:root{--navy:#102447;--blue:#1f5c99;--red:#c62828;--light:#f5f7fb;--text:#1f2937;--muted:#5f6b7a;--border:#d9e2ef;--white:#fff;--gold:#f8c04e}*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--light);color:var(--text);line-height:1.6}a{color:var(--blue)}.topbar{background:#0b1b36;color:#fff;font-size:13px;text-align:center;padding:8px 12px}.header{background:#fff;border-bottom:1px solid var(--border);position:sticky;top:0;z-index:20}.header-inner{max-width:1180px;margin:auto;padding:14px 20px;display:flex;align-items:center;justify-content:space-between;gap:20px}.logo{height:62px;width:auto}.nav{display:flex;gap:18px;align-items:center;flex-wrap:wrap}.nav a{text-decoration:none;color:var(--navy);font-weight:700;font-size:14px}.nav .cta{background:var(--red);color:#fff;padding:10px 14px;border-radius:8px}.hero{background:linear-gradient(135deg,#0b1b36,#183766);color:#fff;padding:86px 20px}.hero-inner{max-width:1180px;margin:auto;display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}.badge{display:inline-block;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);padding:8px 12px;border-radius:999px;color:#ffd7d7;font-size:12px;font-weight:800;letter-spacing:.09em;text-transform:uppercase}.hero h1{font-size:52px;line-height:1.05;margin:18px 0 18px}.hero p{font-size:19px;color:#d8e2f2;max-width:760px}.hero-card{background:#fff;color:var(--text);border-radius:24px;padding:28px;box-shadow:0 20px 55px rgba(0,0,0,.25)}.hero-card img{width:100%;max-width:520px;display:block;margin:auto}.btns{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}.btn{display:inline-block;text-decoration:none;background:var(--red);color:#fff;padding:14px 20px;border-radius:10px;font-weight:800;border:0;cursor:pointer}.btn.secondary{background:#fff;color:var(--navy)}.btn.dark{background:var(--navy);color:#fff}.strip{background:#fff;border-bottom:1px solid var(--border);padding:18px 20px;text-align:center;color:var(--muted);font-size:14px}.section{max-width:1180px;margin:auto;padding:70px 20px}.section.white{background:#fff;max-width:none}.section.white>.inner{max-width:1180px;margin:auto}.eyebrow{color:var(--red);font-weight:800;text-transform:uppercase;letter-spacing:.1em;font-size:13px}.section h1,.section h2{color:var(--navy);line-height:1.15}.section h1{font-size:42px}.section h2{font-size:34px}.lead{font-size:18px;color:var(--muted);max-width:860px}.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(245px,1fr));gap:22px;margin-top:30px}.card{background:#fff;border:1px solid var(--border);border-radius:18px;padding:26px;box-shadow:0 8px 25px rgba(16,36,71,.06)}.card h3{margin-top:0;color:var(--navy)}.list{padding-left:22px}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start}.article{background:#fff;border:1px solid var(--border);border-radius:22px;padding:36px}.article h2{font-size:28px;margin-top:36px}.notice{background:#fff7e6;border:1px solid #f5d38a;border-radius:16px;padding:18px;color:#6b4a00}.firm-box{background:#eef6ff;border:1px solid #cce3ff;border-radius:20px;padding:26px}.form-wrap{background:#fff;border:1px solid var(--border);border-radius:22px;padding:26px}.ghl-placeholder{border:2px dashed #b8c7dd;border-radius:16px;padding:24px;background:#f9fbff;color:#4b5b70;text-align:center}.ghl-code{font-family:monospace;background:#eef2f7;padding:10px;border-radius:8px;display:block;margin-top:12px;overflow:auto}.state-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:12px;margin-top:28px}.state-grid a{background:#fff;border:1px solid var(--border);padding:14px;border-radius:12px;text-decoration:none;color:var(--navy);font-weight:800}.download-card{display:flex;flex-direction:column;justify-content:space-between}.footer{background:#0b1b36;color:#dbe7f7;padding:40px 20px;margin-top:60px}.footer-inner{max-width:1180px;margin:auto;display:grid;grid-template-columns:1.2fr .8fr;gap:28px}.footer a{color:#fff}.small{font-size:13px;color:#68778a}.mobile-note{display:none}input,textarea,select{font:inherit}@media(max-width:850px){.hero-inner,.two-col,.footer-inner{grid-template-columns:1fr}.hero h1{font-size:38px}.nav{display:none}.mobile-note{display:block}.section h1{font-size:34px}.section h2{font-size:28px}.logo{height:52px}}


