:root {
  --navy: #1a2744;
  --navy-light: #243352;
  --navy-dark: #111c31;
  --amber: #d4880f;
  --amber-light: #e9a633;
  --amber-dim: rgba(212,136,15,0.08);
  --green: #16a34a;
  --green-dim: rgba(22,163,74,0.08);
  --red: #dc2626;
  --red-dim: rgba(220,38,38,0.06);
  --blue: #2563eb;
  --text: #1a1a1a;
  --text-secondary: #4b5563;
  --text-muted: #6b7280;
  --bg: #ffffff;
  --bg-subtle: #f8f9fb;
  --bg-muted: #f1f3f7;
  --border: #e5e7eb;
  --border-light: #f0f1f3;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.1);
  --shadow-md: 0 4px 12px rgba(0,0,0,0.08);
  --shadow-lg: 0 8px 24px rgba(0,0,0,0.1);
  --radius: 8px;
  --radius-sm: 6px;
}

*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  background: var(--bg);
  color: var(--text);
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

.container {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ── HEADER ── */
.site-header {
  position: sticky;
  top: 0;
  z-index: 200;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
}
.site-header .inner {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 24px;
  height: 60px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.logo {
  font-size: 15px;
  font-weight: 700;
  color: var(--navy);
  text-decoration: none;
  letter-spacing: -0.01em;
}
.logo span { color: var(--amber); }
.header-nav {
  display: flex;
  align-items: center;
  gap: 28px;
}
.header-nav a {
  font-size: 14px;
  font-weight: 500;
  color: var(--text-muted);
  text-decoration: none;
  transition: color 0.15s;
}
.header-nav a:hover { color: var(--navy); }
.header-badge {
  font-size: 12px;
  font-weight: 600;
  background: var(--green);
  color: #fff;
  padding: 3px 10px;
  border-radius: 20px;
  animation: pulse 2.5s ease-in-out infinite;
}
@keyframes pulse { 0%,100%{opacity:1} 50%{opacity:0.7} }

/* ── HAMBURGER ── */
.hamburger {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  width: 32px;
  height: 32px;
  position: relative;
  z-index: 210;
}
.hamburger span {
  display: block;
  width: 20px;
  height: 2px;
  background: var(--navy);
  position: absolute;
  left: 6px;
  transition: all 0.3s ease;
  border-radius: 1px;
}
.hamburger span:nth-child(1) { top: 9px; }
.hamburger span:nth-child(2) { top: 15px; }
.hamburger span:nth-child(3) { top: 21px; }
.hamburger.open span:nth-child(1) { top: 15px; transform: rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { top: 15px; transform: rotate(-45deg); }

.mobile-nav {
  display: none;
  position: fixed;
  top: 60px;
  left: 0;
  right: 0;
  background: rgba(255,255,255,0.98);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--border);
  z-index: 199;
  padding: 12px 0;
  transform: translateY(-100%);
  opacity: 0;
  transition: transform 0.3s ease, opacity 0.3s ease;
}
.mobile-nav.open { transform: translateY(0); opacity: 1; }
.mobile-nav a {
  display: block;
  padding: 12px 24px;
  font-size: 16px;
  font-weight: 500;
  color: var(--text-secondary);
  text-decoration: none;
}
.mobile-nav a:hover { color: var(--navy); background: var(--bg-subtle); }

/* ── SHARED COMPONENTS ── */
.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--amber);
  color: #fff;
  border: none;
  padding: 14px 28px;
  font-size: 16px;
  font-weight: 700;
  border-radius: var(--radius-sm);
  cursor: pointer;
  text-decoration: none;
  transition: background 0.2s, box-shadow 0.2s;
  box-shadow: 0 2px 8px rgba(212,136,15,0.25);
}
.btn-primary:hover { background: var(--amber-light); box-shadow: 0 4px 16px rgba(212,136,15,0.3); }
.btn-secondary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--bg);
  color: var(--navy);
  border: 2px solid var(--navy);
  padding: 12px 28px;
  font-size: 16px;
  font-weight: 700;
  border-radius: var(--radius-sm);
  cursor: pointer;
  text-decoration: none;
  transition: background 0.2s;
}
.btn-secondary:hover { background: var(--bg-subtle); }

