:root {
  --color-primary: #0032a1;
  --color-primary-dark: #00257a;
  --color-secondary: #091739;
  --color-accent: #5f7ed6;
  --color-accent-soft: #eaf1ff;
  --color-background: #f5f8ff;
  --color-surface: #ffffff;
  --color-surface-alt: #f1f5ff;
  --color-border: #d9e2f3;
  --color-text: #22314e;
  --color-heading: #0d1a37;
  --color-muted: #61708f;
  --color-warning-bg: #edf3ff;
  --color-warning-border: #88a0dc;
  --color-danger-bg: #fff4f6;
  --color-danger-border: #d78ba0;
  --shadow-sm: 0 18px 38px rgba(10, 24, 57, 0.06);
  --shadow-md: 0 28px 64px rgba(10, 24, 57, 0.1);
  --radius-lg: 28px;
  --radius-md: 20px;
  --radius-sm: 12px;
  --container: 1200px;
  --article: 780px;
  --font-body: Inter, "Segoe UI", system-ui, -apple-system, BlinkMacSystemFont, sans-serif;
  --font-display: "Iowan Old Style", "Palatino Linotype", "Book Antiqua", Georgia, serif;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font-body);
  background:
    radial-gradient(circle at top left, rgba(95, 126, 214, 0.1), transparent 30%),
    linear-gradient(180deg, #f5f8ff 0%, #fbfcff 240px, #f6f9ff 100%);
  color: var(--color-text);
  font-size: 16px;
  line-height: 1.7;
}

h1,
h2,
.brand__name {
  font-family: var(--font-display);
  color: var(--color-heading);
}

h3,
h4 {
  color: var(--color-heading);
}

a {
  color: var(--color-primary);
  text-decoration: none;
}

a:hover,
a:focus-visible {
  text-decoration: underline;
}

img {
  max-width: 100%;
  display: block;
}

button,
input,
select,
textarea {
  font: inherit;
}

button {
  cursor: pointer;
}

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

.skip-link {
  position: absolute;
  left: 16px;
  top: -56px;
  z-index: 1000;
  padding: 12px 16px;
  background: var(--color-secondary);
  color: #fff;
  border-radius: var(--radius-sm);
}

.skip-link:focus {
  top: 16px;
}

.container {
  width: min(calc(100% - 48px), var(--container));
  margin: 0 auto;
}

.article-container {
  width: min(calc(100% - 48px), var(--article));
  margin: 0 auto;
}

.site-banner {
  display: none;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(247, 250, 255, 0.84);
  border-bottom: 1px solid rgba(0, 50, 161, 0.08);
  backdrop-filter: blur(16px);
}

.header-inner {
  min-height: 70px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  display: inline-flex;
  flex-direction: column;
  color: var(--color-text);
  text-decoration: none;
}

.brand:hover,
.brand:focus-visible {
  text-decoration: none;
}

.brand__name {
  font-size: 1.45rem;
  font-weight: 700;
  letter-spacing: -0.04em;
}

.brand__tagline {
  font-size: 0.82rem;
  color: var(--color-muted);
  letter-spacing: 0.02em;
}

.desktop-nav {
  display: flex;
  align-items: center;
  gap: 18px;
}

.nav-link,
.dropdown-link {
  color: var(--color-text);
  font-weight: 600;
  padding: 8px 0;
  position: relative;
  text-decoration: none;
  font-size: 0.95rem;
}

.nav-link:hover,
.nav-link:focus-visible,
.dropdown-link:hover,
.dropdown-link:focus-visible {
  color: var(--color-primary-dark);
  text-decoration: none;
}

.nav-link.is-active,
.dropdown-link.is-active {
  color: var(--color-primary-dark);
}

.nav-link.is-active::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: -22px;
  height: 2px;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--color-primary), var(--color-accent));
}

.nav-dropdown {
  position: relative;
}

.dropdown-menu {
  position: absolute;
  top: calc(100% + 16px);
  left: 0;
  min-width: 220px;
  padding: 12px;
  background: rgba(255, 255, 255, 0.98);
  border: 1px solid rgba(0, 50, 161, 0.1);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-md);
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: opacity 0.18s ease, transform 0.18s ease, visibility 0.18s ease;
}

.nav-dropdown:hover .dropdown-menu,
.nav-dropdown:focus-within .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.dropdown-link {
  display: block;
  padding: 10px 12px;
  border-radius: var(--radius-sm);
}

.dropdown-link:hover,
.dropdown-link:focus-visible {
  background: var(--color-surface-alt);
}