/* Upgraded mobile and tablet navigation */
.brand-link{display:flex;align-items:center;flex-shrink:0}.desktop-nav{display:flex}.mobile-menu-button{display:none;align-items:center;gap:10px;border:1px solid var(--border);background:#fff;color:var(--navy);border-radius:14px;padding:10px 14px;font-weight:800;cursor:pointer;box-shadow:0 6px 18px rgba(16,36,71,.08)}.hamburger-lines{display:grid;gap:4px}.hamburger-lines span{display:block;width:22px;height:3px;background:var(--navy);border-radius:99px}.menu-button-text{font-size:14px}.mobile-menu-backdrop{position:fixed;inset:0;background:rgba(7,18,38,.58);opacity:0;transition:opacity .22s ease;z-index:98}.mobile-menu-backdrop.is-visible{opacity:1}.mobile-menu-panel{position:fixed;top:0;right:0;width:min(90vw,390px);height:100dvh;background:#fff;box-shadow:-18px 0 45px rgba(0,0,0,.22);z-index:99;transform:translateX(105%);transition:transform .24s ease;display:flex;flex-direction:column;overflow:auto}.mobile-menu-panel.is-open{transform:translateX(0)}.mobile-menu-head{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:18px;border-bottom:1px solid var(--border);background:#f8fbff}.mobile-menu-head img{height:58px;width:auto;max-width:230px}.mobile-menu-close{width:44px;height:44px;border:0;border-radius:14px;background:var(--navy);color:#fff;font-size:32px;line-height:1;cursor:pointer}.mobile-nav{display:flex;flex-direction:column;padding:12px}.mobile-nav a{display:flex;align-items:center;justify-content:space-between;text-decoration:none;color:var(--navy);font-weight:800;padding:16px 14px;border-radius:14px;border-bottom:1px solid #edf2f7}.mobile-nav a:hover,.mobile-nav a:focus{background:#eef6ff;color:var(--blue);outline:none}.mobile-nav a::after{content:'›';font-size:22px;color:var(--red)}.mobile-menu-footer{padding:18px;border-top:1px solid var(--border);margin-top:auto;background:#f8fbff}.mobile-menu-footer .btn{display:block;text-align:center;margin-bottom:10px}.mobile-menu-footer p{font-size:12px;color:var(--muted);margin:12px 0 0}.menu-open{overflow:hidden}
@media(max-width:1024px){.desktop-nav{display:none}.mobile-menu-button{display:inline-flex}.header-inner{padding:12px 16px}.logo{height:56px}.mobile-note{display:none!important}}
@media(max-width:520px){.topbar{font-size:12px;line-height:1.4}.logo{height:48px}.mobile-menu-button{padding:9px 11px}.menu-button-text{display:none}.mobile-menu-head img{height:50px;max-width:210px}.hero{padding:60px 18px}.hero h1{font-size:34px}.hero p{font-size:17px}.section{padding:50px 18px}}

