:root {
  color-scheme: light;
  --bg: #f5f7fb;
  --surface: #ffffff;
  --surface-alt: #eef3fb;
  --border: #d7dfec;
  --text: #1c2430;
  --muted: #526176;
  --accent: #224f9c;
  --accent-soft: #dbe8ff;
  --success: #1e6b46;
}

* { box-sizing: border-box; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.55;
}

a { color: var(--accent); }
.wrapper {
  width: min(1120px, calc(100vw - 2rem));
  margin: 0 auto;
}
.section {
  padding: 2.25rem 0;
}
.hero {
  padding: 3.5rem 0 2rem;
}
.hero-panel,
.panel,
.card,
.summary-grid article,
.faq-item,
.status-banner {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 18px;
  box-shadow: 0 10px 30px rgba(19, 31, 54, 0.05);
}
.hero-panel,
.panel,
.status-banner {
  padding: 1.5rem;
}
.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.65fr) minmax(280px, 0.95fr);
  gap: 1.25rem;
  align-items: start;
}
.kicker {
  display: inline-block;
  background: var(--accent-soft);
  color: var(--accent);
  padding: 0.35rem 0.65rem;
  border-radius: 999px;
  font-size: 0.86rem;
  font-weight: 600;
}
.hero h1 {
  margin: 0.8rem 0 0.8rem;
  font-size: clamp(2rem, 4vw, 3.2rem);
  line-height: 1.1;
}
.hero p,
.panel p,
.card p,
li { color: var(--muted); }
.status-banner {
  margin-top: 1rem;
  border-left: 6px solid #c98a00;
}
.trust-panel {
  margin-top: 0;
}
.button-row,
.anchor-row,
.chooser-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  margin-top: 1rem;
}
.button,
.anchor-pill {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 0.8rem 1rem;
  border-radius: 999px;
  text-decoration: none;
  font-weight: 600;
}
.button.primary {
  background: linear-gradient(135deg, #224f9c, #163a79);
  color: white;
  box-shadow: 0 12px 26px rgba(34, 79, 156, 0.18);
}
.button.secondary,
.anchor-pill {
  background: var(--surface-alt);
  border: 1px solid var(--border);
  color: var(--text);
}
.button:hover,
.anchor-pill:hover {
  transform: translateY(-1px);
}
.trust-strip {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
  margin-top: 1rem;
}
.trust-chip {
  display: inline-flex;
  align-items: center;
  min-height: 38px;
  padding: 0.55rem 0.8rem;
  border-radius: 999px;
  background: rgba(34, 79, 156, 0.08);
  border: 1px solid rgba(34, 79, 156, 0.16);
  color: var(--text);
  font-size: 0.92rem;
  font-weight: 600;
}
.hero-actions {
  margin-top: 1.25rem;
}
.grid-3 {
  display: grid;
  gap: 1rem;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
}
.card-stack {
  display: grid;
  gap: 1rem;
}
.card {
  padding: 1.4rem;
}
.featured-card {
  border: 2px solid rgba(34, 79, 156, 0.22);
  box-shadow: 0 18px 40px rgba(34, 79, 156, 0.08);
}
.card header {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  justify-content: space-between;
  align-items: baseline;
}
.card h2,
.card h3 {
  margin: 0.45rem 0;
}
.badge {
  display: inline-block;
  padding: 0.3rem 0.55rem;
  border-radius: 999px;
  background: var(--accent-soft);
  color: var(--accent);
  font-size: 0.8rem;
  font-weight: 700;
}
.meta {
  font-size: 0.92rem;
  color: var(--muted);
}
.disclosure-inline {
  color: var(--success);
  font-size: 0.92rem;
  font-weight: 600;
}
.checklist {
  margin: 0.85rem 0 0;
  padding-left: 1.1rem;
}
.compact-list {
  margin-top: 0.65rem;
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1rem;
  align-items: start;
}
.summary-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1rem;
}
.summary-grid article {
  padding: 1.2rem;
}
.cta-panel {
  margin-top: 1.1rem;
  padding: 1.1rem;
  border-radius: 16px;
  background: linear-gradient(180deg, rgba(34, 79, 156, 0.07), rgba(34, 79, 156, 0.02));
  border: 1px solid rgba(34, 79, 156, 0.16);
}
.cta-panel strong {
  display: block;
  margin-bottom: 0.3rem;
}
.cta-panel p {
  margin: 0;
}
.cta-panel-actions {
  margin-top: 0.9rem;
}
.footer-panel {
  border-top: 4px solid rgba(34, 79, 156, 0.18);
}
.footer-links {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin-top: 1rem;
}
footer {
  padding-bottom: 3rem;
}
@media (max-width: 760px) {
  .hero-grid,
  .trust-grid {
    grid-template-columns: 1fr;
  }
}
@media (max-width: 640px) {
  .wrapper {
    width: min(1120px, calc(100vw - 1rem));
  }
  .hero { padding-top: 1.75rem; }
}