@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700&family=Playfair+Display:wght@400;600;700&display=swap');

:root {
  --clr-bg:        #F7F8FA;
  --clr-surface:   #FFFFFF;
  --clr-border:    #E2E6EE;
  --clr-navy:      #1A2B4A;
  --clr-navy-mid:  #2C4270;
  --clr-accent:    #3A6BC8;
  --clr-accent-lt: #EEF3FB;
  --clr-text:      #1E2A3A;
  --clr-muted:     #6B7A93;
  --clr-white:     #FFFFFF;
  --clr-footer-bg: #111C2E;
  --ff-display: 'Playfair Display', Georgia, serif;
  --ff-body:    'Inter', system-ui, sans-serif;
  --rad-sm:  4px;
  --rad-md:  8px;
  --rad-lg:  14px;
  --shadow-sm: 0 1px 4px rgba(26,43,74,.07);
  --shadow-md: 0 4px 20px rgba(26,43,74,.10);
  --shadow-lg: 0 8px 40px rgba(26,43,74,.13);
  --container: 1160px;
  --transition: .22s ease;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--ff-body);
  font-size: 16px;
  line-height: 1.65;
  color: var(--clr-text);
  background: var(--clr-bg);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, textarea, select { font-family: inherit; font-size: 1rem; }

.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: 24px;
}
.section { padding-block: 80px; }
.section--alt { background: var(--clr-surface); }

h1, h2, h3, h4, h5 {
  font-family: var(--ff-display);
  color: var(--clr-navy);
  line-height: 1.22;
}
h1 { font-size: clamp(2rem, 4vw, 3rem); font-weight: 700; }
h2 { font-size: clamp(1.5rem, 3vw, 2.2rem); font-weight: 600; }
h3 { font-size: clamp(1.1rem, 2vw, 1.4rem); font-weight: 600; }
h4 { font-size: 1.05rem; font-weight: 600; }
p  { color: var(--clr-text); }
.lead { font-size: 1.125rem; color: var(--clr-muted); line-height: 1.75; }
.eyebrow {
  font-size: .78rem;
  font-weight: 600;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--clr-accent);
  display: block;
  margin-bottom: 12px;
}
.text-muted { color: var(--clr-muted); }

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 28px;
  border-radius: var(--rad-md);
  font-size: .93rem;
  font-weight: 600;
  transition: var(--transition);
  white-space: nowrap;
}
.btn-primary {
  background: var(--clr-accent);
  color: var(--clr-white);
}
.btn-primary:hover { background: var(--clr-navy-mid); transform: translateY(-1px); box-shadow: var(--shadow-md); }
.btn-outline {
  border: 2px solid var(--clr-accent);
  color: var(--clr-accent);
  background: transparent;
}
.btn-outline:hover { background: var(--clr-accent); color: var(--clr-white); }
.btn-ghost {
  color: var(--clr-accent);
  font-weight: 600;
  padding-inline: 0;
}
.btn-ghost:hover { color: var(--clr-navy); }

.site-header {
  position: sticky;
  top: 0;
  z-index: 900;
  background: var(--clr-surface);
  border-bottom: 1px solid var(--clr-border);
  box-shadow: var(--shadow-sm);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}
.site-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
  text-decoration: none;
}
.logo-mark {
  width: 38px;
  height: 38px;
  border-radius: var(--rad-sm);
  background: var(--clr-accent);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.logo-mark svg {
  width: 22px;
  height: 22px;
  color: #fff;
  fill: #fff;
}
.site-name {
  font-family: var(--ff-display);
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--clr-navy);
  letter-spacing: -.01em;
}

.nav-list {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-list a {
  padding: 8px 13px;
  border-radius: var(--rad-sm);
  font-size: .88rem;
  font-weight: 500;
  color: var(--clr-muted);
  transition: var(--transition);
}
.nav-list a:hover,
.nav-list a.active {
  color: var(--clr-navy);
  background: var(--clr-accent-lt);
}
.nav-list a.active { color: var(--clr-accent); }

.nav-dropdown { position: relative; }
.nav-dropdown > a {
  display: flex;
  align-items: center;
  gap: 5px;
}
.nav-dropdown > a .drop-caret {
  width: 12px;
  height: 12px;
  fill: currentColor;
  transition: transform .2s ease;
}
.nav-dropdown:hover > a .drop-caret { transform: rotate(180deg); }
.dropdown-menu {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: var(--clr-surface);
  border: 1px solid var(--clr-border);
  border-radius: var(--rad-md);
  box-shadow: var(--shadow-md);
  min-width: 240px;
  z-index: 100;
  padding: 6px;
}
.nav-dropdown:hover .dropdown-menu { display: block; }
.dropdown-menu a {
  display: block;
  padding: 10px 14px;
  border-radius: var(--rad-sm);
  font-size: .88rem;
  color: var(--clr-text);
  transition: var(--transition);
}
.dropdown-menu a:hover { background: var(--clr-accent-lt); color: var(--clr-accent); }

