:root {
  --bg: #f5f7fa;
  --card: #ffffff;
  --ink: #10233d;
  --muted: #586779;
  --brand: #172b4d;
  --brand-2: #334f7b;
  --orange: #c89b4b;
  --orange-dark: #a9782e;
  --accent: #76558f;
  --accent-2: #4e6f99;
  --radius: 18px;
  --shadow: 0 18px 48px rgba(15, 35, 61, .10);
  --ring: 0 0 0 3px rgba(200, 155, 75, .25);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  min-height: 100vh;
  background:
    radial-gradient(circle at 90% 5%, rgba(118, 85, 143, .08), transparent 32rem),
    var(--bg);
  color: var(--ink);
  font: 16px/1.65 system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Inter, Arial, sans-serif;
  -webkit-font-smoothing: antialiased;
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; height: auto; border: 0; }
.container { width: min(100% - 40px, 1080px); max-width: 1080px; margin-inline: auto; padding: 0; }
.muted { color: var(--muted) !important; }

/* Shared premium header */
.topbar {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, .96) !important;
  border-bottom: 1px solid rgba(16, 35, 61, .10) !important;
  box-shadow: 0 6px 24px rgba(16, 35, 61, .05);
  backdrop-filter: saturate(180%) blur(12px);
}

.topbar-inner {
  position: relative;
  display: flex;
  align-items: center;
  gap: 16px;
  min-height: 68px;
  padding: 10px 0 !important;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--brand) !important;
  font-weight: 850 !important;
  letter-spacing: -.015em;
  white-space: nowrap;
}

.brand .logo {
  width: 40px !important;
  height: 40px !important;
  display: grid;
  place-items: center;
  border-radius: 12px !important;
  background: linear-gradient(135deg, var(--brand), var(--accent)) !important;
  color: #fff !important;
  box-shadow: 0 10px 24px rgba(23, 43, 77, .18) !important;
}

.nav {
  display: none;
  flex-direction: column;
  gap: 6px;
  position: absolute;
  inset: 100% 0 auto;
  padding: 12px 20px 16px;
  background: rgba(255, 255, 255, .99) !important;
  border-bottom: 1px solid rgba(16, 35, 61, .10) !important;
  box-shadow: 0 18px 30px rgba(15, 35, 61, .10);
}

.nav a {
  padding: 10px 12px !important;
  border-radius: 10px !important;
  color: #2b3545 !important;
  font-size: 14px;
  font-weight: 700 !important;
  transition: background .2s ease, color .2s ease, transform .2s ease;
}

.nav a:hover,
.nav a:focus-visible {
  background: #f4efe6 !important;
  color: var(--brand) !important;
}

.nav a.active {
  background: var(--brand) !important;
  color: #fff !important;
  outline: 0 !important;
}

.menu-toggle {
  width: 42px !important;
  height: 42px !important;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-left: auto;
  border: 1px solid #dbe3ee !important;
  border-radius: 11px !important;
  background: #fff !important;
  color: var(--brand) !important;
  cursor: pointer;
}

.topbar.open .nav { display: flex; }

/* Shared premium page hero */
header.hero {
  position: relative;
  overflow: hidden;
  color: #fff;
  background: var(--brand);
}

.hero-bg {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(90deg, rgba(9, 24, 46, .97) 0%, rgba(16, 35, 61, .88) 48%, rgba(16, 35, 61, .42) 100%),
    url('/header-bg.jpg') !important;
  background-position: center !important;
  background-size: cover !important;
}

.hero-sheen {
  position: absolute;
  inset: 0;
  background: linear-gradient(120deg, rgba(118, 85, 143, .13), transparent 48%, rgba(200, 155, 75, .10)) !important;
}

.hero-inner {
  position: relative;
  z-index: 1;
  padding: 78px 0 72px !important;
}

.hero h1,
header.hero h1 {
  max-width: 820px;
  margin: 18px 0 14px !important;
  color: #fff;
  font-size: clamp(2.25rem, 5vw, 3.4rem) !important;
  line-height: 1.08 !important;
  letter-spacing: -.03em;
}

.hero .lead {
  max-width: 760px;
  margin: 0;
  color: #e7edf5 !important;
  font-size: 18px;
  line-height: 1.75;
}

.badge,
.pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 7px 13px !important;
  border-radius: 999px !important;
  background: rgba(255, 255, 255, .94) !important;
  color: var(--brand) !important;
  font-weight: 800 !important;
  letter-spacing: .01em;
}

.badge i,
.pill i { color: var(--orange-dark); }
.accent { color: var(--orange) !important; }

/* Content and cards */
.section { padding: 64px 0 !important; }
.row, .grid { gap: 22px !important; }

.card {
  background: var(--card) !important;
  border: 1px solid rgba(16, 35, 61, .08) !important;
  border-radius: var(--radius) !important;
  box-shadow: var(--shadow) !important;
  padding: clamp(22px, 4vw, 32px) !important;
}

