:root {
  --ink: #142f43;
  --ink-2: #2f4a5d;
  --teal: #00526d;
  --teal-2: #006d8f;
  --gold: #f5a623;
  --surface: #f7f9fa;
  --surface-2: #eef3f5;
  --line: #c9d3d9;
  --muted: #5a6870;
  --white: #ffffff;
  --danger: #b3261e;
  --shadow: 0 24px 60px rgba(20, 47, 67, 0.10);
  --radius: 14px;
  --max: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  overflow-x: hidden;
  background: var(--surface);
  color: #182126;
  font-family: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.6;
}
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
.site-icon {
  width: 1.15em;
  height: 1.15em;
  flex: 0 0 auto;
  display: inline-block;
  vertical-align: -0.18em;
  color: currentColor;
}
.site-icon.large { width: 3rem; height: 3rem; }
.site-icon.danger { color: var(--danger); }

.top-alert {
  background: var(--ink);
  color: var(--gold);
  font-size: 0.9rem;
  font-weight: 800;
  text-align: center;
  padding: 0.65rem 1rem;
}
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.94);
  border-bottom: 1px solid rgba(201, 211, 217, 0.8);
  backdrop-filter: blur(18px);
}
.nav-shell {
  width: min(var(--max), calc(100% - 48px));
  min-height: 76px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  color: var(--ink);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.55rem;
  font-weight: 800;
}
.brand-icon {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  display: block;
  box-shadow: 0 8px 18px rgba(0, 82, 109, 0.18);
}
.desktop-nav {
  display: flex;
  align-items: center;
  gap: 0.2rem;
}
.desktop-nav a,
.mobile-menu a {
  color: var(--ink-2);
  font-weight: 800;
  font-size: 0.9rem;
  padding: 0.7rem 0.72rem;
  border-radius: 999px;
}
.desktop-nav a:hover,
.desktop-nav a.active,
.mobile-menu a:hover,
.mobile-menu a.active {
  background: rgba(0, 82, 109, 0.10);
  color: var(--teal);
}
.header-actions { display: flex; align-items: center; gap: 0.75rem; }
.icon-link {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: var(--teal);
  background: rgba(0, 82, 109, 0.08);
}
.mobile-menu { display: none; }
.mobile-menu summary { list-style: none; cursor: pointer; }
.mobile-menu summary::-webkit-details-marker { display: none; }
.mobile-menu-panel {
  position: absolute;
  left: 20px;
  right: 20px;
  top: 82px;
  display: grid;
  gap: 0.25rem;
  padding: 0.7rem;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  box-shadow: var(--shadow);
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.55rem;
  min-height: 46px;
  padding: 0.75rem 1.2rem;
  border: 0;
  border-radius: 999px;
  background: var(--teal);
  color: var(--white);
  font-weight: 800;
  cursor: pointer;
}
.button:hover { background: var(--ink); }
.button.gold { background: var(--gold); color: var(--ink); }
.button.ghost {
  border: 1px solid rgba(255, 255, 255, 0.45);
  background: rgba(255, 255, 255, 0.12);
  color: var(--white);
}
.button.secondary {
  border: 1px solid var(--line);
  background: var(--white);
  color: var(--teal);
}

.hero {
  min-height: 620px;
  display: grid;
  align-items: center;
  color: var(--white);
  background:
    linear-gradient(90deg, rgba(14, 43, 61, 0.92), rgba(14, 43, 61, 0.38)),
    url("images/hero-1600.webp") center / cover;
}
.hero.small { min-height: 380px; }
.section,
.hero-content,
.footer-inner,
.footer-bottom {
  width: min(var(--max), calc(100% - 48px));
  margin: 0 auto;
}
.hero-content { padding: 5rem 0; }
.section { padding: 5rem 0; }
.band {
  width: 100%;
  max-width: none;
  padding-left: max(24px, calc((100% - var(--max)) / 2));
