:root{
  --navy:#0c2138; --navy2:#12324f; --navy3:#0a1a2e;
  --teal:#431895; --teal-light:#5422b4; --teal-soft:#f3effb;
  --amber:#f514f4; --amber-soft:#fdecfd;
  --bg:#f5f7fa; --card:#ffffff; --ink:#1f2a37; --muted:#5b6b7c;
  --line:#e3e9f0; --radius:14px; --shadow:0 6px 24px rgba(12,33,56,.08);
  --maxw:1180px;
}
*{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;
  color:var(--ink);background:var(--bg);line-height:1.72;font-size:16px}
img{max-width:100%;display:block}
a{color:var(--teal);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3{line-height:1.28;color:var(--navy);font-weight:800}
h1{font-size:2.05rem;margin-bottom:.55rem}
h2{font-size:1.5rem;margin:2.2rem 0 .8rem}
h3{font-size:1.15rem;margin:1.4rem 0 .5rem}
p{margin-bottom:1rem}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
/* topbar */
.topbar{background:var(--navy3);color:#c9d8e8;font-size:.86rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;padding-top:8px;padding-bottom:8px;flex-wrap:wrap}
.topbar strong{color:#fff}
.topbar a{color:#b497ed;font-weight:700}
/* header */
.site-header{background:var(--card);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50;box-shadow:0 2px 10px rgba(12,33,56,.05)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:18px;padding-top:14px;padding-bottom:14px}
.brand{display:flex;align-items:center;gap:11px;color:var(--navy);text-decoration:none}
.brand:hover{text-decoration:none}
.brand img{width:40px;height:40px}
.brand .bn{font-size:1.28rem;font-weight:900;letter-spacing:-.02em}
.brand .bt{font-size:.72rem;color:var(--muted);font-weight:600;letter-spacing:.08em;text-transform:uppercase}
.nav{display:flex;gap:4px;flex-wrap:wrap;align-items:center}
.nav a{color:var(--navy2);font-weight:600;font-size:.92rem;padding:8px 11px;border-radius:8px;white-space:nowrap}
.nav a:hover{background:var(--teal-soft);text-decoration:none;color:var(--teal)}
.nav a.cta{background:var(--teal);color:#fff}
.nav a.cta:hover{background:#351376;color:#fff}
.nav-toggle{display:none;background:var(--navy);color:#fff;border:0;border-radius:8px;padding:9px 14px;font-size:1rem;cursor:pointer}
@media(max-width:960px){
  .nav-toggle{display:block}
  .nav{display:none;flex-basis:100%;flex-direction:column;align-items:stretch;padding:8px 0}
  .nav.open{display:flex}
  .site-header .wrap{flex-wrap:wrap}
}
/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 55%,#0e4f4a 100%);color:#fff;padding:56px 0 64px}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:center}
.hero h1{color:#fff;font-size:2.5rem}
.hero p{color:#d7e4f0;font-size:1.08rem;max-width:34em}
.hero .badge{display:inline-block;background:rgba(20,184,166,.16);border:1px solid rgba(20,184,166,.5);
  color:#8ff0e0;font-weight:700;font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;padding:6px 13px;border-radius:999px;margin-bottom:18px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:22px}
.btn{display:inline-block;padding:13px 26px;border-radius:10px;font-weight:700;font-size:.97rem}
.btn:hover{text-decoration:none}
.btn-primary{background:var(--teal-light);color:#06231f}
.btn-primary:hover{background:#2dd4bf}
.btn-ghost{border:1.5px solid rgba(255,255,255,.45);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.1)}
.hero-img{border-radius:var(--radius);overflow:hidden;box-shadow:0 18px 44px rgba(0,0,0,.35);border:4px solid rgba(255,255,255,.12)}
.hero-img img{width:100%;height:340px;object-fit:cover}
.hero-contact{margin-top:26px;font-size:.95rem;color:#c9d8e8}
.hero-contact a{color:#b497ed;font-weight:800}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr}.hero-img img{height:260px}.hero h1{font-size:1.9rem}}
/* trust strip */
.trust{background:var(--card);border-bottom:1px solid var(--line)}
.trust .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;padding:22px}
.trust div{text-align:center;font-weight:700;color:var(--navy);font-size:1rem}
.trust span{display:block;color:var(--teal);font-size:1.5rem;font-weight:900}
@media(max-width:760px){.trust .wrap{grid-template-columns:repeat(2,1fr)}}
/* sections */
section.block{padding:46px 0}
section.block.alt{background:var(--card);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sec-head{text-align:center;max-width:44em;margin:0 auto 30px}
.sec-head h2{margin-top:0}
.sec-head p{color:var(--muted)}
/* category cards */
.grid-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);display:flex;flex-direction:column}
.card img{height:158px;width:100%;object-fit:cover}