.menu-toggle {
  display: none;
  width: 46px;
  height: 46px;
  border: 1px solid rgba(0, 50, 161, 0.12);
  background: rgba(255, 255, 255, 0.88);
  border-radius: var(--radius-sm);
  padding: 0;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 4px;
}

.menu-toggle__line {
  width: 18px;
  height: 2px;
  background: var(--color-text);
  border-radius: 999px;
}

.mobile-menu {
  border-top: 1px solid rgba(0, 50, 161, 0.08);
  background: rgba(247, 250, 255, 0.98);
}

.mobile-menu__inner {
  padding: 12px 0 20px;
  display: grid;
  gap: 10px;
}

.mobile-nav-link,
.mobile-accordion-toggle,
.mobile-sub-link {
  display: block;
  width: 100%;
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  color: var(--color-text);
  text-decoration: none;
  font-weight: 600;
  border: 1px solid transparent;
  background: transparent;
  text-align: left;
}

.mobile-nav-link:hover,
.mobile-nav-link:focus-visible,
.mobile-sub-link:hover,
.mobile-sub-link:focus-visible,
.mobile-accordion-toggle:hover,
.mobile-accordion-toggle:focus-visible {
  background: var(--color-surface-alt);
  text-decoration: none;
}

.mobile-nav-link.is-active,
.mobile-sub-link.is-active,
.mobile-accordion-toggle.is-active {
  color: var(--color-primary-dark);
  border-color: rgba(0, 50, 161, 0.12);
  background: rgba(0, 50, 161, 0.04);
}

.mobile-accordion-toggle {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.accordion-icon {
  font-size: 1.25rem;
  line-height: 1;
}

.mobile-accordion-panel {
  padding-left: 16px;
}

.mobile-sub-link {
  font-weight: 500;
}

.site-main {
  min-height: 60vh;
}

.page-section {
  padding: 78px 0;
}

.page-section--muted {
  background: linear-gradient(180deg, rgba(231, 239, 255, 0.78) 0%, rgba(255, 255, 255, 0.84) 100%);
}

.section-intro,
.page-intro {
  max-width: 720px;
  margin-bottom: 28px;
}

.section-intro h2,
.standard-hero h1,
.article-hero h1 {
  text-wrap: balance;
}

.eyebrow {
  display: inline-block;
  margin-bottom: 18px;
  padding: 7px 12px;
  border-radius: 999px;
  background: rgba(0, 50, 161, 0.08);
  color: var(--color-primary-dark);
  font-weight: 700;
  font-size: 0.82rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.hero {
  position: relative;
  overflow: hidden;
  padding: 102px 0 88px;
  background:
    radial-gradient(circle at 14% 14%, rgba(95, 126, 214, 0.16), transparent 28%),
    radial-gradient(circle at 84% 16%, rgba(0, 50, 161, 0.12), transparent 22%),
    linear-gradient(180deg, #edf4ff 0%, #f9fbff 50%, #ffffff 100%);
}

.hero::before {
  content: "";
  position: absolute;
  inset: auto auto -140px -120px;
  width: 360px;
  height: 360px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(95, 126, 214, 0.14), transparent 70%);
  pointer-events: none;
}

.hero::after {
  content: "";
  position: absolute;
  inset: auto -120px -180px auto;
  width: 440px;
  height: 440px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(0, 50, 161, 0.1), transparent 72%);
  pointer-events: none;
}

.hero__inner {
  position: relative;
  max-width: 860px;
  text-align: center;
  margin: 0 auto;
  padding: 50px 42px;
  background: rgba(255, 255, 255, 0.7);
  border: 1px solid rgba(0, 50, 161, 0.08);
  border-radius: 34px;
  box-shadow: 0 28px 70px rgba(10, 24, 57, 0.08);
}

.hero h1 {
  margin: 0 0 20px;
  font-size: clamp(2.5rem, 5vw, 4.8rem);
  line-height: 1.02;
  letter-spacing: -0.05em;
}

.hero__subtitle {
  margin: 0 auto 18px;
  max-width: 720px;
  color: var(--color-muted);
  font-size: clamp(1.05rem, 2vw, 1.3rem);
}

.hero__note {
  margin: 0 auto 30px;
  max-width: 650px;
  color: var(--color-primary-dark);
}

.button-row {
  display: flex;
  justify-content: center;
  gap: 16px;
  flex-wrap: wrap;
}