.section-title {
  font-size: 32px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 8px;
  letter-spacing: -0.01em;
  padding-bottom: 12px;
  border-bottom: 3px solid var(--amber);
  display: inline-block;
}
.section-sub {
  font-size: 16px;
  color: var(--text-muted);
  margin-bottom: 36px;
}

/* ── SUBPAGE HERO ── */
.sub-hero {
  padding: 56px 0 40px;
  background: linear-gradient(180deg, #eef2f9 0%, var(--bg) 100%);
  border-bottom: 3px solid var(--amber);
}
.sub-hero h1 {
  font-size: clamp(28px, 4.5vw, 42px);
  font-weight: 800;
  color: var(--navy);
  line-height: 1.15;
  letter-spacing: -0.02em;
  margin-bottom: 12px;
}
.sub-hero h1 em { font-style: normal; color: var(--amber); }
.sub-hero p {
  font-size: 18px;
  color: var(--text-secondary);
  line-height: 1.6;
  max-width: 680px;
  margin-bottom: 24px;
}
.breadcrumb {
  font-size: 13px;
  color: var(--text-muted);
  margin-bottom: 20px;
}
.breadcrumb a {
  color: var(--amber);
  text-decoration: none;
}
.breadcrumb a:hover { text-decoration: underline; }

/* ── CONTENT BLOCKS ── */
.content-section { padding: 56px 0; }
.content-section.alt { background: var(--bg-subtle); }

.content-card {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px;
  box-shadow: var(--shadow-sm);
  margin-bottom: 24px;
}
.content-card h2 {
  font-size: 22px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 16px;
}
.content-card h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
}
.content-card p {
  font-size: 15px;
  color: var(--text-secondary);
  line-height: 1.65;
  margin-bottom: 12px;
}
.content-card p:last-child { margin-bottom: 0; }
.content-card ul {
  list-style: none;
  margin-bottom: 12px;
}
.content-card ul li {
  font-size: 15px;
  color: var(--text-secondary);
  line-height: 1.55;
  padding: 6px 0 6px 24px;
  position: relative;
}
.content-card ul li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 14px;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--amber);
}

.highlight-box {
  background: var(--amber-dim);
  border: 1px solid rgba(212,136,15,0.2);
  border-left: 4px solid var(--amber);
  border-radius: var(--radius-sm);
  padding: 20px 24px;
  margin-bottom: 24px;
}
.highlight-box strong {
  display: block;
  color: var(--amber);
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 4px;
}
.highlight-box p {
  font-size: 15px;
  color: var(--text-secondary);
  line-height: 1.55;
  margin: 0;
}

.info-box {
  background: rgba(37,99,235,0.06);
  border: 1px solid rgba(37,99,235,0.15);
  border-radius: var(--radius-sm);
  padding: 14px 18px;
  font-size: 14px;
  color: var(--text-secondary);
  margin-bottom: 20px;
  line-height: 1.5;
}
.info-box strong { color: var(--blue); }

.warn-box {
  background: var(--red-dim);
  border: 1px solid rgba(220,38,38,0.15);
  border-left: 4px solid var(--red);
  border-radius: var(--radius-sm);
  padding: 20px 24px;
  margin-bottom: 24px;
}
.warn-box strong {
  display: block;
  color: var(--red);
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 4px;
}
.warn-box p {
  font-size: 15px;
  color: var(--text-secondary);
  line-height: 1.55;
  margin: 0;
}

/* ── RATE TABLE ── */
.rate-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--bg);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  margin-bottom: 24px;
}
.rate-table th {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-muted);
  text-align: left;
  padding: 12px 16px;
  background: var(--bg-muted);
  border-bottom: 1px solid var(--border);
}
.rate-table td {
  padding: 12px 16px;
  border-bottom: 1px solid var(--border-light);
  font-size: 14px;
  color: var(--text-secondary);
}
.rate-table tr:last-child td { border-bottom: none; }
.rate-table tr:hover td { background: var(--bg-subtle); }
.rate-table .val { font-weight: 700; color: var(--navy); }

