:root {
  --navy: #002B5C;
  --navy-dark: #001C3D;
  --orange: #FC6401;
  --text: #1b2430;
  --muted: #5b6577;
  --bg: #f4f6fa;
  --border: #dde3ec;
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  color: var(--text);
  background: #fff;
  line-height: 1.6;
}
a { color: var(--navy); }
.wrap { max-width: 1040px; margin: 0 auto; padding: 0 1.25rem; }

/* Header */
.site-head { background: var(--navy); }
.site-head .wrap { display: flex; align-items: center; justify-content: space-between; padding-top: 0.9rem; padding-bottom: 0.9rem; gap: 1rem; }
.site-head img { height: 48px; width: auto; display: block; }
.site-head nav a { color: #fff; text-decoration: none; font-weight: 600; margin-left: 1.25rem; font-size: 0.95rem; }
.site-head nav a:hover { color: var(--orange); }

/* Hero */
.hero { background: linear-gradient(180deg, var(--navy) 0%, var(--navy-dark) 100%); color: #fff; padding: 3.5rem 0 4.5rem; }
.hero h1 { font-size: clamp(2rem, 4.5vw, 3.1rem); line-height: 1.12; margin: 0 0 1rem; max-width: 18ch; }
.hero h1 span { color: var(--orange); }
.hero p.lead { font-size: 1.2rem; max-width: 40rem; opacity: 0.92; margin: 0 0 2rem; }
.btn { display: inline-block; background: var(--orange); color: #fff; font-weight: 700; text-decoration: none; padding: 0.85rem 1.6rem; border-radius: 8px; font-size: 1.05rem; }
.btn:hover { background: #e05800; }
.btn-ghost { background: transparent; border: 2px solid rgba(255,255,255,0.6); margin-left: 0.6rem; }
.btn-ghost:hover { background: rgba(255,255,255,0.08); }
.badge { display: inline-block; background: rgba(252,100,1,0.18); color: #ffd2b3; border: 1px solid rgba(252,100,1,0.5); padding: 0.2rem 0.7rem; border-radius: 999px; font-size: 0.85rem; font-weight: 600; margin-bottom: 1.2rem; }

/* Sections */
section { padding: 3.5rem 0; }
section.alt { background: var(--bg); }
h2 { font-size: 1.9rem; margin: 0 0 0.6rem; color: var(--navy); }
.sub { color: var(--muted); max-width: 44rem; margin: 0 0 2rem; font-size: 1.08rem; }
.grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 1.25rem; }
.card { background: #fff; border: 1px solid var(--border); border-radius: 12px; padding: 1.4rem; }
.card h3 { margin: 0 0 0.4rem; font-size: 1.1rem; color: var(--navy); }
.card h3::before { content: ""; display: inline-block; width: 0.7rem; height: 0.7rem; background: var(--orange); border-radius: 3px; margin-right: 0.5rem; }
.card p { margin: 0; color: var(--muted); }
.quote { border-left: 4px solid var(--orange); padding: 0.4rem 0 0.4rem 1.2rem; font-size: 1.15rem; max-width: 46rem; }
.cta { text-align: center; }
.cta .sub { margin-left: auto; margin-right: auto; }

/* Legal pages */
.legal { padding: 2.5rem 0 4rem; }
.legal .wrap { max-width: 820px; }
.legal h1 { color: var(--navy); font-size: 2.1rem; margin: 0 0 0.3rem; }
.legal h2 { font-size: 1.3rem; margin: 2.2rem 0 0.5rem; }
.legal h3 { font-size: 1.05rem; margin: 1.4rem 0 0.4rem; color: var(--navy); }
.legal table { border-collapse: collapse; width: 100%; margin: 0.8rem 0 1.2rem; font-size: 0.95rem; }
.legal th, .legal td { border: 1px solid var(--border); padding: 0.5rem 0.65rem; text-align: left; vertical-align: top; }
.legal th { background: var(--bg); }
.draft-note { background: #fff4e6; border: 1px solid #f5c38f; border-radius: 10px; padding: 0.8rem 1rem; margin: 1rem 0 1.5rem; font-size: 0.95rem; }
.fill { background: #fff0b3; padding: 0 0.2rem; border-radius: 3px; }
.meta { color: var(--muted); margin: 0 0 1rem; }

/* Footer */
.site-foot { background: var(--navy-dark); color: rgba(255,255,255,0.8); padding: 2rem 0; font-size: 0.9rem; }
.site-foot .wrap { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 1rem; }
.site-foot a { color: #fff; margin-right: 1.1rem; }

@media (max-width: 640px) {
  .site-head nav a { margin-left: 0.8rem; font-size: 0.88rem; }
  .site-head img { height: 40px; }
  .btn-ghost { margin: 0.7rem 0 0; }
}