rem; font-weight: 600; text-decoration: none; }
.card a:hover { text-decoration: underline; }

.hero {
  background: linear-gradient(135deg, #dcedf7 0%, #eef6fb 55%, #f4f9fc 100%);
  border-radius: calc(var(--radius) + 4px);
  padding: 48px 40px;
  margin-bottom: 16px;
  box-shadow: var(--shadow-sm);
  position: relative;
  overflow: hidden;
}

.hero p.lead {
  font-size: 1.1rem;
  color: var(--color-muted);
  max-width: 640px;
  margin-bottom: 1.4em;
}

.hero-flex {
  display: flex;
  align-items: center;
  gap: 40px;
  flex-wrap: wrap;
}

.hero-copy {
  flex: 1 1 380px;
}

.hero-visual {
  flex: 0 0 300px;
  display: flex;
  justify-content: center;
}

.cta-row {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-top: 22px;
}

.cta-button {
  display: inline-block;
  background: var(--color-accent);
  color: #fff;
  padding: 10px 20px;
  border-radius: 6px;
  text-decoration: none;
  font-family: "Helvetica Neue", Arial, sans-serif;
  font-weight: 600;
  font-size: 0.92rem;
  margin-top: 10px;
  border: 2px solid var(--color-accent);
  transition: transform 0.18s var(--ease), box-shadow 0.18s var(--ease), background 0.18s var(--ease), border-color 0.18s var(--ease);
}

.cta-button:hover {
  background: var(--color-accent-dark);
  border-color: var(--color-accent-dark);
  color: #fff;
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.cta-button.secondary {
  background: transparent;
  color: var(--color-accent-dark);
  box-shadow: none;
}

.cta-button.secondary:hover { background: var(--color-accent); color: #fff; }

.hero-avatars {
  width: 100%;
  max-width: 320px;
  margin: 0;
}

/* Stat / trust bar */
.stat-bar {
  display: flex;
  flex-wrap: wrap;
  gap: 12px 0;
  margin-top: 40px;
  padding-top: 28px;
  border-top: 1px solid rgba(20, 38, 58, 0.1);
  font-family: "Helvetica Neue", Arial, sans-serif;
}

.stat-item {
  flex: 1 1 160px;
  padding: 4px 24px 4px 0;
  border-right: 1px solid rgba(20, 38, 58, 0.1);
  margin-right: 24px;
}

.stat-item:last-child { border-right: none; margin-right: 0; }

.stat-item .stat-num {
  display: block;
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--color-accent-dark);
  line-height: 1.3;
}

.stat-item .stat-label {
  display: block;
  font-size: 0.8rem;
  color: var(--color-muted);
  margin-top: 4px;
  line-height: 1.5;
}

@media (max-width: 640px) {
  .stat-item { border-right: none; margin-right: 0; padding-right: 0; }
}

/* Mini FAQ preview */
.qa-preview {
  display: grid;
  gap: 18px;
  margin: 2.4em 0;
}

.qa-preview-item {
  background: var(--color-card);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 22px 24px;
  font-family: "Helvetica Neue", Arial, sans-serif;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s var(--ease), transform 0.2s var(--ease);
}

.qa-preview-item:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.qa-preview-item h3 {
  margin: 0 0 10px;
  font-size: 0.98rem;
  color: var(--color-text);
}

.qa-preview-item p {
  margin: 0;
  font-size: 0.9rem;
  color: var(--color-muted);
  line-height: 1.7;
}

/* Closing CTA band */
.cta-band {
  background: linear-gradient(135deg, var(--color-ink) 0%, #1c3654 100%);
  border-radius: calc(var(--radius) + 4px);
  padding: 52px 40px;
  margin: 3.6em 0 1.5em;
  text-align: center;
  color: #eaf3fa;
}

.cta-band h2 {
  border-bottom: none;
  color: #fff;
  margin-top: 0;
  margin-bottom: 0.7em;
}

