:root {
  --navy: #143a5e;
  --navy-dark: #0e2c47;
  --gold: #c8a24a;
  --gold-dark: #a8842f;
  --ink: #1f2937;
  --muted: #5b6675;
  --line: #e6e8ec;
  --bg: #f6f7f9;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  line-height: 1.65;
}
a { color: var(--navy); }
img { max-width: 100%; }

.container {
  max-width: 1040px;
  margin: 0 auto;
  padding: 0 20px;
}
.container--narrow { max-width: 860px; }

/* Top bar */
.topbar { background: var(--navy); color: #fff; position: sticky; top: 0; z-index: 20; }
.topbar-inner {
  max-width: 1040px;
  margin: 0 auto;
  padding: 0 20px;
  height: 64px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}
.brand { font-size: 20px; font-weight: 800; letter-spacing: -0.3px; color: #fff; text-decoration: none; white-space: nowrap; }
.brand span { color: var(--gold); }
.nav { display: flex; align-items: center; gap: 10px; flex-wrap: wrap; }
.nav a.link { color: #cfdae6; text-decoration: none; font-size: 14px; font-weight: 600; }
.nav a.link:hover { color: #fff; }

/* Buttons */
.btn {
  display: inline-block;
  font-weight: 700;
  font-size: 14px;
  text-decoration: none;
  padding: 10px 18px;
  border-radius: 8px;
  border: 1px solid transparent;
  cursor: pointer;
}
.btn-gold { background: var(--gold); color: var(--navy-dark); }
.btn-gold:hover { background: var(--gold-dark); color: #fff; }
.btn-light-outline { border-color: rgba(255,255,255,.5); color: #fff; }
.btn-light-outline:hover { background: rgba(255,255,255,.1); }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-dark); }
.btn-lg { padding: 13px 26px; font-size: 16px; }

/* Hero (inner pages) */
.hero { background: var(--navy-dark); color: #fff; padding: 40px 0 48px; }
.hero h1 { margin: 0 0 8px; font-size: 30px; }
.hero p { margin: 0; color: #c9d4e0; font-size: 15px; }

/* Hero (home) */
.hero-home { background: linear-gradient(160deg, var(--navy) 0%, var(--navy-dark) 100%); color: #fff; padding: 72px 0 84px; text-align: center; }
.hero-home h1 { margin: 0 auto 16px; font-size: 42px; line-height: 1.15; max-width: 760px; }
.hero-home h1 .accent { color: var(--gold); }
.hero-home p { margin: 0 auto 28px; color: #c9d4e0; font-size: 18px; max-width: 620px; }
.hero-cta { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }
.hero-note { margin-top: 14px; color: #93a6ba; font-size: 13px; }

/* Sections */
section.block { padding: 56px 0; }
.section-head { text-align: center; margin-bottom: 36px; }
.section-head h2 { color: var(--navy); font-size: 28px; margin: 0 0 8px; border: 0; padding: 0; }
.section-head p { color: var(--muted); margin: 0; font-size: 16px; }

/* Features grid */
.features { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 18px; }
.feature { background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 22px; }
.feature .ico { width: 42px; height: 42px; border-radius: 10px; background: #eef3f8; color: var(--navy); display: flex; align-items: center; justify-content: center; font-size: 22px; margin-bottom: 12px; }
.feature h3 { margin: 0 0 6px; font-size: 17px; color: var(--ink); }
.feature p { margin: 0; color: var(--muted); font-size: 14px; }

/* CTA strip */
.cta { background: var(--navy); color: #fff; border-radius: 18px; padding: 40px 28px; text-align: center; }
.cta h2 { color: #fff; border: 0; padding: 0; margin: 0 0 8px; font-size: 26px; }
.cta p { color: #c9d4e0; margin: 0 0 22px; }

/* Legal pages (card) */
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 8px 28px 28px;
  margin-top: -28px;
}
.card h2 { color: var(--navy); font-size: 19px; margin: 28px 0 8px; padding-top: 18px; border-top: 1px solid var(--line); }
.card h2:first-of-type { border-top: 0; padding-top: 8px; }
.card h3 { font-size: 16px; margin: 18px 0 4px; }
.card p, .card li { font-size: 15px; }
.card ul { padding-left: 20px; }
.card li { margin: 4px 0; }
.muted { color: var(--muted); font-size: 14px; }
table { width: 100%; border-collapse: collapse; margin: 8px 0; font-size: 14px; }
th, td { text-align: left; padding: 8px 10px; border: 1px solid var(--line); vertical-align: top; }
th { background: #f3f5f8; color: var(--navy); }
.updated { display: inline-block; background: #eef3f8; color: var(--navy); font-size: 13px; font-weight: 600; padding: 4px 10px; border-radius: 999px; }

/* Footer */
footer { border-top: 1px solid var(--line); background: #fff; padding: 28px 0; color: var(--muted); font-size: 13px; }
.footer-inner { display: flex; align-items: center; justify-content: space-between; gap: 12px; flex-wrap: wrap; }
.footer-links { display: flex; gap: 16px; flex-wrap: wrap; }
.footer-links a { color: var(--muted); text-decoration: none; }
.footer-links a:hover { color: var(--navy); }

@media (max-width: 560px) {
  .hero-home h1 { font-size: 32px; }
  .hero-home p { font-size: 16px; }
  .nav a.link { display: none; }
}