*,
*::before,
*::after { box-sizing: border-box; }

:root {
  --ink: #0b1c33;
  --text: #16324d;
  --muted: #3d5874;
  --blue: #1557c0;
  --blue-dark: #0c3d7a;
  --navy: #07182e;
  --line: #d5e4f4;
  --paper: #ffffff;
  --mist: #f3f7fb;
  --ice: #eaf3fc;
  --serif: "Iowan Old Style", Palatino, "Palatino Linotype", Georgia, serif;
  --sans: "Avenir Next", "Segoe UI", sans-serif;
}

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--sans);
  color: var(--text);
  background: var(--mist);
  font-size: 1.0625rem;
  line-height: 1.65;
}

h1, h2, h3 {
  font-family: var(--serif);
  font-weight: 600;
  letter-spacing: -0.03em;
  line-height: 1.15;
  color: var(--ink);
}

h1 {
  font-size: clamp(2.4rem, 5vw, 4.35rem);
  margin: 0.15rem 0 0.75rem;
  text-wrap: balance;
}

h2 {
  font-size: clamp(1.65rem, 3vw, 2.3rem);
  margin: 0 0 0.75rem;
  text-wrap: balance;
}

h3 {
  font-size: 1.22rem;
  margin: 0 0 0.35rem;
}

p { margin: 0 0 0.9rem; }

a { color: var(--blue); }

img { max-width: 100%; }

::selection { background: #c5dcff; }

:focus-visible {
  outline: 3px solid #1d6fe8;
  outline-offset: 3px;
}

.hero :focus-visible,
.cta-band :focus-visible,
.site-footer :focus-visible,
.topbar :focus-visible {
  outline-color: #fff;
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .btn { transition: none; }
}

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.skip {
  position: absolute;
  left: 1rem;
  top: -3rem;
  background: #fff;
  color: var(--ink);
  padding: 0.5rem 0.8rem;
  z-index: 40;
  border-radius: 8px;
}

.skip:focus { top: 0.6rem; }

.wrap {
  width: min(1120px, calc(100% - 2rem));
  margin-inline: auto;
}

.eyebrow {
  margin: 0 0 0.4rem;
  color: var(--blue);
  font-size: 0.82rem;
  font-weight: 700;
}

.eyebrow-light { color: #b9d6f8; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(14px);
  box-shadow: 0 1px 0 rgba(10, 34, 68, 0.06);
}

.topbar {
  background: var(--navy);
  color: #c5d9ef;
  font-size: 0.82rem;
}

.topbar-inner {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.45rem 0;
}

.bar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 72px;
  gap: 1rem;
}

.logo {
  display: inline-flex;
  align-items: center;
  gap: 0.65rem;
  color: var(--ink);
  text-decoration: none;
  font-weight: 700;
  letter-spacing: -0.02em;
}

.logo svg { width: 32px; height: 32px; flex: none; }

.nav {
  display: none;
  position: absolute;
  left: 0;
  right: 0;
  top: 100%;
  flex-direction: column;
  align-items: stretch;
  gap: 0.2rem;
  background: #fff;
  padding: 0.4rem 1.25rem 1.1rem;
  border-bottom: 1px solid var(--line);
}

.nav > a:not(.btn) {
  color: #23405f;
  text-decoration: none;
  font-weight: 600;
}

.nav > a[aria-current="page"] { color: var(--blue); }

.bar { position: relative; }

.nav-toggle {
  display: inline-flex;
  position: relative;
  width: 44px;
  height: 44px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: #fff;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  cursor: pointer;
}

.nav-toggle span:not(.sr-only) {
  display: block;
  width: 18px;
  height: 2px;
  background: var(--ink);
  border-radius: 2px;
}

@media (min-width: 901px) {
  .nav-toggle { display: none; }

  .nav {
    display: flex;
    position: static;
    flex-direction: row;
    align-items: center;
    gap: 1.15rem;
    background: transparent;
    padding: 0;
    border: 0;
  }
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  border-radius: 999px;
  padding: 0.85rem 1.15rem;
  text-decoration: none;
  font-weight: 700;
  border: 1px solid transparent;
  line-height: 1.2;
}

.btn .ico { width: 16px; height: 16px; flex: none; }

.btn-primary {
  background: var(--blue);
  color: #fff;
  border-color: var(--blue);
}

