:root {
  --navy: #1a3560;
  --teal: #0e7490;
  --light-teal: #0891b2;
  --gray: #f5f7fa;
  --text: #333;
  --white: #fff;
  --border: #e0e8f0;
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
body { font-family: 'Segoe UI', Georgia, serif; color: var(--text); line-height: 1.7; }
a { color: var(--teal); text-decoration: none; }
a:hover { text-decoration: underline; }
.container { max-width: 1100px; margin: 0 auto; padding: 0 20px; }

/* NAVBAR */
.navbar { background: var(--navy); padding: 0; 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; padding: 0 20px; display: flex; align-items: center; gap: 2rem; height: 60px; }
.logo { font-size: 1.5rem; font-weight: 800; color: var(--white); text-decoration: none; }
.logo span { color: var(--teal); }
.nav-links { display: flex; gap: 1.2rem; flex: 1; }
.nav-links a { color: #ccc; font-size: 0.85rem; text-decoration: none; transition: color 0.2s; }
.nav-links a:hover { color: var(--white); }

/* HERO */
.hero { background: linear-gradient(135deg, var(--navy) 0%, #1e4080 100%); color: var(--white); padding: 80px 20px; }
.hero-inner { max-width: 800px; }
.hero h1 { font-size: 2.5rem; line-height: 1.2; margin-bottom: 1rem; }
.hero .subtitle { font-size: 1.15rem; color: #b0c4de; margin-bottom: 2rem; }
.hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; }
.btn-primary { background: var(--teal); color: var(--white); padding: 14px 28px; border-radius: 5px; font-weight: 700; font-size: 1rem; text-decoration: none; }
.btn-primary:hover { background: var(--light-teal); text-decoration: none; }
.btn-secondary { border: 2px solid rgba(255,255,255,0.4); color: var(--white); padding: 14px 28px; border-radius: 5px; font-weight: 600; font-size: 1rem; text-decoration: none; }
.btn-secondary:hover { border-color: var(--white); text-decoration: none; }

/* TRUST BAR */
.trust-bar { background: #e8f4f8; border-bottom: 1px solid var(--border); padding: 12px 20px; text-align: center; }
.trust-bar span { margin: 0 16px; font-size: 0.9rem; color: #555; }
.trust-bar span::before { content: "✓ "; color: var(--teal); font-weight: bold; }

/* REFERRAL BAR */
.referral-bar { background: var(--navy); color: var(--white); padding: 16px 20px; }
.referral-bar span { color: #ccc; font-size: 0.95rem; }
.ref-btn { padding: 8px 20px; border-radius: 4px; font-size: 0.9rem; font-weight: 600; text-decoration: none; }
.ref-btn-teal { background: var(--teal); color: var(--white); }
.ref-btn-teal:hover { background: var(--light-teal); text-decoration: none; }
.ref-btn-outline { border: 1px solid rgba(255,255,255,0.4); color: #ccc; }
.ref-btn-outline:hover { border-color: var(--white); color: var(--white); text-decoration: none; }

/* CONTENT CARDS */
.cards-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; padding: 60px 0; }
.card { background: var(--white); border: 1px solid var(--border); border-radius: 8px; padding: 1.5rem; transition: box-shadow 0.2s; }
.card:hover { box-shadow: 0 4px 16px rgba(0,0,0,0.1); text-decoration: none; }
.card h3 { color: var(--navy); font-size: 1.1rem; margin-bottom: 0.5rem; }
.card p { color: #666; font-size: 0.9rem; }
.card .tag { font-size: 0.75rem; font-weight: 700; text-transform: uppercase; color: var(--teal); margin-bottom: 0.5rem; }

/* PAGE HEADER */
.page-header { background: var(--navy); color: var(--white); padding: 50px 20px; }
.page-header h1 { font-size: 2.2rem; max-width: 800px; }
.page-header p { color: #b0c4de; margin-top: 0.5rem; font-size: 1.05rem; max-width: 700px; }

/* BREADCRUMB */
.breadcrumb { padding: 10px 20px; font-size: 0.85rem; color: #888; background: #fafafa; border-bottom: 1px solid #eee; }
.breadcrumb a { color: var(--teal); }

/* ARTICLE CONTENT */
.article-layout { display: grid; grid-template-columns: 2fr 1fr; gap: 3rem; padding: 60px 0; }
.article-body h2 { color: var(--navy); font-size: 1.6rem; margin: 2rem 0 0.8rem; }
.article-body h3 { color: var(--navy); font-size: 1.2rem; margin: 1.5rem 0 0.5rem; }
.article-body p { margin-bottom: 1rem; }
.article-body ul { margin: 1rem 0 1rem 2rem; }
.article-body ul li { margin-bottom: 0.5rem; }
.article-body table { width: 100%; border-collapse: collapse; margin: 1.5rem 0; }
.article-body table th { background: var(--navy); color: var(--white); padding: 10px 14px; text-align: left; }
.article-body table td { padding: 10px 14px; border-bottom: 1px solid var(--border); }
.article-body table tr:nth-child(even) td { background: var(--gray); }

