@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@600;700&family=Open+Sans:wght@400;600&display=swap');

:root {
  --bg: #F8F8F8;
  --bg-alt: #F0F4F7;
  --surface: #FFFFFF;
  --text: #2C3E50;
  --accent: #4CAF50;
  --accent-dark: #3d8b40;
  --highlight: #FFC107;
  --line: #E0E0E0;
  --radius-card: 10px;
  --radius-btn: 6px;
  --container: 1200px;
  --header-h: 72px;
}

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

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  margin: 0;
  font-family: 'Open Sans', Arial, sans-serif;
  font-size: 18px;
  line-height: 1.6;
  color: var(--text);
  background: var(--bg);
}

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

a {
  color: var(--accent-dark);
  text-decoration-thickness: 1px;
  text-underline-offset: 3px;
}

a:hover {
  color: var(--accent);
}

h1,
h2,
h3,
h4 {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
  line-height: 1.25;
  margin: 0 0 16px;
  text-transform: none;
  color: var(--text);
}

h1 { font-size: 48px; font-weight: 700; }
h2 { font-size: 32px; }
h3 { font-size: 24px; }
h4 { font-size: 20px; }

p {
  margin: 0 0 16px;
}

ul {
  margin: 0 0 16px;
  padding-left: 22px;
}

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 8px;
  background: var(--text);
  color: #fff;
  padding: 8px 16px;
  border-radius: var(--radius-btn);
  z-index: 200;
}

.skip-link:focus {
  left: 8px;
  color: #fff;
}

:focus-visible {
  outline: 3px solid var(--highlight);
  outline-offset: 2px;
}

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: #FFFFFF;
  box-shadow: 0 1px 6px rgba(44, 62, 80, 0.08);
}

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

.brand {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  font-size: 26px;
  color: var(--text);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.brand:hover {
  color: var(--text);
}

.brand-mark {
  display: inline-block;
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: var(--highlight);
}

.main-nav ul {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
  margin: 0;
  padding: 0;
}

.main-nav a {
  display: block;
  padding: 8px 12px;
  font-size: 16px;
  font-weight: 600;
  color: var(--text);
  text-decoration: none;
  border-radius: var(--radius-btn);
}

.main-nav a:hover,
.main-nav a[aria-current="page"] {
  color: var(--accent-dark);
  background: var(--bg-alt);
}

.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  padding: 0;
  background: transparent;
  border: 1px solid var(--line);
  border-radius: var(--radius-btn);
  cursor: pointer;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 5px;
}

.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--text);
  transition: transform 0.2s ease, opacity 0.2s ease;
}

.nav-toggle[aria-expanded="true"] span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.nav-toggle[aria-expanded="true"] span:nth-child(2) {
  opacity: 0;
}

.nav-toggle[aria-expanded="true"] span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* Buttons */
.btn {
  display: inline-block;
  padding: 14px 28px;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 16px;
  font-weight: 600;
  line-height: 1.2;
  color: #FFFFFF;
  background: var(--accent);
  border: 2px solid var(--accent);
  border-radius: var(--radius-btn);
  text-decoration: none;
  cursor: pointer;
  transition: background 0.2s ease, border-color 0.2s ease;
}

.btn:hover {
  background: var(--accent-dark);
  border-color: var(--accent-dark);
  color: #FFFFFF;
}

.btn-outline {
  background: transparent;
  color: var(--text);
  border-color: var(--text);
}

.btn-outline:hover {
  background: var(--text);
  border-color: var(--text);
  color: #FFFFFF;
}

.btn-row {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-top: 24px;
}

.text-link {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
  font-size: 16px;
}

/* Sections */
.section {
  padding: 96px 0;
}

.section-alt {
  background: var(--bg-alt);
}

.section-head {
  max-width: 720px;
  margin-bottom: 48px;
}

.eyebrow {
  display: inline-block;
  margin-bottom: 12px;
  padding: 4px 12px;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 14px;
  font-weight: 600;
  color: var(--text);
  background: rgba(255, 193, 7, 0.28);
  border-radius: 999px;
}

/* Hero */
.hero {
  padding: 72px 0 96px;
}

.hero-grid {
  display: flex;
  align-items: center;
  gap: 56px;
}

.hero-copy {
  flex: 0 0 60%;
  max-width: 60%;
  padding-right: 8px;
}

.hero-copy .lead {
  font-size: 20px;
  max-width: 620px;
}

.hero-media {
  flex: 1 1 0;
  min-width: 0;
}

.hero-media img {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  border-radius: var(--radius-card);
}

.hero-notes {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
  margin: 32px 0 0;
  padding: 0;
  list-style: none;
  font-size: 16px;
}

.hero-notes li {
  display: flex;
  align-items: center;
  gap: 8px;
}

.hero-notes li::before {
  content: "";
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--highlight);
}

/* Grids and cards */
.grid {
  display: grid;
  gap: 32px;
}

.grid-3 {
  grid-template-columns: repeat(3, 1fr);
}

.grid-2 {
  grid-template-columns: repeat(2, 1fr);
}

.grid-4 {
  grid-template-columns: repeat(4, 1fr);
}

.card {
  display: flex;
  flex-direction: column;
  padding: 32px;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-card);
  transition: box-shadow 0.2s ease, transform 0.2s ease;
}

.card:hover {
  box-shadow: 0 10px 28px rgba(44, 62, 80, 0.1);
  transform: translateY(-2px);
}

.card h3 {
  margin-bottom: 12px;
}

.card p {
  flex: 1 1 auto;
}

.card .tag {
  align-self: flex-start;
  margin-bottom: 16px;
  padding: 2px 10px;
  font-size: 14px;
  font-weight: 600;
  background: var(--bg-alt);
  border-radius: 999px;
}

.card-media {
  padding: 0;
  overflow: hidden;
}

.card-media img {
  width: 100%;
  aspect-ratio: 16 / 10;
  object-fit: cover;
}

.card-body {
  display: flex;
  flex-direction: column;
  flex: 1 1 auto;
  padding: 28px 32px 32px;
}

.card-body p {
  flex: 1 1 auto;
}

/* Split blocks */
.split {
  display: flex;
  align-items: center;
  gap: 64px;
}

.split > * {
  flex: 1 1 0;
  min-width: 0;
}

.split img {
  width: 100%;
  aspect-ratio: 3 / 2;
  object-fit: cover;
  border-radius: var(--radius-card);
}

.check-list {
  list-style: none;
  padding: 0;
  margin: 24px 0;
}

.check-list li {
  position: relative;
  padding: 0 0 14px 32px;
}

.check-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 8px;
  width: 14px;
  height: 14px;
  border-radius: 50%;
  background: var(--accent);
  box-shadow: 0 0 0 4px rgba(76, 175, 80, 0.18);
}

/* Articles */
.articles-layout {
  display: grid;
  grid-template-columns: 1.15fr 1fr;
  gap: 32px;
  align-items: stretch;
}

.article-stack {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.article-stack .card {
  padding: 24px 28px;
}

.article-stack h3 {
  font-size: 21px;
  margin-bottom: 8px;
}

.meta {
  font-size: 15px;
  color: #5b6b7b;
  margin-bottom: 12px;
}

/* FAQ */
.faq {
  max-width: 820px;
}

.faq details {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-card);
  margin-bottom: 16px;
}

.faq summary {
  padding: 20px 24px;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
  font-size: 18px;
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
}

.faq summary::-webkit-details-marker {
  display: none;
}

.faq summary::after {
  content: "+";
  font-size: 24px;
  line-height: 1;
  color: var(--accent-dark);
}

.faq details[open] summary::after {
  content: "\2212";
}

.faq details p {
  padding: 0 24px 20px;
  margin: 0;
}

/* CTA band */
.cta-band {
  display: flex;
  align-items: stretch;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-card);
  overflow: hidden;
}

.cta-band > * {
  flex: 1 1 0;
  min-width: 0;
}

.cta-band img {
  width: 100%;
  height: 100%;
  min-height: 320px;
  object-fit: cover;
}

.cta-content {
  padding: 48px;
}

/* Forms */
.form-row {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 16px;
}

.form-row label {
  font-size: 16px;
  font-weight: 600;
}

.form-row input[type="email"],
.form-row input[type="text"],
.form-row input[type="tel"],
.form-row select,
.form-row textarea {
  width: 100%;
  padding: 12px 14px;
  font-family: inherit;
  font-size: 17px;
  color: var(--text);
  background: #FFFFFF;
  border: 1px solid #b9c3cc;
  border-radius: var(--radius-btn);
}

.checkbox-row {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 20px;
  font-size: 15px;
  line-height: 1.5;
}

.checkbox-row input {
  margin-top: 4px;
  width: 18px;
  height: 18px;
  accent-color: var(--accent);
  flex: 0 0 auto;
}

.form-message {
  display: none;
  margin-top: 16px;
  padding: 14px 18px;
  font-size: 16px;
  border-radius: var(--radius-btn);
}

.form-message.is-visible {
  display: block;
}

.form-message.is-success {
  background: #e8f5e9;
  border: 1px solid var(--accent);
}

.form-message.is-error {
  background: #fff8e1;
  border: 1px solid var(--highlight);
}

/* Footer */
.site-footer {
  background: var(--text);
  color: #dfe6ec;
  padding: 80px 0 32px;
  font-size: 16px;
}

.site-footer a {
  color: #dfe6ec;
  text-decoration: none;
}

.site-footer a:hover {
  color: var(--highlight);
  text-decoration: underline;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 40px;
}

.footer-grid h2 {
  font-size: 18px;
  color: #FFFFFF;
  margin-bottom: 16px;
}

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

.footer-grid li {
  margin-bottom: 8px;
}

.footer-brand {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  font-size: 26px;
  color: #FFFFFF;
  margin-bottom: 12px;
}

.footer-address {
  font-style: normal;
}

.footer-bottom {
  margin-top: 56px;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.18);
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 12px;
  font-size: 15px;
}

.footer-note {
  max-width: 900px;
  margin-top: 32px;
  font-size: 15px;
  color: #b9c6d2;
}

/* Cookie banner */
.cookie-banner {
  position: fixed;
  left: 16px;
  right: 16px;
  bottom: 16px;
  z-index: 300;
  max-width: 760px;
  margin: 0 auto;
  padding: 20px 24px;
  background: #FFFFFF;
  border: 1px solid var(--line);
  border-radius: var(--radius-card);
  box-shadow: 0 12px 32px rgba(44, 62, 80, 0.2);
  font-size: 16px;
}

.cookie-banner[hidden] {
  display: none;
}

.cookie-banner p {
  margin-bottom: 14px;
}

.cookie-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.cookie-actions .btn {
  padding: 10px 20px;
  font-size: 15px;
}

/* Responsive */
@media (max-width: 1024px) {
  h1 { font-size: 40px; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
  .hero-grid { gap: 40px; }
  .split { gap: 40px; }
}

@media (max-width: 900px) {
  .nav-toggle {
    display: inline-flex;
  }

  .main-nav {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: #FFFFFF;
    border-top: 1px solid var(--line);
    box-shadow: 0 10px 20px rgba(44, 62, 80, 0.08);
    display: none;
  }

  .main-nav.is-open {
    display: block;
  }

  .main-nav ul {
    flex-direction: column;
    align-items: stretch;
    padding: 12px 24px 20px;
  }

  .main-nav a {
    padding: 12px;
  }

  .hero-grid,
  .split,
  .cta-band {
    flex-direction: column;
    align-items: stretch;
  }

