:root{
  --bg:#ffffff;
  --text:#0b1220;
  --muted:#4b5563;
  --line:#e6edf7;
  --soft:#f6f9ff;
  --blue:#0b66ff;
  --blue-2:#2f8bff;
  --blue-soft: rgba(11,102,255,0.08);
  --shadow: 0 10px 30px rgba(10,25,60,.08);
  --radius:16px;
  --radius-sm:12px;
  --max: 1120px;
}

*{box-sizing:border-box}
html,body{height:100%}
body{
  margin:0;
  font-family: Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, "Noto Sans";
  color:var(--text);
  background: var(--bg);
  line-height:1.6;
}

a{color:var(--blue); text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%; height:auto; display:block}

.container{max-width:var(--max); margin:0 auto; padding:0 18px}
.skip-link{
  position:absolute; left:-999px; top:10px;
  background:#000; color:#fff; padding:10px 12px; border-radius:10px;
}
.skip-link:focus{left:12px; z-index:9999}

/* Header + Navigation */
.site-header{
  position:sticky; top:0; z-index:50;
  background: rgba(255,255,255,.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.header-inner{
  display:flex; align-items:center; justify-content:space-between;
  min-height:68px;
  gap:14px;
}
.brand{display:flex; align-items:center; gap:10px; color:var(--text)}
.brand-mark{
  width:34px; height:34px;
  border-radius:10px;
  background: linear-gradient(135deg, var(--blue), var(--blue-2));
  color:#fff;
  display:grid; place-items:center;
  font-weight:700;
}
.brand-text{font-weight:700; letter-spacing:.2px}
.nav{display:flex; gap:16px; align-items:center}
.nav a{
  color: var(--text);
  font-weight:500;
  padding:8px 10px;
  border-radius:10px;
}
.nav a:hover{background: var(--blue-soft); text-decoration:none}
.nav a.active{background: var(--blue-soft); color: var(--blue)}

.nav-toggle{
  display:none;
  border:1px solid var(--line);
  background:#fff;
  border-radius:12px;
  padding:10px 12px;
  font-weight:600;
}

.mobile-nav{
  display:none;
  padding: 10px 18px 16px;
}
.mobile-nav a{
  display:block;
  padding:12px 12px;
  border-radius:12px;
  color:var(--text);
}
.mobile-nav a:hover{background:var(--blue-soft); text-decoration:none}
.mobile-nav a.active{background:var(--blue-soft); color:var(--blue)}

/* Hero */
.hero{
  background:
    radial-gradient(900px 500px at 20% 0%, rgba(11,102,255,.10), transparent 60%),
    radial-gradient(700px 420px at 85% 15%, rgba(47,139,255,.10), transparent 55%);
  border-bottom:1px solid var(--line);
}
.hero-inner{
  display:grid;
  grid-template-columns: 1.3fr .9fr;
  gap:18px;
  padding: 28px 0 26px;
  align-items: start;
}
.hero-copy{padding: 6px 0}
.hero h1{
  margin:0 0 10px;
  font-size: clamp(28px, 4vw, 44px);
  line-height:1.12;
  letter-spacing: -0.02em;
}
.hero p{margin:0 0 12px; color:var(--muted); font-size: 16.5px}
.note{
  font-size: 14px;
  color: var(--muted);
  background: rgba(11,102,255,.06);
  border: 1px solid rgba(11,102,255,.16);
  padding: 12px 12px;
  border-radius: 14px;
}

.hero-card{
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 16px;
}
.stat-grid{
  display:grid;
  grid-template-columns: repeat(2, minmax(0,1fr));
  gap: 10px;
  margin-bottom: 12px;
}
.stat{
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 12px;
  background: var(--soft);
}
.stat-num{font-size: 22px; font-weight: 800; color: var(--text)}
.stat-label{font-size: 13px; color: var(--muted)}
.mini-cta p{margin:0 0 10px; color:var(--muted); font-size:14.5px}

/* Buttons */
.btn-row{display:flex; gap:10px; flex-wrap:wrap}
.btn{
  display:inline-flex; align-items:center; justify-content:center;
  gap:8px;
  padding: 12px 14px;
  border-radius: 14px;
  border: 1px solid transparent;
  font-weight: 700;
  text-decoration:none;
  transition: transform .06s ease, background .12s ease, border-color .12s ease;
}
.btn:hover{transform: translateY(-1px); text-decoration:none}
.btn:active{transform: translateY(0)}
.btn-primary{background: var(--blue); color:#fff}
.btn-primary:hover{background: #0a5ae0}
.btn-ghost{
  background: #fff;
  color: var(--text);
  border-color: var(--line);
}
.btn-ghost:hover{background: var(--soft)}
.btn-small{padding: 10px 12px; border-radius: 12px; font-weight: 700; font-size: 14px}