/* SIDEBAR */
.sidebar-box { background: var(--gray); border: 1px solid var(--border); border-radius: 8px; padding: 1.5rem; margin-bottom: 1.5rem; }
.sidebar-box h4 { color: var(--navy); margin-bottom: 1rem; font-size: 1rem; }
.sidebar-box ul { list-style: none; }
.sidebar-box ul li { padding: 6px 0; border-bottom: 1px solid var(--border); }
.sidebar-box ul li:last-child { border-bottom: none; }
.sidebar-box ul li a { color: var(--teal); font-size: 0.9rem; }
.cta-sidebar { background: var(--navy); color: var(--white); border-radius: 8px; padding: 1.5rem; text-align: center; margin-bottom: 1.5rem; }
.cta-sidebar h4 { margin-bottom: 0.5rem; }
.cta-sidebar p { font-size: 0.9rem; color: #b0c4de; margin-bottom: 1rem; }
.cta-sidebar a { display: block; background: var(--teal); color: var(--white); padding: 10px 16px; border-radius: 4px; font-weight: 700; margin-bottom: 8px; text-decoration: none; }
.cta-sidebar a:hover { background: var(--light-teal); }

/* CALCULATOR */
.calculator { background: var(--gray); border: 2px solid var(--teal); border-radius: 10px; padding: 2rem; margin: 2rem 0; }
.calculator h3 { color: var(--navy); margin-bottom: 1.5rem; font-size: 1.3rem; }
.calc-row { margin-bottom: 1.5rem; }
.calc-row label { display: block; font-weight: 600; margin-bottom: 0.5rem; color: var(--navy); }
.calc-row input[type=range] { width: 100%; accent-color: var(--teal); }
.calc-row .val { font-size: 1.1rem; font-weight: 700; color: var(--teal); }
.calc-results { background: var(--white); border-radius: 6px; padding: 1.5rem; margin-top: 1rem; }
.calc-results h4 { color: var(--navy); margin-bottom: 1rem; }
.calc-line { display: flex; justify-content: space-between; padding: 8px 0; border-bottom: 1px solid var(--border); font-size: 0.95rem; }
.calc-line.total { font-weight: 800; font-size: 1.1rem; color: var(--teal); border-top: 2px solid var(--teal); border-bottom: none; margin-top: 8px; }
.calc-line.proceeds { font-weight: 800; font-size: 1.2rem; color: var(--navy); }

/* LEAD FORM */
.lead-form { background: var(--gray); border: 2px solid var(--teal); border-radius: 10px; padding: 2rem; max-width: 600px; margin: 2rem auto; }
.lead-form h2 { color: var(--navy); margin-bottom: 0.5rem; }
.lead-form p { color: #666; margin-bottom: 1.5rem; }
.form-group { margin-bottom: 1rem; }
.form-group label { display: block; font-weight: 600; margin-bottom: 4px; font-size: 0.9rem; }
.form-group input, .form-group select, .form-group textarea { width: 100%; padding: 10px 14px; border: 1px solid var(--border); border-radius: 4px; font-size: 1rem; font-family: inherit; }
.form-group input:focus, .form-group textarea:focus { outline: none; border-color: var(--teal); }
.tcpa { font-size: 0.8rem; color: #777; margin: 1rem 0; display: flex; gap: 8px; align-items: flex-start; }
.tcpa input { margin-top: 3px; flex-shrink: 0; }
.submit-btn { width: 100%; background: var(--teal); color: var(--white); padding: 14px; border: none; border-radius: 5px; font-size: 1.1rem; font-weight: 700; cursor: pointer; }
.submit-btn:hover { background: var(--light-teal); }

/* EMAIL CAPTURE */
.email-capture { background: var(--teal); color: var(--white); padding: 40px 20px; text-align: center; }
.email-capture h2 { margin-bottom: 0.5rem; }
.email-capture p { color: rgba(255,255,255,0.8); margin-bottom: 1.5rem; }
.email-form { display: flex; gap: 1rem; max-width: 480px; margin: 0 auto; }
.email-form input { flex: 1; padding: 12px 16px; border: none; border-radius: 4px; font-size: 1rem; }
.email-form button { background: var(--navy); color: var(--white); border: none; padding: 12px 24px; border-radius: 4px; font-weight: 700; cursor: pointer; white-space: nowrap; }

/* CITIES GRID */
.cities-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 1rem; padding: 40px 0; }
.city-card { background: var(--white); border: 1px solid var(--border); border-radius: 6px; padding: 1.2rem; text-align: center; color: var(--navy); font-weight: 600; transition: background 0.2s; }
.city-card:hover { background: var(--teal); color: var(--white); text-decoration: none; }

/* INFO BOX */
.info-box { background: #e8f4f8; border-left: 4px solid var(--teal); padding: 16px 20px; border-radius: 0 6px 6px 0; margin: 1.5rem 0; }
.info-box strong { color: var(--navy); }

/* FOOTER */
.footer { background: var(--navy); color: #b0c4de; padding: 60px 0 20px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 2rem; margin-bottom: 2rem; }
.footer h4 { color: var(--white); margin-bottom: 1rem; font-size: 0.95rem; text-transform: uppercase; letter-spacing: 0.05em; }
.footer ul { list-style: none; }
.footer ul li { margin-bottom: 0.5rem; }
.footer ul li a { color: #8fa8c8; font-size: 0.9rem; }
.footer ul li a:hover { color: var(--white); }
.footer-bottom { border-top: 1px solid #2a4070; padding-top: 1rem; text-align: center; font-size: 0.8rem; color: #6688aa; }

/* RESPONSIVE */
@media (max-width: 768px) {
  .cards-grid { grid-template-columns: 1fr; }
  .cities-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .article-layout { grid-template-columns: 1fr; }
  .nav-links { display: none; }
  .hero h1 { font-size: 1.7rem; }
  .email-form { flex-direction: column; }
}