:root{
  --indigo:#4F46E5;--indigo-600:#4F46E5;--indigo-500:#6366F1;--indigo-050:#eef2ff;
  --gold:#FFB22C;--ink:#111827;--body:#374151;--muted:#6b7280;--line:#e5e7eb;
  --bg:#f3f4f6;--card:#ffffff;--radius:14px;--maxw:760px;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:'Montserrat',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  background:var(--bg);color:var(--body);line-height:1.7;font-size:17px;
  display:flex;flex-direction:column;min-height:100vh}
a{color:var(--indigo);text-decoration:none}
a:hover{text-decoration:underline}
strong{color:var(--ink);font-weight:600}
img{max-width:100%;height:auto}

/* Header */
.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.85);
  backdrop-filter:saturate(1.8) blur(16px);border-bottom:1px solid var(--line)}
.hdr-inner{max-width:1100px;margin:0 auto;padding:12px 20px;display:flex;
  align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:10px;font-weight:700;color:var(--ink);font-size:17px}
.brand:hover{text-decoration:none}
.brand-mark{width:34px;height:34px;border-radius:9px;background:var(--indigo);color:#fff;
  display:flex;align-items:center;justify-content:center;font-weight:800;font-size:15px}
.hdr-actions{display:flex;align-items:center;gap:14px}
.hdr-phone{font-weight:600;color:var(--ink);font-size:15px;white-space:nowrap}
.hdr-phone:hover{color:var(--indigo);text-decoration:none}
.btn{display:inline-block;background:var(--indigo);color:#fff;font-weight:600;
  padding:10px 18px;border-radius:10px;font-size:15px;transition:background .15s,transform .1s;
  border:none;cursor:pointer;text-align:center}
.btn:hover{background:#4338ca;text-decoration:none;color:#fff}
.btn:active{transform:scale(.98)}
.btn-gold{background:var(--gold);color:#3a2a00}
.btn-gold:hover{background:#f0a417;color:#3a2a00}
.btn-ghost{background:#fff;color:var(--indigo);border:1.5px solid var(--indigo)}
.btn-ghost:hover{background:var(--indigo-050);color:var(--indigo)}

/* Layout */
main{flex:1;width:100%}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}
.wrap-wide{max-width:1100px;margin:0 auto;padding:0 20px}

/* Breadcrumb */
.crumb{max-width:var(--maxw);margin:18px auto 0;padding:0 20px;font-size:13px;color:var(--muted)}
.crumb ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;align-items:center}
.crumb li::after{content:"›";margin-left:6px;color:#c4c9d2}
.crumb li:last-child::after{content:""}
.crumb a{color:var(--muted)}
.crumb li:last-child{color:var(--ink);font-weight:600}

/* Article */
article{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  margin:16px auto 40px;padding:34px 30px;box-shadow:0 1px 3px rgba(16,24,40,.04)}
.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:12px;font-weight:700;
  color:var(--indigo);margin-bottom:10px}
h1{font-size:clamp(26px,4.5vw,36px);line-height:1.2;color:var(--ink);font-weight:800;margin-bottom:14px}
.answer-box{font-size:19px;line-height:1.6;color:var(--ink);background:var(--indigo-050);
  border-left:4px solid var(--indigo);border-radius:0 10px 10px 0;padding:16px 18px;margin:6px 0 18px}
.meta-row{font-size:13px;color:var(--muted);margin-bottom:22px;display:flex;gap:10px;flex-wrap:wrap;align-items:center}
.meta-row .dot{color:#c4c9d2}
article h2{font-size:clamp(21px,3vw,26px);color:var(--ink);font-weight:700;margin:32px 0 12px;
  padding-top:6px;line-height:1.3}
article h3{font-size:19px;color:var(--ink);font-weight:600;margin:22px 0 8px}
article p{margin:0 0 16px}
article ul,article ol{margin:0 0 18px;padding-left:22px}
article li{margin-bottom:8px}
.tbl-wrap{overflow-x:auto;margin:0 0 20px}
article table{border-collapse:collapse;width:100%;font-size:15px;min-width:400px}
article th,article td{border:1px solid var(--line);padding:9px 12px;text-align:left;vertical-align:top}
article th{background:#f9fafb;font-weight:600;color:var(--ink)}
article tr:nth-child(even) td{background:#fcfcfd}

