:root {
  --navy: #004C83;
  --blue: #35719D;
  --orange: #F37121;
  --gold: #FFC63E;
  --light: #F6F9FC;
  --text: #4A5568;
  --muted: #667085;
  --border: #E5EAF0;
  --radius: 20px;
  --shadow: 0 15px 45px rgba(0, 76, 131, .10);
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; scroll-padding-top: 105px; }

body {
  font-family: 'Inter', sans-serif;
  background: var(--light);
  color: var(--text);
  line-height: 1.7;
  overflow-x: hidden;
}

img { display: block; max-width: 100%; }
a { text-decoration: none; transition: .25s; color: inherit; }

.container { width: min(1200px, 92%); margin: auto; }

header {
  position: sticky;
  top: 0;
  z-index: 999;
  background: #fff;
  box-shadow: 0 3px 18px rgba(0,0,0,.08);
}

.navbar {
  min-height: 90px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.logo img { height: 72px; width: auto; }

nav ul {
  display: flex;
  gap: 32px;
  list-style: none;
  align-items: center;
}

nav a {
  font-weight: 600;
  color: var(--navy);
  font-size: 16px;
  position: relative;
}

nav a:hover { color: var(--orange); }

nav a::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -8px;
  width: 0;
  height: 3px;
  background: var(--orange);
  transition: .25s;
}

nav a:hover::after { width: 100%; }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 16px 30px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 16px;
  border: 0;
  cursor: pointer;
}

.btn-primary {
  background: var(--orange);
  color: #fff;
  box-shadow: 0 12px 30px rgba(243, 113, 33, .30);
}

.btn-primary:hover {
  transform: translateY(-2px);
  background: #db6419;
}

.btn-secondary {
  background: #fff;
  color: var(--navy);
  border: 2px solid rgba(0, 76, 131, .12);
}

.btn-secondary:hover { background: #EEF6FC; }

.resource-hero {
  background: linear-gradient(135deg, var(--navy), var(--blue));
  color: #fff;
  padding: 78px 0 82px;
  text-align: center;
}

.resource-hero .hero-logo {
  width: 112px;
  height: 112px;
  object-fit: contain;
  margin: 0 auto 24px;
  filter: brightness(0) invert(1);
  opacity: .98;
}

.resource-hero h1 {
  font-size: clamp(42px, 5vw, 64px);
  font-weight: 800;
  line-height: 1.08;
  letter-spacing: -1.5px;
  margin-bottom: 16px;
}

.resource-hero .subtitle {
  font-size: clamp(21px, 2.2vw, 27px);
  font-weight: 600;
  margin-bottom: 20px;
}

.resource-hero .intro {
  max-width: 760px;
  margin: 0 auto;
  font-size: 18px;
  opacity: .96;
}

.content-section { padding: 78px 0; }

.content-section.alt { background: #fff; }

.section-heading {
  max-width: 820px;
  margin: 0 auto 38px;
  text-align: center;
}

.section-heading h2 {
  color: var(--navy);
  font-size: clamp(32px, 4vw, 46px);
  line-height: 1.15;
  font-weight: 800;
  margin-bottom: 14px;
}

.section-heading p {
  font-size: 19px;
  color: var(--muted);
}

.info-card {
  background: #fff;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 38px;
  margin-bottom: 28px;
}

.alt .info-card { border: 1px solid var(--border); box-shadow: none; }

.info-card h3 {
  color: var(--navy);
  font-size: 28px;
  line-height: 1.25;
  margin-bottom: 16px;
}

.info-card p { font-size: 17px; margin-bottom: 15px; }
.info-card p:last-child { margin-bottom: 0; }

.simple-list {
  list-style: none;
  display: grid;
  gap: 13px;
  margin: 20px 0;
}

.simple-list li {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  font-size: 17px;
}

.simple-list i {
  color: var(--orange);
  margin-top: 6px;
}

.callout {
  border-left: 5px solid var(--orange);
  background: #FFF8F3;
  border-radius: 12px;
  padding: 20px 22px;
  margin-top: 22px;
}