.card h2,
.section h2 {
  color: var(--brand);
  line-height: 1.2;
  letter-spacing: -.02em;
}

.card h3 { color: var(--brand); }

.icon {
  background: linear-gradient(135deg, var(--brand), var(--accent)) !important;
  color: #fff !important;
  box-shadow: 0 10px 24px rgba(23, 43, 77, .15) !important;
}

.btn,
button.btn,
.button-primary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  min-height: 46px;
  padding: 12px 19px !important;
  border: 0 !important;
  border-radius: 12px !important;
  background: var(--orange) !important;
  color: #14243c !important;
  font: inherit;
  font-weight: 850 !important;
  text-decoration: none !important;
  box-shadow: 0 12px 28px rgba(15, 35, 61, .16) !important;
  cursor: pointer;
  transition: transform .2s ease, filter .2s ease;
}

.btn:hover,
.button-primary:hover { transform: translateY(-1px); filter: brightness(1.03); }
.btn.dark { background: var(--brand) !important; color: #fff !important; }
.hero .btn.secondary { background: transparent !important; border: 1px solid rgba(255,255,255,.82) !important; color: #fff !important; box-shadow: none !important; }

details {
  padding: 17px 0;
  border-bottom: 1px solid #e5eaf0;
}

details:last-child { border-bottom: 0; }
details summary { color: var(--brand); font-weight: 800 !important; cursor: pointer; }
details p { margin-bottom: 0; }

/* Forms */
label { color: var(--brand) !important; font-weight: 750 !important; }

input:not([type="checkbox"]):not([type="radio"]),
select,
textarea {
  width: 100%;
  min-height: 46px;
  padding: 11px 13px !important;
  border: 1px solid #d4dde8 !important;
  border-radius: 11px !important;
  background: #fff;
  color: var(--ink);
  font: inherit;
  outline: 0;
}

textarea { min-height: 124px; resize: vertical; }

input:focus,
select:focus,
textarea:focus {
  border-color: var(--orange-dark) !important;
  box-shadow: var(--ring) !important;
}

input[type="checkbox"],
input[type="radio"] {
  width: 18px !important;
  height: 18px !important;
  flex: 0 0 18px;
  accent-color: var(--brand);
}

input[type="file"] {
  padding: 10px !important;
  background: #f9fbfd !important;
}

hr { border: 0; border-top: 1px solid #e5eaf0; margin: 30px 0; }
.hint, .fine, .fineprint, small { color: var(--muted) !important; }
.error { border-radius: 11px; background: #fff1f2; color: #9f1239; }
.success { border-radius: 11px; background: #ecfdf5; color: #065f46; }

.steps { margin-top: 28px !important; }
.step-circle { background: rgba(255,255,255,.18) !important; border-color: rgba(255,255,255,.40) !important; }
.step--active .step-circle { background: var(--orange) !important; color: var(--brand) !important; border-color: var(--orange) !important; }
.section-title { padding-bottom: 10px; border-bottom: 1px solid #e5eaf0; }
.declarations .row { align-items: flex-start !important; }

/* Legal and policy readability */
.legal,
.prose,
.content { max-width: 900px; margin-inline: auto; }
.legal h2,
.prose h2,
.content h2 { margin-top: 30px; }
.legal a,
.prose a,
.content a,
.card p a { color: #315c91; text-decoration: underline; text-underline-offset: 3px; }

/* Footer */
footer {
  margin-top: 12px;
  border-top: 1px solid rgba(16,35,61,.10) !important;
  background: #fff;
}

.footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 30px 0 !important;
}

.footer strong { color: var(--brand); }
.footer nav { display: flex; flex-wrap: wrap; gap: 8px 16px !important; }
.footer nav a { color: var(--muted) !important; font-size: 14px; font-weight: 650; }
.footer nav a:hover { color: var(--brand) !important; }

:focus-visible { outline: 3px solid rgba(200,155,75,.55); outline-offset: 3px; }

@media (min-width: 900px) {
  .menu-toggle { display: none !important; }
  .nav {
    position: static;
    display: flex !important;
    flex-direction: row;
    align-items: center;
    gap: 4px !important;
    margin-left: auto;
    padding: 0 !important;
    background: transparent !important;
    border: 0 !important;
    box-shadow: none;
  }
}

@media (max-width: 899px) {
  .hero-bg { background-position: 62% center !important; }
  .hero-inner { padding: 64px 0 60px !important; }
  .footer { align-items: flex-start; }
}

@media (max-width: 560px) {
  .container { width: min(100% - 28px, 1080px); }
  .brand { font-size: 14px; }
  .brand .logo { width: 36px !important; height: 36px !important; }
  .hero h1, header.hero h1 { font-size: 2.15rem !important; }
  .hero .lead { font-size: 16px; }
  .section { padding: 48px 0 !important; }
  .card { padding: 20px !important; }
  .footer { flex-direction: column; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; animation: none !important; transition: none !important; }
}