/* ITCM design system — mobile-first. Tokens per plan doc 10. */
:root{
  --navy:#0B2A4A; --navy-2:#08213B; --blue:#1E6FB8; --teal:#12B5A5;
  --ink:#1B1F24; --muted:#5A6472; --line:#E2E9F0;
  --surface:#FFFFFF; --surface-2:#F4F8FC; --surface-3:#EAF1F8;
  --ok:#15A05A; --warn:#C0392B;
  --radius:14px; --radius-sm:9px; --maxw:1120px;
  --shadow:0 6px 24px rgba(11,42,74,.08); --shadow-lg:0 18px 50px rgba(11,42,74,.16);
  --font:'Inter',system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--surface);
  font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{color:var(--navy);line-height:1.2;margin:0 0 .5em;font-weight:800}
h1{font-size:2.15rem;letter-spacing:-.5px}
h2{font-size:1.6rem;letter-spacing:-.3px}
h3{font-size:1.2rem}
p{margin:0 0 1rem}
.container{max-width:var(--maxw);margin:0 auto;padding:0 20px}
.section{padding:56px 0}
.section--tint{background:var(--surface-2)}
.eyebrow{color:var(--teal);font-weight:700;text-transform:uppercase;letter-spacing:1.5px;font-size:.8rem;margin:0 0 .5rem}
.lead{font-size:1.15rem;color:var(--muted)}
.center{text-align:center}
.muted{color:var(--muted)}

/* buttons */
.btn{display:inline-block;padding:13px 22px;border-radius:999px;font-weight:700;font-size:1rem;
  cursor:pointer;border:2px solid transparent;transition:.15s;text-align:center}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn--primary{background:var(--teal);color:var(--navy-2)}
.btn--primary:hover{background:#0fa090;color:#04221d}
.btn--blue{background:var(--blue);color:#fff}
.btn--blue:hover{background:#185c99;color:#fff}
.btn--ghost{background:transparent;color:var(--navy);border-color:var(--line)}
.btn--ghost:hover{border-color:var(--blue);color:var(--blue)}
.btn--lg{padding:16px 30px;font-size:1.08rem}
.btn--block{display:block;width:100%}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);
  backdrop-filter:saturate(150%) blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;gap:18px;height:68px}
.nav__logo img{height:38px;width:auto}
.nav__links{display:none;gap:20px;margin-left:8px;align-items:center;flex:1}
.nav__links a{color:var(--navy);font-weight:600;font-size:.97rem}
.nav__cta{display:none;gap:10px;margin-left:auto}
.nav__toggle{margin-left:auto;background:none;border:0;cursor:pointer;padding:8px;display:flex}
.nav__toggle span{width:24px;height:2px;background:var(--navy);position:relative;display:block}
.nav__toggle span::before,.nav__toggle span::after{content:"";position:absolute;left:0;width:24px;height:2px;background:var(--navy)}
.nav__toggle span::before{top:-7px}.nav__toggle span::after{top:7px}
.mobile-menu{display:none;border-top:1px solid var(--line);background:#fff;padding:12px 0}
.mobile-menu.open{display:block}
.mobile-menu a{display:block;padding:11px 20px;color:var(--navy);font-weight:600;border-bottom:1px solid var(--surface-2)}
.mobile-menu .btn{margin:12px 20px 4px}

/* nav dropdown / mega-menu */
.nav__item{position:relative;display:flex;align-items:center;height:68px}
.nav__item>a{color:var(--navy);font-weight:600;font-size:.97rem;display:inline-flex;align-items:center;gap:4px}
.nav__item>a::after{content:""}
.has-mega>a::after{content:"▾";font-size:.7rem;color:var(--muted)}
.mega{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);
  border-radius:0 0 14px 14px;box-shadow:var(--shadow-lg);padding:20px;width:600px;
  grid-template-columns:repeat(2,1fr);gap:8px 26px;z-index:60}
/* invisible bridge so the cursor never crosses a dead gap into the submenu */
.nav__item.has-mega::after{content:"";display:none;position:absolute;top:100%;left:0;width:600px;height:12px;background:transparent}
.nav__item.has-mega:hover::after,.nav__item.has-mega:focus-within::after{display:block}
.nav__item.has-mega:hover .mega,.nav__item.has-mega:focus-within .mega{display:grid}
.mega h5{margin:0 0 4px;color:var(--teal);font-size:.72rem;text-transform:uppercase;letter-spacing:1px;grid-column:auto}
.mega .col{display:flex;flex-direction:column;gap:2px}
.mega a{display:block;padding:5px 0;color:var(--navy);font-weight:600;font-size:.9rem}
.mega a:hover{color:var(--blue);text-decoration:none}
.mega .mega__all{grid-column:1 / -1;border-top:1px solid var(--line);padding-top:10px;margin-top:4px}
.mobile-menu .mm-group{font-size:.72rem;text-transform:uppercase;letter-spacing:1px;color:var(--teal);padding:12px 20px 4px;font-weight:700}

/* hero */
.hero{background:linear-gradient(160deg,var(--navy-2),var(--navy) 60%,#0e3460);color:#fff;padding:64px 0 72px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;
  background:radial-gradient(circle,rgba(18,181,165,.25),transparent 70%)}
.hero h1{color:#fff;font-size:2.5rem;max-width:18ch}
.hero p{color:#bcd4ec;font-size:1.2rem;max-width:54ch}
.hero__actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.hero__trust{margin-top:30px;display:flex;flex-wrap:wrap;gap:20px;color:#8fb3d6;font-size:.95rem}
.hero__trust b{color:#fff}

