:root {
  --navy: #102a43;
  --teal: #087f78;
  --mint: #e8f7f3;
  --sand: #f7f3eb;
  --ink: #17324d;
  --muted: #52697d;
  --line: #d9e3ea;
  --white: #fff;
  --shadow: 0 20px 55px rgba(16, 42, 67, .12);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: #fbfcfd; font: 16px/1.65 Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; }
a { color: var(--teal); text-underline-offset: .18em; }
.site-header, main, footer { width: min(1120px, calc(100% - 40px)); margin-inline: auto; }
.site-header { min-height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: flex; align-items: center; gap: 10px; color: var(--navy); font-weight: 800; text-decoration: none; }
.brand-mark { display: grid; width: 34px; height: 34px; place-items: center; border-radius: 10px; color: white; background: linear-gradient(135deg, var(--navy), var(--teal)); }
.header-link { font-weight: 700; }
.hero { display: grid; grid-template-columns: minmax(0, 1.55fr) minmax(300px, .75fr); gap: 52px; align-items: center; padding: 76px 0 86px; }
.eyebrow, .section-kicker, .card-label { margin: 0 0 12px; color: var(--teal); font-size: .78rem; font-weight: 850; letter-spacing: .12em; text-transform: uppercase; }
h1, h2, h3 { color: var(--navy); line-height: 1.12; }
h1 { max-width: 820px; margin: 0; font-size: clamp(2.6rem, 6vw, 5rem); letter-spacing: -.055em; }
h2 { margin: 0 0 18px; font-size: clamp(1.8rem, 3.5vw, 3rem); letter-spacing: -.035em; }
h3 { margin: 0 0 12px; font-size: 1.15rem; }
.lede { max-width: 760px; margin: 24px 0 0; color: var(--muted); font-size: clamp(1.08rem, 2vw, 1.3rem); }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.button { display: inline-flex; min-height: 48px; align-items: center; justify-content: center; padding: 12px 20px; border: 1px solid var(--navy); border-radius: 12px; font-weight: 800; text-decoration: none; }
.button.primary { color: white; background: var(--navy); }
.button.primary:hover { background: var(--teal); border-color: var(--teal); }
.button.secondary { color: var(--navy); background: transparent; }
.decision-card { padding: 30px; border: 1px solid rgba(8,127,120,.24); border-radius: 24px; background: linear-gradient(145deg, var(--white), var(--mint)); box-shadow: var(--shadow); }
.decision-card h2 { font-size: 1.7rem; }
.check-list { margin: 20px 0 0; padding: 0; list-style: none; }
.check-list li { position: relative; padding: 10px 0 10px 28px; border-top: 1px solid rgba(16,42,67,.1); }
.check-list li::before { content: "✓"; position: absolute; left: 2px; color: var(--teal); font-weight: 900; }
.section { margin-bottom: 28px; padding: clamp(36px, 6vw, 70px); border: 1px solid var(--line); border-radius: 26px; background: var(--white); }
.section.alt { background: var(--sand); }
.section.compact { padding-bottom: 54px; }
.section > p:not(.section-kicker, .source-note, .cta-note) { max-width: 850px; color: var(--muted); font-size: 1.08rem; }
.criteria-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin-top: 30px; }
.criteria-grid article { padding: 22px; border-radius: 16px; background: #f3f7fa; }
.criteria-grid strong, .criteria-grid span { display: block; }
.criteria-grid span { margin-top: 8px; color: var(--muted); }
.split { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; margin: 28px 0; }
.panel { padding: 25px; border-radius: 18px; }
.panel.positive { background: var(--mint); }
.panel.caution { background: #fff4e5; }
.panel ul { margin: 0; padding-left: 20px; }
.panel li + li { margin-top: 8px; }
.source-note, .cta-note { color: var(--muted); font-size: .9rem; }
.cta-disabled { margin-top: 8px; }
.faq details { padding: 18px 0; border-top: 1px solid var(--line); }
.faq summary { color: var(--navy); font-weight: 800; cursor: pointer; }
.legal-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin: 34px 0; }
.legal-grid article { padding: 24px; border: 1px solid var(--line); border-radius: 18px; background: var(--white); }
.legal-grid h2 { font-size: 1.15rem; }
.legal-grid p { margin: 0; color: var(--muted); font-size: .92rem; }
footer { display: flex; justify-content: space-between; gap: 24px; padding: 32px 0 48px; color: var(--muted); font-size: .9rem; }
footer nav { display: flex; flex-wrap: wrap; gap: 18px; }

@media (max-width: 820px) {
  .hero, .split { grid-template-columns: 1fr; }
  .hero { gap: 32px; padding: 48px 0 58px; }
  .criteria-grid, .legal-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 560px) {
  .site-header, main, footer { width: min(100% - 24px, 1120px); }
  .site-header { min-height: 64px; }
  .header-link { display: none; }
  .hero { padding-top: 34px; }
  h1 { font-size: 2.55rem; }
  .section { padding: 28px 22px; border-radius: 20px; }
  .criteria-grid, .legal-grid { grid-template-columns: 1fr; }
  .hero-actions, .button { width: 100%; }
  footer { flex-direction: column; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}