.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 38px; height: 38px;
  border-radius: var(--rad-sm);
  padding: 6px;
}
.nav-toggle span {
  display: block;
  height: 2px;
  background: var(--clr-navy);
  border-radius: 2px;
  transition: var(--transition);
}
.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-nav {
  display: none;
  background: var(--clr-surface);
  border-top: 1px solid var(--clr-border);
  padding: 16px 0 24px;
}
.mobile-nav.open { display: block; }
.mobile-nav a {
  display: block;
  padding: 11px 24px;
  font-size: .95rem;
  font-weight: 500;
  color: var(--clr-text);
  border-radius: var(--rad-sm);
  transition: var(--transition);
}
.mobile-nav a:hover { background: var(--clr-accent-lt); color: var(--clr-accent); }
.mobile-nav .sub-links { padding-left: 20px; border-left: 2px solid var(--clr-border); margin: 4px 24px; }

.hero {
  position: relative;
  background: var(--clr-navy);
  overflow: hidden;
  padding-block: 100px 90px;
}
.hero-bg {
  position: absolute;
  inset: 0;
  background-image: url('https://images.unsplash.com/photo-1611974789855-9c2a0a7236a3?w=1600&auto=format&fit=crop&q=70');
  background-size: cover;
  background-position: center;
  opacity: .18;
}
.hero-content { position: relative; z-index: 1; max-width: 680px; }
.hero h1 { color: var(--clr-white); margin-bottom: 20px; }
.hero .lead { color: rgba(255,255,255,.78); margin-bottom: 36px; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 14px; }
.hero-stats {
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
  margin-top: 56px;
  padding-top: 40px;
  border-top: 1px solid rgba(255,255,255,.15);
}
.hero-stat-value {
  font-family: var(--ff-display);
  font-size: 2rem;
  font-weight: 700;
  color: var(--clr-white);
  line-height: 1;
}
.hero-stat-label {
  font-size: .82rem;
  color: rgba(255,255,255,.55);
  margin-top: 4px;
  font-weight: 500;
  letter-spacing: .04em;
  text-transform: uppercase;
}

.card {
  background: var(--clr-surface);
  border: 1px solid var(--clr-border);
  border-radius: var(--rad-lg);
  padding: 32px;
  transition: var(--transition);
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.card-icon {
  width: 52px; height: 52px;
  border-radius: var(--rad-md);
  background: var(--clr-accent-lt);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  color: var(--clr-accent);
}
.card-icon svg { width: 26px; height: 26px; fill: var(--clr-accent); }
.card h3 { margin-bottom: 10px; }
.card p { color: var(--clr-muted); font-size: .93rem; line-height: 1.65; }

.grid-2 { display: grid; grid-template-columns: repeat(2,1fr); gap: 28px; }
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; }

.section-header { text-align: center; margin-bottom: 56px; }
.section-header h2 { margin-bottom: 14px; }
.section-header p { max-width: 580px; margin-inline: auto; color: var(--clr-muted); }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.split-img { border-radius: var(--rad-lg); overflow: hidden; aspect-ratio: 4/3; }
.split-img img { width: 100%; height: 100%; object-fit: cover; }
.split-text .eyebrow { margin-bottom: 14px; }
.split-text h2 { margin-bottom: 18px; }
.split-text p { color: var(--clr-muted); margin-bottom: 14px; }
.split-text .btn { margin-top: 20px; }

.stat-strip {
  background: var(--clr-navy);
  padding-block: 56px;
}
.stat-strip .stats-grid {
  display: grid;
  grid-template-columns: repeat(4,1fr);
  gap: 32px;
  text-align: center;
}
.stat-num {
  font-family: var(--ff-display);
  font-size: 2.4rem;
  font-weight: 700;
  color: var(--clr-white);
}
.stat-label { font-size: .82rem; color: rgba(255,255,255,.5); text-transform: uppercase; letter-spacing: .08em; margin-top: 6px; }

.accordion-item {
  border: 1px solid var(--clr-border);
  border-radius: var(--rad-md);
  overflow: hidden;
  margin-bottom: 10px;
}
.accordion-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 18px 22px;
  background: var(--clr-surface);
  cursor: pointer;
  font-weight: 600;
  font-size: .97rem;
  color: var(--clr-navy);
  transition: var(--transition);
  gap: 12px;
}
.accordion-header:hover { background: var(--clr-accent-lt); }
.accordion-header .acc-icon {
  width: 18px;
  height: 18px;
  fill: var(--clr-accent);
  flex-shrink: 0;
  transition: transform .2s ease;
}
.accordion-header.open .acc-icon { transform: rotate(180deg); }
.accordion-body { display: none; padding: 0 22px 18px; color: var(--clr-muted); font-size: .93rem; line-height: 1.7; background: var(--clr-surface); }
.accordion-body.open { display: block; }

