:root {
  --red: #B22234;
  --blue: #3C3B6E;
  --white: #FFFFFF;
  --light-gray: #f5f5f5;
  --dark-gray: #333;
}
* { box-sizing: border-box; margin: 0; padding: 0; }
body { font-family: Georgia, serif; color: var(--dark-gray); line-height: 1.75; font-size: 17px; }

nav { background: var(--blue); position: sticky; top: 0; z-index: 100; box-shadow: 0 2px 8px rgba(0,0,0,0.3); }
.nav-container { max-width: 1100px; margin: 0 auto; display: flex; align-items: center; justify-content: space-between; padding: 0 1.5rem; }
.nav-logo { color: var(--white); font-size: 1.2rem; font-weight: bold; text-decoration: none; padding: 1rem 0; }
.nav-links { display: flex; list-style: none; }
.nav-links a { color: rgba(255,255,255,0.85); text-decoration: none; padding: 1rem 0.9rem; display: block; font-size: 0.88rem; font-family: Arial, sans-serif; transition: background 0.2s; }
.nav-links a:hover, .nav-links a.active { background: var(--red); color: var(--white); }

.hero { background: linear-gradient(150deg, var(--blue) 0%, #1a1960 100%); color: var(--white); text-align: center; padding: 5rem 1.5rem 4rem; }
.hero h1 { font-size: 2.9rem; margin-bottom: 1rem; text-shadow: 2px 2px 4px rgba(0,0,0,0.4); line-height: 1.2; }
.hero p { font-size: 1.15rem; max-width: 700px; margin: 0 auto 2rem; opacity: 0.9; }
.hero-badges { display: flex; justify-content: center; gap: 1rem; flex-wrap: wrap; margin-bottom: 2rem; }
.hero-badge { background: rgba(255,255,255,0.15); border: 1px solid rgba(255,255,255,0.3); padding: 0.4rem 1rem; border-radius: 50px; font-family: Arial, sans-serif; font-size: 0.85rem; }

.btn { display: inline-block; background: var(--red); color: var(--white); padding: 0.85rem 2rem; border-radius: 4px; text-decoration: none; font-family: Arial, sans-serif; font-weight: bold; font-size: 0.95rem; transition: background 0.2s, transform 0.1s; margin: 0.3rem; }
.btn:hover { background: #8B0000; transform: translateY(-1px); }
.btn-outline { background: transparent; border: 2px solid var(--white); }
.btn-outline:hover { background: rgba(255,255,255,0.15); transform: translateY(-1px); }

.stripe { height: 7px; background: repeating-linear-gradient(90deg, var(--red) 0, var(--red) 50%, var(--white) 50%, var(--white) 100%); background-size: 36px 7px; }

.page-header { background: linear-gradient(150deg, var(--blue) 0%, #1a1960 100%); color: var(--white); padding: 3.5rem 1.5rem; text-align: center; }
.page-header h1 { font-size: 2.3rem; margin-bottom: 0.6rem; line-height: 1.2; }
.page-header p { font-size: 1.05rem; opacity: 0.85; max-width: 680px; margin: 0 auto; }

.breadcrumb { background: #eee; padding: 0.55rem 1.5rem; font-family: Arial, sans-serif; font-size: 0.83rem; }
.breadcrumb a { color: var(--blue); text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }

main { max-width: 1100px; margin: 0 auto; padding: 3rem 1.5rem; }
.content-wrap { max-width: 820px; margin: 0 auto; }

h2 { font-size: 1.75rem; color: var(--blue); margin: 2.5rem 0 0.9rem; border-bottom: 2px solid #eee; padding-bottom: 0.4rem; }
h3 { font-size: 1.2rem; color: var(--red); margin: 1.8rem 0 0.6rem; }
p { margin-bottom: 1.2rem; }
ul, ol { margin: 0.8rem 0 1.4rem 1.8rem; }
li { margin-bottom: 0.45rem; }
a { color: var(--blue); }
strong { color: #222; }