.card .body{padding:16px 17px 19px;flex:1;display:flex;flex-direction:column}
.card h3{font-size:1.06rem;margin:0 0 6px}
.card p{font-size:.89rem;color:var(--muted);flex:1;margin-bottom:12px}
.card .more{font-weight:800;font-size:.9rem}
@media(max-width:980px){.grid-cards{grid-template-columns:repeat(2,1fr)}}
@media(max-width:520px){.grid-cards{grid-template-columns:1fr}}
/* article layout */
.crumb{font-size:.85rem;color:var(--muted);padding:18px 0 0}
.crumb a{color:var(--muted)}
.page-hero{background:linear-gradient(120deg,var(--navy),var(--navy2));color:#fff;border-radius:var(--radius);padding:34px 36px;margin:18px 0 8px}
.page-hero h1{color:#fff;font-size:1.85rem}
.page-hero p{color:#d3e0ec;margin:0;max-width:42em}
.article-grid{display:grid;grid-template-columns:1fr;gap:0}
figure.fig{margin:26px 0;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);background:var(--card)}
figure.fig img{width:100%;height:330px;object-fit:cover}
figure.fig figcaption{font-size:.84rem;color:var(--muted);padding:11px 16px;background:var(--card);border-top:1px solid var(--line)}
@media(max-width:700px){figure.fig img{height:230px}}
ul.tick{list-style:none;margin:8px 0 1.4rem;padding:0}
ul.tick li{padding:7px 0 7px 32px;position:relative;border-bottom:1px dashed var(--line)}
ul.tick li:before{content:"\2713";position:absolute;left:4px;top:7px;color:var(--teal);font-weight:900}
/* FAQ */
.faq details{background:var(--card);border:1px solid var(--line);border-radius:12px;margin-bottom:12px;padding:0;box-shadow:var(--shadow)}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:16px 20px;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:18px;top:13px;font-size:1.4rem;color:var(--teal);font-weight:900}
.faq details[open] summary:after{content:"\2013"}
.faq details p{padding:0 20px 16px;color:var(--muted);margin:0}
/* related */
.related{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:26px}
.related a{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:16px 18px;font-weight:700;color:var(--navy2);box-shadow:var(--shadow)}
.related a:hover{border-color:var(--teal);text-decoration:none;color:var(--teal)}
.related a small{display:block;font-weight:500;color:var(--muted);margin-top:4px}
@media(max-width:820px){.related{grid-template-columns:1fr}}
/* article list (latest articles) */
.art-list{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.art-list a{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:18px 20px;box-shadow:var(--shadow);color:var(--navy);font-weight:700}
.art-list a:hover{border-color:var(--teal);color:var(--teal);text-decoration:none}
.art-list a small{display:block;font-weight:500;color:var(--muted);margin-top:6px;font-size:.86rem;line-height:1.55}
@media(max-width:900px){.art-list{grid-template-columns:1fr}}
/* CTA band */
.cta-band{background:linear-gradient(120deg,#0e3a36,var(--navy2));color:#fff;border-radius:var(--radius);padding:38px 40px;text-align:center;margin:10px 0 0}
.cta-band h2{color:#fff;margin-top:0}
.cta-band p{color:#d7e9e6}
.cta-band a{color:#b497ed;font-weight:800}
/* contact cards */
.contact-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:26px 0}
.contact-cards .cc{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:22px;text-align:center;box-shadow:var(--shadow)}
.contact-cards .cc .ic{font-size:1.6rem}
.contact-cards .cc b{display:block;color:var(--navy);font-size:1.02rem;margin:8px 0 4px}
.contact-cards .cc a{font-weight:800;font-size:1.05rem}
@media(max-width:820px){.contact-cards{grid-template-columns:1fr}}
/* compliance strip */
.legal-strip{background:var(--amber-soft);border:1px solid #f6d79a;color:#7c5a17;font-size:.86rem;border-radius:10px;padding:13px 18px;margin:26px 0}
/* footer */
footer{background:var(--navy3);color:#aebfd2;margin-top:50px;padding:46px 0 0;font-size:.92rem}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1.2fr;gap:30px;padding-bottom:30px}
footer h4{color:#fff;font-size:.95rem;letter-spacing:.06em;text-transform:uppercase;margin-bottom:14px}
footer ul{list-style:none}
footer li{padding:4px 0}
footer a{color:#aebfd2}
footer a:hover{color:#b497ed}
.foot-brand img{width:38px;height:38px;margin-bottom:10px}
.foot-contact b{color:#fff}
.foot-contact a{color:#b497ed;font-weight:800}
.foot-bottom{border-top:1px solid rgba(255,255,255,.08);padding:16px 0;font-size:.82rem;color:#7e90a5;display:flex;justify-content:space-between;gap:10px;flex-wrap:wrap}
@media(max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.foot-grid{grid-template-columns:1fr}}