:root{
  --navy:#0b2d4f;
  --navy2:#0a2440;
  --sky:#eaf3ff;
  --blue:#1f6fbe;
  --gold:#f3c969;
  --text:#0b1b2a;
  --text-600:#274255;
  --muted:#5a6f82;
  --line:#d7e3ef;
  --radius:16px;
  --shadow:0 12px 28px rgba(0,0,0,.10);
  --max:1120px;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--text);line-height:1.55;background:#fff}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}

.container{max-width:var(--max);margin:0 auto;padding:0 18px}

/* NAV */
.navbar{
  background:linear-gradient(180deg,var(--navy),var(--navy2));
  color:#fff;
  border-bottom:1px solid rgba(255,255,255,.12);
}
.navbar .container{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:16px;
  padding:14px 18px;
}
.brand{
  display:flex;
  align-items:center;
  gap:12px;
  color:#fff;
  font-weight:900;
}
.brand img{
  width:56px;height:56px;
  border-radius:14px;
  background:#fff;
  box-shadow:0 10px 18px rgba(0,0,0,.25);
}
.brand .big{font-size:18px;line-height:1.1}
.brand .small{font-size:12px;opacity:.9}

.navlinks{
  display:flex;
  gap:14px;
  flex-wrap:wrap;
  align-items:center;
  justify-content:flex-end;
}
.navlinks a{color:#fff;font-weight:800;opacity:.95}
.navlinks a:hover{opacity:1;text-decoration:none}
.navlinks .cta{
  background:var(--gold);
  color:#1b1606;
  padding:10px 14px;
  border-radius:12px;
  font-weight:1000;
}

/* HERO */
.hero{
  background:linear-gradient(180deg,var(--sky),#fff);
  padding:26px 0 10px;
  border-bottom:1px solid var(--line);
}
.hero-grid{
  display:grid;
  grid-template-columns:1.12fr .88fr;
  gap:22px;
  align-items:start;
}
.kicker{
  font-size:13px;
  letter-spacing:.06em;
  text-transform:uppercase;
  color:var(--navy);
  font-weight:900;
}
.hero h1{
  margin:10px 0;
  font-size:44px;
  line-height:1.08;
}
.hero p.lede{
  margin:0 0 12px;
  color:var(--text-600);
  font-size:16px;
}
.checks{margin:12px 0 0;padding:0;list-style:none;display:grid;gap:8px}
.checks li{display:flex;gap:10px;align-items:flex-start}
.checkdot{width:18px;height:18px;border-radius:999px;background:var(--gold);margin-top:3px;flex:0 0 auto;border:1px solid rgba(0,0,0,.08)}
.checks b{display:block}

.hero-visual{
  position:relative;
  border-radius:var(--radius);
  overflow:hidden;
  box-shadow:var(--shadow);
  min-height:760px;
  border:1px solid var(--line);
  background:#cbd6e2;
}
.hero-visual .photo{
  position:absolute;inset:0;
  background:#cbd6e2 url('../img/hero.jpg') center/cover no-repeat;
}
.hero-visual .overlay{
  position:absolute;inset:0;
  background:linear-gradient(90deg,rgba(255,255,255,.92) 0%,rgba(255,255,255,.80) 45%,rgba(255,255,255,0) 70%);
}

/* Quote card */
.quote-card{
  position:absolute;
  left:18px; top:18px;
  width:min(400px, calc(100% - 36px));
  background:rgba(255,255,255,.98);
  border:1px solid var(--line);
  border-radius:18px;
  box-shadow:0 16px 24px rgba(0,0,0,.10);
  padding:18px;
}
.quote-card h3{margin:0 0 6px;color:var(--navy);font-size:20px}
.quote-card .sub{margin:0 0 10px;color:var(--muted);font-size:13px}

label{display:block;font-size:12px;font-weight:900;color:var(--navy);margin:8px 0 6px}
.input,.select,.textarea{
  width:100%;
  padding:11px 12px;
  border:1px solid var(--line);
  border-radius:12px;
  font-size:14px;
  outline:none;
  background:#fff;
}
.textarea{min-height:88px;resize:vertical}
.fineprint{font-size:11px;color:var(--muted);margin-top:8px}

/* Buttons */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  border:0;
  border-radius:12px;
  padding:11px 14px;
  font-weight:900;
  cursor:pointer;
  text-decoration:none !important;
}
.btn-primary{background:var(--blue);color:#fff}
.btn-primary:hover{filter:brightness(.95)}

/* Authority strip */
.authority{
  background:linear-gradient(180deg,var(--navy),var(--navy2));
  color:#fff;
  padding:14px 0;
  margin-top:18px;
  border-top:1px solid rgba(255,255,255,.12);
}
.authority .container{
  display:flex;
  gap:18px;
  flex-wrap:wrap;
  justify-content:space-between;
  align-items:center;
}
.authority .item{
  display:flex;
  gap:10px;
  align-items:center;
  font-weight:900;
  opacity:.98;
}
.badge{
  width:34px;height:34px;
  border-radius:12px;
  background:rgba(255,255,255,.12);
  border:1px solid rgba(255,255,255,.16);
  display:flex;align-items:center;justify-content:center;
}

/* Sections (generic) */
.section{padding:34px 0}
.section h2{margin:0 0 8px;font-size:28px;line-height:1.15}
.section p{margin:0 0 10px;color:var(--text-600)}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.card{
  border:1px solid var(--line);
  border-radius:18px;
  padding:18px;
  box-shadow:0 10px 22px rgba(0,0,0,.06);
  background:#fff;
}
.card h3{margin:0 0 6px;color:var(--navy)}
.card .muted{color:var(--muted);font-size:14px}

/* Disclaimers */
.academic-disclaimer{
  margin:18px auto 0;
  max-width:var(--max);
  padding:12px 14px;
  border:1px solid var(--line);
  background:#fff7e3;
  border-radius:14px;
  color:#3b2d10;
  font-size:13px;
}

/* Footer */
.footer{
  background:#081e33;
  color:#dfe9f3;
  padding:28px 0;
  margin-top:34px;
}
.footer a{color:#dfe9f3;text-decoration:underline}
.footer .grid{
  display:grid;
  grid-template-columns:1.2fr .8fr .8fr;
  gap:18px;
}
.footer h4{margin:0 0 10px}
.footer p{margin:0;color:#c7d6e6}
.footer .small{font-size:12px;color:#b7c9dc;margin-top:14px}

/* Responsive */
@media(max-width:920px){
  .hero-grid{grid-template-columns:1fr}
  .hero h1{font-size:36px}
  .hero-visual{min-height:520px}
}
@media(max-width:560px){
  .navbar .container{flex-direction:column;align-items:flex-start}
  .navlinks{justify-content:flex-start}
    .hero-visual{min-height:860px}
    .quote-card{
    left:12px; top:12px;
    width:calc(100% - 24px);
        left:12px; top:12px;
    width:calc(100% - 24px);
  }
  .footer .grid{grid-template-columns:1fr}
  .grid-2{grid-template-columns:1fr}
}