.data-table { width: 100%; border-collapse: collapse; font-size: .92rem; }
.data-table th {
  background: var(--clr-navy);
  color: var(--clr-white);
  font-weight: 600;
  padding: 13px 18px;
  text-align: left;
  font-size: .8rem;
  letter-spacing: .06em;
  text-transform: uppercase;
}
.data-table td { padding: 13px 18px; border-bottom: 1px solid var(--clr-border); color: var(--clr-text); }
.data-table tr:last-child td { border-bottom: none; }
.data-table tr:nth-child(even) td { background: #F9FAFB; }

.badge {
  display: inline-block;
  padding: 3px 10px;
  border-radius: 100px;
  font-size: .74rem;
  font-weight: 600;
  letter-spacing: .04em;
}
.badge-green  { background: #E4F5EC; color: #1A7A44; }
.badge-yellow { background: #FEF5E4; color: #8A5E0A; }
.badge-red    { background: #FDE8E8; color: #9B2020; }
.badge-blue   { background: var(--clr-accent-lt); color: var(--clr-accent); }

.progress-wrap { margin-bottom: 18px; }
.progress-label { display: flex; justify-content: space-between; font-size: .83rem; font-weight: 500; color: var(--clr-navy); margin-bottom: 7px; }
.progress-track { height: 8px; background: var(--clr-border); border-radius: 99px; overflow: hidden; }
.progress-fill { height: 100%; border-radius: 99px; background: var(--clr-accent); transition: width .6s ease; }
.progress-fill.green  { background: #2E8B57; }
.progress-fill.yellow { background: #D4A017; }
.progress-fill.red    { background: #C0392B; }

.form-group { margin-bottom: 20px; }
.form-group label {
  display: block;
  font-size: .85rem;
  font-weight: 600;
  color: var(--clr-navy);
  margin-bottom: 7px;
}
.form-control {
  display: block;
  width: 100%;
  padding: 11px 16px;
  border: 1.5px solid var(--clr-border);
  border-radius: var(--rad-md);
  font-size: .94rem;
  color: var(--clr-text);
  background: var(--clr-surface);
  transition: border-color .18s ease, box-shadow .18s ease;
}
.form-control:focus { outline: none; border-color: var(--clr-accent); box-shadow: 0 0 0 3px rgba(58,107,200,.12); }
textarea.form-control { resize: vertical; min-height: 130px; }
.form-note { font-size: .8rem; color: var(--clr-muted); margin-top: 5px; }

.contact-grid { display: grid; grid-template-columns: 1fr 380px; gap: 56px; align-items: start; }
.contact-info-box {
  background: var(--clr-navy);
  border-radius: var(--rad-lg);
  padding: 36px;
  color: var(--clr-white);
}
.contact-info-box h3 { color: var(--clr-white); margin-bottom: 24px; }
.contact-line {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  margin-bottom: 20px;
}
.contact-line svg { width: 20px; height: 20px; fill: rgba(255,255,255,.6); flex-shrink: 0; margin-top: 2px; }
.contact-line strong { display: block; font-size: .83rem; text-transform: uppercase; letter-spacing: .08em; color: rgba(255,255,255,.45); margin-bottom: 3px; }
.contact-line span { font-size: .95rem; color: rgba(255,255,255,.85); }

.page-banner {
  background: var(--clr-navy);
  padding-block: 64px;
  position: relative;
  overflow: hidden;
}
.page-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(58,107,200,.3) 0%, transparent 70%);
}
.page-banner .container { position: relative; z-index: 1; }
.page-banner h1 { color: var(--clr-white); margin-bottom: 12px; }
.page-banner p { color: rgba(255,255,255,.65); font-size: 1.05rem; max-width: 600px; }
.breadcrumb { display: flex; align-items: center; gap: 8px; font-size: .82rem; margin-bottom: 16px; }
.breadcrumb a { color: rgba(255,255,255,.55); }
.breadcrumb a:hover { color: rgba(255,255,255,.9); }
.breadcrumb span { color: rgba(255,255,255,.35); }

