*, *::before, *::after { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
	font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
	color: #1a1a1a;
	background: #fafaf7;
	line-height: 1.6;
	min-height: 100vh;
	display: flex;
	flex-direction: column;
}
a { color: #0a5d9e; }
a:hover { color: #083f6b; }

header {
	border-bottom: 1px solid #e5e5e0;
	background: #fff;
}
.nav {
	max-width: 1100px;
	margin: 0 auto;
	padding: 1rem 1.5rem;
	display: flex;
	align-items: center;
	justify-content: space-between;
}
.brand {
	font-family: "Montserrat", -apple-system, BlinkMacSystemFont, sans-serif;
	font-weight: 500;
	font-size: 1.25rem;
	color: #1a1a1a;
	text-decoration: none;
	letter-spacing: -0.005em;
	line-height: 1;
}
.brand span { color: #0a2d52; font-weight: 600; }
.nav-actions a {
	text-decoration: none;
	padding: 0.5rem 1rem;
	border-radius: 6px;
	font-weight: 500;
	font-size: 0.95rem;
}
.nav-actions .login {
	color: #0a5d9e;
	border: 1px solid #0a5d9e;
}
.nav-actions .login:hover {
	background: #0a5d9e;
	color: #fff;
}

main { flex: 1; }
.container {
	max-width: 1100px;
	margin: 0 auto;
	padding: 3rem 1.5rem;
}
.hero {
	text-align: center;
	margin-bottom: 3rem;
}
.logo-lockup {
	display: flex;
	align-items: center;
	justify-content: center;
	gap: 1.25rem;
	margin-bottom: 1.5rem;
}
.logo-mark {
	width: 110px;
	height: auto;
	flex-shrink: 0;
}
.logo-text {
	text-align: left;
	line-height: 1;
}
.hero h1 {
	font-family: "Montserrat", -apple-system, BlinkMacSystemFont, sans-serif;
	font-weight: 800;
	font-size: 3rem;
	margin: 0 0 0.25rem;
	letter-spacing: -0.02em;
	line-height: 1;
	color: #0a2d52;
}
.hero h1 span { color: #0a2d52; }
.hero .slogan {
	font-family: "Montserrat", -apple-system, BlinkMacSystemFont, sans-serif;
	font-weight: 500;
	font-size: 1.15rem;
	color: #0a2d52;
	margin: 0;
	letter-spacing: 0.01em;
}
.hero .tagline {
	font-size: 1.15rem;
	color: #555;
	margin: 0 auto;
	max-width: 36rem;
}
@media (max-width: 600px) {
	.logo-lockup { gap: 0.9rem; }
	.logo-mark { width: 72px; }
	.hero h1 { font-size: 2rem; }
	.hero .slogan { font-size: 0.9rem; }
}

.cards {
	display: grid;
	grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
	gap: 1.5rem;
	max-width: 720px;
	margin: 0 auto;
}
.card {
	background: #fff;
	border: 1px solid #e5e5e0;
	border-radius: 12px;
	padding: 1.75rem;
	text-decoration: none;
	color: inherit;
	transition: transform 0.15s ease, box-shadow 0.15s ease, border-color 0.15s ease;
	display: block;
}
.card:hover {
	transform: translateY(-2px);
	box-shadow: 0 8px 24px rgba(0,0,0,0.06);
	border-color: #0a5d9e;
}
.card h2 {
	margin: 0 0 0.5rem;
	font-size: 1.35rem;
	letter-spacing: -0.01em;
}
.card p {
	margin: 0;
	color: #555;
	font-size: 0.95rem;
}
.card .arrow {
	display: inline-block;
	margin-top: 1rem;
	color: #0a5d9e;
	font-weight: 500;
}
.card.disabled {
	opacity: 0.55;
	cursor: not-allowed;
	pointer-events: none;
}
.card.disabled:hover {
	transform: none;
	box-shadow: none;
	border-color: #e5e5e0;
}
.badge {
	display: inline-block;
	background: #e8e8e2;
	color: #555;
	font-size: 0.75rem;
	font-weight: 600;
	padding: 0.2rem 0.6rem;
	border-radius: 999px;
	margin-top: 1rem;
	text-transform: uppercase;
	letter-spacing: 0.05em;
}

footer {
	border-top: 1px solid #e5e5e0;
	background: #fff;
	padding: 1.5rem;
	text-align: center;
	color: #777;
	font-size: 0.875rem;
}
footer a { color: #555; margin: 0 0.5rem; text-decoration: none; }
footer a:hover { color: #0a5d9e; text-decoration: underline; }

/* Policy pages */
article.policy {
	max-width: 780px;
	margin: 0 auto;
	padding: 3rem 1.5rem;
}
article.policy h1 {
	font-size: 2rem;
	margin: 0 0 0.5rem;
	letter-spacing: -0.02em;
}
article.policy .updated {
	color: #777;
	font-size: 0.9rem;
	margin-bottom: 2rem;
}
article.policy h2 {
	font-size: 1.25rem;
	margin: 2rem 0 0.75rem;
	letter-spacing: -0.01em;
}
article.policy p, article.policy li { color: #2a2a2a; }
article.policy ul { padding-left: 1.25rem; }