.button-primary,
.button-secondary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 50px;
  padding: 12px 24px;
  border-radius: 999px;
  font-weight: 700;
  transition: background 0.2s ease, color 0.2s ease, border-color 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease;
  text-decoration: none;
}

.button-primary {
  background: linear-gradient(135deg, var(--color-primary), #214fc4);
  color: #fff;
  border: 1px solid var(--color-primary);
  box-shadow: 0 12px 28px rgba(0, 50, 161, 0.2);
}

.button-primary:hover,
.button-primary:focus-visible {
  background: linear-gradient(135deg, var(--color-primary-dark), var(--color-primary));
  border-color: var(--color-primary-dark);
  transform: translateY(-1px);
  text-decoration: none;
}

.button-secondary {
  background: rgba(255, 255, 255, 0.86);
  color: var(--color-primary-dark);
  border: 1px solid rgba(0, 50, 161, 0.18);
}

.button-secondary:hover,
.button-secondary:focus-visible {
  background: var(--color-primary);
  color: #fff;
  text-decoration: none;
}

.card,
.panel,
.guide-card,
.trust-card,
.contact-panel,
.legal-card,
.detail-card,
.toc-card {
  position: relative;
  overflow: hidden;
  background: rgba(255, 255, 255, 0.94);
  border: 1px solid rgba(0, 50, 161, 0.08);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
}

.card::before,
.panel::before,
.guide-card::before,
.trust-card::before,
.contact-panel::before,
.legal-card::before,
.detail-card::before,
.toc-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto;
  height: 3px;
  background: linear-gradient(90deg, rgba(0, 50, 161, 0.86), rgba(95, 126, 214, 0.35));
}

.panel,
.legal-card,
.detail-card,
.contact-panel,
.toc-card {
  padding: 28px;
}

.guide-grid,
.trust-grid,
.detail-grid,
.contact-grid,
.resource-grid {
  display: grid;
  gap: 24px;
}

.guide-grid {
  grid-template-columns: minmax(0, 1.15fr) minmax(280px, 0.85fr);
  align-items: stretch;
}

.guide-card {
  padding: 28px;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.guide-card:hover,
.guide-card:focus-within {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.guide-card--featured {
  grid-row: span 2;
  border-color: rgba(0, 50, 161, 0.14);
  background: linear-gradient(180deg, rgba(234, 241, 255, 0.96), rgba(255, 255, 255, 0.98));
}

.guide-card--featured h3 {
  font-size: 1.8rem;
  margin-bottom: 12px;
}

.guide-card__icon,
.trust-card__icon {
  width: 54px;
  height: 54px;
  border-radius: 16px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 1.45rem;
  margin-bottom: 16px;
  background: linear-gradient(180deg, rgba(0, 50, 161, 0.08), rgba(95, 126, 214, 0.12));
  box-shadow: inset 0 0 0 1px rgba(0, 50, 161, 0.05);
}

.guide-card h3,
.trust-card h3,
.detail-card h3,
.contact-panel h2,
.legal-card h2,
.toc-card h2,
.article-content h2,
.article-content h3 {
  margin-top: 0;
  line-height: 1.22;
}

.guide-card p,
.trust-card p,
.detail-card p,
.article-content p,
.legal-card p,
.contact-panel p,
.toc-card p {
  margin-top: 0;
  color: var(--color-text);
}

.guide-card__link {
  display: inline-flex;
  margin-top: 14px;
  color: var(--color-primary-dark);
  font-weight: 700;
}

.trust-grid,
.detail-grid,
.contact-grid,
.resource-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.trust-card {
  padding: 24px;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.96), rgba(243, 247, 255, 0.96));
}

.content-list,
.warning-list,
.check-list,
.x-list,
.legal-list,
.resource-list {
  margin: 0;
  padding-left: 20px;
}

.content-list li + li,
.warning-list li + li,
.check-list li + li,
.x-list li + li {
  margin-top: 6px;
}

.check-list li::marker {
  content: "✓ ";
  color: #15803d;
}

.x-list li::marker {
  content: "✗ ";
  color: #a95d76;
}

.warning-list li::marker {
  content: "• ";
  color: var(--color-accent);
}

.article-hero {
  padding: 54px 0 22px;
  background:
    radial-gradient(circle at 10% 0%, rgba(95, 126, 214, 0.12), transparent 25%),
    linear-gradient(180deg, rgba(236, 242, 255, 0.6), rgba(255, 255, 255, 0));
}

