:root{
  --navy:#1a2f4e;
  --navy-dark:#0e1e30;
  --navy-light:#243d5f;
  --gold:#b8960c;
  --gold-light:#d4ae2a;
  --pale-gold:#f5edd0;
  --parchment:#f7f0e0;
  --cream:#faf6ed;
  --white:#ffffff;
  --text:#2a2318;
  --text-light:#5a5040;
  --border:#e5dcc7;
  --radius:10px;
  --radius-lg:16px;
  --shadow:0 14px 36px rgba(14,30,48,.10);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Source Sans 3',sans-serif;color:var(--text);line-height:1.7;background:var(--white)}
h1,h2,h3,h4{font-family:'Playfair Display',serif;color:var(--navy);line-height:1.2}
a{text-decoration:none;color:inherit}
img{max-width:100%}
.skip-link{position:absolute;left:-9999px;top:0;z-index:10000;padding:.75rem 1rem;background:#fff;color:var(--navy);font-weight:700;border:2px solid var(--navy);border-radius:4px}
.skip-link:focus{left:1rem;top:1rem}

/* Header */
header{background:var(--navy);padding:0 2rem;position:sticky;top:0;z-index:1000;box-shadow:0 2px 10px rgba(0,0,0,.2)}
.header-inner{max-width:1200px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;height:70px}
.logo{display:flex;align-items:center}
.logo img{height:55px;width:auto}
nav{display:flex;align-items:center;gap:.25rem}
nav a{color:rgba(255,255,255,.85);font-size:.9rem;font-weight:500;padding:.5rem .85rem;border-radius:6px;transition:.2s;position:relative}
nav a:not(.btn):hover,nav a:not(.btn).active{color:#fff;background:rgba(255,255,255,.1)}
nav .dropdown{position:relative}
nav .dropdown-menu{display:none;position:absolute;top:100%;left:0;background:#fff;border-radius:8px;box-shadow:0 8px 30px rgba(0,0,0,.14);min-width:220px;padding:.5rem 0;z-index:100}
nav .dropdown:hover .dropdown-menu{display:block}
nav .dropdown-menu a{color:var(--text);display:block;padding:.6rem 1.2rem;font-size:.85rem;border-radius:0}
nav .dropdown-menu a:hover{background:var(--parchment);color:var(--navy)}
.header-phone{background:var(--gold);color:var(--navy-dark);padding:.5rem 1.2rem;border-radius:6px;font-weight:700;font-size:.9rem;white-space:nowrap}
.header-phone:hover{background:var(--gold-light)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.45rem;border-radius:6px;font-weight:700;transition:.2s;border:2px solid transparent}
.btn-primary{background:var(--gold);color:var(--navy-dark);border-color:var(--gold)}
.btn-primary:hover{background:var(--gold-light);border-color:var(--gold-light)}
nav .btn{padding:.5rem 1.2rem;font-size:.85rem}
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:5px}
.hamburger span{width:24px;height:2px;background:#fff}
.mobile-nav{display:none;position:fixed;inset:0;background:var(--navy);z-index:999;padding:5rem 2rem 2rem;flex-direction:column;gap:.5rem;overflow-y:auto}
.mobile-nav.active{display:flex}
.mobile-nav a{color:#fff;font-size:1.1rem;padding:.8rem 0;border-bottom:1px solid rgba(255,255,255,.1)}
.mobile-nav .sub-link{padding-left:1.5rem;font-size:.95rem;color:rgba(255,255,255,.7)}
.mobile-close{position:absolute;top:1.5rem;right:1.5rem;color:#fff;font-size:2rem;cursor:pointer;background:none;border:0}

/* Resource guide system */
.resource-breadcrumb{background:var(--parchment);border-bottom:1px solid var(--border)}
.resource-breadcrumb-inner{max-width:1200px;margin:0 auto;padding:.75rem 2rem;font-size:.86rem;color:var(--text-light)}
.resource-breadcrumb a{color:var(--navy);font-weight:600}
.resource-hero{background:var(--navy-dark);overflow:hidden}
.resource-hero-inner{max-width:1440px;margin:0 auto;min-height:540px;display:grid;grid-template-columns:1.03fr .97fr;align-items:stretch}
.resource-hero-copy{display:flex;flex-direction:column;justify-content:center;padding:5.25rem 4rem 4.5rem max(3rem,calc((100vw - 1200px)/2))}
.resource-eyebrow{color:var(--gold);text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;font-weight:800;margin-bottom:1rem}
.resource-hero h1{color:#fff;font-size:clamp(2.6rem,4.4vw,4.15rem);max-width:720px;margin-bottom:1.25rem}
.resource-hero-copy>p{color:rgba(255,255,255,.82);font-size:1.08rem;max-width:690px;line-height:1.78}
.resource-hero-actions{display:flex;gap:.85rem;flex-wrap:wrap;margin-top:1.7rem}
.resource-hero-actions .btn{padding:.78rem 1.25rem}
.resource-hero-actions .btn-secondary{color:#fff;border-color:rgba(255,255,255,.4)}
.resource-hero-actions .btn-secondary:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.resource-hero-visual{min-height:540px;overflow:hidden;position:relative}
.resource-hero-visual:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(14,30,48,.28),transparent 28%);pointer-events:none}
.resource-hero-visual img{width:100%;height:100%;min-height:540px;object-fit:cover;object-position:center 39%;display:block}

