:root {
  --blue:   #1D4ED8;
  --blue-d: #1E3A8A;
  --blue-l: #EFF6FF;
  --teal:   #0EA5E9;
  --teal-d: #0369A1;
  --green:  #16A34A;
  --amber:  #D97706;
  --text:   #0F172A;
  --muted:  #475569;
  --light:  #F8FAFC;
  --border: #E2E8F0;
  --white:  #FFFFFF;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',system-ui,sans-serif;color:var(--text);background:var(--white);line-height:1.6;-webkit-font-smoothing:antialiased}

/* NAV */
nav{position:fixed;top:0;left:0;right:0;z-index:100;background:rgba(255,255,255,0.95);backdrop-filter:blur(16px);border-bottom:1px solid var(--border);box-shadow:0 1px 12px rgba(0,0,0,0.06)}
.nav-inner{max-width:1200px;margin:0 auto;padding:14px 32px;display:flex;justify-content:space-between;align-items:center;gap:20px}
.nav-logo{font-family:Georgia,serif;font-size:1.5rem;font-weight:700;color:var(--blue-d);text-decoration:none;letter-spacing:-0.02em;flex-shrink:0}
.nav-logo span{color:var(--teal)}
.nav-right{display:flex;align-items:center;gap:14px}
.nav-phone{display:flex;align-items:center;gap:7px;font-weight:600;font-size:0.95rem;color:var(--blue-d);text-decoration:none}
.nav-phone:hover{color:var(--teal)}
.btn-nav{padding:10px 24px;background:var(--blue);color:var(--white);border-radius:100px;font-weight:700;font-size:0.85rem;text-decoration:none;transition:all 0.2s;white-space:nowrap}
.btn-nav:hover{background:var(--blue-d);transform:translateY(-1px)}

/* PAGE HERO */
.page-hero{padding:130px 32px 72px;background:linear-gradient(135deg,#EFF6FF 0%,#F0F9FF 60%,#ECFDF5 100%);border-bottom:1px solid var(--border)}
.page-hero-inner{max-width:860px;margin:0 auto;text-align:center}
.page-tag{display:inline-block;padding:5px 16px;background:rgba(14,165,233,0.1);color:var(--teal-d);border-radius:100px;font-size:0.72rem;font-weight:700;letter-spacing:0.1em;text-transform:uppercase;margin-bottom:16px}
.page-hero h1{font-family:Georgia,serif;font-size:clamp(2rem,4vw,3rem);font-weight:700;line-height:1.1;letter-spacing:-0.02em;color:var(--blue-d);margin-bottom:16px}
.page-hero p{font-size:1.08rem;color:var(--muted);line-height:1.75;max-width:640px;margin:0 auto}

/* CONTENT */
.content-wrap{max-width:1200px;margin:0 auto;padding:80px 32px}
.content-grid{display:grid;grid-template-columns:1fr 320px;gap:64px;align-items:start}
.prose h2{font-family:Georgia,serif;font-size:1.55rem;color:var(--blue-d);font-weight:700;margin:40px 0 12px;line-height:1.2}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:1.05rem;font-weight:700;color:var(--text);margin:28px 0 8px}
.prose p{font-size:0.97rem;color:var(--muted);line-height:1.8;margin-bottom:16px}
.prose ul{margin:0 0 16px 20px;display:flex;flex-direction:column;gap:8px}
.prose li{font-size:0.95rem;color:var(--muted);line-height:1.7}
.prose strong{color:var(--text)}
.prose a{color:var(--blue);text-decoration:none}
.prose a:hover{text-decoration:underline}
.disclaimer-inline{background:#FEF9EC;border:1px solid #FDE68A;border-radius:12px;padding:18px 20px;margin:28px 0;font-size:0.85rem;color:#78350F;line-height:1.7}
.disclaimer-inline strong{color:#92400E}
.info-box{background:var(--blue-l);border:1px solid rgba(29,78,216,0.15);border-radius:12px;padding:22px 24px;margin:28px 0}
.info-box h4{font-size:0.9rem;font-weight:700;color:var(--blue-d);margin-bottom:8px}
.info-box p{font-size:0.88rem;color:var(--muted);margin:0;line-height:1.7}

