:root{
  --ref-navy:#10233f;
  --ref-blue:#2e5da8;
  --ref-orange:#e68517;
  --ref-orange-deep:#cb5b17;
  --ref-ink:#182538;
  --ref-muted:#5e6b82;
  --ref-surface:#ffffff;
  --ref-surface-soft:#f6f8fb;
  --ref-border:#dfe7f1;
  --ref-shadow:0 18px 44px rgba(16,35,63,.08);
  --ref-shadow-soft:0 10px 28px rgba(16,35,63,.05);
}

body{
  background:linear-gradient(180deg,#f5f7fb 0%,#ffffff 30%,#f8fafc 100%) !important;
  color:var(--ref-ink) !important;
}

.site-shell{
  background:transparent !important;
}

.topbar{
  background:rgba(255,255,255,.96) !important;
  border-bottom:1px solid var(--ref-border) !important;
  box-shadow:0 8px 24px rgba(16,35,63,.05) !important;
}

.topbar-inner{
  max-width:1240px !important;
  min-height:80px !important;
}

.brand{
  background:transparent !important;
  padding:0 !important;
  border-radius:0 !important;
  box-shadow:none !important;
}

.brand img{
  height:56px !important;
}

.nav-links{
  gap:10px !important;
}

.nav-links a{
  color:var(--ref-navy) !important;
  opacity:1 !important;
  padding:10px 14px !important;
  border-radius:999px !important;
  text-transform:uppercase !important;
  letter-spacing:.08em !important;
  font-size:.76rem !important;
  font-weight:800 !important;
}

.nav-links a:hover{
  background:#eef3f9 !important;
  color:var(--ref-blue) !important;
}

.btn{
  min-height:46px !important;
  box-shadow:none !important;
}

.btn-primary{
  background:linear-gradient(135deg,var(--ref-orange),var(--ref-orange-deep)) !important;
}

.btn-secondary{
  background:var(--ref-navy) !important;
}

.btn-ghost{
  background:#fff !important;
  color:var(--ref-navy) !important;
  border:1px solid var(--ref-border) !important;
}

.hero{
  padding:118px 0 18px !important;
}

.hero-card{
  max-width:1240px !important;
  margin:0 auto !important;
  grid-template-columns:minmax(0,1.1fr) minmax(300px,.82fr) !important;
  gap:28px !important;
  padding:34px !important;
  background:#ffffff !important;
  border:1px solid var(--ref-border) !important;
  border-radius:28px !important;
  box-shadow:var(--ref-shadow) !important;
}

.eyebrow{
  background:#eef3f9 !important;
  border:1px solid #d8e2ef !important;
  color:var(--ref-blue) !important;
}

.hero h1{
  font-size:clamp(2.2rem,4vw,4rem) !important;
  line-height:1.02 !important;
  letter-spacing:-.05em !important;
  color:var(--ref-navy) !important;
}

.hero p{
  color:var(--ref-muted) !important;
  line-height:1.75 !important;
}

.hero-points span,
.hero-meta span{
  background:#f7f9fc !important;
  border:1px solid var(--ref-border) !important;
  color:var(--ref-navy) !important;
  backdrop-filter:none !important;
}

.hero-aside{
  background:var(--ref-surface-soft) !important;
  border:1px solid var(--ref-border) !important;
  border-radius:24px !important;
  box-shadow:none !important;
}

.hero-aside img{
  border-radius:18px !important;
  box-shadow:none !important;
}

.mini-item strong{
  color:var(--ref-blue) !important;
}

.mini-item span{
  color:var(--ref-navy) !important;
}

.breadcrumbs{
  color:#7a879b !important;
}

.breadcrumbs a{
  color:var(--ref-blue) !important;
}

.section-tight{
  padding:26px 0 !important;
}

.quick-nav a{
  background:#ffffff !important;
  border:1px solid var(--ref-border) !important;
  box-shadow:none !important;
  color:var(--ref-navy) !important;
}

.quick-nav a:hover{
  background:#eef3f9 !important;
  color:var(--ref-blue) !important;
  border-color:#d8e2ef !important;
}

.trust-ribbon span,
.info-card,
.feature-item,
.step-item,
.related-card,
.faq-item,
.bullet-list li{
  background:#ffffff !important;
  border:1px solid var(--ref-border) !important;
  box-shadow:var(--ref-shadow-soft) !important;
}

.trust-ribbon span{
  border-radius:16px !important;
}

.info-card{
  border-radius:20px !important;
}

.info-card::before{
  width:4px !important;
  background:var(--ref-orange) !important;
}

.section{
  padding:72px 0 !important;
}

.surface{
  background:transparent !important;
}

.section-head h2{
  color:var(--ref-navy) !important;
  font-size:clamp(1.9rem,3vw,3rem) !important;
  line-height:1.08 !important;
}

.section-head p,
.feature-item p,
.step-item p,
.related-card p,
.faq-answer p,
.info-card strong{
  color:var(--ref-muted) !important;
}

.card-kicker{
  background:#eef3f9 !important;
  color:var(--ref-blue) !important;
}

.bullet-list li{
  position:relative !important;
  padding:16px 16px 16px 48px !important;
  border-radius:18px !important;
}

.bullet-list li::before{
  top:21px !important;
  left:18px !important;
  width:12px !important;
  height:12px !important;
  background:var(--ref-orange) !important;
}

.step-item{
  border-radius:20px !important;
}

.step-number{
  background:var(--ref-navy) !important;
  box-shadow:none !important;
}

.cta-band{
  background:var(--ref-navy) !important;
  border-radius:24px !important;
  box-shadow:var(--ref-shadow) !important;
}

.cta-band p{
  color:rgba(255,255,255,.78) !important;
}

.cta-points span{
  background:rgba(255,255,255,.08) !important;
  border:none !important;
}

.related-card{
  border-radius:22px !important;
}

.related-card::before{
  width:4px !important;
  background:var(--ref-orange) !important;
}

.related-card a{
  color:var(--ref-blue) !important;
}

.faq-item{
  border-radius:22px !important;
}

.faq-item summary::after{
  color:var(--ref-orange) !important;
}

.site-footer{
  background:var(--ref-navy) !important;
}

.site-footer::before{
  display:none !important;
}

.footer-grid > div{
  background:rgba(255,255,255,.04) !important;
  border:1px solid rgba(255,255,255,.08) !important;
  border-radius:20px !important;
  padding:22px !important;
}

.sticky-cta{
  background:rgba(16,35,63,.96) !important;
  border:1px solid rgba(255,255,255,.08) !important;
  box-shadow:0 14px 34px rgba(16,35,63,.2) !important;
}

@media (max-width:1024px){
  .hero-card{
    grid-template-columns:1fr !important;
  }
}

@media (max-width:820px){
  .hero{
    padding-top:104px !important;
  }

  .section{
    padding:60px 0 !important;
  }
}