.resource-facts{background:var(--parchment);border-bottom:1px solid var(--border)}
.resource-facts-inner{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:repeat(3,1fr)}
.resource-fact{padding:1.35rem 2rem;border-left:1px solid var(--border)}
.resource-fact:first-child{border-left:0}
.resource-fact strong{display:block;color:var(--navy);font-size:.95rem;margin-bottom:.15rem}
.resource-fact span{display:block;color:var(--text-light);font-size:.9rem;line-height:1.45}

.resource-section{padding:4.75rem 2rem}
.resource-section.white{background:#fff}
.resource-section.parchment{background:var(--parchment)}
.resource-section.navy{background:var(--navy);color:#fff}
.resource-section-inner{max-width:1120px;margin:0 auto}
.resource-copy{max-width:820px;margin:0 auto}
.resource-section h2{font-size:clamp(2rem,3.3vw,3rem);margin-bottom:1rem}
.resource-section.navy h2,.resource-section.navy h3{color:#fff}
.resource-section p{color:var(--text-light);font-size:1.03rem;margin-bottom:1.1rem}
.resource-section.navy p{color:rgba(255,255,255,.78)}
.resource-lead{font-size:1.15rem!important;line-height:1.8}
.resource-divider{width:54px;height:3px;background:var(--gold);margin:1rem 0 1.5rem}
.centered{text-align:center}
.centered .resource-divider{margin:1rem auto 1.5rem}

.definition-panel{max-width:1000px;margin:2rem auto 0;background:#fff;border:1px solid var(--border);border-top:4px solid var(--gold);border-radius:var(--radius-lg);padding:2rem 2.25rem;box-shadow:var(--shadow)}
.definition-panel h3{font-size:1.45rem;margin-bottom:.6rem}
.definition-panel p:last-child{margin-bottom:0}

.distinction{display:grid;grid-template-columns:1fr 1fr;gap:2rem;align-items:stretch;margin-top:2rem}
.distinction-card{border:1px solid rgba(255,255,255,.18);border-radius:var(--radius-lg);padding:2rem;background:rgba(255,255,255,.055)}
.distinction-card .label{color:var(--gold-light);text-transform:uppercase;letter-spacing:.1em;font-size:.75rem;font-weight:800;margin-bottom:.6rem}
.distinction-card h3{font-size:1.55rem;margin-bottom:.75rem}
.distinction-card p{margin-bottom:0}

.compare-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:var(--radius-lg);background:#fff;margin-top:2rem;box-shadow:0 8px 24px rgba(14,30,48,.06)}
.resource-table{width:100%;border-collapse:collapse;min-width:760px}
.resource-table th{background:var(--navy);color:#fff;text-align:left;padding:1rem 1.15rem;font-size:.9rem}
.resource-table td{padding:1rem 1.15rem;border-top:1px solid var(--border);vertical-align:top;color:var(--text-light)}
.resource-table td:first-child{color:var(--navy);font-weight:700;width:24%}

.card-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem;margin-top:2rem}
.info-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:1.45rem}
.info-card h3{font-size:1.18rem;margin-bottom:.45rem}
.info-card p{font-size:.96rem;margin-bottom:0}
.number-grid{counter-reset:questions;display:grid;grid-template-columns:repeat(2,1fr);gap:1rem;margin-top:2rem}
.question-card{position:relative;background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:1.35rem 1.35rem 1.35rem 3.65rem;color:var(--text-light)}
.question-card:before{counter-increment:questions;content:counter(questions);position:absolute;left:1.2rem;top:1.25rem;width:1.8rem;height:1.8rem;border-radius:50%;display:flex;align-items:center;justify-content:center;background:var(--pale-gold);color:var(--navy);font-weight:800}
.question-card strong{color:var(--navy)}

.checklist{list-style:none;margin-top:1.4rem}
.checklist li{position:relative;padding:.55rem 0 .55rem 1.65rem;color:var(--text-light)}
.checklist li:before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:800}