  padding-right: max(24px, calc((100% - var(--max)) / 2));
  overflow: hidden;
}
.alt { background: var(--surface-2); }
.dark-band { background: var(--teal); color: var(--white); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  width: fit-content;
  margin-bottom: 1rem;
  padding: 0.4rem 0.85rem;
  border-radius: 999px;
  background: rgba(202, 230, 254, 0.22);
  border: 1px solid rgba(255, 255, 255, 0.24);
  color: inherit;
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 0.07em;
  text-transform: uppercase;
}
.eyebrow.light { color: var(--teal); background: var(--white); border-color: var(--line); }
h1, h2, h3 {
  margin: 0;
  font-family: Georgia, "Times New Roman", serif;
  line-height: 1.08;
  letter-spacing: 0;
  overflow-wrap: break-word;
  text-wrap: balance;
}
h1 { max-width: 820px; font-size: clamp(2.55rem, 6vw, 4.9rem); }
h2 { font-size: clamp(2rem, 4vw, 3rem); }
h3 { font-size: 1.45rem; }
p { margin: 0; }
.lede {
  max-width: 720px;
  margin-top: 1.25rem;
  color: rgba(255, 255, 255, 0.88);
  font-size: clamp(1.08rem, 2vw, 1.3rem);
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 0.9rem; margin-top: 2rem; }
.section-heading {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 2rem;
  margin-bottom: 2rem;
}
.section-heading p { max-width: 720px; margin-top: 0.85rem; color: var(--muted); }
.dark-band .section-heading p { color: rgba(255, 255, 255, 0.76); }

.grid { display: grid; gap: 1.35rem; }
.two { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.three { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.four { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.split {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr);
  gap: 2rem;
  align-items: start;
}
.card,
.subsection-card {
  background: var(--white);
  border: 1px solid rgba(201, 211, 217, 0.85);
  border-radius: var(--radius);
  padding: 1.5rem;
  box-shadow: var(--shadow);
}
.card.flat,
.subsection-card { box-shadow: none; }
.card.dark { background: var(--ink); color: var(--white); border-color: rgba(255,255,255,0.12); }
.card h3,
.card h4,
.subsection-card h3 { color: var(--teal); }
.card.dark h3,
.card.dark h4 { color: var(--white); }
.card p,
.subsection-card p,
.muted { color: var(--muted); }
.card.dark p { color: rgba(255,255,255,0.76); }
.icon-badge {
  width: 52px;
  height: 52px;
  margin-bottom: 1rem;
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: var(--teal);
  background: rgba(0, 82, 109, 0.10);
}
.icon-badge .site-icon { width: 1.65rem; height: 1.65rem; }
.card-link {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  margin-top: 1.25rem;
  color: var(--teal);
  font-weight: 800;
}
.subsection-stack { display: grid; gap: 1rem; }
.subsection-card h4 {
  margin: 1rem 0 0.45rem;
  color: var(--ink);
  font-size: 0.95rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.subsection-card p + p { margin-top: 0.7rem; }
.content-map { display: flex; flex-wrap: wrap; gap: 0.55rem; margin-top: 1.25rem; }
.content-map a {
  display: inline-flex;
  padding: 0.45rem 0.7rem;
  border: 1px solid var(--line);
  border-radius: 999px;
  background: var(--white);
  color: var(--teal);
  font-size: 0.82rem;
  font-weight: 800;
}
.list { display: grid; gap: 0.8rem; padding: 0; margin: 0; list-style: none; }
.list li { display: flex; gap: 0.7rem; align-items: flex-start; color: var(--muted); }
.list .site-icon { color: var(--teal); width: 1.15rem; height: 1.15rem; margin-top: 0.25rem; }
.pill-row { display: flex; flex-wrap: wrap; gap: 0.6rem; }
.pill,
