@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400&display=swap');

:root {
  /* Navy + Gold + Cream — highest trust premium palette */
  --navy: #1B2A4A;
  --navy-light: #2A3F6A;
  --navy-dark: #0F1A2E;
  --gold: #C9A84C;
  --gold-hover: #B8942F;
  --gold-soft: #FBF6EC;
  --cream: #FDFAF3;
  --bg: #FFFFFF;
  --text: #2C3040;
  --text-body: #4A4E5C;
  --text-muted: #8A8E9A;
  --border: #E8E8EC;
  --border-light: #F0F0F4;
  --red-cta: #C41E3A;
  --red-cta-hover: #A81830;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.04);
  --shadow: 0 2px 12px rgba(0,0,0,0.06);
  --shadow-md: 0 4px 24px rgba(0,0,0,0.08);
  --shadow-lg: 0 8px 40px rgba(0,0,0,0.12);
  --radius: 10px;
  --radius-lg: 14px;
  --max-width: 720px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  background: var(--bg);
  color: var(--text-body);
  line-height: 1.8;
  font-size: 16.5px;
  -webkit-font-smoothing: antialiased;
}

/* ===== HERO — Navy with gold accent ===== */
.hero {
  background: linear-gradient(170deg, var(--navy-dark) 0%, var(--navy) 50%, var(--navy-light) 100%);
  padding: 60px 24px 52px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, transparent 5%, var(--gold) 50%, transparent 95%);
}
.hero h1 {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: 2.35em;
  font-weight: 700;
  color: #FFFFFF;
  line-height: 1.25;
  margin-bottom: 14px;
  letter-spacing: -0.01em;
}
.hero .subtitle {
  font-size: 1em;
  color: rgba(255,255,255,0.6);
  max-width: 520px;
  margin: 0 auto;
  line-height: 1.6;
}
.hero .meta {
  margin-top: 20px;
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
  font-size: 0.82em;
  color: rgba(255,255,255,0.45);
}
.hero .meta .dot {
  width: 3px; height: 3px;
  background: rgba(255,255,255,0.2);
  border-radius: 50%;
}
.hero .meta span { color: var(--gold); font-weight: 600; }
.hero .tag {
  display: inline-block;
  background: rgba(201,168,76,0.15);
  color: var(--gold);
  font-size: 0.76em;
  font-weight: 600;
  padding: 4px 14px;
  border-radius: 20px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin: 0 3px;
  border: 1px solid rgba(201,168,76,0.25);
}

/* ===== TRUST BAR ===== */
.trust-bar {
  max-width: var(--max-width);
  margin: -22px auto 0;
  padding: 0 24px;
  position: relative;
  z-index: 2;
}
.trust-bar-inner {
  display: flex;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
  padding: 20px 32px;
  background: white;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
}
.trust-item { text-align: center; }
.trust-item .num {
  font-size: 1.6em;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.02em;
  line-height: 1.2;
}
.trust-item .label {
  font-size: 0.78em;
  color: var(--text-muted);
  font-weight: 500;
  margin-top: 2px;
}

/* ===== ARTICLE ===== */
.article {
  max-width: var(--max-width);
  margin: 40px auto 60px;
  padding: 0 24px;
}
.article-card {
  background: white;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  padding: 48px 52px;
  border: 1px solid var(--border-light);
}

/* ===== TYPOGRAPHY ===== */
h2 {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: 1.6em;
  font-weight: 700;
  color: var(--navy);
  margin: 2.2em 0 0.7em;
  line-height: 1.3;
  letter-spacing: -0.01em;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--border-light);
  position: relative;
}
h2::after {
  content: '';
  position: absolute;
  bottom: -1px; left: 0;
  width: 36px; height: 2px;
  background: var(--gold);
  border-radius: 1px;
}
h3 {
  font-size: 1.12em;
  font-weight: 600;
  color: var(--navy);
  margin: 1.5em 0 0.5em;
}
h4 {
  font-size: 1em;
  font-weight: 600;
  color: var(--navy-light);
  margin: 1.2em 0 0.4em;
}
p {
  margin: 0.85em 0;
  color: var(--text-body);
  line-height: 1.85;
}
strong { color: var(--text); font-weight: 600; }
em { color: var(--navy-light); }

/* Links */
a {
  color: var(--navy-light);
  text-decoration: none;
  font-weight: 500;
  border-bottom: 1px solid transparent;
  transition: all 0.2s;
}
a:hover { color: var(--gold-hover); border-bottom-color: var(--gold); }

/* Lists */
ul, ol { margin: 1em 0 1.2em 0; padding-left: 0; list-style: none; }
li {
  margin: 0.55em 0;
  padding-left: 1.5em;
  position: relative;
  color: var(--text-body);
}
li::before {
  content: '';
  position: absolute;
  left: 0; top: 0.65em;
  width: 5px; height: 5px;
  background: var(--gold);
  border-radius: 50%;
}
ol { counter-reset: item; }
ol li::before {
  content: counter(item);
  background: none;
  color: var(--gold);
  font-weight: 700;
  font-size: 0.9em;
  width: auto; height: auto;
  border-radius: 0; top: 0.3em;
}
ol li { counter-increment: item; }