/* SIDEBAR */
.sidebar{position:sticky;top:100px;display:flex;flex-direction:column;gap:20px}
.sidebar-card{background:var(--light);border:1px solid var(--border);border-radius:18px;padding:28px}
.sidebar-card h3{font-family:Georgia,serif;font-size:1.1rem;color:var(--blue-d);font-weight:700;margin-bottom:8px}
.sidebar-card p{font-size:0.87rem;color:var(--muted);line-height:1.7;margin-bottom:18px}
.btn-primary{display:flex;align-items:center;justify-content:center;gap:8px;padding:13px 24px;background:var(--blue);color:var(--white);border-radius:100px;font-weight:700;font-size:0.9rem;text-decoration:none;transition:all 0.2s;text-align:center}
.btn-primary:hover{background:var(--blue-d);transform:translateY(-1px)}
.btn-outline{display:flex;align-items:center;justify-content:center;gap:8px;padding:12px 24px;background:transparent;color:var(--blue-d);border:2px solid var(--blue);border-radius:100px;font-weight:700;font-size:0.9rem;text-decoration:none;transition:all 0.2s;margin-top:10px;text-align:center}
.btn-outline:hover{background:var(--blue-l)}
.related-links{list-style:none;display:flex;flex-direction:column;gap:6px}
.related-links a{font-size:0.87rem;color:var(--blue);text-decoration:none;display:flex;align-items:center;gap:6px;padding:6px 0;border-bottom:1px solid var(--border)}
.related-links a:last-child{border-bottom:none}
.related-links a:hover{color:var(--blue-d)}

/* FEATURE CARDS */
.feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:32px 0}
.feature-card{background:var(--light);border:1px solid var(--border);border-radius:16px;padding:24px;text-align:center}
.feature-icon{font-size:2rem;margin-bottom:12px}
.feature-card h4{font-size:0.95rem;font-weight:700;color:var(--blue-d);margin-bottom:8px}
.feature-card p{font-size:0.83rem;color:var(--muted);line-height:1.65;margin:0}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:24px 0}
.two-col-card{background:var(--light);border:1px solid var(--border);border-radius:12px;padding:20px}
.two-col-card h4{font-size:0.88rem;font-weight:700;color:var(--text);margin-bottom:6px}
.two-col-card p{font-size:0.83rem;color:var(--muted);margin:0;line-height:1.65}

/* CTA BAND */
.cta-band{background:linear-gradient(135deg,var(--blue),var(--teal-d));padding:64px 32px;text-align:center}
.cta-band-inner{max-width:640px;margin:0 auto}
.cta-band h2{font-family:Georgia,serif;font-size:clamp(1.6rem,3vw,2.2rem);color:var(--white);font-weight:700;margin-bottom:12px}
.cta-band p{font-size:1rem;color:rgba(255,255,255,0.85);line-height:1.7;margin-bottom:32px}
.cta-buttons{display:flex;justify-content:center;gap:14px;flex-wrap:wrap}
.btn-cta-white{padding:14px 32px;background:var(--white);color:var(--blue-d);border-radius:100px;font-weight:700;font-size:0.95rem;text-decoration:none;transition:all 0.2s}
.btn-cta-white:hover{transform:translateY(-2px);box-shadow:0 8px 24px rgba(0,0,0,0.2)}
.btn-cta-outline{padding:13px 32px;background:transparent;color:var(--white);border:2px solid rgba(255,255,255,0.5);border-radius:100px;font-weight:700;font-size:0.95rem;text-decoration:none;transition:all 0.2s}
.btn-cta-outline:hover{border-color:var(--white);background:rgba(255,255,255,0.1)}

