:root{
  --navy:#0a1e3d; --navy-light:#132d54; --blue:#1a6dd4; --blue-light:#3b8de8;
  --teal:#0d9488; --teal-light:#14b8a6; --gold:#d4a853; --gold-light:#e8c47a;
  --cream:#faf8f5; --white:#ffffff;
  --ink:#1e293b; --slate:#475569; --muted:#94a3b8;
  --bg:#f8fafb; --bg-2:#f1f5f9; --line:#e2e8f0;
  --shadow-sm:0 1px 3px rgba(10,30,61,.06); --shadow-md:0 4px 20px rgba(10,30,61,.08);
  --shadow-lg:0 12px 40px rgba(10,30,61,.12); --radius:16px; --radius-sm:10px; --radius-lg:24px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Plus Jakarta Sans',system-ui,sans-serif;color:var(--slate);background:var(--bg);line-height:1.75;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:'DM Serif Display',Georgia,serif;color:var(--navy);line-height:1.18;font-weight:400}
a{color:inherit;text-decoration:none}
img{max-width:100%}
.container{max-width:1180px;margin:0 auto;padding:0 24px}
.section{padding:92px 0}
.section-head{max-width:780px;margin:0 auto 52px;text-align:center}
.section-label{display:inline-block;font-size:13px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-bottom:14px}
.section-title{font-size:clamp(30px,4.4vw,46px);margin-bottom:16px}
.section-subtitle{font-size:17px;color:var(--slate)}
.lead{font-size:18px;color:var(--slate)}
.btn{padding:13px 26px;border-radius:999px;font-weight:700;font-size:15px;transition:transform .2s,box-shadow .2s;display:inline-flex;align-items:center;gap:8px}
.btn-primary{background:var(--gold);color:var(--navy)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 14px 30px rgba(212,168,83,.35)}
.btn-outline{background:transparent;color:var(--navy);border:1px solid var(--line)}
.btn-outline:hover{border-color:var(--blue);color:var(--blue)}
.btn-light{background:#fff;color:var(--navy)}
.btn-light:hover{transform:translateY(-2px);box-shadow:var(--shadow-md)}

/* HEADER */
.header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:74px}
.header-logo{display:flex;align-items:center;gap:10px;font-family:'DM Serif Display',serif;font-size:22px;color:var(--navy)}
.header-logo .mark{width:30px;height:30px;border-radius:8px;background:linear-gradient(135deg,var(--blue),var(--teal));display:grid;place-items:center;color:#fff;font-family:'Plus Jakarta Sans';font-weight:800;font-size:15px}
.header-logo .accent{color:var(--blue)}
.header-nav{display:flex;align-items:center;gap:24px}
.header-nav a{font-size:15px;font-weight:600;color:var(--ink);position:relative;padding:6px 0;transition:color .2s}
.header-nav a:hover{color:var(--blue)}
.header-nav a.active{color:var(--blue)}
.header-nav a.active::after{content:"";position:absolute;left:0;right:0;bottom:-2px;height:2px;border-radius:2px;background:var(--gold)}
.header-cta{background:var(--navy);color:#fff;padding:11px 20px;border-radius:999px;font-weight:700;font-size:14px;transition:transform .2s,box-shadow .2s}
.header-cta:hover{transform:translateY(-1px);box-shadow:var(--shadow-md)}
.menu-toggle{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer}
.menu-toggle span{width:24px;height:2px;background:var(--navy);border-radius:2px}

/* PAGE HERO (inner pages) */
.phero{position:relative;background:radial-gradient(1100px 560px at 82% -12%,rgba(26,109,212,.18),transparent),linear-gradient(160deg,var(--navy) 0%,var(--navy-light) 100%);color:#fff;overflow:hidden}
.phero::after{content:"";position:absolute;inset:0;background:radial-gradient(640px 380px at 8% 120%,rgba(13,148,136,.22),transparent)}
.phero .container{position:relative;z-index:2;padding:84px 0 76px}
.phero-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(212,168,83,.16);color:var(--gold-light);border:1px solid rgba(212,168,83,.35);padding:7px 15px;border-radius:999px;font-size:13px;font-weight:700;letter-spacing:.04em;margin-bottom:20px}
.phero h1{color:#fff;font-size:clamp(34px,4.8vw,54px);margin-bottom:18px}
.phero p{font-size:18px;color:rgba(255,255,255,.84);max-width:640px}
.phero-actions{margin-top:30px;display:flex;gap:14px;flex-wrap:wrap}

