:root {
  --bg: #f4f7fb;
  --surface: #ffffff;
  --surface-alt: #eaf1f8;
  --text: #102233;
  --muted: #526779;
  --brand: #0b5fa5;
  --brand-dark: #083f70;
  --accent: #e7b13c;
  --border: #cfdbe6;
  --success: #176b4a;
  --warning: #825d00;
  --danger: #9a2f2f;
  --shadow: 0 10px 28px rgba(11, 31, 51, 0.08);
  --radius: 18px;
  --container: 1160px;
}

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

html {
  scroll-behavior: smooth;
  scroll-padding-top: 88px;
}

body {
  margin: 0;
  min-width: 320px;
  overflow-x: hidden;
  background: var(--bg);
  color: var(--text);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;
  font-size: 16px;
  line-height: 1.68;
  text-rendering: optimizeLegibility;
}

a {
  color: var(--brand-dark);
  text-underline-offset: 0.18em;
}

a:hover {
  text-decoration-thickness: 2px;
}

img,
svg {
  max-width: 100%;
}

button,
a,
summary {
  -webkit-tap-highlight-color: transparent;
}

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

.skip-link {
  position: fixed;
  z-index: 1000;
  top: 10px;
  left: 10px;
  transform: translateY(-160%);
  padding: 0.75rem 1rem;
  border-radius: 10px;
  background: var(--surface);
  color: var(--text);
  box-shadow: var(--shadow);
  font-weight: 700;
}

.skip-link:focus {
  transform: translateY(0);
}

.container {
  width: min(calc(100% - 2rem), var(--container));
  margin-inline: auto;
}

.narrow {
  max-width: 820px;
}

.site-header {
  position: sticky;
  z-index: 50;
  top: 0;
  border-bottom: 1px solid rgba(207, 219, 230, 0.9);
  background: rgba(255, 255, 255, 0.96);
}

.header-inner {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  padding-block: 0.8rem;
}

.wordmark {
  min-height: 44px;
  display: inline-flex;
  align-items: center;
  color: var(--text);
  font-size: 1.05rem;
  font-weight: 850;
  text-decoration: none;
}

.site-nav {
  display: flex;
  gap: 0.35rem;
  overflow-x: auto;
  padding-bottom: 0.25rem;
  scrollbar-width: thin;
}

.site-nav a {
  min-height: 44px;
  display: inline-flex;
  flex: 0 0 auto;
  align-items: center;
  padding: 0.55rem 0.75rem;
  border-radius: 10px;
  color: var(--text);
  font-size: 0.94rem;
  font-weight: 650;
  text-decoration: none;
}

.site-nav a:hover {
  background: var(--surface-alt);
}

.hero {
  position: relative;
  overflow: hidden;
  padding-block: clamp(3.5rem, 8vw, 7rem);
  background:
    radial-gradient(circle at 92% 12%, rgba(231, 177, 60, 0.2) 0 110px, transparent 111px),
    linear-gradient(135deg, #0b1f33 0%, #0e385c 72%, #0b5fa5 100%);
  color: #fff;
}

.hero::after {
  content: "";
  position: absolute;
  right: -80px;
  bottom: -90px;
  width: 260px;
  height: 260px;
  border: 28px solid rgba(255, 255, 255, 0.07);
  border-radius: 50%;
}

.hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  gap: 2rem;
}

.eyebrow {
  margin: 0 0 0.75rem;
  color: var(--brand);
  font-size: 0.78rem;
  font-weight: 850;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.hero .eyebrow {
  color: #9fd0f6;
}

h1,
h2,
h3 {
  margin-top: 0;
  line-height: 1.2;
  text-wrap: balance;
}

h1 {
  max-width: 850px;
  margin-bottom: 1.25rem;
  font-size: clamp(2.2rem, 7vw, 4.8rem);
  letter-spacing: -0.035em;
}

h2 {
  margin-bottom: 1rem;
  font-size: clamp(1.75rem, 4vw, 2.8rem);
  letter-spacing: -0.025em;
}

h3 {
  margin-bottom: 0.7rem;
  font-size: clamp(1.12rem, 2.5vw, 1.4rem);
}

p,
ul,
ol {
  margin-top: 0;
}

.hero-lead {
  max-width: 760px;
  color: #e7f2fb;
  font-size: clamp(1.08rem, 2.2vw, 1.28rem);
}

.hero-points {
  display: grid;
  gap: 0.55rem;
  max-width: 760px;
  margin: 1.5rem 0;
  padding-left: 1.2rem;
  color: #d9e9f5;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.8rem;
  margin-top: 1.7rem;
}

.button {
  min-height: 46px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.8rem 1rem;
  border: 2px solid transparent;
  border-radius: 12px;
  font-weight: 800;
  text-align: center;
  text-decoration: none;
}

.button-primary {
  background: var(--accent);
  color: #152331;
}

.button-primary:hover {
  background: #f2c45e;
}

.button-secondary {
  border-color: rgba(255, 255, 255, 0.45);
  color: #fff;
}

.button-secondary:hover {
  background: rgba(255, 255, 255, 0.1);
}

.hero-card {
  align-self: start;
  padding: 1.4rem;
  border: 1px solid rgba(255, 255, 255, 0.24);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, 0.1);
  box-shadow: 0 14px 36px rgba(0, 0, 0, 0.14);
}

