:root {
  --bg: #ffffff;
  --bg2: #f4f7fc;
  --bg3: #e8eef8;
  --border: #d0daea;
  --navy: #1a3074;
  --navy-dark: #0f1f4a;
  --navy-light: #2a4898;
  --orange: #e8722a;
  --orange-light: #f0904d;
  --orange-pale: rgba(232,114,42,0.08);
  --text: #1a2a4a;
  --muted: #5a6e8c;
  --white: #ffffff;
  --font: 'Inter', system-ui, -apple-system, sans-serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  background: var(--bg);
  color: var(--text);
  line-height: 1.7;
  font-size: 16px;
}

a { color: var(--navy); text-decoration: none; }
a:hover { color: var(--orange); }

/* NAV */
.nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  padding: 0 40px;
  height: 68px;
  display: flex; align-items: center; justify-content: space-between;
}
.nav-logo { display: flex; align-items: center; }
.nav-logo img { height: 38px; width: auto; display: block; }

.nav-links { display: flex; align-items: center; gap: 32px; }
.nav-links a { color: var(--muted); font-size: 14px; font-weight: 500; transition: color 0.2s; }
.nav-links a:hover, .nav-links a.active { color: var(--navy); }

.nav-links .dropdown { position: relative; }
.nav-links .dropdown-menu {
  display: none;
  position: absolute; top: 100%; left: -16px;
  background: var(--white); border: 1px solid var(--border);
  border-radius: 10px; padding: 8px; min-width: 240px;
  margin-top: 12px;
  box-shadow: 0 8px 24px rgba(26,48,116,0.1);
}
.nav-links .dropdown:hover .dropdown-menu { display: block; }
.nav-links .dropdown-menu a {
  display: block; padding: 10px 16px;
  border-radius: 6px; font-size: 14px; color: var(--muted);
}
.nav-links .dropdown-menu a:hover { background: var(--bg2); color: var(--navy); }

/* HAMBURGER */
.nav-hamburger {
  display: none;
  flex-direction: column; gap: 5px;
  background: none; border: none; cursor: pointer; padding: 4px;
}
.nav-hamburger span {
  display: block; width: 24px; height: 2px;
  background: var(--navy); border-radius: 2px;
  transition: all 0.2s;
}

/* MOBILE MENU */
.nav-mobile {
  display: none;
  position: fixed; top: 68px; left: 0; right: 0;
  background: var(--white); border-bottom: 1px solid var(--border);
  padding: 16px 20px 24px; z-index: 99;
  box-shadow: 0 8px 24px rgba(26,48,116,0.08);
}
.nav-mobile.open { display: block; }
.nav-mobile a {
  display: block; padding: 12px 0;
  font-size: 16px; font-weight: 500; color: var(--text);
  border-bottom: 1px solid var(--border);
}
.nav-mobile a:last-child { border-bottom: none; }
.nav-mobile a:hover { color: var(--orange); }

/* PAGE WRAPPER */
.page { padding-top: 68px; }

/* HERO */
.hero {
  min-height: 92vh;
  display: flex; align-items: center;
  padding: 80px 40px;
  position: relative; overflow: hidden;
  background: linear-gradient(135deg, #f4f7fc 0%, #ffffff 60%, #eef2fa 100%);
}
.hero::before {
  content: '';
  position: absolute; top: -40%; left: -20%; right: -20%; bottom: -20%;
  background: radial-gradient(ellipse at 20% 30%, rgba(26,48,116,0.06) 0%, transparent 60%),
              radial-gradient(ellipse at 80% 80%, rgba(232,114,42,0.04) 0%, transparent 50%);
  pointer-events: none;
}
.hero-inner { max-width: 1100px; margin: 0 auto; width: 100%; }

