:root {
  --ink: #07154c;
  --navy: #071b61;
  --blue: #0d36a7;
  --blue-deep: #082b8f;
  --ice: #77bdf0;
  --ice-soft: #d9efff;
  --paper: #f8fbff;
  --text: #13213d;
  --muted: #5b6880;
  --line: #d9e3ef;
  --max: 1120px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--text);
  background: var(--paper);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
a { color: #0a55b6; text-underline-offset: 3px; }
a:hover { color: #063d87; }
img { max-width: 100%; }

.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

/* Home */
.home-body { background: #092fa1; }
.home-hero {
  min-height: 100svh;
  width: 100%;
  display: grid;
  place-items: center;
  background: #0b32a5;
  overflow: hidden;
}
.home-hero img {
  width: 100%;
  height: 100svh;
  object-fit: contain;
  display: block;
}
.home-footer {
  background: #06184f;
  color: #cce9ff;
  padding: 24px 18px;
  text-align: center;
  font-size: 0.92rem;
}
.home-footer nav {
  display: flex;
  gap: 18px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 10px;
}
.home-footer a { color: #dff3ff; }

/* Compliance / informational pages */
.site-header {
  background: linear-gradient(180deg, var(--blue) 0%, var(--blue-deep) 100%);
  color: white;
  border-bottom: 1px solid rgba(255,255,255,.18);
}
.header-inner {
  max-width: var(--max);
  margin: 0 auto;
  padding: 22px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  color: white;
  text-decoration: none;
  letter-spacing: .055em;
  font-weight: 800;
  text-transform: uppercase;
}
.brand img { width: 42px; height: 42px; border-radius: 8px; }
.site-nav { display: flex; gap: 17px; flex-wrap: wrap; justify-content: flex-end; }
.site-nav a { color: #e8f6ff; text-decoration: none; font-size: .93rem; }
.site-nav a:hover, .site-nav a[aria-current="page"] { text-decoration: underline; }

.page-hero {
  background: #eef7ff;
  border-bottom: 1px solid var(--line);
}
.page-hero-inner {
  max-width: var(--max);
  margin: 0 auto;
  padding: 72px 24px 54px;
}
.eyebrow {
  margin: 0 0 9px;
  font-size: .78rem;
  text-transform: uppercase;
  letter-spacing: .15em;
  font-weight: 800;
  color: #315f99;
}
h1 {
  margin: 0 0 16px;
  max-width: 840px;
  font-size: clamp(2rem, 5vw, 4.2rem);
  line-height: 1.03;
  letter-spacing: -.035em;
  color: var(--ink);
}
.lede {
  margin: 0;
  max-width: 820px;
  font-size: clamp(1.05rem, 2.2vw, 1.3rem);
  color: #40506d;
}

main.content {
  max-width: 920px;
  margin: 0 auto;
  padding: 52px 24px 80px;
}
.content h2 {
  color: var(--ink);
  margin-top: 2.5rem;
  margin-bottom: .7rem;
  font-size: 1.55rem;
  letter-spacing: -.015em;
}
.content h3 {
  color: var(--ink);
  margin-top: 1.8rem;
  margin-bottom: .55rem;
  font-size: 1.15rem;
}
.content p { margin: .65rem 0; }
.content ul { padding-left: 1.4rem; }
.content li { margin: .35rem 0; }

.notice {
  padding: 22px 24px;
  background: #eaf5ff;
  border: 1px solid #b9daf4;
  border-left: 5px solid #1767b8;
  border-radius: 8px;
  margin: 26px 0 34px;
}
.notice strong { color: var(--ink); }

.data-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
  margin: 22px 0 30px;
}
.card {
  border: 1px solid var(--line);
  background: white;
  border-radius: 10px;
  padding: 20px;
}
.card h3 { margin-top: 0; }
.card p:last-child { margin-bottom: 0; }

.meta {
  color: var(--muted);
  font-size: .92rem;
  margin: 0 0 30px;
}

.site-footer {
  border-top: 1px solid var(--line);
  background: #fff;
  color: #56647a;
}
.footer-inner {
  max-width: var(--max);
  margin: 0 auto;
  padding: 30px 24px 38px;
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 28px;
  flex-wrap: wrap;
}
.footer-links { display: flex; gap: 16px; flex-wrap: wrap; }
.footer-links a { color: #344f75; }
.small { font-size: .88rem; }

@media (max-width: 760px) {
  .header-inner { align-items: flex-start; flex-direction: column; }
  .site-nav { justify-content: flex-start; }
  .page-hero-inner { padding-top: 48px; }
  .data-grid { grid-template-columns: 1fr; }
  .home-hero img { height: auto; max-height: 100svh; }
  .home-hero { min-height: auto; }
}