/* CARDS / GRIDS */
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow-sm);transition:transform .2s,box-shadow .2s,border-color .2s}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:transparent}
.card .ic{width:52px;height:52px;border-radius:14px;background:linear-gradient(135deg,rgba(26,109,212,.12),rgba(13,148,136,.12));color:var(--blue);display:grid;place-items:center;font-size:24px;margin-bottom:16px}
.card h3{font-size:21px;margin-bottom:10px}
.card p{font-size:15px}
.card ul{list-style:none;margin-top:12px;display:grid;gap:8px}
.card ul li{font-size:14.5px;padding-left:20px;position:relative}
.card ul li::before{content:"";position:absolute;left:0;top:9px;width:7px;height:7px;border-radius:50%;background:var(--teal)}

/* PLACEHOLDER NOTE */
.note{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.16);border-radius:var(--radius);padding:26px;color:rgba(255,255,255,.85);font-size:15.5px}
.note b{color:var(--gold-light)}
.tag{display:inline-block;font-size:12px;font-weight:700;color:var(--teal);background:rgba(13,148,136,.1);padding:4px 12px;border-radius:999px;margin-top:12px}

/* BLOG INDEX */
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.post{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-sm);transition:transform .2s,box-shadow .2s;display:flex;flex-direction:column}
.post:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.post .cat{font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--teal);padding:22px 24px 0}
.post h3{font-family:'Plus Jakarta Sans',sans-serif;font-weight:700;font-size:19px;line-height:1.35;color:var(--navy);padding:10px 24px 0}
.post p{font-size:14.5px;color:var(--slate);padding:10px 24px 0;flex:1}
.post .meta{font-size:13px;color:var(--muted);padding:16px 24px 24px}

/* ARTICLE */
.article{max-width:780px;margin:0 auto}
.article .cat{font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--teal);margin-bottom:12px}
.article h1{font-size:clamp(30px,4.4vw,44px);margin-bottom:14px}
.article .meta{font-size:14px;color:var(--muted);margin-bottom:30px;padding-bottom:22px;border-bottom:1px solid var(--line)}
.article h2{font-size:27px;margin:38px 0 14px}
.article h3{font-size:21px;margin:26px 0 10px;color:var(--navy-light)}
.article p{margin:14px 0;font-size:16.5px}
.article ul{margin:14px 0;padding-left:22px}
.article ul li{margin:8px 0}
.article blockquote{margin:22px 0;padding:18px 22px;background:var(--cream);border-left:4px solid var(--gold);border-radius:0 var(--radius-sm) var(--radius-sm) 0;font-size:16px;color:var(--ink)}
.callout{margin:24px 0;padding:20px 22px;background:linear-gradient(135deg,rgba(26,109,212,.08),rgba(13,148,136,.08));border:1px solid var(--line);border-radius:var(--radius-sm);font-size:15.5px}
.callout b{color:var(--navy)}

/* CTA + FOOTER */
.cta{background:linear-gradient(135deg,var(--navy),var(--navy-light));color:#fff;text-align:center}
.cta .container{max-width:760px}
.cta h2{color:#fff;font-size:clamp(28px,4vw,40px);margin-bottom:14px}
.cta p{color:rgba(255,255,255,.82);font-size:17px;margin-bottom:26px}
.cta .phero-actions,.cta .hero-actions{justify-content:center}
.footer{background:var(--ink);color:rgba(255,255,255,.7);padding:54px 0 30px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:36px;margin-bottom:34px}
.footer h4{color:#fff;font-family:'Plus Jakarta Sans';font-weight:700;font-size:15px;margin-bottom:14px}
.footer a{color:rgba(255,255,255,.7);font-size:14.5px;display:block;padding:5px 0}
.footer a:hover{color:var(--gold-light)}
.footer .brand{font-family:'DM Serif Display',serif;font-size:24px;color:#fff;margin-bottom:12px}
.footer .disc{font-size:12.5px;color:rgba(255,255,255,.45);border-top:1px solid rgba(255,255,255,.12);padding-top:20px;line-height:1.6}
.footer .disc b{color:rgba(255,255,255,.7)}

@media(max-width:980px){
  .grid-3,.blog-grid{grid-template-columns:repeat(2,1fr)}
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:680px){
  .header-nav{display:none}.menu-toggle{display:flex}
  .grid-2,.grid-3,.grid-4,.blog-grid{grid-template-columns:1fr}
  .section{padding:60px 0}
}