:root{
    --navy:#123d68;
    --blue:#1f6f9f;
    --gold:#d9a441;
    --light:#f7f9fc;
    --white:#ffffff;
    --text:#1f2937;
    --muted:#5f6b7a;
    --border:#e5e7eb;
    --shadow:0 16px 40px rgba(18,61,104,.12);
    --radius:18px;
}

*{
    box-sizing:border-box;
}

body{
    margin:0;
    font-family:Arial,Helvetica,sans-serif;
    background:var(--light);
    color:var(--text);
    line-height:1.75;
}

a{
    color:var(--blue);
    text-decoration:none;
    font-weight:700;
}

a:hover{
    text-decoration:underline;
}

/* Shared Header */

.top-bar{
    background:var(--navy);
    color:#fff;
    text-align:center;
    padding:10px 20px;
    font-size:14px;
    letter-spacing:.03em;
}

.header{
    background:#fff;
    border-bottom:1px solid var(--border);
}

.header-inner{
    max-width:1200px;
    margin:0 auto;
    padding:30px 20px;
    text-align:center;
}

.logo{
    width:100%;
    max-width:978px;
    height:auto;
}

.tagline{
    margin-top:15px;
    color:#004080;
    font-weight:bold;
}

.subtag{
    color:#9e9efe;
    margin-top:8px;
}

/* Shared Dropdown Menu */

.site-menu{
    background:#fff;
    border-top:1px solid var(--border);
    border-bottom:1px solid var(--border);
    position:relative;
    z-index:1000;
}

.site-menu ul{
    list-style:none;
    margin:0;
    padding:0;
}

.site-menu > ul{
    max-width:1200px;
    margin:0 auto;
    padding:0 20px;
    display:flex;
    justify-content:center;
    flex-wrap:wrap;
    gap:6px;
}

.site-menu li{
    position:relative;
}

.site-menu a{
    display:block;
    color:var(--navy);
    text-decoration:none;
    font-weight:700;
    padding:12px 14px;
    border-radius:999px;
    white-space:nowrap;
}

.site-menu a:hover,
.site-menu li:hover > a{
    background:#eef5fb;
    color:var(--blue);
    text-decoration:none;
}

.site-menu .has-menu > a::after{
    content:" ?";
    font-size:12px;
}

.site-menu .dropdown{
    display:none;
    position:absolute;
    top:100%;
    left:0;
    min-width:280px;
    background:#fff;
    border:1px solid var(--border);
    border-radius:14px;
    box-shadow:var(--shadow);
    padding:10px;
    z-index:1001;
}

.site-menu li:hover > .dropdown{
    display:block;
}

.site-menu .dropdown a{
    border-radius:10px;
    padding:9px 12px;
    font-size:14px;
    font-weight:600;
}

/* Page Layout */

.hero{
    max-width:1100px;
    margin:0 auto;
    padding:80px 20px 45px;
    text-align:center;
}

.hero h1{
    margin:0;
    color:var(--navy);
    font-size:60px;
    line-height:1.1;
}

.hero p{
    max-width:820px;
    margin:22px auto 0;
    color:var(--muted);
    font-size:22px;
}

.container{
    max-width:1150px;
    margin:0 auto;
    padding:0 20px 70px;
}

.section{
    margin-bottom:55px;
}

.section-header{
    text-align:center;
    margin-bottom:30px;
}

.section-header h2{
    margin:0;
    color:var(--navy);
    font-size:38px;
    line-height:1.2;
}

.section-header p{
    max-width:820px;
    margin:14px auto 0;
    color:var(--muted);
    font-size:18px;
}

.content-card,
.content{
    background:#fff;
    border-radius:var(--radius);
    box-shadow:var(--shadow);
    padding:42px;
    margin-bottom:28px;
}

.content-card p,
.content p{
    margin:0 0 20px;
    font-size:18px;
}

.grid{
    display:grid;
    grid-template-columns:repeat(auto-fit,minmax(280px,1fr));
    gap:22px;
}

