:root {
  --brand-blue: #1f3c88;
  --brand-green: #2fa84f;
  --text-dark: #212529;
  --bg-light: #f8f9fa;
  --focus-outline: #000000;
  --white: #ffffff; /* neutral surface */
  --blue-tint: color-mix(in srgb, var(--brand-blue) 8%, transparent);
  --blue-line: color-mix(in srgb, var(--brand-blue) 18%, transparent);
  --shadow: 0 8px 24px color-mix(in srgb, var(--brand-blue) 10%, transparent);
  --radius: 14px;
}
html { scroll-behavior: smooth; scroll-padding-top: 80px; }
body { color: var(--text-dark); background: var(--white); font-family: system-ui, -apple-system, "Segoe UI", Roboto, sans-serif; overflow-x: hidden; line-height: 1.65; }
a { color: inherit; text-decoration: none; }
:focus-visible { outline: 3px solid var(--focus-outline); outline-offset: 2px; }
.skip-link { position: absolute; left: -999px; top: 8px; background: var(--white); color: var(--text-dark); padding: .6rem 1rem; border-radius: 8px; z-index: 100; }
.skip-link:focus { left: 8px; }
.brand-text { color: var(--brand-blue); }
.logo-mark { display: inline-grid; place-items: center; width: 34px; height: 34px; border-radius: 10px; background: var(--brand-blue); color: var(--white); }

/* Header */
.site-header { background: var(--white); border-bottom: 1px solid var(--blue-line); transition: box-shadow .2s; }
.site-header.is-scrolled { box-shadow: var(--shadow); }
.nav-link { display: block; padding: .55rem .9rem; border-radius: 8px; font-weight: 500; transition: background .2s, color .2s; }
.nav-link:hover { background: var(--blue-tint); color: var(--brand-blue); }
.nav-link.is-active { color: var(--brand-blue); box-shadow: inset 0 -3px 0 var(--brand-green); border-radius: 8px 8px 0 0; }
.primary-nav { display: none; position: absolute; left: 0; right: 0; top: 100%; background: var(--white); padding: 1rem; border-bottom: 1px solid var(--blue-line); }
.primary-nav.is-open { display: block; }
@media (min-width: 1024px) { .primary-nav { display: block; position: static; padding: 0; border: 0; background: transparent; } }
.nav-toggle { display: grid; gap: 5px; padding: 10px; border-radius: 8px; background: transparent; border: 1px solid var(--blue-line); }
.nav-toggle .bar { width: 22px; height: 2px; background: var(--brand-blue); transition: transform .2s, opacity .2s; }
.nav-toggle[aria-expanded="true"] .bar:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] .bar:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] .bar:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Buttons */
.btn { display: inline-flex; justify-content: center; align-items: center; padding: .75rem 1.4rem; border-radius: 10px; font-weight: 600; border: 2px solid transparent; cursor: pointer; transition: transform .15s, background .2s, color .2s; }
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--brand-blue); color: var(--white); }
.btn-primary:hover { background: var(--brand-green); }
.btn-outline { border-color: var(--brand-blue); color: var(--brand-blue); background: transparent; }
.btn-outline:hover { background: var(--brand-blue); color: var(--white); }

