:root {
  --ink: #17202a;
  --muted: #5a6675;
  --line: #dbe2ea;
  --soft: #f4f7f9;
  --accent: #0d6b68;
  --accent-dark: #084f4d;
  --gold: #c0832b;
  --white: #fff;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  color: var(--ink);
  font-family: Arial, Helvetica, sans-serif;
  line-height: 1.6;
  background: var(--white);
}

a { color: var(--accent-dark); }

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 16px clamp(18px, 4vw, 56px);
  background: var(--white);
  border-bottom: 1px solid var(--line);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  color: var(--ink);
  font-weight: 700;
  line-height: 1.1;
  text-decoration: none;
}

.brand-mark {
  flex: 0 0 auto;
  width: 58px;
  height: 58px;
  overflow: hidden;
  border-radius: 50%;
}

.brand-mark img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.brand-text {
  max-width: 210px;
}

.nav {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  font-size: 14px;
}

.nav a {
  color: var(--muted);
  text-decoration: none;
}

.nav a:hover { color: var(--accent-dark); }

.hero {
  min-height: 72vh;
  display: grid;
  align-items: end;
  padding: 130px clamp(18px, 5vw, 72px) 56px;
  color: var(--white);
  background:
    linear-gradient(90deg, rgba(14,31,43,.92), rgba(14,31,43,.58)),
    url("https://images.unsplash.com/photo-1503387762-592deb58ef4e?auto=format&fit=crop&w=1800&q=80") center/cover;
}

.hero-content,
.section,
.footer {
  max-width: 1120px;
  margin: 0 auto;
}

.hero-content { width: 100%; }

.eyebrow,
.section-kicker {
  margin: 0 0 12px;
  color: var(--gold);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
}

h1, h2, h3 {
  line-height: 1.16;
  margin: 0 0 18px;
}

h1 {
  max-width: 880px;
  font-size: clamp(36px, 6vw, 68px);
}

h2 { font-size: clamp(28px, 4vw, 44px); }
h3 { font-size: 21px; }

.lead {
  max-width: 760px;
  margin: 0 0 28px;
  font-size: clamp(18px, 2vw, 22px);
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 12px 20px;
  border-radius: 6px;
  text-decoration: none;
  font-weight: 700;
}

.primary {
  color: var(--white);
  background: var(--accent);
}

.secondary {
  color: var(--white);
  border: 1px solid rgba(255,255,255,.7);
}

.outline {
  color: var(--accent-dark);
  border: 1px solid var(--accent);
}

.actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.section {
  padding: 68px clamp(18px, 5vw, 72px);
}

.intro {
  display: grid;
  grid-template-columns: minmax(0, 1.4fr) minmax(260px, .6fr);
  gap: 32px;
}

.panel,
.card,
.faq details {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
}

.panel {
  padding: 28px;
  background: var(--soft);
}

.number {
  display: block;
  color: var(--accent-dark);
  font-size: 48px;
  font-weight: 800;
  line-height: 1;
}

.grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.card {
  padding: 24px;
}

.card a {
  font-weight: 700;
  text-decoration: none;
}

.band {
  background: var(--soft);
}

.list {
  padding-left: 20px;
}

.columns {
  columns: 2;
  column-gap: 44px;
}

.columns li {
  break-inside: avoid;
}

.faq {
  display: grid;
  gap: 12px;
}

.faq details {
  padding: 18px 20px;
}

.faq summary {
  cursor: pointer;
  font-weight: 700;
}

.contact {
  color: var(--white);
  background: var(--accent-dark);
}

.contact a {
  color: var(--white);
  font-weight: 700;
}

.article-hero {
  min-height: 54vh;
}

.article-layout {
  display: grid;
  grid-template-columns: 250px minmax(0, 1fr);
  gap: 48px;
  align-items: start;
}

.toc {
  position: sticky;
  top: 108px;
  display: grid;
  gap: 10px;
  padding: 22px;
}

.toc a {
  text-decoration: none;
  font-weight: 700;
}

.article-body {
  min-width: 0;
  max-width: 730px;
}

.article-body h2 {
  margin-top: 48px;
  font-size: 34px;
}

.article-body h2[id] {
  scroll-margin-top: 106px;
}

.article-body p,
.article-body li {
  font-size: 18px;
}

.article-intro {
  margin: 0;
  color: var(--muted);
  font-size: 22px !important;
}

.article-points {
  display: grid;
  gap: 18px;
  margin-top: 28px;
}

.article-points section {
  padding: 22px 24px;
  border-left: 3px solid var(--gold);
  background: var(--soft);
}

.article-points h3 {
  margin-bottom: 8px;
}

.article-points p {
  margin: 0;
}

.steps {
  padding-left: 25px;
}

.steps li {
  margin-bottom: 12px;
}

.article-cta {
  margin-top: 54px;
  padding: 34px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--soft);
}

.article-cta h2 {
  margin-top: 0;
}

.table-scroll {
  overflow-x: auto;
}

.comparison {
  width: 100%;
  min-width: 620px;
  margin: 26px 0;
  border-collapse: collapse;
  font-size: 16px;
  line-height: 1.45;
}

.comparison th,
.comparison td {
  padding: 14px 16px;
  border: 1px solid var(--line);
  vertical-align: top;
  text-align: left;
}

.comparison thead th {
  background: var(--soft);
}

.comparison tbody th {
  color: var(--accent-dark);
}

.footer {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding: 28px clamp(18px, 5vw, 72px);
  color: var(--muted);
  border-top: 1px solid var(--line);
  font-size: 14px;
}

@media (max-width: 820px) {
  .site-header,
  .footer {
    align-items: flex-start;
    flex-direction: column;
  }

  .intro,
  .grid,
  .article-layout {
    grid-template-columns: 1fr;
  }

  .toc {
    position: static;
  }

  .article-body h2[id] {
    scroll-margin-top: 152px;
  }

  .columns {
    columns: 1;
  }

  .hero {
    min-height: 66vh;
    padding-top: 96px;
  }
}