:root {
  --bg: #f4f8ff;
  --text: #102a4f;
  --muted: #355685;
  --border: #bdd0ec;
  --panel: #e7effd;
  --panel-dark: #1f4c89;
  --panel-dark-hover: #173d72;
  --accent-blue: #203870;
  --accent-teal: #2f9ea3;
  --radius: 16px;
  --container: 1120px;
}

* {
  box-sizing: border-box;
}

html,
body {
  margin: 0;
  padding: 0;
  background: var(--bg);
  color: var(--text);
  font-family: "Segoe UI", "Trebuchet MS", Verdana, sans-serif;
  line-height: 1.5;
}

a {
  color: #17467f;
  text-decoration: underline;
  text-underline-offset: 4px;
}

img {
  max-width: 100%;
  height: auto;
}

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 16px;
}

.section {
  padding: 0 0 48px;
}

.section-title {
  margin: 0;
  font-size: 1.5rem;
  line-height: 1.2;
}

.subheading {
  margin: 0;
  font-size: 1rem;
  line-height: 1.3;
}

.mt-2 {
  margin-top: 8px;
}

.mt-3 {
  margin-top: 12px;
}

.mt-4 {
  margin-top: 16px;
}

.panel {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  background: #ffffff;
  box-shadow: 0 1px 0 rgba(16, 42, 79, 0.04);
}

.panel-muted {
  background: var(--panel);
}

.muted {
  color: var(--muted);
}

.small {
  font-size: 0.78rem;
}

.site-header {
  border-bottom: 1px solid var(--border);
  background: #102746;
  margin-bottom: 24px;
}

.header-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding-top: 16px;
  padding-bottom: 16px;
}

.brand {
  text-decoration: none;
  line-height: 0;
}

.site-logo {
  display: block;
  width: auto;
  max-height: 56px;
}

.desktop-nav {
  display: flex;
  gap: 18px;
}

.nav-link {
  text-decoration: none;
  font-size: 0.92rem;
  color: #b4c2dc;
}

.nav-link:hover,
.nav-link.is-active {
  color: #ffffff;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 12px;
}

.mobile-nav-wrap {
  display: none;
  padding-bottom: 12px;
}

.header-separation {
  border-top: 1px solid var(--border);
  padding: 12px 0 14px;
}

.segment-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
}

.segment-card {
  border: 1px solid var(--border);
  border-radius: 12px;
  background: #1a3a6d;
  padding: 12px 14px;
  text-decoration: none;
  display: grid;
  gap: 4px;
}

.segment-card strong {
  font-size: 0.95rem;
  line-height: 1.25;
  color: #ffffff;
}

.segment-card span {
  color: #d5e5ff;
  font-size: 0.82rem;
  line-height: 1.35;
}

.segment-card .segment-label {
  text-transform: uppercase;
  letter-spacing: 0.04em;
  font-size: 0.72rem;
  font-weight: 700;
  color: #b9c8e3;
}

.segment-card:hover {
  background: #21447d;
}

.segment-card:first-child {
  border-color: #2f4f8f;
}

.segment-card:first-child .segment-label {
  color: #9eb6e5;
}

.segment-card:last-child {
  border-color: #2f8e95;
}

.segment-card:last-child .segment-label {
  color: #8fd8d6;
}

.mobile-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 14px;
}

.mobile-nav-link {
  text-decoration: none;
  font-size: 0.92rem;
  color: #b4c2dc;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 10px;
  padding: 10px 16px;
  font-size: 0.9rem;
  font-weight: 600;
  text-decoration: none;
  border: 1px solid transparent;
  cursor: pointer;
}

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

.btn-primary:hover {
  background: var(--panel-dark-hover);
}

.btn-outline {
  background: #ffffff;
  color: #143e75;
  border-color: #8ea9d1;
}

.btn-outline:hover {
  background: #e8f0fd;
}

.hero {
  padding-bottom: 36px;
}

.hero-panel {
  padding: 32px;
}

.eyebrow {
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  color: #9fb2d5;
}