/* Sections + cards */
.section{padding: 26px 0}
.section-soft{background: var(--soft); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line)}
.section h2{margin:0 0 10px; font-size: 22px}
.cards{
  display:grid;
  grid-template-columns: repeat(4, minmax(0,1fr));
  gap: 12px;
  margin-top: 14px;
}
.card{
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background:#fff;
  padding: 14px;
  box-shadow: 0 8px 20px rgba(10,25,60,.05);
}
.card-title{margin:0 0 8px; font-size:18px}
.card p{margin:0 0 12px; color: var(--muted)}

.split{
  display:grid;
  grid-template-columns: 1.15fr .85fr;
  gap: 12px;
  margin-top: 16px;
}
.panel{
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background:#fff;
  padding: 14px;
}
.panel p{color:var(--muted); margin:0 0 12px}
.cta-with-image .cta-img{
  background: var(--soft);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 10px;
  margin-bottom: 10px;
}

/* Table */
.table-wrap{
  overflow:auto;
  border: 1px solid var(--line);
  border-radius: 14px;
  background:#fff;
}
table{
  width:100%;
  border-collapse: collapse;
  min-width: 520px;
}
th,td{
  text-align:left;
  padding: 12px 12px;
  border-bottom: 1px solid var(--line);
  vertical-align: top;
}
th{
  background: rgba(11,102,255,.06);
  font-size: 14px;
}
td{color: var(--muted); font-size: 14.5px}

/* Lists */
.checklist{
  margin: 14px 0 0;
  padding: 0 0 0 18px;
  color: var(--muted);
}
.checklist li{margin: 6px 0}

/* FAQ */
.faq details{
  border: 1px solid var(--line);
  border-radius: 14px;
  background:#fff;
  padding: 12px 12px;
  margin: 10px 0;
}
.faq summary{
  cursor:pointer;
  font-weight: 700;
}
.faq-body p{margin: 10px 0 0; color: var(--muted)}

/* CTA strip */
.cta-strip{
  margin-top: 18px;
  border: 1px solid rgba(11,102,255,.16);
  background: rgba(11,102,255,.06);
  border-radius: var(--radius);
  padding: 14px;
  display:flex;
  align-items:center;
  justify-content: space-between;
  gap: 12px;
}
.cta-strip h2{margin:0 0 6px}
.cta-strip p{margin:0; color: var(--muted)}

/* Page layout */
.page{padding: 22px 0 26px}
.page-head{padding: 6px 0 10px}
.page-head h1{
  margin:0 0 10px;
  font-size: clamp(26px, 3.6vw, 40px);
  line-height:1.15;
  letter-spacing:-0.02em;
}
.lead{margin:0; color:var(--muted); font-size: 16.5px}

.content-grid{
  display:grid;
  grid-template-columns: 1.25fr .75fr;
  gap: 14px;
  align-items: start;
}
.content{min-width:0}
.content-wide{max-width: 860px}
.content h2{margin: 18px 0 10px; font-size: 22px}
.content p{margin: 0 0 12px; color: var(--muted); font-size: 16px}
.content h3{margin: 16px 0 8px; font-size: 18px}
.sidebar .panel{margin-bottom: 12px}
.side-links{display:flex; gap:10px; flex-wrap:wrap}

/* Footer */
.site-footer{
  border-top: 1px solid var(--line);
  background:#fff;
  padding: 18px 0 20px;
}
.footer-inner{
  display:flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 12px;
}
.footer-title{font-weight:800; margin-bottom:8px}
.footer-links{display:flex; flex-wrap:wrap; gap: 12px}
.footer-links a{color: var(--muted)}
.footer-links a.active{color: var(--text)}
.powered{color: var(--muted)}
.smallprint{color: var(--muted); font-size: 13px; margin-top: 6px}

/* Headings h1-h4 styling (explicit) */
h1{color:var(--text)}
h2{color:var(--text)}
h3{color:var(--text)}
h4{color:var(--text); margin: 12px 0 8px; font-size: 16px}

/* Responsive */
@media (max-width: 980px){
  .cards{grid-template-columns: repeat(2, minmax(0,1fr))}
  .hero-inner{grid-template-columns: 1fr; padding: 22px 0 18px}
  .split{grid-template-columns: 1fr}
  .content-grid{grid-template-columns: 1fr}
}
@media (max-width: 720px){
  .nav{display:none}
  .nav-toggle{display:inline-flex}
  .mobile-nav{display:block}
  .cards{grid-template-columns: 1fr}
  .cta-strip{flex-direction: column; align-items:flex-start}
}