/* Inline CTA */
.cta-inline{background:linear-gradient(135deg,var(--indigo) 0%,var(--indigo-500) 100%);
  color:#fff;border-radius:12px;padding:20px 22px;margin:26px 0;display:flex;
  align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap}
.cta-inline .cta-txt{font-weight:600;font-size:16px;max-width:60ch}
.cta-inline .cta-txt small{display:block;font-weight:400;opacity:.9;font-size:13px;margin-top:3px}

/* FAQ */
.faq{margin-top:34px;border-top:1px solid var(--line);padding-top:22px}
.faq h2{margin-top:0}
.faq details{border:1px solid var(--line);border-radius:10px;margin-bottom:10px;background:#fff}
.faq summary{cursor:pointer;font-weight:600;color:var(--ink);padding:14px 16px;list-style:none;
  font-size:16px;display:flex;justify-content:space-between;align-items:center;gap:10px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--indigo);font-weight:700;font-size:20px}
.faq details[open] summary::after{content:"–"}
.faq details[open] summary{border-bottom:1px solid var(--line)}
.faq .faq-a{padding:14px 16px;color:var(--body);font-size:15.5px}

/* Related / hub grids */
.related{margin-top:34px;border-top:1px solid var(--line);padding-top:20px}
.related h2{margin-top:0;font-size:20px}
.link-list{list-style:none;padding:0;display:grid;gap:8px}
.link-list a{display:block;padding:11px 14px;background:#f9fafb;border:1px solid var(--line);
  border-radius:10px;color:var(--ink);font-weight:500;font-size:15px}
.link-list a:hover{background:var(--indigo-050);border-color:var(--indigo);text-decoration:none}
.card-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px;margin:18px 0}
.hub-card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:20px;
  display:flex;flex-direction:column;gap:8px}
.hub-card h3{margin:0;font-size:18px;color:var(--ink)}
.hub-card p{margin:0;font-size:14px;color:var(--muted)}
.hub-card a.card-link{margin-top:auto;font-weight:600;font-size:14px}

/* Disclaimer */
.disclaimer{margin-top:26px;font-size:12.5px;color:var(--muted);border-top:1px solid var(--line);
  padding-top:14px;line-height:1.6}

/* Big CTA block */
.cta-block{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);
  padding:30px 26px;margin:16px auto 40px;text-align:center;box-shadow:0 1px 3px rgba(16,24,40,.04)}
.cta-block h2{font-size:24px;color:var(--ink);margin-bottom:8px}
.cta-block p{color:var(--muted);margin:0 auto 18px;max-width:52ch}
.cta-row{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

/* Hub hero */
.hub-hero{background:linear-gradient(135deg,var(--indigo) 0%,var(--indigo-500) 100%);color:#fff;
  padding:52px 20px 44px;text-align:center}
.hub-hero h1{color:#fff}
.hub-hero p{max-width:620px;margin:12px auto 0;opacity:.94;font-size:17px}
.hub-hero .eyebrow{color:var(--gold)}

/* Footer */
.site-footer{background:var(--ink);color:#cbd0d8;padding:34px 20px;font-size:14px;line-height:1.9;margin-top:auto}
.foot-inner{max-width:1100px;margin:0 auto;display:flex;flex-wrap:wrap;justify-content:space-between;gap:24px}
.site-footer a{color:var(--gold)}
.foot-brand{font-weight:700;color:#fff;font-size:16px;margin-bottom:6px;display:block}
.foot-links{display:flex;flex-wrap:wrap;gap:14px;margin-top:6px}
.foot-legal{width:100%;border-top:1px solid #2a3140;margin-top:18px;padding-top:14px;font-size:12px;color:#8b93a1}

@media(max-width:640px){
  body{font-size:16px}
  article{padding:24px 18px;border-radius:12px}
  .cta-inline{flex-direction:column;align-items:flex-start}
}