/* grid + cards */
.grid{display:grid;gap:20px}
.grid--3{grid-template-columns:1fr}
.grid--2{grid-template-columns:1fr}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);
  padding:24px;box-shadow:var(--shadow);transition:.15s}
.card:hover{box-shadow:var(--shadow-lg);transform:translateY(-2px)}
.card h3{margin-bottom:.35em}
.card__ico{width:46px;height:46px;border-radius:11px;background:var(--surface-3);
  display:flex;align-items:center;justify-content:center;margin-bottom:14px;color:var(--blue);font-size:1.3rem;font-weight:800}
.card a.more{font-weight:700;color:var(--blue)}
.pill{display:inline-block;background:var(--surface-3);color:var(--navy);border-radius:999px;
  padding:5px 13px;font-size:.85rem;font-weight:600;margin:0 6px 6px 0}

/* steps */
.steps{counter-reset:s;display:grid;gap:16px}
.step{display:flex;gap:14px;align-items:flex-start}
.step__n{counter-increment:s;flex:0 0 36px;height:36px;border-radius:50%;background:var(--navy);
  color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800}
.step__n::before{content:counter(s)}

/* feature list */
.checks{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.checks li{padding-left:30px;position:relative}
.checks li::before{content:"";position:absolute;left:0;top:3px;width:18px;height:18px;border-radius:50%;
  background:var(--teal);box-shadow:inset 0 0 0 2px #fff,0 0 0 2px var(--teal)}
.checks li::after{content:"";position:absolute;left:6px;top:8px;width:6px;height:3px;border-left:2px solid #fff;border-bottom:2px solid #fff;transform:rotate(-45deg)}

/* stats */
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;text-align:center}
.stat b{display:block;font-size:1.9rem;color:var(--navy);font-weight:800}
.stat span{color:var(--muted);font-size:.9rem}

/* CTA band */
.cta-band{background:linear-gradient(120deg,var(--blue),var(--teal));color:#fff;border-radius:var(--radius);padding:34px;text-align:center}
.cta-band h2{color:#fff}
.cta-band p{color:#eafaf8}

/* forms */
.form{display:grid;gap:14px;max-width:560px}
.form label{font-weight:600;color:var(--navy);font-size:.95rem;display:block;margin-bottom:5px}
.form input,.form select,.form textarea{width:100%;padding:12px 14px;border:1.5px solid var(--line);
  border-radius:var(--radius-sm);font:inherit;color:var(--ink);background:#fff}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(30,111,184,.15)}
.form .req{color:var(--warn)}
.note{font-size:.88rem;color:var(--muted)}
.alert{padding:13px 16px;border-radius:var(--radius-sm);font-weight:600}
.alert--ok{background:#e7f7ee;color:#0c6b39;border:1px solid #b6e6cb}
.alert--err{background:#fdecea;color:#a02a1e;border:1px solid #f3c6c0}

/* breadcrumb */
.crumb{font-size:.88rem;color:var(--muted);padding:14px 0}
.crumb a{color:var(--muted)}.crumb b{color:var(--navy)}

/* footer */
.site-footer{background:var(--navy-2);color:#cdddee;padding:48px 0 26px;margin-top:40px}
.site-footer a{color:#cdddee}
.foot-grid{display:grid;grid-template-columns:1fr;gap:26px}
.foot-grid h4{color:#fff;font-size:.95rem;text-transform:uppercase;letter-spacing:1px;margin-bottom:12px}
.foot-grid ul{list-style:none;padding:0;margin:0;display:grid;gap:8px;font-size:.95rem}
.site-footer .logo img{height:34px;margin-bottom:12px}
.foot-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:30px;padding-top:18px;
  font-size:.85rem;color:#8fb3d6;display:flex;flex-wrap:wrap;gap:8px;justify-content:space-between}

/* article enhancements */
.takeaways{background:var(--surface-3);border:1px solid #d7e6f4;border-left:5px solid var(--teal);
  border-radius:12px;padding:18px 22px;margin:22px 0}
.takeaways h2{font-size:1.05rem;margin:0 0 8px;color:var(--navy)}
.takeaways ul{margin:0;padding-left:20px}
.takeaways li{margin-bottom:6px}
.toc{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin:22px 0}
.toc h2{font-size:.8rem;text-transform:uppercase;letter-spacing:1px;color:var(--muted);margin:0 0 8px}
.toc ol{margin:0;padding-left:20px;columns:2;column-gap:30px}
.toc a{color:var(--blue);font-weight:600;font-size:.93rem}
.prose-table{width:100%;border-collapse:collapse;margin:18px 0;font-size:.95rem}
.prose-table th{background:var(--navy);color:#fff;text-align:left;padding:10px 12px;font-size:.9rem}
.prose-table td{border:1px solid var(--line);padding:10px 12px;vertical-align:top}
.prose-table tr:nth-child(even) td{background:var(--surface-2)}
.prose h2{scroll-margin-top:84px}
.byline{color:var(--muted);font-size:.9rem;margin:-4px 0 14px}
@media(max-width:720px){.toc ol{columns:1}}

/* prose (service/guide body) */
.prose{max-width:760px}
.prose h2{margin-top:1.6em}
.prose ul{padding-left:1.2em}
.prose li{margin-bottom:.4em}
.faq dt{font-weight:700;color:var(--navy);margin-top:1.1em}
.faq dd{margin:.3em 0 0;color:var(--ink)}

/* responsive */
@media(min-width:720px){
  .grid--2{grid-template-columns:1fr 1fr}
  .grid--3{grid-template-columns:repeat(3,1fr)}
  h1{font-size:2.6rem}.hero h1{font-size:3.1rem}
}
@media(min-width:940px){
  .nav__links{display:flex}.nav__cta{display:flex}.nav__toggle{display:none}
  .section{padding:72px 0}
  .foot-grid{grid-template-columns:1.4fr 1fr 1fr 1fr}
}