.btn-primary:hover { background: #0f47a1; }

.btn-small {
  padding: 0.55rem 0.9rem;
  font-size: 0.92rem;
  background: var(--blue);
  color: #fff;
}

.btn-light {
  background: #fff;
  color: var(--blue-dark);
}

.btn-light:hover { background: #e7f1ff; }

.btn-ghost {
  background: transparent;
  color: var(--blue-dark);
  border-color: #b9d0ea;
}

.hero {
  background-color: var(--navy);
  background-image:
    radial-gradient(900px 420px at 92% -10%, rgba(126, 182, 255, 0.38), transparent 55%),
    linear-gradient(180deg, rgba(255, 255, 255, 0.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.035) 1px, transparent 1px),
    linear-gradient(165deg, #07182e 0%, #0d3f86 72%, #1a6fd4 140%);
  background-size: auto, 52px 52px, 52px 52px, auto;
  color: #e7f1ff;
  padding: 4.2rem 0 6.4rem;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.45fr 0.8fr;
  gap: 2.5rem;
  align-items: end;
}

.hero h1 { color: #fff; max-width: 15ch; }

.hero-lead {
  max-width: 38ch;
  color: #d5e6f8;
  font-size: 1.12rem;
}

.hero-actions,
.page-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.8rem 1.15rem;
  margin: 1.3rem 0 0.7rem;
}

.hero .btn-primary {
  background: #fff;
  color: var(--blue-dark);
  border-color: #fff;
}

.hero .btn-primary:hover { background: #e7f1ff; }

.hero-actions a:not(.btn),
.cta-actions a:not(.btn) {
  color: #d6e8ff;
  text-underline-offset: 0.18em;
}

.disclosure {
  color: rgba(214, 232, 255, 0.82);
  font-size: 0.88rem;
  max-width: 52ch;
}

.hero-panel {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 18px;
  padding: 1.25rem 1.3rem 1.35rem 1.45rem;
}

.panel-kicker {
  margin: 0 0 0.7rem;
  color: #b9d6f8;
  font-weight: 700;
  font-size: 0.82rem;
}

.hero-panel ol {
  margin: 0;
  padding-left: 1.15rem;
  color: #fff;
}

.hero-panel li + li { margin-top: 0.75rem; }

.answer {
  position: relative;
  margin-top: -3.2rem;
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 20px;
  padding: 1.5rem 1.6rem 1.35rem;
  box-shadow: 0 18px 50px rgba(10, 34, 68, 0.1);
}

.speakable { font-size: 1.12rem; color: var(--ink); }

.define { margin: 1rem 0 0; }
.define dt { font-weight: 700; color: var(--ink); }
.define dd { margin: 0.3rem 0 0; max-width: 75ch; }

.toc {
  display: flex;
  flex-wrap: wrap;
  gap: 0.55rem 0.8rem;
  align-items: center;
  margin-top: 1.5rem;
}

.toc p {
  margin: 0;
  font-weight: 700;
  color: var(--ink);
  font-size: 0.92rem;
}

.toc ol {
  display: flex;
  flex-wrap: wrap;
  gap: 0.45rem;
  list-style: none;
  padding: 0;
  margin: 0;
}

.toc a {
  display: inline-block;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 0.32rem 0.75rem;
  text-decoration: none;
  font-size: 0.92rem;
}

.toc a:hover { border-color: var(--blue); }

.section { margin-top: 3.4rem; }

.section-head p:last-child { max-width: 62ch; color: var(--muted); }

.prose p,
.prose li { max-width: 68ch; }

.prose ol,
.prose ul { padding-left: 1.2rem; }

.prose li + li { margin-top: 0.35rem; }

.section-more { margin-top: 1rem; }

.card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.9rem;
}

.card,
.faq,
.measure {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 16px;
}

.card { padding: 1.15rem 1.15rem 1.2rem; }

.card p,
.measure p,
.faq p { color: var(--muted); margin-bottom: 0; }

.card-index {
  margin: 0 0 0.35rem;
  color: var(--blue);
  font-family: var(--serif);
  font-size: 1.15rem;
}

.card-link {
  text-decoration: none;
  color: inherit;
  display: block;
}

.card-link:hover { border-color: var(--blue); }

.steps {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 0.8rem;
  counter-reset: step;
}

