:root {
  --navy: #0a2a5e;
  --teal: #1747a6;
  --teal-mid: #1f5fd1;
  --teal-soft: #bcd3fb;
  --amber: #c8102e;
  --amber-soft: #ff8a8a;
  --ink: #1a2b3c;
  --muted: #4a5a72;
  --line: #d6e0ef;
  --bg: #f4f7fc;
  --card: #ffffff;
  --ok: #1747a6;
  --radius: 14px;
  --shadow: 0 12px 32px rgba(10,42,94,.12);
  --max: 1080px;
  --font: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --serif: "Merriweather", Georgia, "Times New Roman", serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.55;
}
img { max-width: 100%; display: block; }
a { color: var(--teal); }
.wrap { width: min(100% - 2rem, var(--max)); margin-inline: auto; }

/* Header */
.topbar {
  background: linear-gradient(135deg, var(--navy) 0%, var(--teal) 60%, var(--teal-mid) 100%);
  color: #fff;
  position: sticky; top: 0; z-index: 40;
  box-shadow: 0 2px 12px rgba(10,42,94,.25);
}
.topbar::after {
  content: "";
  display: block; height: 3px;
  background: linear-gradient(90deg, var(--amber), var(--amber-soft), var(--amber));
}
.topbar-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: .75rem; padding: .75rem 0; flex-wrap: wrap;
}
.brand { display: flex; align-items: center; gap: .7rem; text-decoration: none; color: inherit; }
.brand-mark {
  width: 40px; height: 40px; border-radius: 10px;
  background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.2);
  display: grid; place-items: center; font-weight: 800; font-size: .95rem; flex-shrink: 0;
  color: var(--amber-soft);
}
.brand-text strong { display: block; font-size: .95rem; letter-spacing: .01em; }
.brand-text span { display: block; font-size: .72rem; color: var(--teal-soft); }
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .45rem;
  border: 0; border-radius: 999px; padding: .7rem 1.15rem;
  font-weight: 700; font-size: .95rem; text-decoration: none; cursor: pointer;
  transition: transform .12s ease, box-shadow .12s ease, background .12s ease;
}
.btn:hover { transform: translateY(-1px); }
.btn-call {
  background: var(--amber); color: #fff;
  box-shadow: 0 4px 14px rgba(232,160,74,.35);
}
.btn-call:hover { background: #a50d26; color: #fff; }
.btn-primary {
  background: var(--teal); color: #fff;
  box-shadow: 0 6px 18px rgba(14,95,110,.28);
}
.btn-primary:hover { background: var(--teal-mid); }
.btn-primary:disabled { opacity: .65; cursor: wait; transform: none; }

/* Hero */
\.hero {
  padding: 1rem 0 1.25rem;
}
.hero-grid {
  display: grid; gap: 1.25rem; align-items: start;
}
@media (min-width: 900px) {
  .hero-grid { grid-template-columns: 1fr 1.05fr; gap: 1.5rem; }
}
.hero-left { min-width: 0; }
.eyebrow {
  display: inline-block;
  font-size: .7rem; letter-spacing: .14em; text-transform: uppercase;
  font-weight: 700; color: var(--teal); margin-bottom: .4rem;
}
.hero h1 {
  font-family: var(--serif);
  font-size: clamp(1.45rem, 2.6vw, 1.95rem);
  line-height: 1.15; color: var(--navy); margin: 0 0 .5rem;
}
.hero-lead { color: var(--muted); font-size: .98rem; margin: 0 0 .75rem; max-width: 36rem; }
.hero-points { list-style: none; padding: 0; margin: 0 0 .75rem; display: grid; gap: .35rem; }
.hero-points li {
  display: flex; gap: .5rem; align-items: flex-start;
  font-size: .9rem; color: var(--ink);
}
.hero-points li::before {
  content: ""; flex: 0 0 16px; width: 16px; height: 16px; margin-top: .18rem;
  border-radius: 50%; background: var(--teal);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath fill='%23fff' d='M6.2 11.1 3.4 8.3l1.1-1.1 1.7 1.7 4.3-4.3 1.1 1.1z'/%3E%3C/svg%3E");
  background-size: 12px 12px; background-position: center; background-repeat: no-repeat;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: .55rem; margin-top: .2rem; }
@media (max-width: 719px) {
  .hero-actions .btn-call { display: none; }
}

