:root{
  --primary:#4A5C78; --primary-dark:#3B4D66; --primary-light:#7A92AD;
  --dark:#1B2541; --dark-deep:#131B31; --accent:#C4A265; --accent-dark:#A8874D;
  --bg:#F9F8F5; --white:#FFFFFF; --text:#1C1C1E; --text-muted:#6B7280; --border:#E5E5E0;
  --font:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
  --font-display:'DM Serif Display',Georgia,'Times New Roman',serif;
  --wrap:1120px; --radius:14px; --radius-lg:22px;
  --shadow:0 4px 16px rgba(27,37,65,.08); --shadow-lg:0 24px 56px rgba(27,37,65,.14);
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font);font-size:17px;line-height:1.65;color:var(--text);background:var(--white)}
img{max-width:100%;display:block}
h1,h2,h3,h4{margin:0 0 .55em;line-height:1.16;letter-spacing:-.02em;font-weight:700;color:var(--dark)}
h1{font-family:var(--font-display);font-weight:400;font-size:clamp(2rem,5vw,3.3rem)}
h2{font-family:var(--font-display);font-weight:400;font-size:clamp(1.6rem,3.4vw,2.3rem)}
h3{font-size:1.25rem}
p{margin:0 0 1.1em}
a{color:var(--primary)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
ul{padding-left:1.2em}
li{margin-bottom:.4em}
.site-header{border-bottom:1px solid var(--border);position:sticky;top:0;background:rgba(255,255,255,.96);backdrop-filter:blur(6px);z-index:20}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:68px}
.logo{font-family:var(--font-display);font-size:1.2rem;color:var(--dark);text-decoration:none}
.main-nav{display:flex;align-items:center;gap:22px}
.main-nav a{color:var(--text);text-decoration:none;font-weight:500;font-size:.95rem}
.main-nav a.active{color:var(--primary)}
.nav-cta{background:var(--dark);color:#fff!important;padding:10px 18px;border-radius:999px;font-weight:600!important}
.hero{background:linear-gradient(180deg,var(--dark) 0%,var(--dark-deep) 100%);color:#fff;padding:76px 0 88px;text-align:center}
.hero h1{color:#fff}
.hero .eyebrow{display:inline-block;color:var(--accent);letter-spacing:.09em;text-transform:uppercase;font-size:.8rem;font-weight:700;margin-bottom:18px}
.hero p.lead{color:#C9D2E0;max-width:680px;margin:0 auto 30px;font-size:1.15rem}
.btn{display:inline-block;padding:16px 34px;border-radius:999px;font-weight:700;text-decoration:none;font-size:1.05rem}
.btn-accent{background:var(--accent);color:var(--dark-deep);box-shadow:0 10px 28px rgba(196,162,101,.35)}
.trust-line{margin-top:22px;color:#9CA7BF;font-size:.9rem}
.section{padding:64px 0}
.section-alt{background:var(--bg)}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.card h3{margin-bottom:.4em}
.stat-band{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;text-align:center;margin:36px 0}
.stat{padding:18px}
.stat b{display:block;font-family:var(--font-display);font-size:2.1rem;color:var(--primary)}
.stat span{color:var(--text-muted);font-size:.9rem}
.cta-band{background:var(--dark);color:#fff;border-radius:var(--radius-lg);padding:48px;text-align:center;margin-top:16px}
.cta-band h2{color:#fff}
.cta-band p{color:#C9D2E0}
.faq details{border-bottom:1px solid var(--border);padding:16px 0}
.faq summary{font-weight:600;cursor:pointer;color:var(--dark)}
.two-col{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.badge{display:inline-block;background:rgba(196,162,101,.15);color:var(--accent-dark);padding:6px 14px;border-radius:999px;font-size:.82rem;font-weight:700;margin-bottom:12px}
.site-footer{background:var(--dark-deep);color:#B9C2D4;padding:52px 0 24px;margin-top:40px}
.footer-inner{display:grid;grid-template-columns:1.2fr 1fr;gap:40px}
.footer-brand strong{color:#fff;font-size:1.1rem}
.footer-links{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.footer-links h4{color:#fff;font-size:.85rem;text-transform:uppercase;letter-spacing:.06em;margin-bottom:10px}
.footer-links a{display:block;color:#9CA7BF;text-decoration:none;margin-bottom:8px;font-size:.92rem}
.footer-links a:hover{color:#fff}
.footer-bottom{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;margin-top:36px;padding-top:20px;border-top:1px solid rgba(255,255,255,.08);font-size:.82rem;color:#7C87A0}
.blog-hero{padding:52px 0 20px}
.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.post-card{border:1px solid var(--border);border-radius:var(--radius);padding:22px;background:#fff;text-decoration:none;color:var(--text);display:block;box-shadow:var(--shadow)}
.post-card .cat{color:var(--primary);font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em}
.post-card h3{margin:.35em 0;color:var(--dark);font-size:1.08rem}
.post-card p{color:var(--text-muted);font-size:.9rem;margin:0}
.post-wrap{max-width:760px;margin:0 auto;padding:52px 24px 20px}
.post-wrap .kicker{color:var(--primary);font-weight:700;text-transform:uppercase;font-size:.78rem;letter-spacing:.06em;margin-bottom:10px}
.post-wrap .meta{color:var(--text-muted);font-size:.9rem;margin-bottom:28px}
.post-body h2{margin-top:1.4em;font-size:1.5rem}
.post-body h3{margin-top:1.2em}
.pull-cta{background:var(--bg);border:1px solid var(--border);border-radius:var(--radius);padding:22px 26px;margin:28px 0}
.pull-cta a{font-weight:700}
.related{margin-top:48px;padding-top:28px;border-top:1px solid var(--border)}
.related a{display:block;margin-bottom:10px;font-weight:600}
.breadcrumb{font-size:.85rem;color:var(--text-muted);margin-bottom:8px}
.breadcrumb a{color:var(--text-muted)}
@media(max-width:900px){
  .grid-3,.post-grid{grid-template-columns:1fr 1fr}
  .stat-band{grid-template-columns:1fr 1fr}
  .footer-inner{grid-template-columns:1fr}
  .two-col{grid-template-columns:1fr}
}
@media(max-width:640px){
  .grid-3,.post-grid,.footer-links{grid-template-columns:1fr}
  .section{padding:44px 0}
  .cta-band{padding:32px 22px}
  .main-nav{gap:12px}
  .main-nav a{font-size:.85rem}
}