:root {
  --blue-900: #123047;
  --blue-700: #0d5d9b;
  --blue-500: #208dc5;
  --teal-500: #2cb1a6;
  --ink: #1c2b36;
  --muted: #5f7180;
  --line: #dce8ef;
  --soft: #f4f8fb;
  --white: #ffffff;
  --accent: #f3b23f;
  --shadow: 0 18px 45px rgba(18, 48, 71, .10);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  font-family: Arial, Helvetica, sans-serif;
  font-size: 16px;
  line-height: 1.65;
  background: var(--white);
}

img, svg { max-width: 100%; height: auto; }
a { color: var(--blue-700); text-decoration: none; }
a:hover { text-decoration: underline; }

.container {
  width: min(1120px, calc(100% - 32px));
  margin: 0 auto;
}

.skip-link {
  position: absolute;
  left: -999px;
  top: 12px;
  z-index: 20;
  padding: 10px 14px;
  background: var(--blue-900);
  color: var(--white);
}
.skip-link:focus { left: 12px; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(255,255,255,.96);
  border-bottom: 1px solid var(--line);
  backdrop-filter: blur(12px);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 76px;
  gap: 24px;
}
.logo {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--blue-900);
  font-size: 1.3rem;
  font-weight: 800;
}
.logo:hover { text-decoration: none; }
.logo-mark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 44px;
  height: 32px;
  border-radius: 6px;
  color: var(--white);
  background: var(--blue-700);
  font-size: .9rem;
  letter-spacing: 0;
}
.main-nav {
  display: flex;
  align-items: center;
  gap: 50px;
  font-size: .95rem;
  font-weight: 700;
}
.main-nav a { color: var(--blue-900); }
.nav-item { position: relative; }
.submenu-toggle {
  display: inline-flex;
  align-items: center;
  min-height: 40px;
  padding: 0;
  border: 0;
  color: var(--blue-900);
  background: transparent;
  font: inherit;
  font-weight: 700;
  cursor: pointer;
}
.submenu-toggle::after {
  content: "";
  display: inline-block;
  width: 7px;
  height: 7px;
  margin-left: 7px;
  border-right: 2px solid currentColor;
  border-bottom: 2px solid currentColor;
  transform: rotate(45deg) translateY(-2px);
}
.submenu {
  position: absolute;
  top: 100%;
  left: 0;
  display: none;
  min-width: 280px;
  padding: 12px 10px 10px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: var(--shadow);
}
.submenu::before {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  top: -10px;
  height: 10px;
}
.has-submenu:hover .submenu,
.has-submenu:focus-within .submenu,
.has-submenu.is-open .submenu {
  display: grid;
  gap: 2px;
}
.submenu a {
  display: block;
  padding: 9px 10px;
  border-radius: 6px;
  line-height: 1.3;
}
.submenu a:hover {
  background: var(--soft);
  text-decoration: none;
}
.nav-cta {
  padding: 10px 14px;
  border-radius: 6px;
  color: var(--white) !important;
  background: var(--blue-700);
}
.nav-toggle {
  display: none;
  width: 42px;
  height: 42px;
  border: 1px solid var(--line);
  border-radius: 6px;
  background: var(--white);
}
.nav-toggle span {
  display: block;
  width: 20px;
  height: 2px;
  margin: 5px auto;
  background: var(--blue-900);
}

.hero {
  padding: 72px 0 54px;
  background:
    linear-gradient(120deg, rgba(244,248,251,.96), rgba(255,255,255,.88)),
    url('/assets/img/placeholder.svg') center/cover no-repeat;
  border-bottom: 1px solid var(--line);
}
.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(280px, .8fr);
  gap: 48px;
  align-items: center;
}
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin: 0 0 14px;
  color: var(--blue-700);
  font-size: .84rem;
  font-weight: 800;
  text-transform: uppercase;
}
h1, h2, h3 {
  color: var(--blue-900);
  line-height: 1.15;
  margin: 0 0 16px;
}
h1 { font-size: clamp(2.2rem, 5vw, 3.7rem); max-width: 920px; }
h2 { font-size: clamp(1.65rem, 3vw, 2.45rem); }
h3 { font-size: 1.18rem; }
p { margin: 0 0 16px; }
.lead {
  color: var(--muted);
  font-size: 1.18rem;
  max-width: 760px;
}
.hero-panel {
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: rgba(255,255,255,.92);
  box-shadow: var(--shadow);
}
.hero-panel ul, .check-list {
  padding: 0;
  margin: 0;
  list-style: none;
}
.hero-panel li, .check-list li {
  position: relative;
  padding-left: 28px;
  margin: 12px 0;
}
.hero-panel li::before, .check-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: .62em;
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: var(--teal-500);
}
.actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  padding: 12px 18px;
  border: 1px solid transparent;
  border-radius: 6px;
  font-weight: 800;
}
.button.primary { color: var(--white); background: var(--blue-700); }
.button.secondary { color: var(--blue-900); background: var(--white); border-color: var(--line); }
.button:hover { text-decoration: none; transform: translateY(-1px); }

