:root {
  --primary: #0a3d62;
  --primary-dark: #062b45;
  --accent: #1abc9c;
  --text: #1f2d3d;
  --muted: #5a6a7a;
  --bg: #ffffff;
  --bg-alt: #f5f7fa;
  --border: #e1e7ed;
  --max: 1140px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: var(--text);
  background: var(--bg);
}

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

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

.container {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 24px;
}

/* Header */
.site-header {
  border-bottom: 1px solid var(--border);
  background: var(--bg);
  position: sticky;
  top: 0;
  z-index: 50;
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  font-weight: 700;
  color: var(--primary);
  font-size: 18px;
}
.brand-mark {
  width: 32px; height: 32px;
}
.nav {
  display: flex;
  gap: 28px;
}
.nav a {
  color: var(--muted);
  font-weight: 500;
  font-size: 15px;
}
.nav a:hover, .nav a.active {
  color: var(--primary);
  text-decoration: none;
}
.btn {
  display: inline-block;
  padding: 10px 20px;
  border-radius: 4px;
  font-weight: 600;
  font-size: 15px;
  cursor: pointer;
  border: 1px solid transparent;
  transition: background .15s, border-color .15s;
}
.btn-primary {
  background: var(--primary);
  color: white;
}
.btn-primary:hover {
  background: var(--primary-dark);
  text-decoration: none;
  color: white;
}
.btn-outline {
  border-color: var(--primary);
  color: var(--primary);
  background: transparent;
}
.btn-outline:hover { background: var(--primary); color: white; text-decoration: none; }

/* Hero */
.hero {
  padding: 96px 0 80px;
  background: linear-gradient(135deg, #f5f7fa 0%, #e8eef5 100%);
  border-bottom: 1px solid var(--border);
}
.hero h1 {
  font-size: 48px;
  line-height: 1.15;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 20px;
  max-width: 800px;
}
.hero p.lead {
  font-size: 20px;
  color: var(--muted);
  margin-bottom: 36px;
  max-width: 720px;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

/* Sections */
section.block { padding: 80px 0; }
section.block.alt { background: var(--bg-alt); }
.section-eyebrow {
  font-size: 13px;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 12px;
}
.section-title {
  font-size: 36px;
  color: var(--primary);
  margin-bottom: 16px;
  max-width: 700px;
}
.section-lede {
  color: var(--muted);
  font-size: 17px;
  max-width: 720px;
  margin-bottom: 48px;
}

/* Grid of cards */
.grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
}
.card {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 28px;
  transition: transform .15s, box-shadow .15s, border-color .15s;
}
.card:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(10, 61, 98, 0.08);
  border-color: #cdd6df;
}
.card .card-icon {
  width: 44px;
  height: 44px;
  background: rgba(26, 188, 156, 0.12);
  color: var(--accent);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
  font-weight: 700;
}
.card h3 {
  color: var(--primary);
  margin-bottom: 10px;
  font-size: 19px;
}
.card p { color: var(--muted); font-size: 15px; }

/* Stats strip */
.stats {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 32px;
  text-align: center;
}
.stat .num {
  font-size: 42px;
  font-weight: 700;
  color: var(--primary);
}
.stat .lbl {
  color: var(--muted);
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: .06em;
}

/* CTA strip */
.cta-strip {
  background: var(--primary);
  color: white;
  padding: 64px 0;
  text-align: center;
}
.cta-strip h2 {
  color: white;
  font-size: 32px;
  margin-bottom: 12px;
}
.cta-strip p { color: rgba(255,255,255,.85); margin-bottom: 28px; font-size: 17px; }
.cta-strip .btn-primary {
  background: white;
  color: var(--primary);
}
.cta-strip .btn-primary:hover { background: var(--bg-alt); color: var(--primary-dark); }

/* Compliance badges */
.badges {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-top: 24px;
}
.badge {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 6px;
  padding: 12px 18px;
  font-size: 14px;
  font-weight: 600;
  color: var(--primary);
}

/* Two-column content */
.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}
@media (max-width: 760px) {
  .two-col { grid-template-columns: 1fr; gap: 32px; }
  .hero h1 { font-size: 34px; }
  .hero p.lead { font-size: 17px; }
  .section-title { font-size: 28px; }
  .nav { display: none; }
}

/* Article-style content */
.prose h2 { font-size: 26px; color: var(--primary); margin: 32px 0 12px; }
.prose h3 { font-size: 19px; color: var(--primary); margin: 20px 0 8px; }
.prose p { margin-bottom: 14px; color: var(--text); }
.prose ul { margin: 12px 0 16px 24px; }
.prose li { margin-bottom: 6px; }

/* Form */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.form-grid .full { grid-column: 1 / -1; }
.form-field { display: flex; flex-direction: column; gap: 6px; }
.form-field label { font-size: 14px; font-weight: 600; color: var(--text); }
.form-field input, .form-field select, .form-field textarea {
  padding: 10px 12px;
  border: 1px solid var(--border);
  border-radius: 4px;
  font: inherit;
  background: white;
}
.form-field textarea { min-height: 140px; resize: vertical; }
.form-field input:focus, .form-field select:focus, .form-field textarea:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 2px rgba(10, 61, 98, .15);
}
@media (max-width: 600px) {
  .form-grid { grid-template-columns: 1fr; }
}

/* Footer */
.site-footer {
  background: var(--primary-dark);
  color: rgba(255,255,255,.78);
  padding: 56px 0 28px;
  font-size: 15px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 32px;
  margin-bottom: 36px;
}
.site-footer h4 {
  color: white;
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: .06em;
  margin-bottom: 14px;
}
.site-footer ul { list-style: none; }
.site-footer li { margin-bottom: 8px; }
.site-footer a { color: rgba(255,255,255,.78); }
.site-footer a:hover { color: white; }
.footer-meta {
  border-top: 1px solid rgba(255,255,255,.1);
  padding-top: 20px;
  display: flex;
  justify-content: space-between;
  font-size: 13px;
  color: rgba(255,255,255,.55);
}
@media (max-width: 760px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-meta { flex-direction: column; gap: 8px; }
}