.article-hero h1,
.standard-hero h1 {
  margin: 0 0 16px;
  line-height: 1.05;
  letter-spacing: -0.04em;
  font-size: clamp(2.05rem, 4vw, 3.6rem);
}

.article-kicker {
  margin: 0 0 16px;
  max-width: 700px;
  color: var(--color-primary-dark);
  font-size: 1.02rem;
}

.article-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 12px 16px;
  margin-bottom: 28px;
  color: var(--color-primary-dark);
  font-size: 0.94rem;
}

.article-meta span {
  display: inline-flex;
  align-items: center;
  min-height: 36px;
  padding: 6px 12px;
  border-radius: 999px;
  background: rgba(0, 50, 161, 0.06);
  border: 1px solid rgba(0, 50, 161, 0.08);
}

.article-layout {
  display: grid;
  grid-template-columns: minmax(0, 250px) minmax(0, 1fr);
  gap: 28px;
  align-items: start;
}

.toc-card {
  position: sticky;
  top: 104px;
  background: linear-gradient(180deg, rgba(240, 245, 255, 0.98), rgba(255, 255, 255, 0.98));
}

.toc-card ul {
  margin: 0;
  padding-left: 18px;
}

.toc-card li + li {
  margin-top: 8px;
}

.toc-card a {
  color: var(--color-text);
}

.toc-card a:hover,
.toc-card a:focus-visible {
  color: var(--color-primary-dark);
}

.article-content section + section {
  margin-top: 40px;
}

.article-content h2 {
  margin-bottom: 14px;
  padding-bottom: 10px;
  border-bottom: 1px solid rgba(0, 50, 161, 0.08);
  font-size: clamp(1.45rem, 2.5vw, 2rem);
}

.article-content h3 {
  margin-bottom: 10px;
  font-size: 1.16rem;
}

.breadcrumbs {
  margin-bottom: 16px;
  font-size: 14px;
  color: var(--color-muted);
}

.breadcrumbs__list {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 6px 10px;
  list-style: none;
  padding: 0;
  margin: 0;
}

.breadcrumbs__item {
  display: inline-flex;
  align-items: center;
  gap: 10px;
}

.breadcrumbs__item:not(:last-child)::after {
  content: ">";
  color: var(--color-muted);
}

.breadcrumbs__current {
  color: var(--color-text);
}

.callout {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 16px;
  padding: 22px;
  border: 1px solid transparent;
  border-radius: 18px;
  margin-bottom: 28px;
  box-shadow: var(--shadow-sm);
}

.callout--warning,
.callout--info {
  background: var(--color-warning-bg);
  border-color: var(--color-warning-border);
}

.callout--danger {
  background: var(--color-danger-bg);
  border-color: var(--color-danger-border);
}

.callout__icon {
  font-size: 1.2rem;
  line-height: 1;
  color: var(--color-primary-dark);
}

.callout__title {
  margin: 0 0 10px;
  font-size: 1.05rem;
}

.callout__content > *:last-child {
  margin-bottom: 0;
}

.note-text {
  margin-top: 18px;
  color: var(--color-muted);
  font-style: italic;
  padding-left: 14px;
  border-left: 3px solid rgba(0, 50, 161, 0.16);
}

.step-list {
  display: grid;
  gap: 14px;
  margin-top: 20px;
}

.step-card {
  display: grid;
  grid-template-columns: 64px 1fr;
  gap: 16px;
  padding: 24px;
  border: 1px solid rgba(0, 50, 161, 0.08);
  border-radius: var(--radius-md);
  background: rgba(255, 255, 255, 0.95);
  box-shadow: var(--shadow-sm);
}

.step-card__marker {
  position: relative;
  display: flex;
  justify-content: center;
}

.step-card__badge {
  width: 40px;
  height: 40px;
  border-radius: 999px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, var(--color-primary), #214fc4);
  color: #fff;
  font-weight: 700;
  box-shadow: 0 10px 18px rgba(0, 50, 161, 0.18);
}

.step-card__line {
  position: absolute;
  top: 46px;
  bottom: -46px;
  width: 2px;
  background: rgba(0, 50, 161, 0.18);
}

.step-card__content p:last-child,
.step-card__content ul:last-child {
  margin-bottom: 0;
}

.faq-list {
  border: 1px solid rgba(0, 50, 161, 0.08);
  border-radius: var(--radius-md);
  overflow: hidden;
  background: rgba(255, 255, 255, 0.95);
  box-shadow: var(--shadow-sm);
}