/* FIXED HEADER + MOBILE/TABLET DROPDOWN MENU - no JavaScript required */
.mobile-menu-panel,.mobile-menu-backdrop,#mobileMenu,#mobileMenuBackdrop{display:none!important}
.site-header{background:#fff;border-bottom:1px solid var(--border);position:sticky;top:0;z-index:9999;box-shadow:0 4px 16px rgba(16,36,71,.05)}
.site-header-inner{max-width:1180px;margin:0 auto;padding:12px 20px;display:flex;align-items:center;justify-content:space-between;gap:18px;position:relative}
.site-brand{display:flex;align-items:center;flex:0 0 auto;text-decoration:none;line-height:0}
.site-logo{height:56px;width:auto;max-width:260px;display:block}
.desktop-menu{display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.desktop-menu a{text-decoration:none;color:var(--navy);font-weight:800;font-size:14px}
.desktop-menu .menu-cta{background:var(--red);color:#fff;padding:10px 14px;border-radius:10px}
.mobile-nav-toggle{position:absolute;opacity:0;pointer-events:none}
.mobile-menu-trigger{display:none;align-items:center;gap:10px;border:1px solid var(--border);background:#fff;color:var(--navy);border-radius:14px;padding:10px 14px;font-weight:900;cursor:pointer;box-shadow:0 6px 18px rgba(16,36,71,.08);user-select:none}
.mobile-menu-icon{display:grid;gap:4px}
.mobile-menu-icon span{display:block;width:23px;height:3px;background:var(--navy);border-radius:999px}
.mobile-menu-label{font-size:14px}
.mobile-dropdown-menu{display:none;position:absolute;left:16px;right:16px;top:calc(100% + 8px);background:#fff;border:1px solid var(--border);border-radius:18px;box-shadow:0 20px 50px rgba(16,36,71,.2);overflow:hidden;z-index:10000}
.mobile-dropdown-menu a{display:block;text-decoration:none;color:var(--navy);font-weight:900;padding:15px 18px;border-bottom:1px solid #edf2f7;background:#fff}
.mobile-dropdown-menu a:last-child{border-bottom:0}
.mobile-dropdown-menu a:hover,.mobile-dropdown-menu a:focus{background:#eef6ff;color:var(--blue);outline:none}
.mobile-nav-toggle:checked ~ .mobile-dropdown-menu{display:block}
.mobile-nav-toggle:checked + .mobile-menu-trigger{background:var(--navy);color:#fff}
.mobile-nav-toggle:checked + .mobile-menu-trigger .mobile-menu-icon span{background:#fff}
@media(max-width:1024px){.desktop-menu{display:none!important}.mobile-menu-trigger{display:flex!important}.site-header-inner{padding:10px 16px}.site-logo{height:52px;max-width:230px}.topbar{position:relative;z-index:9998}}
@media(max-width:560px){.site-logo{height:46px;max-width:210px}.mobile-menu-trigger{padding:9px 11px}.mobile-menu-label{display:none}.mobile-dropdown-menu{left:10px;right:10px;top:calc(100% + 6px)}.mobile-dropdown-menu a{padding:14px 16px}.topbar{font-size:11.5px;padding:7px 10px}}

/* ===== Site-wide visual upgrades ===== */
.visual-figure {
  margin: 28px auto;
  text-align: center;
}
.visual-figure img {
  display: block;
  width: 100%;
  max-width: 1100px;
  height: auto;
  margin: 0 auto;
  border-radius: 14px;
  box-shadow: 0 12px 30px rgba(15, 23, 42, 0.14);
}
.visual-caption {
  max-width: 850px;
  margin: 10px auto 0;
  color: #5d6675;
  font-size: 14px;
  line-height: 1.5;
}
.visual-callout {
  background: #f5f7fb;
  border: 1px solid #e5e7eb;
  border-left: 6px solid #c62828;
  border-radius: 14px;
  padding: 22px;
  margin: 26px 0;
}
@media (max-width: 700px) {
  .visual-figure { margin: 20px -6px; }
  .visual-figure img { border-radius: 8px; box-shadow: 0 8px 20px rgba(15, 23, 42, 0.12); }
}

/* ===== STANDARD IMAGE WIDTH FIX ===== */

.visual-figure {
  max-width: 850px;
  margin: 25px auto;
  padding: 0 10px;
  text-align: center;
}

.visual-figure img {
  width: 100%;
  max-width: 800px;
  border-radius: 12px;
  box-shadow: 0 8px 20px rgba(0,0,0,0.1);
}

.visual-caption {
  max-width: 800px;
  margin: 10px auto 0;
  font-size: 14px;
  color: #666;
}

/* Fix for any images directly inside article */
.article img {
  width: 100%;
  max-width: 800px;
  margin: 25px auto;
  display: block;
  border-radius: 10px;
}
/* ===== MOBILE H1 SIZE FIX ===== */
@media (max-width: 700px) {
  .hero h1 {
    font-size: 34px !important;
    line-height: 1.15 !important;
  }
}

@media (max-width: 420px) {
  .hero h1 {
    font-size: 30px !important;
    line-height: 1.15 !important;
  }
}