:root {
  --navy: #0d1f3c;
  --navy-mid: #112a50;
  --navy-light: #1a3a6a;
  --orange: #e8642a;
  --orange-dark: #c4541f;
  --gold: #f5a623;
  --white: #fff;
  --gray-100: #f8f9fb;
  --gray-200: #e8edf5;
  --gray-600: #6b7a99;
  --text-main: #1a2540;
  --text-soft: #4a5568;
  --radius-sm: 8px;
  --radius-md: 16px;
  --shadow-md: 0 8px 32px rgba(13, 31, 60, .14);
}
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
  color: var(--text-main);
  background: var(--gray-100);
  line-height: 1.7;
}
a { color: inherit; }
.navbar {
  position: sticky;
  top: 0;
  z-index: 100;
  min-height: 68px;
  background: rgba(13, 31, 60, .96);
  border-bottom: 1px solid rgba(255,255,255,.08);
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}
.brand {
  color: var(--orange);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 28px;
  font-weight: 700;
  letter-spacing: 3px;
  text-decoration: none;
  white-space: nowrap;
}
.navbar-links { display: flex; align-items: center; gap: 8px; flex-wrap: wrap; justify-content: flex-end; }
.navbar-links a {
  color: rgba(255,255,255,.82);
  font-size: .88rem;
  font-weight: 700;
  padding: 8px 13px;
  border-radius: var(--radius-sm);
  text-decoration: none;
}
.navbar-links a:hover { color: var(--white); background: rgba(255,255,255,.08); }
.navbar-links .nav-cta { background: var(--orange); color: var(--white); font-weight: 900; }
.navbar-links .nav-cta:hover { background: var(--orange-dark); }
.breadcrumb {
  max-width: 1120px;
  margin: 0 auto;
  padding: 18px 24px 0;
  font-size: .82rem;
  color: var(--gray-600);
}
.breadcrumb a { color: var(--orange); font-weight: 800; text-decoration: none; }
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  padding: 70px 24px 58px;
  text-align: center;
}
.eyebrow {
  display: inline-block;
  background: var(--orange);
  color: var(--white);
  font-size: .75rem;
  font-weight: 900;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 20px;
  margin-bottom: 18px;
}
.hero h1 {
  font-size: clamp(2rem, 4vw, 3.1rem);
  font-weight: 900;
  color: var(--white);
  line-height: 1.15;
  max-width: 900px;
  margin: 0 auto 18px;
}
.hero p {
  font-size: 1.06rem;
  color: rgba(255,255,255,.76);
  max-width: 760px;
  margin: 0 auto 26px;
}
.hero-actions, .cta-actions { display: flex; justify-content: center; gap: 12px; flex-wrap: wrap; }
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 12px 22px;
  border-radius: var(--radius-sm);
  font-weight: 900;
  font-size: .92rem;
  text-decoration: none;
}
.btn-primary { background: var(--orange); color: var(--white); box-shadow: 0 10px 28px rgba(232,100,42,.24); }
.btn-primary:hover { background: var(--orange-dark); }
.btn-secondary { border: 1px solid rgba(255,255,255,.28); color: var(--white); }
.container {
  max-width: 1080px;
  margin: 0 auto;
  padding: 46px 24px 84px;
}
.panel {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 42px;
  box-shadow: var(--shadow-md);
  margin-bottom: 24px;
}
.intro { font-size: 1.08rem; color: var(--text-soft); }
.grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}
.mini-card {
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  padding: 20px;
  background: var(--gray-100);
}
h2 {
  font-size: 1.46rem;
  color: var(--navy);
  margin: 34px 0 14px;
  line-height: 1.3;
}
h2:first-child { margin-top: 0; }
h3 { font-size: 1.08rem; color: var(--navy-mid); margin: 0 0 8px; }
ul, ol { padding-left: 22px; color: var(--text-soft); }
li { margin-bottom: 8px; }
.related-links {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
  margin-top: 14px;
}
.related-links a {
  display: block;
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  padding: 14px 16px;
  color: var(--navy);
  background: var(--gray-100);
  font-weight: 800;
  text-decoration: none;
}
.faq-item {
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  padding: 18px 20px;
  margin-bottom: 12px;
  background: var(--gray-100);
}
.faq-item p { margin: 0; color: var(--text-soft); }
.note {
  border-left: 4px solid var(--orange);
  background: #fff7ed;
  padding: 16px 18px;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  color: var(--text-main);
}
.cta-box {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-radius: var(--radius-md);
  padding: 34px;
  text-align: center;
  color: var(--white);
}
.cta-box p { color: rgba(255,255,255,.78); max-width: 680px; margin: 0 auto 22px; }
.footer {
  background: var(--navy);
  color: rgba(255,255,255,.65);
  text-align: center;
  padding: 30px 24px;
  font-size: .84rem;
}
.footer a { color: var(--orange); font-weight: 800; }
@media (max-width: 760px) {
  .navbar { align-items: flex-start; flex-direction: column; padding: 12px 18px; gap: 8px; }
  .navbar-links { width: 100%; justify-content: flex-start; }
  .hero { padding: 52px 20px 42px; }
  .container { padding: 32px 18px 64px; }
  .panel { padding: 26px 20px; border-radius: var(--radius-sm); }
  .grid, .related-links { grid-template-columns: 1fr; }
  .navbar-links .nav-cta { width: 100%; }
}