.section { padding: 72px 0; }
.section.soft { background: var(--soft); }
.section-header { max-width: 780px; margin-bottom: 34px; }
.grid-3, .grid-2 {
  display: grid;
  gap: 22px;
}
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.normative-reference-grid { grid-template-columns: minmax(0, 8fr) minmax(280px, 4fr); }
.card {
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 8px 24px rgba(18, 48, 71, .05);
}
.card .tag, .tag {
  display: inline-flex;
  margin-bottom: 12px;
  padding: 4px 9px;
  border-radius: 5px;
  color: var(--blue-900);
  background: #e8f3f8;
  font-size: .78rem;
  font-weight: 800;
}
.blog-list .card h2 {
  color: #437eaa;
  font-size: 1.9rem;
}
.flow {
  counter-reset: step;
  display: grid;
  gap: 18px;
}
.flow-item {
  counter-increment: step;
  display: grid;
  grid-template-columns: 52px 1fr;
  gap: 16px;
  align-items: start;
}
.flow-item::before {
  content: counter(step);
  display: grid;
  place-items: center;
  width: 44px;
  height: 44px;
  border-radius: 8px;
  color: var(--white);
  background: var(--blue-700);
  font-weight: 800;
}
.flow-title {
  margin-bottom: 0;
  padding-bottom: 0;
}
.cta-band {
  padding: 44px 0;
  color: var(--white);
  background: var(--blue-900);
}
.cta-band h2, .cta-band p { color: var(--white); }
.cta-band h2 { font-size: 1.8rem; }
.cta-band .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
}
.cta-band .button { background: var(--muted); color: var(--soft); }

.article {
  width: min(1120px, calc(100% - 32px));
  max-width: 1120px;
  margin: 0 auto;
}
.article h2 { margin-top: 34px; }
.article-date {
  color: var(--muted);
  font-weight: 800;
}
.article-tags {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-top: 28px;
}
.source-link {
  display: inline-block;
  color: #ffffff;
  text-decoration: none;
  background-color: #0d5d9b;
  padding: 15px;
  border-radius: 8px;
}
.source-link:hover {
  color: #ffffff;
  text-decoration: none;
}

.faq-list {
  display: grid;
  gap: 12px;
}
.faq-item {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 8px 24px rgba(18, 48, 71, .04);
}
.faq-item summary {
  cursor: pointer;
  padding: 18px 20px;
  color: var(--blue-900);
  font-weight: 800;
}
.faq-item p {
  margin: 0;
  padding: 0 20px 18px;
  color: var(--muted);
}

.contact-layout {
  display: grid;
  grid-template-columns: minmax(0, .8fr) minmax(320px, 1.2fr);
  gap: 36px;
  align-items: start;
}
.form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}
.form-field.full { grid-column: 1 / -1; }
label {
  display: block;
  margin-bottom: 6px;
  color: var(--blue-900);
  font-weight: 800;
}
input, select, textarea {
  width: 100%;
  min-height: 46px;
  padding: 11px 12px;
  border: 1px solid #cddbe4;
  border-radius: 6px;
  font: inherit;
  color: var(--ink);
  background: var(--white);
}
textarea { min-height: 150px; resize: vertical; }
.field-error { border-color: #b42318; }
.privacy-consent {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin: 18px 0 0;
  color: var(--ink);
  font-weight: 400;
}
.privacy-consent input {
  flex: 0 0 auto;
  width: 18px;
  height: 18px;
  min-height: 18px;
  padding: 0;
  margin-top: 6px;
  border-radius: 3px;
}
.honeypot {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}
.notice {
  padding: 14px 16px;
  margin-bottom: 18px;
  border-radius: 6px;
  font-weight: 700;
}
.notice.success { color: #095c3c; background: #e7f7ef; }
.notice.error { color: #8a1f16; background: #fdeceb; }

.site-footer {
  padding: 54px 0 28px;
  color: #d8e6ee;
  background: #0f2638;
}
.site-footer a { color: #ffffff; }
.site-footer h2 {
  color: #ffffff;
  font-size: 1rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr;
  gap: 34px;
}
.footer-grid ul {
  padding: 0;
  margin: 0;
  list-style: none;
}
.footer-grid li { margin-bottom: 8px; }
.footer-logo { color: #ffffff; margin-bottom: 12px; }
.footer-disclaimer {
  margin-top: 34px;
  padding-top: 22px;
  border-top: 1px solid rgba(255,255,255,.18);
  font-size: .9rem;
}

@media (max-width: 900px) {
  .nav-toggle { display: block; }
  .main-nav {
    position: absolute;
    top: 76px;
    left: 0;
    right: 0;
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 12px 16px 18px;
    background: var(--white);
    border-bottom: 1px solid var(--line);
  }
  .main-nav.is-open { display: flex; }
  .main-nav a { padding: 11px 0; }
  .nav-item { width: 100%; }
  .submenu-toggle {
    width: 100%;
    justify-content: space-between;
    text-align: left;
    padding: 11px 0;
  }
  .submenu {
    position: static;
    display: none;
    min-width: 0;
    margin: 0 0 8px;
    padding: 6px 10px;
    box-shadow: none;
  }
  .submenu::before { display: none; }
  .submenu a { padding: 9px 8px; }
  .nav-cta { text-align: center; padding: 11px 14px !important; }
  .hero-grid, .contact-layout, .grid-2, .grid-3, .footer-grid {
    grid-template-columns: 1fr;
  }
  .cta-band .container {
    align-items: flex-start;
    flex-direction: column;
  }
}

@media (max-width: 620px) {
  .container { width: min(100% - 24px, 1120px); }
  .article { width: min(100% - 24px, 1120px); }
  .hero { padding: 48px 0 38px; }
  .section { padding: 50px 0; }
  .form-grid { grid-template-columns: 1fr; }
  .hero-panel { padding: 18px; }
}