.date-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  padding: 0.45rem 0.75rem;
  border-radius: 999px;
  background: rgba(0, 82, 109, 0.09);
  color: var(--teal);
  font-weight: 800;
  font-size: 0.82rem;
}
.date-pill {
  white-space: nowrap;
  flex-shrink: 0;
  min-width: max-content;
  padding-inline: 0.95rem;
}
.date-pill .site-icon { width: 1.1rem; height: 1.1rem; }
.stat {
  padding: 1.5rem;
  border-radius: var(--radius);
  background: rgba(255,255,255,0.10);
  border: 1px solid rgba(255,255,255,0.16);
}
.stat strong { display: block; font-family: Georgia, "Times New Roman", serif; font-size: 2rem; line-height: 1; }
.table-card { overflow: auto; }
table { width: 100%; min-width: 560px; border-collapse: collapse; }
th, td { padding: 0.95rem 1rem; border-bottom: 1px solid var(--line); text-align: left; }
th { color: var(--ink); font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.06em; }

.dyk-band { background: var(--ink); color: var(--white); }
.dyk-card {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 1.2rem;
  align-items: center;
  padding: 1.35rem 0;
}
.dyk-label {
  color: var(--gold);
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  white-space: nowrap;
}
.dyk-text { color: rgba(255,255,255,0.86); font-weight: 700; }
.media-tile {
  min-height: 180px;
  display: grid;
  place-items: center;
  margin-top: 1rem;
  border-radius: 12px;
  border: 1px dashed rgba(0, 82, 109, 0.35);
  background: linear-gradient(135deg, rgba(0,82,109,0.10), rgba(245,166,35,0.12)), var(--surface);
  color: var(--teal);
  text-align: center;
  font-weight: 800;
}
.report-list { display: flex; flex-wrap: wrap; gap: 0.5rem; margin-top: 1rem; }
.report-list span {
  padding: 0.4rem 0.65rem;
  border-radius: 999px;
  background: rgba(0, 82, 109, 0.08);
  color: var(--teal);
  font-size: 0.8rem;
  font-weight: 800;
}

label { display: grid; gap: 0.45rem; color: var(--ink); font-weight: 800; font-size: 0.9rem; }
input, select, textarea {
  width: 100%;
  min-height: 48px;
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 0.75rem 0.9rem;
  background: var(--white);
  color: #182126;
}
textarea { min-height: 140px; resize: vertical; }
input:focus, select:focus, textarea:focus { outline: 3px solid rgba(0,108,142,0.18); border-color: var(--teal); }
.form-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem; }
.calculator-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(360px, 0.72fr);
  gap: 2rem;
  align-items: start;
}
.calculator-card {
  display: grid;
  gap: 1.35rem;
}
.calculator-card > .muted {
  max-width: 700px;
  margin-top: -0.5rem;
}
.calculator-step {
  display: grid;
  gap: 1rem;
  padding-top: 1.25rem;
  border-top: 1px solid var(--line);
}
.step-heading {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.85rem;
  align-items: start;
}
.step-heading > span {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: var(--teal);
  color: var(--white);
  font-weight: 900;
}
.step-heading h3 {
  margin: 0;
  color: var(--ink);
  font-size: 1rem;
}
.step-heading p {
  margin-top: 0.15rem;
  color: var(--muted);
  font-size: 0.92rem;
}
.full-field { max-width: 520px; }
.amount-list {
  display: grid;
  gap: 0.75rem;
}
.amount-row {
  grid-template-columns: minmax(0, 1fr) minmax(180px, 220px);
  align-items: center;
  gap: 1rem;
  padding: 1rem;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: var(--surface);
}
.amount-row.single-row { max-width: 680px; }
.amount-copy {
  display: grid;
  gap: 0.15rem;
}
.amount-copy strong { color: var(--ink); }