.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--orange-pale); border: 1px solid rgba(232,114,42,0.25);
  border-radius: 50px; padding: 6px 16px;
  font-size: 12px; font-weight: 600; color: var(--orange);
  letter-spacing: 0.1em; text-transform: uppercase;
  margin-bottom: 28px;
}
.hero h1 {
  font-size: clamp(36px, 5.5vw, 72px);
  font-weight: 800; line-height: 1.1;
  letter-spacing: -0.02em; color: var(--navy-dark);
  margin-bottom: 24px;
}
.hero h1 em { font-style: normal; color: var(--orange); }
.hero p { font-size: 18px; color: var(--muted); max-width: 560px; line-height: 1.8; margin-bottom: 48px; }
.hero-stats { display: flex; gap: 48px; flex-wrap: wrap; }
.hero-stat strong {
  display: block; font-size: 32px; font-weight: 800;
  color: var(--navy-dark); letter-spacing: -0.02em;
}
.hero-stat span { font-size: 13px; color: var(--muted); }

/* SECTIONS */
.section { padding: 96px 40px; }
.section-alt { background: var(--bg2); }
.container { max-width: 1100px; margin: 0 auto; }

.section-label {
  font-size: 12px; font-weight: 700; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--orange); margin-bottom: 16px;
}
.section-title {
  font-size: clamp(28px, 3.5vw, 44px); font-weight: 800;
  color: var(--navy-dark); line-height: 1.2; letter-spacing: -0.02em;
  margin-bottom: 16px;
}
.section-sub { font-size: 17px; color: var(--muted); max-width: 580px; line-height: 1.8; margin-bottom: 56px; }

/* CARDS */
.cards { display: grid; gap: 24px; }
.cards-2 { grid-template-columns: repeat(auto-fit, minmax(440px, 1fr)); }
.cards-3 { grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); }
.cards-4 { grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }

.card {
  background: var(--white); border: 1px solid var(--border);
  border-radius: 16px; padding: 32px;
  transition: border-color 0.2s, transform 0.2s, box-shadow 0.2s;
}
.card:hover {
  border-color: var(--orange);
  transform: translateY(-2px);
  box-shadow: 0 8px 32px rgba(232,114,42,0.1);
}
.card-icon {
  width: 48px; height: 48px;
  background: var(--orange-pale); border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 22px; margin-bottom: 20px;
}
.card h3 { font-size: 18px; font-weight: 700; color: var(--navy-dark); margin-bottom: 10px; }
.card p { font-size: 14px; color: var(--muted); line-height: 1.7; }
.card-link {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: 13px; font-weight: 600; color: var(--orange);
  margin-top: 16px;
}

/* PAGE HERO */
.page-hero {
  padding: 100px 40px 80px;
  border-bottom: 1px solid var(--border);
  background: linear-gradient(180deg, var(--bg2) 0%, var(--bg) 100%);
}
.page-hero .breadcrumb { font-size: 13px; color: var(--muted); margin-bottom: 24px; }
.page-hero .breadcrumb a { color: var(--muted); }
.page-hero .breadcrumb a:hover { color: var(--orange); }
.page-hero h1 {
  font-size: clamp(32px, 4vw, 56px); font-weight: 800;
  color: var(--navy-dark); letter-spacing: -0.02em; line-height: 1.15;
  margin-bottom: 20px;
}
.page-hero p { font-size: 18px; color: var(--muted); max-width: 620px; line-height: 1.8; }

/* DIVIDER */
.divider { border: none; border-top: 1px solid var(--border); margin: 0; }

/* PROSE */
.prose { max-width: 720px; }
.prose h2 { font-size: 26px; font-weight: 700; color: var(--navy-dark); margin: 48px 0 16px; }
.prose h3 { font-size: 19px; font-weight: 700; color: var(--navy-dark); margin: 32px 0 12px; }
.prose p { color: var(--muted); line-height: 1.8; margin-bottom: 20px; }
.prose ul { color: var(--muted); padding-left: 20px; margin-bottom: 20px; }
.prose ul li { margin-bottom: 8px; line-height: 1.7; }
.prose strong { color: var(--text); }

/* TWO-COL */
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: start; }
.two-col-wide { display: grid; grid-template-columns: 3fr 2fr; gap: 80px; align-items: start; }

/* FEATURE LIST */
.feature-list { list-style: none; display: flex; flex-direction: column; gap: 16px; }
.feature-list li {
  display: flex; gap: 14px; align-items: flex-start;
  padding: 20px; background: var(--bg2); border-radius: 12px;
  border: 1px solid var(--border);
}
.feature-list li .icon { font-size: 20px; flex-shrink: 0; margin-top: 1px; }
.feature-list li .text strong { display: block; color: var(--navy-dark); font-size: 15px; margin-bottom: 4px; }
.feature-list li .text span { font-size: 13px; color: var(--muted); line-height: 1.6; }

