* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: #f6f8fa;
  color: #111820;
  font-family: Arial, Helvetica, sans-serif;
}

:focus-visible {
  outline: 3px solid #1f6feb;
  outline-offset: 3px;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  border-bottom: 1px solid #d9e0e7;
  padding: 14px clamp(18px, 4vw, 56px);
  background: rgba(246, 248, 250, 0.94);
  backdrop-filter: blur(10px);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: #111820;
  font-weight: 800;
  text-decoration: none;
}

.brand img {
  width: 36px;
  height: 36px;
}

nav {
  display: flex;
  gap: 18px;
}

nav a,
.secondary-link {
  color: #224466;
  font-weight: 700;
  text-decoration: none;
}

.hero {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(320px, 0.85fr);
  align-items: center;
  gap: clamp(28px, 5vw, 72px);
  min-height: calc(100vh - 66px);
  padding: clamp(42px, 7vw, 88px) clamp(18px, 5vw, 72px);
  background: #eef3f7;
}

.hero-copy {
  max-width: 780px;
}

.eyebrow {
  margin: 0 0 12px;
  color: #1f6feb;
  font-size: 13px;
  font-weight: 800;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1 {
  max-width: 820px;
  margin-bottom: 22px;
  font-size: clamp(48px, 7vw, 86px);
  line-height: 0.96;
}

h2 {
  margin-bottom: 18px;
  font-size: clamp(34px, 4vw, 54px);
  line-height: 1.02;
}

h3 {
  margin-bottom: 10px;
  font-size: 22px;
}

p {
  color: #43515f;
  font-size: 18px;
  line-height: 1.6;
}

.lead {
  max-width: 740px;
  font-size: clamp(20px, 2.2vw, 26px);
  line-height: 1.45;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 16px;
  margin-top: 28px;
}

.button-link {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  border-radius: 6px;
  padding: 12px 16px;
  background: #ffb454;
  color: #111820;
  font-weight: 800;
  text-decoration: none;
}

.hero-visual {
  display: grid;
  place-items: center;
  gap: 24px;
  align-self: stretch;
  min-height: 420px;
  border-left: 1px solid #d0d9e2;
}

.hero-visual img {
  width: min(280px, 70%);
  height: auto;
}

.stat-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(92px, 1fr));
  gap: 10px;
  width: min(340px, 84%);
}

.stat-grid span {
  border: 1px solid #ccd6df;
  border-radius: 8px;
  padding: 12px;
  background: #ffffff;
  color: #224466;
  font-size: 14px;
  font-weight: 800;
  text-align: center;
}

.section {
  padding: clamp(56px, 8vw, 104px) clamp(18px, 5vw, 72px);
}

.section-heading {
  max-width: 840px;
  margin-bottom: 32px;
}

.two-column,
.split {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: clamp(28px, 5vw, 72px);
}

.risk-band {
  background: #111820;
  color: #f6f8fa;
}

.risk-band p {
  color: #c9d3dc;
}

.risk-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}

.risk-grid article {
  min-height: 210px;
  border: 1px solid #2d3945;
  border-radius: 8px;
  padding: 22px;
  background: #151c24;
}

.risk-grid h3 {
  color: #ffb454;
}

.stacked-copy {
  display: grid;
  gap: 18px;
}

.guard-section {
  background: #e8eef4;
}

.guard-card {
  max-width: 900px;
  border: 1px solid #c9d4de;
  border-radius: 8px;
  padding: clamp(24px, 5vw, 44px);
  background: #ffffff;
}

.guard-card img {
  width: min(420px, 100%);
  height: auto;
  margin-bottom: 22px;
}

.guard-card ul {
  display: grid;
  gap: 10px;
  margin: 0 0 28px;
  padding-left: 20px;
  color: #43515f;
  font-size: 18px;
  line-height: 1.45;
}

.site-footer {
  border-top: 1px solid #d9e0e7;
  padding: 28px clamp(18px, 5vw, 72px);
  background: #f6f8fa;
}

.site-footer p {
  margin: 0;
  font-size: 15px;
}

.site-footer a {
  color: #224466;
  font-weight: 700;
}

.legal-page {
  width: min(820px, calc(100% - 40px));
  margin: 0 auto;
  padding: clamp(48px, 8vw, 96px) 0;
}

.legal-page h1 {
  font-size: clamp(42px, 7vw, 72px);
}

.legal-page h2 {
  margin-top: 42px;
  font-size: 28px;
}

.legal-page ul {
  display: grid;
  gap: 10px;
  padding-left: 22px;
  color: #43515f;
  font-size: 18px;
  line-height: 1.6;
}

.legal-page a {
  color: #224466;
  font-weight: 700;
}

.legal-meta {
  margin-bottom: 32px;
  color: #667482;
  font-size: 15px;
}

@media (max-width: 860px) {
  .site-header {
    align-items: flex-start;
    flex-direction: column;
  }

  .hero,
  .two-column,
  .split,
  .risk-grid {
    grid-template-columns: 1fr;
  }

  .hero {
    min-height: auto;
  }

  .hero-visual {
    min-height: 320px;
    border-left: 0;
    border-top: 1px solid #d0d9e2;
    padding-top: 28px;
  }

  nav {
    flex-wrap: wrap;
  }
}

@media (max-width: 520px) {
  .site-header nav {
    gap: 14px;
  }

  .site-header nav a {
    font-size: 14px;
  }

  h1 {
    font-size: 44px;
  }

  .hero-visual {
    min-height: 260px;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
}