/* === RESET & BASE === */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{font-size:16px;scroll-behavior:smooth}
body{font-family:'Segoe UI',Roboto,Helvetica,Arial,sans-serif;line-height:1.7;color:#1a2332;background:#f8f9fa}
img{max-width:100%;height:auto}
a{color:#2563eb;text-decoration:none;transition:color .2s}
a:hover,a:focus{color:#1d4ed8;text-decoration:underline}

/* === LAYOUT === */
.container{max-width:960px;margin:0 auto;padding:0 1.25rem}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem}
.grid-3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:1.5rem}

/* === HEADER === */
.site-header{background:#1a2332;color:#fff;padding:1rem 0;position:sticky;top:0;z-index:100;box-shadow:0 2px 8px rgba(0,0,0,.15)}
.site-header .container{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:.75rem}
.site-logo{font-size:1.25rem;font-weight:700;color:#fff;letter-spacing:-.02em}
.site-logo:hover{color:#93c5fd;text-decoration:none}
.site-logo span{color:#f59e0b}

/* NAV */
.main-nav{display:flex;gap:.15rem;flex-wrap:wrap}
.main-nav a{color:#cbd5e1;font-size:.85rem;padding:.35rem .6rem;border-radius:4px;transition:background .2s,color .2s;white-space:nowrap}
.main-nav a:hover,.main-nav a:focus,.main-nav a[aria-current="page"]{background:rgba(255,255,255,.1);color:#fff;text-decoration:none}
.nav-toggle{display:none;background:none;border:2px solid #cbd5e1;color:#cbd5e1;padding:.4rem .6rem;border-radius:4px;cursor:pointer;font-size:1.1rem}

/* === DISCLAIMER BANNER === */
.disclaimer-banner{background:#fef3c7;border-bottom:2px solid #f59e0b;padding:.6rem 0;font-size:.8rem;color:#92400e;text-align:center}

/* === HERO === */
.hero{background:linear-gradient(135deg,#1a2332 0%,#1e3a5f 100%);color:#fff;padding:3.5rem 0;text-align:center}
.hero h1{font-size:2.2rem;margin-bottom:1rem;line-height:1.2;color:#fff}
.hero p{font-size:1.1rem;max-width:640px;margin:0 auto;color:#cbd5e1}
.hero .highlight{color:#f59e0b;font-weight:600}

/* === MAIN CONTENT === */
main{padding:2.5rem 0}
article{background:#fff;border-radius:8px;padding:2rem;box-shadow:0 1px 4px rgba(0,0,0,.06);margin-bottom:2rem}

h1{font-size:2rem;color:#1a2332;margin-bottom:1rem;line-height:1.25}
h2{font-size:1.5rem;color:#1a2332;margin:2rem 0 .75rem;padding-bottom:.4rem;border-bottom:2px solid #e2e8f0}
h3{font-size:1.15rem;color:#334155;margin:1.5rem 0 .5rem}
p{margin-bottom:1rem}

/* === CARDS === */
.card{background:#fff;border:1px solid #e2e8f0;border-radius:8px;padding:1.5rem;transition:box-shadow .2s}
.card:hover{box-shadow:0 4px 12px rgba(0,0,0,.08)}
.card h3{margin-top:0;color:#1a2332}
.card a.card-link{display:inline-block;margin-top:.75rem;font-weight:600;font-size:.9rem}

/* === ALERT / WARNING BOXES === */
.alert{border-left:4px solid #f59e0b;background:#fffbeb;padding:1rem 1.25rem;border-radius:0 6px 6px 0;margin:1.5rem 0;font-size:.92rem}
.alert-red{border-left-color:#ef4444;background:#fef2f2}
.alert strong{display:block;margin-bottom:.25rem}