.callout strong { color: var(--navy); }

.two-column {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
}

.comparison-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

.comparison-card {
  border-radius: 20px;
  padding: 32px;
  background: #fff;
  border: 1px solid var(--border);
}

.comparison-card h3 {
  color: var(--navy);
  font-size: 27px;
  margin-bottom: 15px;
}

.comparison-card .tag {
  display: inline-block;
  background: #EEF6FC;
  color: var(--navy);
  border-radius: 999px;
  padding: 5px 12px;
  font-size: 13px;
  font-weight: 700;
  margin-bottom: 14px;
}

.faq-list {
  max-width: 900px;
  margin: 0 auto;
  display: grid;
  gap: 14px;
}

details {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 0 22px;
}

summary {
  cursor: pointer;
  list-style: none;
  padding: 20px 34px 20px 0;
  color: var(--navy);
  font-size: 18px;
  font-weight: 700;
  position: relative;
}

summary::-webkit-details-marker { display: none; }

summary::after {
  content: "+";
  position: absolute;
  right: 2px;
  top: 16px;
  font-size: 27px;
  font-weight: 400;
  color: var(--orange);
}

details[open] summary::after { content: "−"; }

.faq-answer {
  padding: 0 0 20px;
  font-size: 16px;
  color: var(--muted);
}

.help-section {
  background: linear-gradient(135deg, var(--navy), var(--blue));
  color: #fff;
}

.help-section .section-heading h2 { color: #fff; }
.help-section .section-heading p { color: rgba(255,255,255,.92); }

.help-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
}

.help-card {
  background: rgba(255,255,255,.10);
  border: 1px solid rgba(255,255,255,.18);
  border-radius: 18px;
  padding: 28px;
}

.help-card i {
  color: var(--gold);
  font-size: 25px;
  margin-bottom: 13px;
}

.help-card h3 {
  font-size: 22px;
  margin-bottom: 8px;
  color: #fff;
}

.help-card p { color: rgba(255,255,255,.91); font-size: 16px; }

.help-closing {
  max-width: 800px;
  margin: 35px auto 0;
  text-align: center;
  font-size: 18px;
}

.cta {
  background: #fff;
  text-align: center;
  padding: 82px 0;
}

.cta h2 {
  color: var(--navy);
  font-size: clamp(34px, 4vw, 48px);
  margin-bottom: 15px;
}

.cta p {
  max-width: 700px;
  margin: 0 auto 28px;
  font-size: 19px;
  color: var(--muted);
}

.disclaimer {
  background: var(--light);
  padding: 30px 0 40px;
}

.disclaimer p {
  max-width: 1000px;
  margin: auto;
  text-align: center;
  font-size: 13px;
  line-height: 1.6;
  color: #737D89;
}

footer {
  background: #fff;
  border-top: 1px solid var(--border);
  padding: 28px 0;
  text-align: center;
  color: #737D89;
  font-size: 14px;
}

.footer-links {
  display: flex;
  justify-content: center;
  gap: 22px;
  flex-wrap: wrap;
  margin-bottom: 10px;
}

.footer-links a { color: var(--navy); font-weight: 600; }
.footer-links a:hover { color: var(--orange); }

@media (max-width: 900px) {
  nav ul { gap: 18px; }
  .navbar > .btn { display: none; }
  .two-column, .comparison-grid, .help-grid { grid-template-columns: 1fr; }
}

@media (max-width: 680px) {
  .navbar { min-height: 74px; }
  .logo img { height: 58px; }
  nav ul { gap: 12px; }
  nav a { font-size: 13px; }
  nav li:nth-child(n+4) { display: none; }

  .resource-hero { padding: 58px 0 62px; }
  .resource-hero .hero-logo { width: 88px; height: 88px; }
  .content-section { padding: 58px 0; }
  .info-card, .comparison-card { padding: 26px; }
  .section-heading { margin-bottom: 28px; }
  .section-heading p { font-size: 17px; }
}