/* Blockquote */
blockquote {
  border-left: 3px solid var(--gold);
  background: var(--gold-soft);
  padding: 20px 24px;
  margin: 1.8em 0;
  border-radius: 0 var(--radius) var(--radius) 0;
  font-style: italic;
  color: var(--text);
  font-size: 0.97em;
}
blockquote p { margin: 0; }

/* Tables */
table {
  width: 100%;
  border-collapse: collapse;
  margin: 1.5em 0;
  font-size: 0.93em;
}
th {
  background: var(--navy);
  color: white;
  font-weight: 600;
  padding: 11px 16px;
  text-align: left;
  font-size: 0.82em;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
td {
  padding: 11px 16px;
  border-bottom: 1px solid var(--border-light);
  color: var(--text-body);
}
tr:hover td { background: var(--cream); }

/* ===== FAQ ===== */
.faq-section {
  margin-top: 3em;
  padding-top: 2.5em;
  border-top: 1px solid var(--border-light);
}
.faq-item {
  background: var(--cream);
  border: 1px solid var(--border-light);
  border-left: 3px solid var(--navy);
  border-radius: var(--radius);
  padding: 20px 24px;
  margin-bottom: 10px;
  transition: box-shadow 0.2s;
}
.faq-item:hover { box-shadow: var(--shadow); }
.faq-item h3 { margin: 0 0 8px; color: var(--navy); font-size: 1em; }
.faq-item p { margin: 0; }

/* ===== RELATED ===== */
.related {
  margin-top: 2.5em;
  padding: 22px;
  background: var(--cream);
  border: 1px solid var(--border-light);
  border-radius: var(--radius);
}
.related h3 { color: var(--navy); margin-bottom: 14px; font-size: 1em; }
.related a {
  display: inline-block;
  margin: 4px 6px 4px 0;
  padding: 6px 16px;
  background: white;
  border: 1px solid var(--border);
  border-radius: 8px;
  font-size: 0.84em;
  font-weight: 500;
  color: var(--text-body);
  transition: all 0.2s;
  border-bottom: none;
}
.related a:hover {
  border-color: var(--navy);
  color: var(--navy);
  background: white;
}

/* ===== CTA — Navy block with red button ===== */
.cta-block {
  margin-top: 2.5em;
  padding: 36px;
  background: var(--navy);
  border-radius: var(--radius-lg);
  text-align: center;
  color: white;
}
.cta-block h3 {
  color: white;
  font-family: 'Playfair Display', serif;
  margin-bottom: 8px;
  font-size: 1.3em;
}
.cta-block p {
  color: rgba(255,255,255,0.6);
  margin-bottom: 20px;
  font-size: 0.95em;
}
.cta-block .cta-btn {
  display: inline-block;
  background: var(--red-cta);
  color: white;
  padding: 13px 36px;
  border-radius: 8px;
  font-weight: 600;
  font-size: 0.95em;
  text-decoration: none;
  border: none;
  transition: all 0.2s;
}
.cta-block .cta-btn:hover {
  background: var(--red-cta-hover);
  transform: translateY(-2px);
  box-shadow: 0 6px 24px rgba(196,30,58,0.35);
  border-bottom: none;
  color: white;
}

/* Back to top */
.back-top {
  position: fixed; bottom: 28px; right: 28px;
  width: 44px; height: 44px;
  background: var(--navy);
  color: var(--gold);
  border: none;
  border-radius: 12px;
  font-size: 1.1em; cursor: pointer;
  box-shadow: var(--shadow-md);
  opacity: 0; transition: opacity 0.3s, transform 0.2s;
  z-index: 100; line-height: 42px; text-align: center;
}
.back-top.show { opacity: 1; }
.back-top:hover { transform: translateY(-2px); box-shadow: var(--shadow-lg); }

/* Progress bar */
.progress-bar {
  position: fixed; top: 0; left: 0; height: 2px;
  background: linear-gradient(90deg, var(--navy), var(--gold));
  z-index: 1000; transition: width 0.1s;
}

/* Footer */
.page-footer {
  text-align: center; padding: 32px;
  color: var(--text-muted); font-size: 0.82em;
  border-top: 1px solid var(--border-light);
}
.page-footer a { color: var(--navy-light); font-weight: 500; }

/* Responsive */
@media (max-width: 640px) {
  .hero { padding: 40px 20px 36px; }
  .hero h1 { font-size: 1.6em; }
  .article-card { padding: 28px 22px; }
  .trust-bar-inner { gap: 24px; padding: 16px 20px; }
  .trust-item .num { font-size: 1.3em; }
  h2 { font-size: 1.35em; }
  body { font-size: 16px; }
  .cta-block { padding: 28px 22px; }
}