:root {
  --ink: #132023;
  --muted: #607077;
  --paper: #fbfaf6;
  --card: #ffffff;
  --line: #dfe5e4;
  --blue: #145da0;
  --red: #b9362d;
  --green: #13765b;
  --gold: #a66b13;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-size: 16px;
  line-height: 1.55;
}

a { color: inherit; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 22px;
  padding: 14px clamp(18px, 4vw, 44px);
  background: rgba(251, 250, 246, 0.94);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(14px);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 11px;
  text-decoration: none;
  font-weight: 900;
  letter-spacing: 0;
}

.brand-mark {
  display: grid;
  place-items: center;
  width: 40px;
  height: 40px;
  border-radius: 8px;
  color: white;
  background: var(--blue);
  font-weight: 950;
}

.brand small {
  display: block;
  color: var(--muted);
  font-size: 0.78rem;
  font-weight: 800;
}

nav {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 8px;
}

nav a {
  padding: 7px 9px;
  border-radius: 7px;
  text-decoration: none;
  color: #334348;
  font-weight: 800;
  font-size: 0.9rem;
}

nav a:hover { background: rgba(20, 93, 160, 0.1); }

.hero {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(280px, 0.95fr);
  min-height: 560px;
  border-bottom: 1px solid var(--line);
}

.hero-copy {
  display: grid;
  align-content: center;
  gap: 20px;
  padding: clamp(34px, 7vw, 86px);
}

.eyebrow {
  margin: 0;
  color: var(--red);
  font-weight: 950;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.78rem;
}

h1, h2, h3, p { margin-top: 0; }

h1 {
  margin-bottom: 0;
  max-width: 900px;
  font-size: clamp(2.45rem, 6vw, 5.8rem);
  line-height: 0.95;
  letter-spacing: 0;
}

h2 {
  font-size: clamp(1.7rem, 3vw, 2.8rem);
  line-height: 1.05;
  margin-bottom: 10px;
  letter-spacing: 0;
}

h3 {
  font-size: 1.1rem;
  line-height: 1.2;
  margin-bottom: 8px;
}

.lede {
  max-width: 760px;
  color: #314249;
  font-size: clamp(1.05rem, 2vw, 1.26rem);
}

.hero-panel {
  display: grid;
  align-content: end;
  min-height: 420px;
  padding: 24px;
  color: white;
  background:
    linear-gradient(rgba(12, 25, 29, 0.18), rgba(12, 25, 29, 0.78)),
    var(--hero-image) center/cover;
}

.hero-panel .stat {
  max-width: 480px;
  padding: 20px;
  border-radius: 8px;
  background: rgba(12, 25, 29, 0.72);
}

.stat strong {
  display: block;
  font-size: clamp(2rem, 4vw, 3.5rem);
  line-height: 1;
}

.actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 10px 14px;
  border-radius: 8px;
  background: var(--blue);
  color: white;
  text-decoration: none;
  font-weight: 900;
}

.button.secondary {
  color: var(--blue);
  background: rgba(20, 93, 160, 0.12);
}

.section {
  padding: clamp(36px, 6vw, 78px) clamp(18px, 4vw, 44px);
}

.section.alt {
  background: #eef4f3;
}

.heading {
  max-width: 980px;
  margin-bottom: 24px;
}

.grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.grid.two { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid.four { grid-template-columns: repeat(4, minmax(0, 1fr)); }

.card, .tool, .risk-row {
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--card);
  box-shadow: 0 16px 40px rgba(20, 32, 35, 0.06);
}

.card p:last-child, .tool p:last-child, .risk-row p:last-child { margin-bottom: 0; }

.tool strong, .risk-row strong {
  display: block;
  margin-bottom: 6px;
  color: var(--blue);
}

.notice {
  display: grid;
  gap: 8px;
  padding: 18px 20px;
  border-left: 6px solid var(--red);
  border-radius: 8px;
  background: #fff7f5;
}

.check-list {
  padding-left: 20px;
  margin: 0;
}

.check-list li { margin: 8px 0; }

.matrix {
  display: grid;
  gap: 8px;
}

.matrix a {
  display: flex;
  justify-content: space-between;
  gap: 14px;
  padding: 12px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: white;
  text-decoration: none;
  font-weight: 850;
}

.matrix span { color: var(--muted); font-weight: 800; }

.split {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(280px, 1.1fr);
  gap: 18px;
  align-items: start;
}

.feature {
  padding: 24px;
  border-radius: 8px;
  color: white;
  background: #16282e;
}

.feature a { color: white; font-weight: 900; }

.related {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 12px;
}

.related a {
  min-height: 110px;
  padding: 16px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: white;
  text-decoration: none;
}

.related strong {
  display: block;
  margin-bottom: 6px;
  color: var(--green);
}

footer {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 14px;
  padding: 24px clamp(18px, 4vw, 44px);
  color: #dce8e6;
  background: #101d21;
}

footer a { color: white; font-weight: 850; }

@media (max-width: 920px) {
  .site-header { align-items: flex-start; flex-direction: column; }
  nav { justify-content: flex-start; }
  .hero, .split { grid-template-columns: 1fr; }
  .grid, .grid.two, .grid.four, .related { grid-template-columns: 1fr; }
  .hero { min-height: 0; }
}