.cta-band h2::after { display: none; }

.cta-band p {
  color: #b9c9d6;
  max-width: 520px;
  margin: 0 auto 26px;
}

.cta-band .cta-button {
  background: var(--color-accent-3);
  border-color: var(--color-accent-3);
  color: #1c2b3a;
}

.cta-band .cta-button:hover {
  background: #c99425;
  border-color: #c99425;
}

.illustration {
  display: block;
  width: 100%;
  max-width: 460px;
  margin: 36px auto;
}

.illustration-wide {
  max-width: 680px;
}

.illustration-inline {
  max-width: 320px;
  float: right;
  margin: 4px 0 18px 28px;
}

@media (max-width: 640px) {
  .illustration-inline {
    float: none;
    margin: 20px auto;
  }
}

.ad-slot {
  font-family: "Helvetica Neue", Arial, sans-serif;
  border: 1px dashed var(--color-border);
  background: #eef5fa;
  color: var(--color-muted);
  text-align: center;
  padding: 18px;
  border-radius: 8px;
  font-size: 0.8rem;
  margin: 2em 0;
}

details.faq-item {
  border: 1px solid var(--color-border);
  border-left: 3px solid var(--color-accent-2);
  border-radius: 8px;
  padding: 18px 22px;
  margin-bottom: 14px;
  background: var(--color-card);
  transition: box-shadow 0.2s var(--ease);
}

details.faq-item:hover { box-shadow: var(--shadow-sm); }

details.faq-item summary {
  font-weight: 700;
  cursor: pointer;
  font-family: "Helvetica Neue", Arial, sans-serif;
  line-height: 1.5;
}

details.faq-item p { margin-top: 0.9em; margin-bottom: 0; }

.footer-sitemap {
  background: var(--color-card);
  border-top: 1px solid var(--color-border);
  margin-top: 64px;
  padding: 48px 24px 36px;
}

.footer-sitemap-inner {
  max-width: 1220px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 32px;
  font-family: "Helvetica Neue", Arial, sans-serif;
}

@media (max-width: 980px) {
  .footer-sitemap-inner { grid-template-columns: repeat(3, 1fr); }
}

.footer-col strong {
  display: block;
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--color-accent-2);
  margin-bottom: 14px;
}

.footer-col a {
  display: block;
  color: var(--color-muted);
  text-decoration: none;
  font-size: 0.87rem;
  padding: 5px 0;
  transition: color 0.15s var(--ease);
}

.footer-col a:hover { color: var(--color-accent-dark); }

@media (max-width: 720px) {
  .footer-sitemap-inner { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 460px) {
  .footer-sitemap-inner { grid-template-columns: 1fr; }
}

footer.site-footer {
  background: var(--color-ink);
  margin-top: 0;
  padding: 32px 24px;
  font-family: "Helvetica Neue", Arial, sans-serif;
  font-size: 0.82rem;
  color: #b9c9d6;
  text-align: center;
}

footer.site-footer p { margin: 0 0 0.9em; }
footer.site-footer p:last-child { margin-bottom: 0; }

footer.site-footer a { color: #7ec3ea; margin: 0 8px; text-decoration: none; }
footer.site-footer a:hover { color: #a8d8f5; text-decoration: underline; }

.breadcrumb {
  font-family: "Helvetica Neue", Arial, sans-serif;
  font-size: 0.82rem;
  color: var(--color-muted);
  margin-bottom: 24px;
}

.toc {
  font-family: "Helvetica Neue", Arial, sans-serif;
  background: var(--color-card);
  border: 1px solid var(--color-border);
  border-left: 4px solid var(--color-accent);
  border-radius: var(--radius);
  padding: 22px 26px;
  font-size: 0.9rem;
  margin: 2.2em 0;
}

.toc ul { margin: 12px 0 0; padding-left: 20px; }
.toc li { margin-bottom: 0.6em; }

@media (max-width: 640px) {
  h1 { font-size: 1.6rem; }
  .header-inner { flex-direction: column; align-items: flex-start; gap: 10px; }
}