:root {
  --navy: #173f67;
  --blue: #65c7f2;
  --sky: #eaf8ff;
  --yellow: #ffd85a;
  --coral: #ff7f7d;
  --mint: #dff7e8;
  --paper: #fffdf8;
  --muted: #55728d;
  --line: #cde8f5;
  --shadow: 0 18px 45px rgba(23, 63, 103, .12);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--navy);
  background:
    radial-gradient(circle at 8% 4%, rgba(255,216,90,.35), transparent 20rem),
    radial-gradient(circle at 92% 18%, rgba(255,127,125,.2), transparent 22rem),
    linear-gradient(180deg, var(--sky), #fff 34rem);
  font: 17px/1.7 system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}
a { color: #075c94; text-underline-offset: 3px; }
a:hover { color: #003f68; }
.skip { position: absolute; left: -9999px; }
.skip:focus { left: 1rem; top: 1rem; z-index: 10; background: #fff; padding: .75rem; border-radius: .6rem; }
.site-header { padding: 1rem clamp(1rem, 4vw, 3rem); }
.nav { max-width: 1120px; margin: auto; display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.brand { display: flex; align-items: center; gap: .7rem; color: var(--navy); text-decoration: none; font-weight: 850; }
.brand img { width: 46px; height: 46px; object-fit: contain; }
.nav-links { display: flex; flex-wrap: wrap; justify-content: flex-end; gap: .4rem 1rem; }
.nav-links a { color: var(--navy); font-weight: 700; text-decoration: none; }
.hero, .page-hero { max-width: 1120px; margin: 2rem auto 4rem; padding: clamp(1.5rem, 5vw, 4rem); }
.hero { display: grid; grid-template-columns: 1.25fr .75fr; align-items: center; gap: 2rem; background: rgba(255,255,255,.82); border: 2px solid #fff; border-radius: 2.2rem; box-shadow: var(--shadow); }
.hero img { width: min(100%, 360px); justify-self: center; filter: drop-shadow(0 18px 15px rgba(23,63,103,.16)); }
.eyebrow { display: inline-block; padding: .35rem .8rem; border-radius: 999px; background: var(--yellow); font-size: .86rem; font-weight: 850; letter-spacing: .04em; text-transform: uppercase; }
h1, h2, h3 { line-height: 1.16; }
h1 { margin: .8rem 0 1rem; font-size: clamp(2.25rem, 7vw, 4.75rem); letter-spacing: -.045em; }
.page-hero h1 { font-size: clamp(2.1rem, 6vw, 4rem); }
h2 { margin-top: 2.2rem; font-size: clamp(1.4rem, 3vw, 2rem); }
h3 { margin-top: 1.6rem; }
.lead { font-size: clamp(1.08rem, 2vw, 1.3rem); color: var(--muted); max-width: 46rem; }
.actions { display: flex; flex-wrap: wrap; gap: .75rem; margin-top: 1.5rem; }
.button { display: inline-block; padding: .8rem 1.1rem; border-radius: 1rem; background: var(--navy); color: #fff; font-weight: 800; text-decoration: none; box-shadow: 0 7px 0 #0b2945; }
.button.secondary { color: var(--navy); background: var(--yellow); box-shadow: 0 7px 0 #d5ad25; }
.content { max-width: 900px; margin: 0 auto 5rem; padding: 0 1.2rem; }
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin: 1.5rem 0; }
.card, .notice { background: rgba(255,255,255,.92); border: 2px solid var(--line); border-radius: 1.3rem; padding: 1.25rem; box-shadow: 0 9px 24px rgba(23,63,103,.07); }
.card h2, .card h3 { margin-top: 0; }
.notice { border-left: 8px solid var(--yellow); }
.notice.good { border-left-color: #57c88b; background: #f4fff8; }
.meta { color: var(--muted); font-size: .95rem; }
.checklist { padding-left: 1.4rem; }
.checklist li { margin: .6rem 0; }
.facts { width: 100%; border-collapse: collapse; margin: 1rem 0 2rem; background: #fff; }
.facts th, .facts td { padding: .8rem; border: 1px solid var(--line); text-align: left; vertical-align: top; }
.facts th { width: 34%; background: #f3fbff; }
.site-footer { background: var(--navy); color: #fff; padding: 2.5rem 1.2rem; }
.footer-inner { max-width: 900px; margin: auto; display: flex; flex-wrap: wrap; justify-content: space-between; gap: 1rem 2rem; }
.site-footer a { color: #fff; }
.legal-nav { display: flex; flex-wrap: wrap; gap: .5rem 1.2rem; }
code { padding: .15rem .35rem; border-radius: .4rem; background: #e8f3f9; }

@media (max-width: 760px) {
  .nav { align-items: flex-start; flex-direction: column; }
  .nav-links { justify-content: flex-start; }
  .hero { grid-template-columns: 1fr; margin: 1rem; }
  .hero img { order: -1; max-height: 330px; }
  .cards { grid-template-columns: 1fr; }
  .facts th, .facts td { display: block; width: 100%; }
  .facts th { border-bottom: 0; }
}

@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }