:root {
  --bg: #ffffff;
  --ink: #1a1d21;
  --muted: #5a6470;
  --brand: #d9531e;
  --brand-dark: #b43e10;
  --accent: #16324f;
  --line: #e7eaee;
  --soft: #f6f8fa;
  --max: 1080px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
  font-size: 17px;
}
a { color: var(--brand-dark); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; }

.wrap { max-width: var(--max); margin: 0 auto; padding: 0 20px; }

/* Header */
header.site {
  border-bottom: 1px solid var(--line);
  position: sticky; top: 0; background: rgba(255,255,255,.95);
  backdrop-filter: blur(6px); z-index: 50;
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 64px; }
.brand { font-weight: 800; font-size: 20px; color: var(--accent); letter-spacing: -.3px; }
.brand span { color: var(--brand); }
.nav nav a { color: var(--ink); margin-left: 22px; font-weight: 600; font-size: 15px; }
.nav nav a:hover { color: var(--brand); text-decoration: none; }

/* Hero */
.hero { background: linear-gradient(160deg,#16324f,#214a73); color: #fff; padding: 72px 0; }
.hero h1 { font-size: 42px; line-height: 1.15; margin: 0 0 16px; letter-spacing: -1px; }
.hero p { font-size: 19px; color: #d7e2ee; max-width: 680px; margin: 0 0 28px; }
.btn {
  display: inline-block; background: var(--brand); color: #fff; padding: 13px 26px;
  border-radius: 8px; font-weight: 700; font-size: 16px;
}
.btn:hover { background: var(--brand-dark); text-decoration: none; }

/* Sections */
section { padding: 56px 0; }
h2 { font-size: 30px; letter-spacing: -.5px; margin: 0 0 8px; }
.lead { color: var(--muted); margin: 0 0 32px; font-size: 18px; }

.grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.card {
  border: 1px solid var(--line); border-radius: 12px; overflow: hidden;
  background: #fff; transition: box-shadow .2s, transform .2s;
}
.card:hover { box-shadow: 0 10px 30px rgba(20,50,79,.10); transform: translateY(-3px); }
.card .ph { height: 150px; background: linear-gradient(135deg,#f0a060,#d9531e); display:flex;align-items:center;justify-content:center;color:#fff;font-weight:700;font-size:18px; }
.card .body { padding: 18px 20px 22px; }
.card h3 { margin: 0 0 8px; font-size: 19px; }
.card p { margin: 0 0 14px; color: var(--muted); font-size: 15px; }
.tag { display:inline-block; background: var(--soft); color: var(--accent); font-size: 12px; font-weight:700; padding: 3px 10px; border-radius: 999px; text-transform: uppercase; letter-spacing:.4px; }

/* Article */
.article { max-width: 760px; margin: 0 auto; padding: 48px 0; }
.article h1 { font-size: 36px; line-height: 1.2; letter-spacing: -.8px; margin: 0 0 12px; }
.meta { color: var(--muted); font-size: 14px; margin-bottom: 28px; }
.article h2 { font-size: 25px; margin: 36px 0 10px; }
.article h3 { font-size: 20px; margin: 26px 0 8px; }
.article p, .article li { font-size: 17px; }
.article ul { padding-left: 22px; }
.callout { background: var(--soft); border-left: 4px solid var(--brand); padding: 16px 20px; border-radius: 0 8px 8px 0; margin: 24px 0; }
table { width: 100%; border-collapse: collapse; margin: 24px 0; font-size: 15px; }
th, td { text-align: left; padding: 11px 14px; border-bottom: 1px solid var(--line); }
th { background: var(--soft); font-size: 13px; text-transform: uppercase; letter-spacing: .4px; color: var(--accent); }

.disclosure { background: #fff8f3; border: 1px solid #f3d6c2; border-radius: 8px; padding: 14px 18px; font-size: 14px; color: #7a5238; margin: 0 0 28px; }

/* Footer */
footer.site { background: var(--accent); color: #cdd9e5; padding: 48px 0 28px; margin-top: 40px; font-size: 15px; }
footer.site a { color: #fff; }
.fgrid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 32px; margin-bottom: 28px; }
footer h4 { color: #fff; font-size: 15px; margin: 0 0 12px; text-transform: uppercase; letter-spacing: .5px; }
footer ul { list-style: none; padding: 0; margin: 0; }
footer li { margin-bottom: 8px; }
.copyright { border-top: 1px solid rgba(255,255,255,.15); padding-top: 20px; font-size: 13px; color: #9fb2c4; }

/* Forms */
.field { margin-bottom: 18px; }
label { display: block; font-weight: 600; margin-bottom: 6px; font-size: 15px; }
input, textarea, select {
  width: 100%; padding: 11px 13px; border: 1px solid var(--line); border-radius: 8px;
  font-size: 16px; font-family: inherit;
}
textarea { min-height: 130px; resize: vertical; }

@media (max-width: 820px) {
  .grid, .fgrid { grid-template-columns: 1fr; }
  .hero h1 { font-size: 32px; }
  .nav nav a { margin-left: 14px; font-size: 14px; }
}