/* ── INLINE CTA ── */
.inline-cta {
  padding: 56px 0;
  background: linear-gradient(135deg, var(--navy) 0%, #1e3a5f 50%, var(--navy-dark) 100%);
  color: #fff;
  text-align: center;
}
.inline-cta h2 {
  font-size: 28px;
  font-weight: 800;
  margin-bottom: 8px;
}
.inline-cta .amber { color: var(--amber-light); }
.inline-cta p {
  font-size: 16px;
  color: rgba(255,255,255,0.65);
  margin-bottom: 24px;
}
.cta-form {
  display: flex;
  max-width: 440px;
  margin: 0 auto 12px;
}
.cta-form input {
  flex: 1;
  background: rgba(255,255,255,0.1);
  border: 2px solid rgba(255,255,255,0.2);
  border-right: none;
  color: #fff;
  padding: 14px 16px;
  font-family: inherit;
  font-size: 15px;
  border-radius: var(--radius-sm) 0 0 var(--radius-sm);
  outline: none;
  transition: border-color 0.15s;
}
.cta-form input:focus { border-color: var(--amber); }
.cta-form input::placeholder { color: rgba(255,255,255,0.4); }
.cta-form button {
  background: var(--amber);
  color: #fff;
  border: none;
  padding: 14px 24px;
  font-family: inherit;
  font-size: 14px;
  font-weight: 700;
  cursor: pointer;
  white-space: nowrap;
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  transition: background 0.2s;
}
.cta-form button:hover { background: var(--amber-light); }
.cta-note { font-size: 13px; color: rgba(255,255,255,0.4); }

/* ── INTERNAL LINKS ── */
.related-pages {
  padding: 48px 0;
  background: var(--bg-muted);
}
.related-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
.related-card {
  background: var(--bg);
  border: 1px solid var(--border);
  border-top: 3px solid var(--amber);
  border-radius: var(--radius);
  padding: 24px;
  text-decoration: none;
  transition: box-shadow 0.2s, transform 0.2s;
}
.related-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.related-card h3 {
  font-size: 16px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 6px;
}
.related-card p {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.45;
}

/* ── DISCLAIMER + FOOTER ── */
.disclaimer {
  background: var(--bg-muted);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 16px 20px;
  font-size: 12px;
  color: var(--text-muted);
  line-height: 1.6;
  max-width: 1100px;
  margin: 0 auto;
}
.disclaimer strong {
  display: block;
  color: var(--text-secondary);
  margin-bottom: 4px;
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.1em;
}
.site-footer {
  border-top: 1px solid var(--border);
  padding: 24px 0;
  background: var(--bg);
}
.site-footer .inner {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 13px;
  color: var(--text-muted);
}
.site-footer a { color: var(--text-muted); text-decoration: none; transition: color 0.15s; }
.site-footer a:hover { color: var(--amber); }

/* ── RESPONSIVE ── */
@media (max-width: 900px) {
  .related-grid { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .container { padding: 0 16px; }
  .site-header .inner { padding: 0 16px; }
  .sub-hero { padding: 32px 0 24px; }
  .sub-hero h1 { font-size: 26px; }
  .content-section { padding: 40px 0; }
  .content-card { padding: 24px; }
  .cta-form { flex-direction: column; }
  .cta-form input { border-right: 2px solid rgba(255,255,255,0.2); border-radius: var(--radius-sm); }
  .cta-form button { border-radius: var(--radius-sm); }
  .site-footer .inner { flex-direction: column; gap: 10px; text-align: center; }
  .header-nav { display: none; }
  .hamburger { display: flex; align-items: center; justify-content: center; }
  .mobile-nav { display: block; }
  .section-title { font-size: 26px; }
  .inline-cta h2 { font-size: 24px; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .header-badge { animation: none; }
}