:root {
  --ink: #102027;
  --navy: #12335d;
  --blue: #1c5d99;
  --teal: #147a83;
  --gold: #c99a2e;
  --mint: #e9f6f4;
  --paper: #fbfcfd;
  --line: #dbe5eb;
  --muted: #60717c;
  --shadow: 0 18px 48px rgba(16, 32, 39, .12);
}

* {
  letter-spacing: 0;
}

body {
  color: var(--ink);
  background: var(--paper);
  font-family: Inter, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
}

a {
  color: var(--blue);
  text-decoration: none;
}

.top-strip {
  background: var(--navy);
  color: #fff;
  font-size: .92rem;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 1030;
  background: rgba(255, 255, 255, .9);
  backdrop-filter: blur(10px);
  transition: background .2s ease, box-shadow .2s ease;
}

.site-header.is-scrolled {
  background: rgba(255, 255, 255, .96);
  box-shadow: 0 12px 36px rgba(16, 32, 39, .1);
  backdrop-filter: blur(12px);
}

.brand-mark {
  width: 42px;
  height: 42px;
  display: grid;
  place-items: center;
  border-radius: 8px;
  color: #fff;
  background: linear-gradient(135deg, var(--blue), var(--teal));
  font-weight: 800;
}

.nav-link {
  color: var(--ink);
  font-weight: 650;
}

.nav-link.active {
  color: var(--teal);
}

.btn-primary {
  --bs-btn-bg: var(--blue);
  --bs-btn-border-color: var(--blue);
  --bs-btn-hover-bg: #164f83;
  --bs-btn-hover-border-color: #164f83;
}

.btn-warning {
  --bs-btn-bg: var(--gold);
  --bs-btn-border-color: var(--gold);
  --bs-btn-color: #17212b;
  --bs-btn-hover-bg: #b68923;
  --bs-btn-hover-border-color: #b68923;
}

.hero {
  min-height: 86vh;
  display: grid;
  align-items: end;
  padding: 11rem 0 4.5rem;
  color: #fff;
  background:
    linear-gradient(90deg, rgba(13, 38, 68, .93), rgba(20, 122, 131, .62) 55%, rgba(13, 38, 68, .2)),
    url("https://images.unsplash.com/photo-1560518883-ce09059eeffa?auto=format&fit=crop&w=1800&q=82&fm=webp") center/cover;
}

.hero h1 {
  max-width: 860px;
  font-size: clamp(2.5rem, 6vw, 5.6rem);
  line-height: .97;
  font-weight: 850;
}

.hero-copy {
  max-width: 720px;
  color: rgba(255, 255, 255, .9);
  font-size: clamp(1.06rem, 2vw, 1.28rem);
}

.hero-rate-teaser {
  max-width: 760px;
  padding: .9rem 1rem;
  border: 1px solid rgba(255, 255, 255, .25);
  border-radius: 8px;
  background: rgba(255, 255, 255, .12);
  backdrop-filter: blur(10px);
}

.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: .65rem;
  margin: 1.6rem 0;
}

.trust-pill {
  border: 1px solid rgba(255, 255, 255, .28);
  background: rgba(255, 255, 255, .12);
  backdrop-filter: blur(10px);
  border-radius: 999px;
  padding: .55rem .8rem;
  font-size: .92rem;
  font-weight: 700;
}

.section-pad {
  padding: 5rem 0;
}

.eyebrow {
  color: var(--teal);
  text-transform: uppercase;
  font-size: .8rem;
  font-weight: 800;
}

.section-title {
  font-size: clamp(2rem, 4vw, 30px);
  line-height: 1.5;
  font-weight: 700;
}

.narrow-copy {
  max-width: 720px;
}

.muted {
  color: var(--muted);
}

.feature-panel {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 1.35rem;
  height: 100%;
  box-shadow: 0 8px 24px rgba(16, 32, 39, .06);
}

.program-card {
  position: relative;
  overflow: hidden;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 1.4rem;
  height: 100%;
  transition: transform .16s ease, box-shadow .16s ease;
}

.program-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow);
}

.program-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto;
  height: 4px;
  background: linear-gradient(90deg, var(--gold), var(--teal));
}

.alt-band {
  background:
    linear-gradient(135deg, rgba(233, 246, 244, .94), rgba(255, 255, 255, .94)),
    url("https://images.unsplash.com/photo-1600585154340-be6161a56a0c?auto=format&fit=crop&w=1600&q=80&fm=webp") center/cover;
}

.dark-band {
  background: linear-gradient(135deg, #0f263d, #12335d 52%, #147a83);
  color: #fff;
}

.dark-band .muted {
  color: rgba(255, 255, 255, .74);
}

.calc-shell {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 1.35rem;
  box-shadow: var(--shadow);
}

.result-box {
  background: var(--mint);
  border: 1px solid #cfe5e2;
  border-radius: 8px;
  padding: 1rem;
}

.link-grid a {
  display: block;
  padding: .75rem 0;
  border-bottom: 1px solid rgba(219, 229, 235, .8);
  text-decoration: none;
  font-weight: 700;
}

.review-card {
  background: rgba(255, 255, 255, .1);
  border: 1px solid rgba(255, 255, 255, .18);
  border-radius: 8px;
  padding: 1.25rem;
  height: 100%;
}

.site-footer {
  background: #0d1d2b;
  color: rgba(255, 255, 255, .78);
}

.site-footer a {
  color: rgba(255, 255, 255, .86);
  text-decoration: none;
}

.sticky-mobile-cta {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  z-index: 1040;
  display: none;
  background: #fff;
  border-top: 1px solid var(--line);
  padding: .65rem;
  box-shadow: 0 -12px 34px rgba(16, 32, 39, .13);
}

.page-hero {
  padding: 10rem 0 4rem;
  background: linear-gradient(135deg, var(--navy), var(--teal));
  color: #fff;
}

.blog-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 1.25rem;
  min-height: 100%;
}

.article-wrap {
  max-width: 920px;
}

.article-wrap h2,
.article-wrap h3 {
  margin-top: 2rem;
}

.toc-box,
.article-cta {
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
  padding: 1.25rem;
  margin: 1.5rem 0;
  box-shadow: 0 8px 24px rgba(16, 32, 39, .05);
}

.article-cta {
  background: var(--mint);
}

.columns-list {
  columns: 2;
}

@media (max-width: 991.98px) {
  .hero {
    min-height: auto;
    padding: 8.5rem 0 3.5rem;
  }

  .section-pad {
    padding: 3.75rem 0;
  }
}

@media (max-width: 767.98px) {
  body {
    padding-bottom: 76px;
  }

  .sticky-mobile-cta {
    display: block;
  }

  .top-strip .container {
    justify-content: center !important;
  }
}