.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 1.4rem; margin: 2rem 0; }
.card { background: var(--white); border: 1px solid #ddd; border-radius: 8px; padding: 1.5rem; text-decoration: none; color: inherit; display: block; transition: box-shadow 0.2s, transform 0.2s; border-top: 4px solid var(--red); }
.card:hover { box-shadow: 0 6px 20px rgba(0,0,0,0.12); transform: translateY(-2px); }
.card-icon { font-size: 2rem; margin-bottom: 0.6rem; }
.card h3 { color: var(--blue); margin-top: 0; margin-bottom: 0.5rem; font-size: 1.1rem; }
.card p { font-size: 0.88rem; color: #555; margin: 0; }

.fact-box { background: #eef2ff; border-left: 5px solid var(--blue); padding: 1.2rem 1.5rem; margin: 1.5rem 0; border-radius: 0 6px 6px 0; }
.fact-box strong { color: var(--blue); }
.callout { background: #fff8e1; border-left: 5px solid #e6a817; padding: 1.2rem 1.5rem; margin: 1.5rem 0; border-radius: 0 6px 6px 0; }
.callout-red { background: #fff5f5; border-left-color: var(--red); }

.band { background: var(--light-gray); padding: 3.5rem 1.5rem; }
.band-inner { max-width: 1100px; margin: 0 auto; }
.band h2 { border-bottom-color: #ccc; }

table { width: 100%; border-collapse: collapse; margin: 1.5rem 0; font-size: 0.93rem; font-family: Arial, sans-serif; }
th { background: var(--blue); color: var(--white); padding: 0.75rem 1rem; text-align: left; }
td { padding: 0.65rem 1rem; border-bottom: 1px solid #ddd; }
tr:nth-child(even) td { background: #f9f9f9; }

.faq { margin: 1.5rem 0; }
.faq-item { border-bottom: 1px solid #ddd; padding: 1.1rem 0; }
.faq-q { font-weight: bold; color: var(--blue); font-size: 1rem; margin-bottom: 0.5rem; }
.faq-a { color: #444; font-size: 0.95rem; }

.stats-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 1rem; margin: 2rem 0; }
.stat-box { background: var(--blue); color: var(--white); text-align: center; padding: 1.5rem 1rem; border-radius: 8px; }
.stat-number { font-size: 2.2rem; font-weight: bold; display: block; }
.stat-label { font-family: Arial, sans-serif; font-size: 0.82rem; opacity: 0.85; margin-top: 0.3rem; display: block; }

footer { background: var(--blue); color: rgba(255,255,255,0.8); padding: 2.5rem 1.5rem 1rem; font-family: Arial, sans-serif; font-size: 0.88rem; }
.footer-grid { max-width: 1100px; margin: 0 auto; display: grid; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); gap: 2rem; }
footer h4 { color: var(--white); margin-bottom: 0.8rem; font-size: 0.95rem; text-transform: uppercase; letter-spacing: 0.05em; }
footer a { color: rgba(255,255,255,0.7); text-decoration: none; display: block; margin-bottom: 0.35rem; }
footer a:hover { color: var(--white); }
.footer-bottom { max-width: 1100px; margin: 1.8rem auto 0; padding-top: 1.2rem; border-top: 1px solid rgba(255,255,255,0.2); display: flex; justify-content: space-between; flex-wrap: wrap; gap: 0.5rem; font-size: 0.82rem; }
.footer-bottom p { margin: 0; }

.toc { background: #f0f4ff; border: 1px solid #c5d0f0; border-radius: 8px; padding: 1.2rem 1.5rem; margin: 1.5rem 0 2.5rem; }
.toc h4 { color: var(--blue); margin-bottom: 0.7rem; font-family: Arial, sans-serif; font-size: 0.9rem; text-transform: uppercase; letter-spacing: 0.05em; }
.toc ol { margin: 0 0 0 1.2rem; }
.toc li { margin-bottom: 0.3rem; font-size: 0.92rem; }
.toc a { color: var(--blue); }

@media (max-width: 768px) {
  .hero h1 { font-size: 2rem; }
  .nav-links { display: none; }
  .page-header h1 { font-size: 1.7rem; }
  h2 { font-size: 1.35rem; }
  main { padding: 2rem 1rem; }
}