  .hero-copy {
    flex: 1 1 auto;
    max-width: 100%;
    padding-right: 0;
  }

  .hero-media img {
    aspect-ratio: 16 / 10;
  }

  .grid-3,
  .grid-2 {
    grid-template-columns: 1fr;
  }

  .articles-layout {
    grid-template-columns: 1fr;
  }

  .cta-band img {
    min-height: 240px;
    height: 240px;
  }
}

@media (max-width: 600px) {
  body { font-size: 17px; }
  h1 { font-size: 32px; }
  h2 { font-size: 26px; }
  h3 { font-size: 21px; }
  .section { padding: 64px 0; }
  .hero { padding: 40px 0 64px; }
  .container { padding: 0 20px; }
  .card { padding: 24px; }
  .card-body { padding: 24px; }
  .cta-content { padding: 32px 24px; }
  .grid-4,
  .footer-grid { grid-template-columns: 1fr; }
  .btn { width: 100%; text-align: center; }
  .cookie-actions .btn { width: auto; }
}

/* Inner pages */
.form-row textarea {
  min-height: 160px;
  resize: vertical;
}

.breadcrumb {
  margin-bottom: 20px;
  font-size: 15px;
}

.breadcrumb ol {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 0;
  padding: 0;
  list-style: none;
}

.breadcrumb li + li::before {
  content: "/";
  margin-right: 8px;
  color: #8795a3;
}

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

.prose {
  max-width: 760px;
}

.notice {
  margin: 32px 0;
  padding: 20px 24px;
  background: #fffaf0;
  border: 1px solid var(--highlight);
  border-radius: var(--radius-card);
  font-size: 16px;
}

.notice p:last-child {
  margin-bottom: 0;
}

.table-wrap {
  overflow-x: auto;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-card);
}

.data-table {
  width: 100%;
  min-width: 640px;
  border-collapse: collapse;
  font-size: 16px;
}

.data-table th,
.data-table td {
  padding: 14px 18px;
  text-align: left;
  vertical-align: top;
  border-bottom: 1px solid var(--line);
}

.data-table th {
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
  background: var(--bg-alt);
}

.data-table tr:last-child td {
  border-bottom: 0;
}

.anchor-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin: 0 0 48px;
  padding: 0;
  list-style: none;
}

.anchor-nav a {
  display: block;
  padding: 6px 14px;
  font-size: 15px;
  font-weight: 600;
  color: var(--text);
  text-decoration: none;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: 999px;
}

.anchor-nav a:hover {
  border-color: var(--accent);
  color: var(--accent-dark);
}

.steps {
  margin: 24px 0;
  padding: 0;
  list-style: none;
  counter-reset: step;
}

.steps li {
  position: relative;
  padding: 0 0 22px 58px;
  counter-increment: step;
}

.steps li::before {
  content: counter(step);
  position: absolute;
  left: 0;
  top: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 700;
  background: var(--highlight);
  border-radius: 50%;
}

.steps strong {
  display: block;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
}

.legal {
  max-width: 820px;
}

.legal h2 {
  margin-top: 48px;
  font-size: 26px;
}

.legal h3 {
  margin-top: 28px;
  font-size: 20px;
}

.legal-meta {
  margin-bottom: 32px;
  font-size: 16px;
  color: #5b6b7b;
}

.glossary dt {
  margin-top: 28px;
  font-family: 'Montserrat', Arial, sans-serif;
  font-size: 20px;
  font-weight: 600;
}

.glossary dd {
  margin: 6px 0 0;
  max-width: 760px;
}

.contact-layout {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 48px;
  align-items: start;
}

.contact-details {
  padding: 32px;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-card);
}

.contact-details dt {
  margin-top: 20px;
  font-family: 'Montserrat', Arial, sans-serif;
  font-weight: 600;
}

.contact-details dt:first-child {
  margin-top: 0;
}

.contact-details dd {
  margin: 4px 0 0;
}

.quote {
  margin: 0 0 16px;
  padding: 0 0 0 20px;
  border-left: 3px solid var(--highlight);
  font-style: italic;
}

@media (max-width: 900px) {
  .contact-layout {
    grid-template-columns: 1fr;
  }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; }
}