.hero-card p {
  margin-bottom: 0.8rem;
}

.badge {
  width: 52px;
  min-height: 44px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  background: var(--accent);
  color: #182635;
  font-weight: 900;
}

.risk-note,
.disclosure-short {
  color: #dcebf6;
  font-size: 0.95rem;
}

.text-link {
  color: #fff;
  font-weight: 750;
}

.section {
  padding-block: clamp(3.5rem, 7vw, 6rem);
}

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

.section-heading {
  max-width: 820px;
  margin-bottom: 2rem;
}

.section-heading > p:last-child {
  color: var(--muted);
  font-size: 1.05rem;
}

.steps,
.cards-three,
.responsible-grid {
  display: grid;
  gap: 1rem;
}

.card {
  padding: 1.35rem;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--surface);
  box-shadow: var(--shadow);
}

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

.step-card {
  position: relative;
  padding-top: 4rem;
}

.step-number {
  position: absolute;
  top: 1.25rem;
  left: 1.25rem;
  width: 2rem;
  height: 2rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: var(--brand);
  color: #fff;
  font-weight: 900;
}

.callout {
  margin-top: 1.5rem;
  padding: 1.25rem 1.35rem;
  border-left: 5px solid var(--brand);
  border-radius: 0 var(--radius) var(--radius) 0;
  background: #eef7ff;
}

.callout.warning {
  border-left-color: var(--warning);
  background: #fff8e7;
}

.callout.danger {
  border-left-color: var(--danger);
  background: #fff0f0;
}

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

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

table {
  width: 100%;
  min-width: 660px;
  border-collapse: collapse;
}

caption {
  padding: 1rem;
  color: var(--muted);
  font-weight: 750;
  text-align: left;
}

th,
td {
  padding: 0.95rem 1rem;
  border-top: 1px solid var(--border);
  text-align: left;
  vertical-align: top;
}

thead th {
  background: #e7f0f8;
}

tbody th {
  color: var(--brand-dark);
}

.note {
  margin-top: 1rem;
  padding: 1rem 1.1rem;
  border: 1px solid var(--border);
  border-radius: 14px;
  background: var(--surface);
  color: var(--muted);
}

.legal-grid,
.split,
.pros-cons {
  display: grid;
  gap: 1.5rem;
  align-items: start;
}

.legal-card {
  border-top: 5px solid var(--accent);
}

.check-list,
.number-list,
.inline-list {
  display: grid;
  gap: 0.6rem;
  padding-left: 1.2rem;
}

.check-list li::marker {
  color: var(--success);
}

.cons-card .check-list li::marker {
  color: var(--danger);
}

.inline-list {
  grid-template-columns: 1fr;
}

.external-link {
  min-height: 44px;
  display: inline-flex;
  align-items: center;
  font-weight: 800;
}

.responsible {
  background: #0b1f33;
  color: #fff;
}

.responsible .eyebrow {
  color: #9fd0f6;
}

.responsible .section-heading > p:last-child {
  color: #d8e7f2;
}

.responsible .card {
  border-color: rgba(255, 255, 255, 0.14);
  background: #12304d;
  box-shadow: none;
}

.risk-banner {
  margin-top: 1.25rem;
  padding: 1.15rem 1.25rem;
  border: 1px solid rgba(231, 177, 60, 0.5);
  border-radius: 14px;
  background: rgba(231, 177, 60, 0.12);
}

details {
  margin-bottom: 0.75rem;
  border: 1px solid var(--border);
  border-radius: 14px;
  background: var(--surface);
}

summary {
  min-height: 54px;
  display: flex;
  align-items: center;
  padding: 0.85rem 1rem;
  cursor: pointer;
  font-weight: 800;
}

details p {
  padding: 0 1rem 1rem;
  color: var(--muted);
}

.site-footer {
  padding-block: 2.5rem;
  background: #071522;
  color: #d6e4ee;
}

.footer-grid {
  display: grid;
  gap: 1.2rem;
}

.footer-title {
  margin-bottom: 0.3rem;
  color: #fff;
  font-weight: 850;
}

.site-footer nav {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem 1rem;
}

.site-footer a {
  min-height: 44px;
  display: inline-flex;
  align-items: center;
  color: #cde8fb;
}

.copyright {
  color: #91a9bb;
  font-size: 0.92rem;
}

@media (min-width: 680px) {
  .header-inner {
    flex-direction: row;
    align-items: center;
    justify-content: space-between;
  }

  .steps,
  .cards-three,
  .responsible-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .inline-list {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (min-width: 900px) {
  .hero-grid {
    grid-template-columns: minmax(0, 1.65fr) minmax(300px, 0.7fr);
    align-items: center;
  }

  .steps {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }

  .cards-three,
  .responsible-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .legal-grid,
  .split,
  .pros-cons {
    grid-template-columns: minmax(0, 1.35fr) minmax(300px, 0.8fr);
  }

  .footer-grid {
    grid-template-columns: 1.2fr 1fr auto;
    align-items: start;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}