:root {
  --primary: #0b567d;
  --primary-dark: #083f5d;
  --secondary: #f4f7fa;
  --accent: #b88a12;
  --text: #1f2a36;
  --muted: #5d6b78;
  --border: #d8e0e8;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  font-family: "Segoe UI", -apple-system, BlinkMacSystemFont, Roboto, "Helvetica Neue", Arial, sans-serif;
  font-size: 16px;
  color: var(--text);
  background: #ffffff;
}

body {
  margin: 0;
  display: flex;
  min-height: 100vh;
  flex-direction: column;
  background: var(--secondary);
}

header {
  background: #ffffff;
  border-bottom: 1px solid var(--border);
  box-shadow: 0 2px 6px rgba(15, 23, 42, 0.04);
}

.inner {
  max-width: 1080px;
  margin: 0 auto;
  padding: 0 24px;
}

.hero {
  padding: 48px 0 36px;
}

.hero p {
  color: var(--muted);
  margin: 6px 0 0;
}

nav {
  background: #ffffff;
}

nav ul {
  display: flex;
  gap: 18px;
  list-style: none;
  margin: 0;
  padding: 12px 24px 16px;
  justify-content: center;
  flex-wrap: wrap;
}

nav a {
  color: var(--primary-dark);
  text-decoration: none;
  font-weight: 600;
}

nav a:hover,
nav a:focus {
  color: var(--accent);
}

main {
  flex: 1;
  padding: 32px 0 48px;
}

main .inner > h1,
main .inner > h2 {
  margin-top: 0;
}

section {
  margin-bottom: 32px;
}

section h2,
section h3 {
  color: var(--primary-dark);
  margin-bottom: 12px;
}

p {
  line-height: 1.6;
  margin: 0 0 16px;
}

ul,
ol {
  margin: 0 0 16px 24px;
  line-height: 1.6;
}

blockquote {
  margin: 24px 0;
  padding: 16px 24px;
  border-left: 4px solid var(--primary);
  background: #fff;
  color: var(--primary-dark);
  font-style: italic;
}

.cta-group {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.cta {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 22px;
  border-radius: 6px;
  font-weight: 600;
  text-decoration: none;
  color: #ffffff;
  background: var(--primary);
}

.cta.secondary {
  background: transparent;
  color: var(--primary);
  border: 1px solid var(--primary);
}

.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 20px;
}

.card {
  padding: 20px 24px;
  background: #ffffff;
  border-radius: 8px;
  border: 1px solid var(--border);
  box-shadow: 0 1px 4px rgba(15, 23, 42, 0.05);
}

.contact-form {
  display: grid;
  gap: 12px;
}

.contact-form label {
  font-weight: 600;
  color: var(--primary-dark);
}

.contact-form input,
.contact-form select,
.contact-form textarea {
  padding: 10px 12px;
  border-radius: 5px;
  border: 1px solid var(--border);
  font-size: 1rem;
}

.contact-form button {
  padding: 12px 18px;
  border: none;
  border-radius: 6px;
  background: var(--primary);
  color: #ffffff;
  font-weight: 600;
  cursor: pointer;
}

.contact-form button:hover {
  background: var(--primary-dark);
}

footer {
  background: #14202b;
  color: #e9eef3;
  padding: 32px 0;
}

footer a {
  color: #f6c453;
  text-decoration: none;
}

footer ul {
  list-style: none;
  padding: 0;
  margin: 16px 0 0;
  display: flex;
  gap: 18px;
  flex-wrap: wrap;
}

address {
  font-style: normal;
  line-height: 1.6;
}

.meta {
  margin: 12px 0;
  font-size: 0.95rem;
  color: var(--muted);
}

.glossary dt {
  font-weight: 600;
  margin-top: 12px;
}

.glossary dd {
  margin: 4px 0 12px 0;
}

.insight {
  padding: 20px;
  border: 1px solid var(--border);
  border-radius: 8px;
  background: #ffffff;
  margin-bottom: 18px;
}

.insight time {
  font-size: 0.9rem;
  color: var(--muted);
}

.checklist {
  background: #ffffff;
  border-radius: 8px;
  border: 1px solid var(--border);
  padding: 20px 24px;
}

.checklist ol {
  margin-left: 18px;
}

.btn-muted {
  color: var(--primary-dark);
  font-weight: 600;
}

@media (max-width: 640px) {
  nav ul {
    justify-content: flex-start;
  }

  .hero {
    padding: 36px 0;
  }
}