.amount-copy small {
  color: var(--muted);
  font-weight: 600;
}
.money-field {
  display: flex;
  align-items: center;
  min-height: 48px;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: var(--white);
}
.money-field > span {
  padding-left: 0.9rem;
  color: var(--teal);
  font-weight: 900;
}
.money-field input {
  min-height: 46px;
  border: 0;
  border-radius: 0;
  padding-left: 0.35rem;
  font-weight: 800;
}
.money-field input:focus {
  outline: 0;
}
.result-panel {
  display: grid;
  gap: 1rem;
  align-content: start;
  min-height: 100%;
  border-radius: var(--radius);
  background: var(--ink);
  color: var(--white);
  padding: 2rem;
}
.result-value { font-family: Georgia, "Times New Roman", serif; font-size: clamp(2.4rem, 5vw, 4rem); line-height: 1; }
.calculator-result {
  position: sticky;
  top: 100px;
}
.coverage-meter {
  height: 12px;
  overflow: hidden;
  border-radius: 999px;
  background: rgba(255,255,255,0.14);
}
.coverage-meter span {
  display: block;
  width: 0%;
  height: 100%;
  border-radius: inherit;
  background: var(--gold);
  transition: width 160ms ease;
}
.result-breakdown {
  display: grid;
  gap: 0.65rem;
  padding: 1rem 0;
  border-top: 1px solid rgba(255,255,255,0.16);
  border-bottom: 1px solid rgba(255,255,255,0.16);
}
.result-breakdown div {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  color: rgba(255,255,255,0.78);
}
.result-breakdown strong {
  color: var(--white);
  white-space: nowrap;
}
.result-actions {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
}
.glossary-tools {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, 380px);
  gap: 1rem;
  align-items: center;
  margin-bottom: 1.5rem;
}
.search-card {
  display: grid;
  gap: 0.55rem;
  padding: 1rem;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  box-shadow: var(--shadow);
}
.search-card span { color: var(--ink); font-weight: 800; }
.search-field { position: relative; }
.search-field .site-icon {
  position: absolute;
  left: 0.85rem;
  top: 50%;
  translate: 0 -50%;
  color: var(--teal);
  width: 1.2rem;
  height: 1.2rem;
}
.search-field input { padding-left: 2.6rem; }
details.faq {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  overflow: hidden;
}
details.faq summary { cursor: pointer; padding: 1.15rem 1.35rem; color: var(--ink); font-weight: 800; }
details.faq p { padding: 0 1.35rem 1.35rem; color: var(--muted); }

.contact-card { display: grid; gap: 1.5rem; align-content: start; }
.contact-card .list li { color: rgba(255,255,255,0.84); font-weight: 600; }
.contact-card .list .site-icon { color: var(--gold); }
.location-map {
  position: relative;
  min-height: 190px;
  overflow: hidden;
  border-radius: 12px;
  border: 1px solid rgba(255,255,255,0.18);
  background: linear-gradient(135deg, rgba(202,230,254,0.14), rgba(245,166,35,0.10)), #20394c;
}
.location-map::before,
.location-map::after {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(25deg, transparent 0 28%, rgba(255,255,255,0.16) 28% 30%, transparent 30% 100%),
    linear-gradient(110deg, transparent 0 42%, rgba(255,255,255,0.12) 42% 44%, transparent 44% 100%),
    linear-gradient(165deg, transparent 0 58%, rgba(255,255,255,0.10) 58% 60%, transparent 60% 100%);
}
.location-map::after {
  inset: 18px;
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: 10px;
  background:
    radial-gradient(circle at 60% 48%, rgba(245,166,35,0.34) 0 5px, transparent 6px),
    linear-gradient(90deg, transparent 0 48%, rgba(245,166,35,0.30) 48% 51%, transparent 51% 100%);