/* FORM */
.form-box{background:var(--light);border:1px solid var(--border);border-radius:18px;padding:32px}
.form-box h3{font-family:Georgia,serif;font-size:1.15rem;color:var(--blue-d);font-weight:700;margin-bottom:8px}
.form-box p{font-size:0.87rem;color:var(--muted);line-height:1.7;margin-bottom:20px}
.form-group{margin-bottom:13px}
.form-group label{display:block;font-size:0.79rem;font-weight:600;color:var(--text);margin-bottom:5px}
.form-group input,.form-group select,.form-group textarea{width:100%;padding:11px 15px;border:1.5px solid var(--border);border-radius:9px;font-family:inherit;font-size:0.9rem;background:var(--white);color:var(--text);outline:none;transition:border-color 0.2s;-webkit-appearance:none;appearance:none}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{border-color:var(--blue)}
.form-group textarea{resize:none;height:75px}
.btn-submit{width:100%;padding:13px;background:var(--blue);color:var(--white);border:none;border-radius:100px;font-family:inherit;font-size:0.92rem;font-weight:700;cursor:pointer;transition:all 0.25s;margin-top:4px}
.btn-submit:hover{background:var(--blue-d);transform:translateY(-1px)}
.form-note{font-size:0.72rem;color:#94A3B8;line-height:1.6;margin-top:10px}

/* FOOTER */
footer{background:#0F172A;color:rgba(255,255,255,0.7);padding:60px 32px 32px}
.footer-inner{max-width:1200px;margin:0 auto}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px;margin-bottom:48px}
.footer-brand{max-width:280px}
.footer-logo{font-family:Georgia,serif;font-size:1.4rem;font-weight:700;color:var(--white);text-decoration:none;display:block;margin-bottom:14px}
.footer-logo span{color:var(--teal)}
.footer-brand p{font-size:0.85rem;line-height:1.7;margin-bottom:20px}
.footer-contact{display:flex;flex-direction:column;gap:8px}
.footer-contact a{font-size:0.88rem;color:rgba(255,255,255,0.7);text-decoration:none;transition:color 0.2s}
.footer-contact a:hover{color:var(--teal)}
.footer-col h5{font-size:0.78rem;font-weight:700;letter-spacing:0.08em;text-transform:uppercase;color:var(--white);margin-bottom:16px}
.footer-links{list-style:none;display:flex;flex-direction:column;gap:10px}
.footer-links a{font-size:0.88rem;color:rgba(255,255,255,0.6);text-decoration:none;transition:color 0.2s}
.footer-links a:hover{color:var(--teal)}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.08);padding-top:24px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px}
.footer-bottom p{font-size:0.8rem}

/* DISCLAIMER FOOTER */
.site-disclaimer{background:var(--blue-d);padding:28px 32px}
.site-disclaimer p{max-width:900px;margin:0 auto;text-align:center;font-size:0.82rem;color:rgba(255,255,255,0.72);line-height:1.7}
.site-disclaimer strong{color:var(--white)}

/* BREADCRUMB */
.breadcrumb{padding:14px 32px;background:var(--white);border-bottom:1px solid var(--border);font-size:0.8rem;color:var(--muted)}
.breadcrumb-inner{max-width:1200px;margin:0 auto;display:flex;align-items:center;gap:8px;flex-wrap:wrap}
.breadcrumb a{color:var(--blue);text-decoration:none}
.breadcrumb a:hover{text-decoration:underline}
.breadcrumb span{color:var(--muted)}

@media(max-width:900px){
  .content-grid{grid-template-columns:1fr}
  .sidebar{position:static}
  .feature-grid{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .nav-right .btn-nav{display:none}
  .nav-inner{padding:12px 20px}
  .page-hero{padding:110px 24px 56px}
  .content-wrap{padding:56px 24px}
}
@media(max-width:600px){
  .feature-grid{grid-template-columns:1fr}
  .two-col{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .cta-buttons{flex-direction:column;align-items:center}
}