/* === LISTS === */
ul,ol{margin:0 0 1rem 1.5rem}
li{margin-bottom:.4rem}
.checklist{list-style:none;margin-left:0;padding:0}
.checklist li{padding-left:1.6rem;position:relative;margin-bottom:.6rem}
.checklist li::before{content:"\2713";position:absolute;left:0;color:#16a34a;font-weight:700}
.red-flags{list-style:none;margin-left:0;padding:0}
.red-flags li{padding-left:1.6rem;position:relative;margin-bottom:.6rem}
.red-flags li::before{content:"\26A0";position:absolute;left:0;color:#ef4444}

/* === FAQ === */
.faq{margin:2rem 0}
.faq details{border:1px solid #e2e8f0;border-radius:6px;margin-bottom:.75rem;background:#fff}
.faq summary{padding:1rem 1.25rem;font-weight:600;cursor:pointer;list-style:none;position:relative;font-size:.95rem}
.faq summary::after{content:"+";position:absolute;right:1.25rem;top:50%;transform:translateY(-50%);font-size:1.2rem;color:#64748b}
.faq details[open] summary::after{content:"\2212"}
.faq .faq-answer{padding:0 1.25rem 1rem;font-size:.92rem;color:#475569}

/* === STEPS / NUMBERED === */
.steps{counter-reset:step}
.steps li{counter-increment:step;padding-left:2.2rem;position:relative;margin-bottom:1rem;list-style:none}
.steps li::before{content:counter(step);position:absolute;left:0;top:0;width:1.6rem;height:1.6rem;background:#2563eb;color:#fff;border-radius:50%;text-align:center;line-height:1.6rem;font-size:.8rem;font-weight:700}

/* === TABLE === */
table{width:100%;border-collapse:collapse;margin:1.5rem 0;font-size:.9rem}
th,td{padding:.7rem 1rem;text-align:left;border-bottom:1px solid #e2e8f0}
th{background:#f1f5f9;font-weight:600;color:#334155}

/* === FOOTER === */
.site-footer{background:#1a2332;color:#94a3b8;padding:2rem 0;font-size:.85rem;margin-top:3rem}
.site-footer a{color:#93c5fd}
.site-footer a:hover{color:#fff}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:2rem;margin-bottom:1.5rem}
.footer-bottom{border-top:1px solid #334155;padding-top:1rem;text-align:center;font-size:.78rem;color:#64748b}
.footer-links{list-style:none;margin:0;padding:0}
.footer-links li{margin-bottom:.4rem}

/* === SEARCH PAGE === */
.search-input{width:100%;padding:.75rem 1rem;border:2px solid #e2e8f0;border-radius:6px;font-size:1rem;margin-bottom:1.5rem;transition:border-color .2s}
.search-input:focus{outline:none;border-color:#2563eb}
.search-result{padding:1rem 0;border-bottom:1px solid #e2e8f0}
.search-result h3{margin:0 0 .25rem;font-size:1rem}
.search-result p{margin:0;font-size:.88rem;color:#64748b}

/* === BREADCRUMB === */
.breadcrumb{font-size:.82rem;color:#64748b;margin-bottom:1.5rem}
.breadcrumb a{color:#2563eb}
.breadcrumb span{margin:0 .35rem}

/* === META LINE === */
.meta{font-size:.82rem;color:#64748b;margin-bottom:1.5rem;font-style:italic}

/* === BUTTONS === */
.btn{display:inline-block;padding:.65rem 1.4rem;border-radius:6px;font-weight:600;font-size:.9rem;text-align:center;transition:background .2s,transform .1s;cursor:pointer;border:none}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn-primary{background:#2563eb;color:#fff}
.btn-primary:hover{background:#1d4ed8;color:#fff}
.btn-outline{background:transparent;color:#2563eb;border:2px solid #2563eb}
.btn-outline:hover{background:#2563eb;color:#fff}

/* === CTA SECTION === */
.cta-section{background:#1e3a5f;color:#fff;padding:2.5rem;border-radius:8px;text-align:center;margin:2rem 0}
.cta-section h2{color:#fff;border:none;margin-top:0}
.cta-section p{color:#cbd5e1}
.cta-section .btn-primary{background:#f59e0b;color:#1a2332}
.cta-section .btn-primary:hover{background:#d97706}