/* Small PDF thumbnail beside/under headline (not full mockup) */
.mockup-thumb {
  display: flex; gap: .85rem; align-items: center;
  background: linear-gradient(160deg, #0a2a5e, #1747a6 70%);
  border-radius: 12px; padding: .65rem .75rem;
  margin: 0 0 .85rem; max-width: 22rem;
  box-shadow: 0 8px 20px rgba(10,42,94,.15);
}
.mockup-thumb img {
  width: 88px; height: auto; border-radius: 6px; flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(0,0,0,.25); background: #fff;
}
.mockup-thumb .thumb-meta { color: #dbe6fb; font-size: .78rem; line-height: 1.35; }
.mockup-thumb .thumb-meta strong { display: block; color: #fff; font-size: .85rem; margin-bottom: .15rem; }
.mockup-thumb .thumb-badge {
  display: inline-block; margin-top: .3rem;
  background: var(--amber); color: #fff;
  font-size: .62rem; font-weight: 800; letter-spacing: .05em;
  padding: .15rem .4rem; border-radius: 999px;
}

/* Right column: form at top on desktop; near top on mobile */
.hero-right { display: flex; flex-direction: column; gap: 0; min-width: 0; }
@media (max-width: 899px) {
  .hero-grid { display: flex; flex-direction: column; gap: .9rem; }
  .hero-left { order: 0; }
  .hero-right { order: 1; }
  /* Short intro then form near top of first screen */
  .hero-left .mockup-thumb,
  .hero-left .hero-points,
  .hero-left .hero-actions { display: none; }
}

.form-card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: .85rem 1rem .95rem;
  box-shadow: var(--shadow);
}
.form-card h2 {
  font-family: var(--serif); font-size: 1.15rem; color: var(--navy);
  margin: 0 0 .15rem;
}
.form-card .sub { color: var(--muted); font-size: .8rem; margin: 0 0 .55rem; line-height: 1.35; }
label { display: block; font-size: .75rem; font-weight: 600; margin: .28rem 0 .12rem; color: var(--ink); }
label .opt { font-weight: 500; color: var(--muted); }
input, select, textarea {
  width: 100%; font: inherit; font-size: .9rem; color: var(--ink);
  border: 1px solid var(--line); border-radius: 8px;
  padding: .45rem .6rem; background: #fff;
}
input:focus, select:focus, textarea:focus {
  outline: 2px solid rgba(14,95,110,.35); border-color: var(--teal);
}
textarea { min-height: 48px; resize: vertical; }
.form-row { display: grid; gap: .25rem; }
@media (min-width: 560px) {
  .form-row.two { grid-template-columns: 1fr 1fr; gap: .55rem; }
}
.hp { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; opacity: 0; }
.consent {
  display: flex; gap: .45rem; align-items: flex-start;
  margin: .55rem 0 .2rem; font-size: .7rem; color: var(--muted); line-height: 1.35;
}
.consent input { width: auto; margin-top: .15rem; flex-shrink: 0; }
.hint { font-size: .7rem; color: var(--muted); margin: .4rem 0 0; }
.form-card .btn { width: 100%; margin-top: .55rem; padding: .7rem 1rem; font-size: .9rem; }
.form-error {
  background: #fef2f2; color: #991b1b; border: 1px solid #fecaca;
  border-radius: 10px; padding: .65rem .8rem; font-size: .85rem; margin-bottom: .7rem;
}
.thanks {
  text-align: left;
}
.thanks h2 { margin-bottom: .4rem; }
.thanks p { color: var(--muted); margin: 0 0 .85rem; }
.thanks .btn { width: auto; display: inline-flex; }

/* Sections */
.section { padding: 1.75rem 0; }
.section h2 {
  font-family: var(--serif); font-size: 1.4rem; color: var(--navy); margin: 0 0 .85rem;
}
.card {
  background: var(--card); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 1.1rem 1.2rem; margin-bottom: .85rem;
}
.disclaimer {
  background: #fff8eb; border: 1px solid #f0d9a8; border-radius: var(--radius);
  padding: 1rem 1.15rem; color: #5c4315; font-size: .9rem;
}
.disclaimer strong { color: #3f2e0c; }
.faq details {
  background: var(--card); border: 1px solid var(--line);
  border-radius: 12px; padding: .85rem 1rem; margin-bottom: .55rem;
}
.faq summary {
  cursor: pointer; font-weight: 700; color: var(--navy); list-style: none;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; float: right; color: var(--teal); font-weight: 700; }
.faq details[open] summary::after { content: "–"; }
.faq details > div { margin-top: .55rem; color: var(--muted); font-size: .95rem; }