.site-footer {
  background: var(--clr-footer-bg);
  color: rgba(255,255,255,.55);
  padding-top: 64px;
  padding-bottom: 32px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}
.footer-brand .footer-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 14px;
  text-decoration: none;
}
.footer-site-name {
  font-family: var(--ff-display);
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--clr-white);
}
.footer-brand p { font-size: .88rem; margin-top: 4px; line-height: 1.7; }
.footer-col h4 { color: var(--clr-white); font-size: .82rem; letter-spacing: .1em; text-transform: uppercase; margin-bottom: 18px; font-family: var(--ff-body); }
.footer-col a { display: block; font-size: .88rem; margin-bottom: 10px; color: rgba(255,255,255,.5); transition: color .18s; }
.footer-col a:hover { color: var(--clr-white); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: .82rem;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom a { color: rgba(255,255,255,.45); }
.footer-bottom a:hover { color: rgba(255,255,255,.8); }

.cookie-bar {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 9999;
  background: var(--clr-navy);
  border-top: 1px solid rgba(255,255,255,.1);
  box-shadow: 0 -4px 24px rgba(0,0,0,.18);
  padding: 20px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
  transform: translateY(0);
  transition: transform .35s ease;
}
.cookie-bar.hidden { transform: translateY(110%); }
.cookie-bar p { font-size: .88rem; color: rgba(255,255,255,.75); max-width: 640px; line-height: 1.6; }
.cookie-bar p a { color: var(--clr-white); text-decoration: underline; }
.cookie-actions { display: flex; gap: 10px; flex-shrink: 0; flex-wrap: wrap; }
.cookie-accept { padding: 10px 22px; background: var(--clr-accent); color: #fff; border-radius: var(--rad-sm); font-size: .88rem; font-weight: 600; transition: var(--transition); cursor: pointer; border: none; }
.cookie-accept:hover { background: #2d57a8; }
.cookie-decline { padding: 10px 18px; border: 1px solid rgba(255,255,255,.25); color: rgba(255,255,255,.7); border-radius: var(--rad-sm); font-size: .88rem; font-weight: 500; transition: var(--transition); cursor: pointer; background: none; }
.cookie-decline:hover { border-color: rgba(255,255,255,.5); color: #fff; }

.mt-8  { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mb-8  { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }
.text-center { text-align: center; }
.divider { border: none; border-top: 1px solid var(--clr-border); margin-block: 48px; }

.info-box {
  background: var(--clr-accent-lt);
  border-left: 4px solid var(--clr-accent);
  border-radius: 0 var(--rad-md) var(--rad-md) 0;
  padding: 18px 22px;
  font-size: .9rem;
  color: var(--clr-navy);
  margin-block: 24px;
}
.warning-box {
  background: #FEF5E4;
  border-left: 4px solid #D4A017;
  border-radius: 0 var(--rad-md) var(--rad-md) 0;
  padding: 18px 22px;
  font-size: .9rem;
  color: #5A3D05;
  margin-block: 24px;
}

.policy-content h2 { margin-top: 40px; margin-bottom: 14px; font-size: 1.3rem; }
.policy-content h3 { margin-top: 28px; margin-bottom: 10px; font-size: 1.05rem; }
.policy-content p  { margin-bottom: 14px; color: var(--clr-muted); }
.policy-content ul { margin-left: 20px; margin-bottom: 14px; list-style: disc; }
.policy-content ul li { color: var(--clr-muted); margin-bottom: 7px; font-size: .93rem; }
.policy-updated { font-size: .82rem; color: var(--clr-muted); border: 1px solid var(--clr-border); border-radius: var(--rad-sm); display: inline-block; padding: 6px 14px; margin-bottom: 32px; }

.inline-icon {
  width: 16px;
  height: 16px;
  fill: currentColor;
  display: inline-block;
  vertical-align: middle;
  flex-shrink: 0;
}

.check-list-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: .88rem;
  color: rgba(255,255,255,.7);
  margin-bottom: 10px;
}
.check-list-item svg { width: 18px; height: 18px; flex-shrink: 0; }

@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2,1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .contact-grid { grid-template-columns: 1fr; }
  .stat-strip .stats-grid { grid-template-columns: repeat(2,1fr); }
}
@media (max-width: 768px) {
  .section { padding-block: 56px; }
  .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .split { grid-template-columns: 1fr; gap: 36px; }
  .split-img { order: -1; }
  .nav-list, .nav-cta { display: none; }
  .nav-toggle { display: flex; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .hero { padding-block: 72px 60px; }
  .hero-stats { gap: 20px; }
  .stat-strip .stats-grid { grid-template-columns: repeat(2,1fr); gap: 20px; }
}
@media (max-width: 480px) {
  .hero h1 { font-size: 1.75rem; }
  .stat-strip .stats-grid { grid-template-columns: 1fr 1fr; }
  .cookie-bar { flex-direction: column; align-items: flex-start; }
  .page-banner { padding-block: 48px; }
  .card { padding: 22px; }
  .data-table { font-size: .78rem; }
  .data-table th, .data-table td { padding: 10px 12px; }
}