/* HIGHLIGHT BOX */
.highlight-box {
  background: var(--orange-pale);
  border: 1px solid rgba(232,114,42,0.2);
  border-radius: 16px; padding: 32px;
}
.highlight-box h3 { color: var(--orange); font-size: 17px; margin-bottom: 12px; }
.highlight-box p { color: var(--muted); font-size: 14px; line-height: 1.7; }

/* TABLE */
.table-wrap { overflow-x: auto; }
table { width: 100%; border-collapse: collapse; }
th {
  text-align: left; font-size: 12px; font-weight: 700;
  color: var(--muted); letter-spacing: 0.08em; text-transform: uppercase;
  padding: 12px 20px; border-bottom: 1px solid var(--border);
}
td {
  padding: 16px 20px; border-bottom: 1px solid var(--border);
  font-size: 14px; color: var(--muted);
}
tr:last-child td { border-bottom: none; }
td strong { color: var(--text); }

/* FOOTER */
.footer {
  background: var(--navy-dark); border-top: 1px solid rgba(255,255,255,0.1);
  padding: 64px 40px 32px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px; max-width: 1100px; margin: 0 auto;
  padding-bottom: 48px; margin-bottom: 32px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand img { height: 32px; width: auto; filter: brightness(0) invert(1); }
.footer-brand p { font-size: 14px; color: rgba(255,255,255,0.5); line-height: 1.8; margin-top: 16px; max-width: 280px; }
.footer-col h4 { font-size: 13px; font-weight: 700; color: rgba(255,255,255,0.9); margin-bottom: 16px; letter-spacing: 0.05em; text-transform: uppercase; }
.footer-col a { display: block; font-size: 14px; color: rgba(255,255,255,0.5); margin-bottom: 10px; }
.footer-col a:hover { color: var(--orange-light); }
.footer-bottom {
  max-width: 1100px; margin: 0 auto;
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 16px;
}
.footer-bottom p { font-size: 13px; color: rgba(255,255,255,0.4); }
.footer-bottom a { font-size: 13px; color: rgba(255,255,255,0.4); }
.footer-bottom a:hover { color: rgba(255,255,255,0.8); }

/* ── RESPONSIVE ─────────────────────────────────────────── */

/* Tablet */
@media (max-width: 960px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .cards-2 { grid-template-columns: 1fr; }
}

/* Mobile */
@media (max-width: 768px) {
  .nav { padding: 0 20px; }
  .nav-links { display: none; }
  .nav-hamburger { display: flex; }

  .hero { padding: 60px 20px; min-height: auto; }
  .hero h1 { font-size: clamp(32px, 8vw, 48px); }
  .hero p { font-size: 16px; margin-bottom: 32px; }
  .hero-stats { gap: 24px; }
  .hero-stat strong { font-size: 26px; }

  .section { padding: 56px 20px; }
  .section-sub { font-size: 15px; margin-bottom: 36px; }
  .page-hero { padding: 80px 20px 48px; }

  .two-col, .two-col-wide { grid-template-columns: 1fr; gap: 40px; }
  .cards-2, .cards-3, .cards-4 { grid-template-columns: 1fr; }

  /* Footer mobile */
  .footer { padding: 48px 20px 24px; }
  .footer-grid {
    grid-template-columns: 1fr;
    gap: 32px;
    padding-bottom: 32px;
    margin-bottom: 24px;
  }
  .footer-brand { text-align: center; }
  .footer-brand img { height: 28px; }
  .footer-brand p { max-width: 100%; }
  .footer-cols-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
  }
  .footer-bottom {
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 12px;
  }
  .footer-bottom div { justify-content: center; }

  .table-wrap { -webkit-overflow-scrolling: touch; }
}

@media (max-width: 480px) {
  .footer-cols-row { grid-template-columns: 1fr; }
  .hero-stats { flex-direction: column; gap: 16px; }
}