.card,
.feature-card{
    background:#fff;
    border:1px solid var(--border);
    border-radius:var(--radius);
    box-shadow:0 10px 28px rgba(18,61,104,.08);
    padding:30px;
}

.card h3,
.feature-card h3{
    margin:0 0 14px;
    color:var(--navy);
    font-size:25px;
    line-height:1.25;
}

.card p,
.feature-card p{
    margin:0 0 16px;
    font-size:17px;
    color:#374151;
}

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

.highlight{
    background:#eef5fb;
    border-left:5px solid var(--blue);
    border-radius:14px;
    padding:28px;
    margin:28px 0;
}

.highlight p{
    margin:0;
    color:var(--navy);
    font-weight:800;
    font-size:20px;
}

.quote-card{
    max-width:950px;
    margin:0 auto 50px;
    background:#fff;
    border-left:6px solid var(--blue);
    border-radius:var(--radius);
    box-shadow:var(--shadow);
    padding:34px;
}

.quote-card p,
.quote{
    margin:0;
    color:#374151;
    font-size:22px;
    font-style:italic;
}

.author,
.quote-card .author{
    margin-top:18px;
    color:var(--navy);
    font-weight:800;
    text-align:right;
}

.callout,
.cta{
    background:linear-gradient(135deg,var(--navy),#081b2d);
    color:#fff;
    border-radius:var(--radius);
    box-shadow:var(--shadow);
    padding:46px;
    text-align:center;
}

.callout h2,
.cta h2{
    margin:0;
    font-size:38px;
}

.callout p,
.cta p{
    max-width:820px;
    margin:18px auto 0;
    color:rgba(255,255,255,.86);
    font-size:18px;
}

.button{
    display:inline-block;
    margin-top:26px;
    padding:14px 28px;
    background:#fff;
    color:var(--navy) !important;
    border-radius:999px;
    font-weight:800;
}

.button:hover{
    background:#eef5fb;
    text-decoration:none;
}

/* Special Cards */

.long-term{
    border-top:6px solid var(--blue);
}

.short-term{
    border-top:6px solid var(--gold);
}

.process-card,
.feature-card{
    border-top:5px solid var(--blue);
}

.characteristic,
.case-card{
    background:#eef5fb;
    border-left:5px solid var(--blue);
}

.warning{
    background:#fff8e5;
    border:1px solid #f3dfac;
    border-left:6px solid var(--gold);
    border-radius:var(--radius);
    box-shadow:0 10px 28px rgba(18,61,104,.08);
    padding:36px;
}

.warning h2{
    margin:0 0 16px;
    color:var(--navy);
    font-size:34px;
}

.warning p{
    margin:0;
    font-size:18px;
    color:#4b5563;
}

.image-note{
    background:#eef5fb;
    border-radius:var(--radius);
    padding:24px;
    color:var(--muted);
    font-size:16px;
}

/* Footer */

.footer{
    background:#081b2d;
    color:rgba(255,255,255,.85);
    text-align:center;
    padding:40px 20px;
}

.footer a{
    color:#fff;
}

/* Mobile */

@media(max-width:900px){
    .site-menu > ul{
        display:block;
        padding:12px 20px;
    }

    .site-menu .dropdown{
        position:static;
        display:none;
        box-shadow:none;
        border:0;
        padding-left:18px;
    }

    .site-menu li:hover > .dropdown{
        display:block;
    }
}

@media(max-width:850px){
    .hero{
        padding-top:55px;
    }

    .hero h1{
        font-size:42px;
    }

    .hero p,
    .quote-card p,
    .quote{
        font-size:19px;
    }

    .content-card,
    .content,
    .callout,
    .cta,
    .warning,
    .quote-card{
        padding:28px 22px;
    }

    .section-header h2,
    .callout h2,
    .cta h2,
    .warning h2{
        font-size:30px;
    }
}