}
.map-pin {
  position: absolute;
  left: 58%;
  top: 42%;
  z-index: 2;
  transform: translate(-50%, -50%);
  display: grid;
  place-items: center;
  width: 44px;
  height: 44px;
  border-radius: 50% 50% 50% 0;
  rotate: -45deg;
  background: var(--gold);
  color: var(--ink);
  box-shadow: 0 14px 34px rgba(0,0,0,0.24);
}
.map-pin .site-icon { rotate: 45deg; width: 1.35rem; height: 1.35rem; }
.map-caption {
  position: absolute;
  left: 1rem;
  right: 1rem;
  bottom: 1rem;
  z-index: 2;
  padding: 0.8rem 0.9rem;
  border-radius: 10px;
  background: rgba(20,47,67,0.78);
  border: 1px solid rgba(255,255,255,0.14);
}
.map-caption h3 { color: var(--white); font-size: 1.05rem; }
.map-caption p { color: rgba(255,255,255,0.74); font-size: 0.9rem; }

.site-footer { background: var(--ink); color: var(--white); padding: 4.5rem 0 2rem; }
.footer-inner { display: grid; grid-template-columns: 1.3fr repeat(3, 1fr); gap: 2rem; }
.site-footer h3, .site-footer h4 { color: var(--white); }
.site-footer p, .site-footer a { color: rgba(255,255,255,0.74); }
.footer-links { display: grid; gap: 0.55rem; padding: 0; margin: 1rem 0 0; list-style: none; }
.social-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
  margin-top: 1.25rem;
}
.social-link {
  width: 40px;
  height: 40px;
  border: 1px solid rgba(255,255,255,0.22);
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: rgba(255,255,255,0.08);
  color: rgba(255,255,255,0.82);
}
.social-link:hover {
  border-color: rgba(245,166,35,0.76);
  background: rgba(245,166,35,0.16);
  color: var(--white);
}
.social-link svg {
  width: 19px;
  height: 19px;
}
.footer-bottom {
  margin-top: 3rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255,255,255,0.14);
  color: rgba(255,255,255,0.55);
  font-size: 0.86rem;
}

@media (max-width: 1120px) {
  .desktop-nav { display: none; }
  .mobile-menu { display: block; }
}
@media (max-width: 860px) {
  .hero {
    min-height: 600px;
    background:
      linear-gradient(90deg, rgba(14, 43, 61, 0.92), rgba(14, 43, 61, 0.38)),
      url("images/hero-960.webp") center / cover;
  }
  .hero.small { min-height: 340px; }
  .section { padding: 4rem 0; }
  .section-heading,
  .split,
  .two,
  .three,
  .four,
  .footer-inner,
  .form-grid,
  .calculator-layout,
  .glossary-tools,
  .dyk-card {
    grid-template-columns: 1fr;
  }
  .calculator-result { position: static; }
  .section-heading { display: grid; align-items: start; }
  .button { width: 100%; }
  .hero-actions .button { width: 100%; max-width: 330px; }
  .band { padding-left: 24px; padding-right: 24px; }
  .date-pill { justify-self: start; }
}
@media (max-width: 520px) {
  .hero {
    background:
      linear-gradient(90deg, rgba(14, 43, 61, 0.92), rgba(14, 43, 61, 0.38)),
      url("images/hero-640.webp") center / cover;
  }
  .section,
  .hero-content,
  .footer-inner,
  .footer-bottom,
  .nav-shell {
    width: min(var(--max), calc(100% - 40px));
  }
  .band { padding-left: 20px; padding-right: 20px; }
  .nav-shell { min-height: 68px; }
  .brand { font-size: 1.25rem; }
  .brand-icon { width: 32px; height: 32px; }
  .header-actions .button { min-height: 40px; padding: 0.6rem 0.8rem; font-size: 0.82rem; }
  .hero-content { padding: 4rem 0; }
  h1 { font-size: clamp(2.2rem, 13vw, 3.5rem); }
  h2 { font-size: clamp(1.8rem, 9vw, 2.35rem); }
  .card, .subsection-card { padding: 1.15rem; }
  .amount-row,
  .result-actions {
    grid-template-columns: 1fr;
  }
  .amount-row { gap: 0.7rem; }
  .result-panel { padding: 1.35rem; }
}