.hero-title {
  margin: 10px 0 0;
  font-size: 2.35rem;
  line-height: 1.15;
}

.hero-subtitle {
  margin: 14px 0 0;
  max-width: 760px;
  color: var(--muted);
  font-size: 1.05rem;
}

.hero-actions {
  margin-top: 24px;
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.hero-note {
  margin: 18px 0 0;
  color: #46658f;
  font-size: 0.8rem;
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
}

.trust-title {
  font-size: 0.92rem;
  font-weight: 700;
}

.trust-desc {
  margin-top: 4px;
  font-size: 0.8rem;
  color: var(--muted);
}

.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 24px;
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}

.card-title {
  margin: 0;
  font-size: 1.25rem;
  line-height: 1.2;
}

.list {
  margin: 0;
  padding-left: 20px;
  color: var(--muted);
}

.list li + li {
  margin-top: 6px;
}

.list.ordered {
  list-style: decimal;
}

.faq-list {
  display: grid;
  gap: 12px;
  margin-top: 16px;
}

.faq-item {
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 14px 16px;
  background: #ffffff;
}

.faq-item summary {
  font-size: 0.92rem;
  font-weight: 700;
  cursor: pointer;
}

.faq-item p {
  margin: 12px 0 4px;
  color: var(--muted);
  font-size: 0.92rem;
}

.contact-grid {
  align-items: start;
}

.notice-success {
  border-color: #8ea9d0;
  margin-bottom: 14px;
  background: #e8f1ff;
}

.notice-error {
  border-color: #fecaca;
  background: #fef2f2;
  margin-bottom: 14px;
}

.contact-form {
  margin-top: 0;
}

.contact-form .form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

.contact-form label {
  display: block;
  font-size: 0.9rem;
}

.contact-form label span {
  display: block;
  margin-bottom: 6px;
  font-weight: 600;
}

.contact-form input,
.contact-form select,
.contact-form textarea {
  width: 100%;
  border: 1px solid #9fb7dd;
  border-radius: 10px;
  padding: 10px 12px;
  font: inherit;
  color: var(--text);
  background: #ffffff;
}

.contact-form small {
  display: block;
  margin-top: 8px;
  color: #4e678f;
  font-size: 0.78rem;
}

.hp-field {
  position: absolute;
  left: -999em;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.prose h2 {
  margin: 0 0 10px;
  font-size: 1.25rem;
}

.prose h2 + p,
.prose p + h2,
.prose ul + h2 {
  margin-top: 16px;
}

.prose p,
.prose li {
  color: var(--muted);
}

.site-footer {
  border-top: 1px solid var(--border);
  margin-top: 24px;
}

.footer-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 30px;
  padding-top: 36px;
  padding-bottom: 36px;
}

.footer-heading {
  margin: 0;
  font-size: 0.95rem;
}

.footer-links {
  margin: 12px 0 0;
  padding: 0;
  list-style: none;
}

.footer-links li + li {
  margin-top: 8px;
}

.footer-links a {
  text-decoration: none;
  color: var(--muted);
}

.footer-links a:hover {
  color: var(--text);
}

.footer-bottom {
  border-top: 1px solid var(--border);
  padding: 16px 0;
}

.footer-bottom-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  font-size: 0.78rem;
  color: #8ea3ca;
}

.footer-bottom-row p {
  margin: 0;
}

@media (max-width: 980px) {
  .desktop-nav,
  .desktop-call {
    display: none;
  }

  .mobile-nav-wrap {
    display: block;
  }

  .hero-title {
    font-size: 1.95rem;
  }

  .trust-grid,
  .grid-2,
  .grid-3,
  .segment-grid,
  .contact-form .form-grid,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .footer-bottom-row {
    flex-direction: column;
    align-items: flex-start;
  }
}

@media (max-width: 640px) {
  .header-row {
    flex-wrap: wrap;
  }

  .header-actions {
    width: 100%;
    justify-content: flex-start;
  }

  .btn {
    width: auto;
  }

  .hero-panel,
  .panel {
    padding: 20px;
  }

  .hero-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .hero-actions .btn {
    width: 100%;
  }
}