.resource-note{background:var(--pale-gold);border-left:4px solid var(--gold);padding:1.3rem 1.5rem;border-radius:0 var(--radius) var(--radius) 0;margin:1.5rem 0}
.resource-note strong{color:var(--navy)}

.faq-list{max-width:900px;margin:2rem auto 0;border-top:1px solid var(--border)}
.faq-list details{border-bottom:1px solid var(--border);padding:0}
.faq-list summary{list-style:none;cursor:pointer;padding:1.15rem 2.2rem 1.15rem 0;font-weight:700;color:var(--navy);position:relative}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary:after{content:"+";position:absolute;right:.2rem;top:1rem;color:var(--gold);font-size:1.35rem}
.faq-list details[open] summary:after{content:"−"}
.faq-list details p{padding:0 0 1.15rem;margin:0}

.sources-box{max-width:900px;margin:2.5rem auto 0;padding:1.5rem;border:1px solid var(--border);border-radius:var(--radius);background:#fff}
.sources-box h3{font-size:1.15rem;margin-bottom:.5rem}
.sources-box p{font-size:.9rem;margin-bottom:.4rem}
.sources-box a{color:var(--navy);text-decoration:underline}

.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin-top:2rem}
.related-card{display:block;background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:1.35rem;transition:.2s}
.related-card:hover{transform:translateY(-2px);box-shadow:0 8px 20px rgba(14,30,48,.08)}
.related-card .tag{color:var(--gold);font-size:.72rem;text-transform:uppercase;letter-spacing:.1em;font-weight:800;margin-bottom:.35rem}
.related-card h3{font-size:1.15rem;margin-bottom:.4rem}
.related-card p{font-size:.9rem;margin:0}

.resource-cta{background:#fff;padding:4.5rem 2rem;text-align:center;border-top:3px solid var(--gold)}
.resource-cta-inner{max-width:780px;margin:0 auto}
.resource-cta h2{font-size:clamp(2rem,3.5vw,3rem);margin-bottom:.75rem}
.resource-cta p{color:var(--text-light);margin-bottom:1.5rem}
.resource-cta .btn{padding:.8rem 1.4rem}

/* Footer */
footer{background:var(--navy-dark);color:rgba(255,255,255,.65);padding:4rem 2rem 2rem}
.footer-inner{max-width:1200px;margin:0 auto}
.footer-grid{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:2.5rem}
.footer-brand img{width:155px;height:auto;margin-bottom:1rem}
.footer-brand p{font-size:.88rem;max-width:330px;margin-bottom:.65rem}
.footer-column h4{color:#fff;font-family:'Source Sans 3',sans-serif;font-size:.9rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:.8rem}
.footer-column a{display:block;color:rgba(255,255,255,.62);font-size:.87rem;padding:.22rem 0}
.footer-column a:hover{color:#fff}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:2.5rem;padding-top:1.4rem;display:flex;justify-content:space-between;gap:1rem;align-items:flex-start;font-size:.78rem}
.footer-areas{text-align:right}
.footer-areas a{color:rgba(255,255,255,.55)}
.back-to-top{position:fixed;right:1.4rem;bottom:1.4rem;width:42px;height:42px;border:0;border-radius:50%;background:var(--gold);color:var(--navy-dark);opacity:0;pointer-events:none;transition:.2s;z-index:900}
.back-to-top.visible{opacity:1;pointer-events:auto}
.back-to-top svg{width:20px;height:20px;fill:none;stroke:currentColor;stroke-width:2}

@media(max-width:1280px){
  nav{display:none}
  .hamburger{display:flex}
  .header-phone{display:none}
}
@media(max-width:1000px){
  .resource-hero-inner{grid-template-columns:1fr;min-height:0}
  .resource-hero-copy{padding:4rem 2.2rem 3.5rem}
  .resource-hero-visual,.resource-hero-visual img{min-height:420px}
  .resource-facts-inner{grid-template-columns:1fr}
  .resource-fact{border-left:0;border-top:1px solid var(--border);padding:1rem 2rem}
  .resource-fact:first-child{border-top:0}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:700px){
  .resource-breadcrumb-inner{padding:.7rem 1.2rem}
  .resource-hero-copy{padding:3.2rem 1.25rem 2.8rem}
  .resource-hero h1{font-size:2.45rem}
  .resource-hero-visual,.resource-hero-visual img{min-height:340px}
  .resource-hero-actions{flex-direction:column}
  .resource-hero-actions .btn{width:100%}
  .resource-section{padding:3.6rem 1.2rem}
  .definition-panel{padding:1.5rem}
  .distinction,.card-grid,.number-grid,.related-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .footer-bottom{flex-direction:column}
  .footer-areas{text-align:left}
}