/* ============== Reset & Base ============== */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  font-size:16px;line-height:1.65;color:#1f2a44;background:#ffffff;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block;height:auto}
a{color:#1976d2;text-decoration:none;transition:color .2s ease}
a:hover{color:#0d47a1;text-decoration:underline}

/* ============== Layout ============== */
.container{width:100%;max-width:1140px;margin:0 auto;padding:0 20px}

/* ============== Header / Nav ============== */
.site-header{
  position:sticky;top:0;z-index:50;
  background:rgba(255,255,255,.92);
  backdrop-filter:saturate(180%) blur(10px);
  border-bottom:1px solid #e3ecf5;
}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0}
.logo{font-weight:700;font-size:1.15rem;color:#0d47a1;letter-spacing:.2px}
.logo span{color:#42a5f5}
.menu-toggle{display:none;background:none;border:0;font-size:1.6rem;cursor:pointer;color:#0d47a1}
.nav-links{display:flex;gap:22px;list-style:none;align-items:center;flex-wrap:wrap}
.nav-links a{color:#1f2a44;font-weight:500;font-size:.95rem}
.nav-links a:hover{color:#1976d2;text-decoration:none}
.nav-links .active{color:#1976d2;border-bottom:2px solid #42a5f5;padding-bottom:2px}

/* ============== Hero ============== */
.hero{
  background:linear-gradient(135deg,#e3f2fd 0%,#ffffff 60%,#e1f5fe 100%);
  padding:80px 0 64px;
  text-align:center;
}
.hero h1{
  font-size:clamp(1.9rem,4.2vw,3rem);
  color:#0d47a1;margin-bottom:18px;line-height:1.2;letter-spacing:-.5px;
}
.hero p{
  max-width:720px;margin:0 auto 28px;color:#42526e;
  font-size:clamp(1rem,1.5vw,1.15rem);
}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;justify-content:center}
.btn{
  display:inline-block;padding:13px 26px;border-radius:8px;
  font-weight:600;font-size:.98rem;transition:transform .15s ease,box-shadow .2s ease;
}
.btn-primary{background:#1976d2;color:#fff}
.btn-primary:hover{background:#0d47a1;color:#fff;text-decoration:none;transform:translateY(-1px);box-shadow:0 8px 20px rgba(13,71,161,.18)}
.btn-secondary{background:#fff;color:#1976d2;border:1px solid #bbdefb}
.btn-secondary:hover{background:#e3f2fd;color:#0d47a1;text-decoration:none}

/* ============== Sections ============== */
.section{padding:64px 0}
.section-alt{background:linear-gradient(180deg,#f8fbff 0%,#ffffff 100%)}
.section h2{
  font-size:clamp(1.5rem,2.5vw,2rem);color:#0d47a1;
  margin-bottom:14px;text-align:center;
}
.section .lede{
  text-align:center;max-width:740px;margin:0 auto 40px;color:#42526e;
}

/* ============== Cards ============== */
.cards{
  display:grid;
  grid-template-columns:repeat(auto-fit,minmax(260px,1fr));
  gap:22px;
}
.card{
  background:#fff;border:1px solid #e3ecf5;border-radius:12px;padding:26px;
  box-shadow:0 1px 3px rgba(13,71,161,.04);
  transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease;
}
.card:hover{transform:translateY(-3px);box-shadow:0 10px 26px rgba(13,71,161,.08);border-color:#bbdefb}
.card h3{color:#0d47a1;font-size:1.15rem;margin-bottom:10px}
.card p{color:#42526e;font-size:.96rem}
.card .icon{
  width:46px;height:46px;border-radius:10px;
  background:linear-gradient(135deg,#42a5f5,#1976d2);
  display:flex;align-items:center;justify-content:center;color:#fff;
  font-size:1.2rem;font-weight:700;margin-bottom:14px;
}

/* ============== Article ============== */
.article{max-width:820px;margin:0 auto}
.article h1{font-size:clamp(1.7rem,3vw,2.4rem);color:#0d47a1;margin-bottom:18px;line-height:1.25}
.article h2{font-size:1.4rem;color:#0d47a1;margin:32px 0 12px;text-align:left}
.article h3{font-size:1.15rem;color:#1565c0;margin:24px 0 10px}
.article p{margin-bottom:16px;color:#3c4858}
.article ul,.article ol{margin:0 0 18px 22px;color:#3c4858}
.article li{margin-bottom:8px}
.meta{color:#7a869a;font-size:.9rem;margin-bottom:24px}

/* ============== Disclaimer Banner ============== */
.disclaimer{
  background:#fff8e1;border:1px solid #ffe082;color:#5d4037;
  padding:14px 18px;border-radius:8px;margin:24px auto;max-width:1100px;font-size:.92rem;
}

/* ============== Contact ============== */
.contact-grid{
  display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:22px;margin-top:30px;
}
.contact-item{
  background:#fff;padding:24px;border-radius:12px;border:1px solid #e3ecf5;text-align:center;
}
.contact-item h3{color:#0d47a1;margin-bottom:8px;font-size:1.05rem}
.contact-item p{color:#42526e;font-size:.96rem;word-break:break-word}

/* ============== Footer ============== */
.site-footer{
  background:#0d2747;color:#cfd8dc;padding:48px 0 22px;margin-top:60px;
}
.footer-grid{
  display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:30px;margin-bottom:30px;
}
.footer-grid h4{color:#fff;margin-bottom:12px;font-size:1rem}
.footer-grid ul{list-style:none}
.footer-grid li{margin-bottom:8px}
.footer-grid a{color:#b0bec5;font-size:.94rem}
.footer-grid a:hover{color:#fff;text-decoration:none}
.footer-bottom{
  border-top:1px solid #1c3a5e;padding-top:18px;text-align:center;
  color:#90a4ae;font-size:.88rem;
}

/* ============== Responsive ============== */
@media (max-width:768px){
  .menu-toggle{display:block}
  .nav-links{
    display:none;flex-direction:column;width:100%;
    background:#fff;border-top:1px solid #e3ecf5;padding:12px 0;gap:6px;
    position:absolute;left:0;top:100%;
  }
  .nav-links.open{display:flex}
  .nav-links li{width:100%}
  .nav-links a{display:block;padding:10px 20px}
  .site-header{position:relative}
  .nav{position:relative}
  .hero{padding:56px 0 44px}
  .section{padding:48px 0}
}