/* Sections */
.hero { background: var(--bg-light); border-bottom: 1px solid var(--blue-line); }
.hero h1 { color: var(--brand-blue); }
.eyebrow { text-transform: uppercase; letter-spacing: .08em; font-size: .8rem; font-weight: 700; color: var(--brand-green); }
.section { padding: 4.5rem 0; }
.section-alt { background: var(--bg-light); }
.section-title { font-size: clamp(1.6rem, 3vw, 2.2rem); font-weight: 700; color: var(--brand-blue); margin-top: .4rem; line-height: 1.25; }
.card { background: var(--white); border: 1px solid var(--blue-line); border-radius: var(--radius); padding: 1.5rem; box-shadow: var(--shadow); }
.card-title { font-size: 1.15rem; font-weight: 700; color: var(--brand-blue); }
.num { display: inline-grid; place-items: center; width: 36px; height: 36px; border-radius: 50%; background: var(--brand-green); color: var(--white); font-weight: 700; }
.feature { display: flex; gap: .75rem; align-items: flex-start; padding: 1rem 1.25rem; border: 1px solid var(--blue-line); border-radius: var(--radius); background: var(--white); }
.tick { color: var(--brand-green); font-weight: 700; }
.hero-visual { animation: float 6s ease-in-out infinite; }
.svg-card { fill: var(--white); stroke: var(--blue-line); stroke-width: 2; }
.svg-bars rect { fill: var(--blue-tint); stroke: var(--brand-blue); stroke-width: 1.5; }
.svg-line { stroke: var(--brand-green); }
.svg-label { fill: var(--brand-blue); font-size: 13px; font-weight: 600; }
@keyframes float { 50% { transform: translateY(-8px); } }

/* FAQ */
.faq-item { background: var(--white); border: 1px solid var(--blue-line); border-radius: var(--radius); }
.faq-q { display: flex; width: 100%; justify-content: space-between; gap: 1rem; text-align: left; padding: 1rem 1.25rem; font-weight: 600; color: var(--brand-blue); background: transparent; border: 0; cursor: pointer; border-radius: var(--radius); }
.faq-a { padding: 0 1.25rem 1.1rem; }
.faq-icon { font-size: 1.4rem; line-height: 1; color: var(--brand-green); }

/* Forms */
.label { display: block; font-weight: 600; font-size: .9rem; margin-bottom: .35rem; }
.input { width: 100%; padding: .7rem .9rem; border: 1px solid var(--brand-blue); border-radius: 10px; background: var(--white); color: var(--text-dark); font: inherit; }
.input.is-invalid { border-width: 2px; border-style: dashed; }
.error-msg { color: var(--brand-blue); font-weight: 600; font-size: .9rem; }
.alert { padding: .9rem 1rem; border-radius: 10px; margin-bottom: 1.25rem; font-weight: 500; border: 2px solid var(--brand-blue); background: var(--blue-tint); }
.alert-success { border-color: var(--brand-green); }
.link { color: var(--brand-blue); text-decoration: underline; font-weight: 500; }

/* Policy pages */
.page-hero { background: var(--brand-blue); color: var(--white); }
.page-hero a { text-decoration: underline; }
.callout { border-left: 5px solid var(--brand-green); background: var(--bg-light); border-radius: 10px; padding: 1.25rem 1.5rem; border-top: 1px solid var(--blue-line); border-right: 1px solid var(--blue-line); border-bottom: 1px solid var(--blue-line); }
.prose-policy h2 { font-size: 1.35rem; font-weight: 700; color: var(--brand-blue); margin: 2.2rem 0 .75rem; }
.prose-policy p { margin-bottom: .9rem; }
.prose-policy ul { list-style: disc; padding-left: 1.4rem; margin-bottom: 1rem; }
.prose-policy li { margin-bottom: .35rem; }
.cta-box { border: 1px solid var(--blue-line); border-radius: var(--radius); padding: 1.75rem; background: var(--bg-light); }

/* Footer */
.site-footer { background: var(--brand-blue); color: var(--white); }
.site-footer a:hover { text-decoration: underline; }
.footer-disclaimer { border-top: 1px solid color-mix(in srgb, var(--white) 25%, transparent); }
.back-to-top { position: fixed; right: 1rem; bottom: 1rem; width: 44px; height: 44px; border-radius: 50%; background: var(--brand-green); color: var(--white); font-size: 1.2rem; border: 0; cursor: pointer; box-shadow: var(--shadow); z-index: 40; }

/* Scroll reveal */
.js .reveal { opacity: 0; transform: translateY(14px); transition: opacity .5s, transform .5s; }
.js .reveal.is-visible { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } .hero-visual { animation: none; } .js .reveal { opacity: 1; transform: none; transition: none; } }