.steps li {
  position: relative;
  counter-increment: step;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 1.05rem 1.15rem 1.1rem 4.4rem;
}

.steps li::before {
  content: counter(step, decimal-leading-zero);
  position: absolute;
  left: 1.1rem;
  top: 1.05rem;
  color: var(--blue);
  font-family: var(--serif);
  font-size: 1.25rem;
}

.steps p { margin: 0; color: var(--muted); max-width: 68ch; }

.table-wrap {
  overflow-x: auto;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
}

table { width: 100%; border-collapse: collapse; min-width: 680px; }

caption {
  text-align: left;
  caption-side: top;
  padding: 1rem 1rem 0.4rem;
  font-weight: 700;
  color: var(--ink);
}

th, td {
  text-align: left;
  padding: 0.85rem 1rem;
  border-top: 1px solid #e4eef7;
  vertical-align: top;
}

thead th {
  background: var(--ice);
  border-top: 0;
  color: var(--ink);
}

tbody th { color: var(--ink); }

.cta-band {
  margin-top: 3.4rem;
  background: linear-gradient(145deg, #07182e, #0e4ea6 70%);
  color: #fff;
  border-radius: 22px;
  padding: 1.7rem 1.6rem;
  display: grid;
  grid-template-columns: 1.4fr auto;
  gap: 1.5rem;
  align-items: center;
}

.cta-band h2,
.cta-band p { color: #fff; }

.cta-band p { margin: 0; max-width: 58ch; }

.cta-actions {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 0.75rem;
}

.faq-list { display: grid; gap: 0.75rem; }

.faq { padding: 1.05rem 1.15rem 1.15rem; }

.editorial {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 1.2rem 1.3rem 0.4rem;
}

.page { padding: 1.6rem 0 3.5rem; }

.page-head { max-width: 760px; margin-bottom: 1.6rem; }

.page-head h1 { font-size: clamp(2.2rem, 4vw, 3.5rem); }

.byline { color: var(--muted); font-size: 0.95rem; }

.crumbs ol {
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem 0.4rem;
  list-style: none;
  padding: 0;
  margin: 0 0 1.2rem;
  font-size: 0.92rem;
}

.crumbs li:not(:last-child)::after {
  content: "/";
  margin-left: 0.4rem;
  color: #8aa4be;
}

.crumbs [aria-current="page"] { color: var(--ink); }

.stack { display: grid; gap: 0.85rem; }

.measure {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.9rem 1rem;
  padding: 1.15rem 1.25rem 1.25rem;
}

.measure h2 { font-size: 1.55rem; }

.measure p + p { margin-top: 0.45rem; }

.site-footer {
  background: var(--navy);
  color: #c5d7ea;
  margin-top: 3.5rem;
  padding: 2.4rem 0 1.2rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 0.8fr 1.1fr;
  gap: 2rem;
}

.footer-brand {
  margin: 0 0 0.4rem;
  color: #fff;
  font-family: var(--serif);
  font-size: 1.6rem;
}

.footer-label {
  margin: 0 0 0.45rem;
  color: #fff;
  font-weight: 700;
}

.site-footer ul { list-style: none; padding: 0; margin: 0; }

.site-footer li + li { margin-top: 0.35rem; }

.site-footer a { color: #d6e8ff; }

.site-footer .btn-light {
  color: var(--blue-dark);
  text-decoration: none;
  margin-top: 0.4rem;
}

.footer-base {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  margin-top: 1.6rem;
  padding-top: 1rem;
  font-size: 0.9rem;
}

.footer-base p { max-width: 85ch; }

.nav.is-open { display: flex; }

@media (max-width: 900px) {

  .nav > a:not(.btn) { padding: 0.7rem 0; }

  .nav .btn { justify-content: center; margin: 0.4rem 0 0.2rem; }

  .hero { padding: 2.6rem 0 5.4rem; }

  .hero-grid,
  .card-grid,
  .cta-band,
  .footer-grid,
  .measure { grid-template-columns: 1fr; }

  .hero h1 { max-width: none; }

  .topbar-inner { flex-direction: column; gap: 0.15rem; }

  .cta-band { padding: 1.3rem; }
}