/* === LAST UPDATED === */
.updated-badge{display:inline-block;background:#e0f2fe;color:#0369a1;padding:.25rem .75rem;border-radius:4px;font-size:.78rem;font-weight:600;margin-bottom:1rem}

/* === SKIP LINK === */
.skip-link{position:absolute;top:-100%;left:1rem;background:#2563eb;color:#fff;padding:.5rem 1rem;border-radius:0 0 6px 6px;z-index:200}
.skip-link:focus{top:0}

/* === IMAGES === */
.hero-img{position:relative;overflow:hidden}
.hero-img img{width:100%;max-height:420px;object-fit:cover;display:block}
.hero-img-overlay{position:absolute;bottom:0;left:0;right:0;background:linear-gradient(transparent,rgba(26,35,50,.85));padding:1.5rem 1.5rem .75rem;color:#fff}
.hero-img-overlay p{color:#cbd5e1;margin:0;font-size:.8rem;font-style:italic}

.featured-img{border-radius:8px;overflow:hidden;margin:1.5rem 0;box-shadow:0 2px 12px rgba(0,0,0,.1)}
.featured-img img{width:100%;display:block}
.featured-img figcaption{background:#f8f9fa;padding:.6rem 1rem;font-size:.78rem;color:#64748b;font-style:italic;border-top:1px solid #e2e8f0}

.img-float-right{float:right;max-width:320px;margin:0 0 1.25rem 1.5rem;border-radius:8px;overflow:hidden;box-shadow:0 2px 10px rgba(0,0,0,.1)}
.img-float-right img{width:100%;display:block}
.img-float-right figcaption{background:#f8f9fa;padding:.5rem .75rem;font-size:.75rem;color:#64748b;font-style:italic}

.img-float-left{float:left;max-width:280px;margin:0 1.5rem 1.25rem 0;border-radius:8px;overflow:hidden;box-shadow:0 2px 10px rgba(0,0,0,.1)}
.img-float-left img{width:100%;display:block}
.img-float-left figcaption{background:#f8f9fa;padding:.5rem .75rem;font-size:.75rem;color:#64748b;font-style:italic}

.img-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin:1.5rem 0}
.img-grid figure{margin:0;border-radius:8px;overflow:hidden;box-shadow:0 2px 10px rgba(0,0,0,.1)}
.img-grid img{width:100%;display:block}
.img-grid figcaption{background:#f8f9fa;padding:.5rem .75rem;font-size:.75rem;color:#64748b;font-style:italic;border-top:1px solid #e2e8f0}

.card-img{width:100%;height:180px;object-fit:cover;border-radius:6px 6px 0 0;margin-bottom:.75rem}

.warning-banner-img{position:relative;border-radius:8px;overflow:hidden;margin:1.5rem 0;box-shadow:0 4px 20px rgba(0,0,0,.15)}
.warning-banner-img img{width:100%;display:block}
.warning-banner-img .img-badge{position:absolute;top:1rem;left:1rem;background:#ef4444;color:#fff;padding:.3rem .8rem;border-radius:4px;font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em}
.warning-banner-img figcaption{background:#1a2332;padding:.6rem 1rem;font-size:.78rem;color:#94a3b8;font-style:italic}

.clearfix::after{content:"";display:table;clear:both}

/* === RESPONSIVE === */
@media(max-width:768px){
  .grid-2,.grid-3,.footer-grid{grid-template-columns:1fr}
  .hero h1{font-size:1.6rem}
  h1{font-size:1.5rem}
  h2{font-size:1.25rem}
  .main-nav{display:none;width:100%;flex-direction:column;gap:0}
  .main-nav.open{display:flex}
  .main-nav a{padding:.6rem .8rem;border-bottom:1px solid #334155}
  .nav-toggle{display:block}
  article{padding:1.25rem}
  .img-float-right,.img-float-left{float:none;max-width:100%;margin:1rem 0}
  .img-grid{grid-template-columns:1fr}
}