.faq-item + .faq-item {
  border-top: 1px solid var(--color-border);
}

.faq-button {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 20px;
  border: 0;
  background: rgba(255, 255, 255, 0.96);
  font-weight: 700;
  text-align: left;
}

.faq-button:hover,
.faq-button:focus-visible {
  background: var(--color-surface-alt);
}

.faq-button__icon {
  flex-shrink: 0;
  width: 32px;
  height: 32px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  font-size: 1rem;
  background: rgba(0, 50, 161, 0.08);
  color: var(--color-primary-dark);
}

.faq-panel {
  padding: 0 20px 20px;
}

.table-wrap {
  overflow-x: auto;
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  border: 1px solid rgba(0, 50, 161, 0.08);
  border-radius: var(--radius-md);
  overflow: hidden;
  background: rgba(255, 255, 255, 0.95);
  box-shadow: var(--shadow-sm);
}

.comparison-table th,
.comparison-table td {
  padding: 14px 16px;
  border-bottom: 1px solid var(--color-border);
  text-align: left;
  vertical-align: top;
}

.comparison-table thead th {
  background: var(--color-surface-alt);
}

.comparison-table tbody tr:last-child th,
.comparison-table tbody tr:last-child td {
  border-bottom: 0;
}

.standard-hero {
  padding: 50px 0 30px;
  background:
    radial-gradient(circle at 10% 0%, rgba(95, 126, 214, 0.12), transparent 25%),
    linear-gradient(180deg, rgba(236, 242, 255, 0.6), rgba(255, 255, 255, 0));
}

.legal-stack,
.article-stack {
  display: grid;
  gap: 24px;
}

.legal-card h2 {
  margin-bottom: 10px;
}

.contact-grid {
  grid-template-columns: minmax(0, 0.95fr) minmax(0, 1.05fr);
}

.contact-meta {
  display: grid;
  gap: 18px;
}

.contact-meta strong {
  display: block;
  margin-bottom: 4px;
  color: var(--color-primary-dark);
}

.form-grid {
  display: grid;
  gap: 16px;
}

.form-field {
  display: grid;
  gap: 8px;
}

.form-field label {
  font-weight: 700;
}

.form-field input,
.form-field select,
.form-field textarea {
  width: 100%;
  border: 1px solid rgba(0, 50, 161, 0.14);
  border-radius: var(--radius-sm);
  padding: 12px 14px;
  background: rgba(255, 255, 255, 0.92);
}

.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
  outline: 2px solid rgba(0, 50, 161, 0.18);
  border-color: rgba(0, 50, 161, 0.32);
}

.form-field textarea {
  min-height: 160px;
  resize: vertical;
}

.form-help {
  font-size: 0.95rem;
  color: var(--color-muted);
}

.site-footer {
  margin-top: 78px;
  background:
    radial-gradient(circle at top right, rgba(95, 126, 214, 0.18), transparent 24%),
    linear-gradient(180deg, #0b1737 0%, #08132d 100%);
  color: #d8e1ff;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr 0.9fr 1.1fr;
  gap: 32px;
  padding: 68px 0 54px;
}

.footer-heading {
  margin: 0 0 12px;
  color: #fff;
  font-size: 1.15rem;
}

.footer-list {
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-list li + li {
  margin-top: 8px;
}

.site-footer a {
  color: #afc5ff;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.14);
}

.footer-bottom .container {
  padding: 18px 0 22px;
}

.footer-bottom p {
  margin: 0;
}

@media (max-width: 1024px) {
  .article-layout,
  .guide-grid,
  .trust-grid,
  .detail-grid,
  .contact-grid,
  .resource-grid,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .guide-card--featured {
    grid-row: auto;
  }

  .toc-card {
    position: static;
  }
}

@media (max-width: 820px) {
  .desktop-nav {
    display: none;
  }

  .menu-toggle {
    display: inline-flex;
  }
}

@media (max-width: 640px) {
  .container,
  .article-container {
    width: min(calc(100% - 32px), var(--container));
  }

  .header-inner {
    min-height: 60px;
  }

  .page-section,
  .hero {
    padding: 58px 0;
  }

  .hero__inner {
    padding: 36px 24px;
    border-radius: 26px;
  }

  .step-card {
    grid-template-columns: 1fr;
  }

  .step-card__marker {
    justify-content: flex-start;
  }

  .step-card__line {
    display: none;
  }

  .callout {
    grid-template-columns: 1fr;
  }

  .faq-button {
    padding: 16px;
  }

  .faq-panel {
    padding: 0 16px 16px;
  }

  .article-meta {
    gap: 10px;
  }
}