.contact-block {
  background: linear-gradient(135deg, var(--navy), var(--teal));
  color: #fff; border-radius: var(--radius); padding: 1.25rem 1.35rem;
  display: grid; gap: 1rem;
}
@media (min-width: 700px) {
  .contact-block { grid-template-columns: 1.2fr .8fr; align-items: center; }
}
.contact-block h2 { color: #fff; margin: 0 0 .4rem; font-size: 1.25rem; }
.contact-block p { margin: 0; color: var(--teal-soft); }
.contact-card {
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.15);
  border-radius: 12px; padding: 1rem 1.1rem;
}
.contact-card strong { display: block; font-size: 1.05rem; margin-bottom: .35rem; }
.contact-card a { color: var(--amber-soft); text-decoration: none; font-weight: 600; }
.contact-card a:hover { text-decoration: underline; }
.contact-card .loc { color: #dbe6fb; font-size: .9rem; margin-top: .25rem; }

footer {
  padding: 1.5rem 0 5.5rem; color: var(--muted); font-size: .82rem;
}
footer .fine { max-width: 52rem; }
@media (min-width: 720px) { footer { padding-bottom: 2rem; } }

.mobile-call {
  position: fixed; left: 1rem; right: 1rem; bottom: 1rem; z-index: 50;
  display: none;
  box-shadow: 0 8px 24px rgba(10,42,94,.3);
}
@media (max-width: 719px) {
  .mobile-call { display: flex; }
  body { padding-bottom: 4.5rem; }
}
.visually-hidden {
  position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}

/* Article pages */
.article-hero .hero-lead { max-width: 40rem; }
.article-body {
  max-width: 40rem;
}
.article-body p { color: var(--ink); margin: 0 0 1rem; font-size: 1.02rem; }
.article-body h2 {
  font-family: var(--serif); font-size: 1.25rem; color: var(--navy);
  margin: 1.6rem 0 .65rem;
}
.article-body ul { margin: 0 0 1rem; padding-left: 1.2rem; color: var(--ink); }
.article-body li { margin: 0 0 .4rem; }
.article-body .note {
  background: #fff8eb; border: 1px solid #f0d9a8; border-radius: 12px;
  padding: .85rem 1rem; color: #5c4315; font-size: .92rem; margin: 1rem 0;
}
.guides {
  display: grid; gap: .65rem;
}
@media (min-width: 700px) {
  .guides { grid-template-columns: 1fr 1fr; }
}
.guides a {
  display: block; text-decoration: none; color: inherit;
  background: var(--card); border: 1px solid var(--line);
  border-radius: 12px; padding: .9rem 1rem;
  transition: border-color .12s, box-shadow .12s;
}
.guides a:hover { border-color: var(--teal-soft); box-shadow: var(--shadow); }
.guides a strong { display: block; color: var(--navy); margin-bottom: .2rem; }
.guides a span { color: var(--muted); font-size: .88rem; }
.crumb { font-size: .8rem; color: var(--muted); margin: 0 0 .5rem; }
.crumb a { color: var(--teal); text-decoration: none; }
.nav-guides {
  display: flex; flex-wrap: wrap; gap: .5rem .85rem;
  font-size: .82rem; padding: .35rem 0 .15rem;
}
.nav-guides a { color: var(--teal-soft); text-decoration: none; }
.nav-guides a:hover { text-decoration: underline; color: #fff; }
.related { margin-top: .5rem; }
.related ul { list-style: none; padding: 0; margin: 0; display: grid; gap: .4rem; }
.related a { color: var(--teal); font-weight: 600; text-decoration: none; }
.related a:hover { text-decoration: underline; }
.topbar-inner { flex-wrap: wrap; }
@media (max-width: 899px) {
  .article-hero .hero-left .hero-points,
  .article-hero .hero-left .hero-actions { display: none; }
}