:root {
    --color-primary: #3CADD4;
    --color-secondary: #00A651;
    --color-navy: #1E3A5F;
    --color-gold: #ffd108;
    --color-white: #FFFFFF;
    --font-primary: 'Montserrat', sans-serif;
}
@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@400;600;700&display=swap');
* { margin: 0; padding: 0; box-sizing: border-box; }
body { font-family: var(--font-primary); font-size: 16px; font-weight: 400; line-height: 1.6; color: var(--color-navy); }
.container { max-width: 1200px; margin: 0 auto; padding: 0 2rem; }
h1 { font-size: 48px; font-weight: 700; }
h2 { font-size: 36px; font-weight: 700; }
h3 { font-size: 24px; font-weight: 700; }
p { font-size: 16px; font-weight: 400; }
small, .small-text { font-size: 14px; font-weight: 400; }
.btn { display: inline-block; padding: 0.875rem 1.75rem; font-weight: 600; border-radius: 8px; text-decoration: none; transition: all 0.3s; font-size: 16px; }
.btn-primary { background: var(--color-primary); color: white; }
.btn-primary:hover { background: #2E9BBF; transform: translateY(-2px); }
.btn-secondary { background: var(--color-secondary); color: white; }
.btn-navy { background: var(--color-navy); color: white; }
.btn-navy:hover { background: #152d4a; transform: translateY(-2px); }
.btn-gold { background: var(--color-gold); color: var(--color-navy); }
.btn-gold:hover { background: #e6bc07; transform: translateY(-2px); }
.btn-large { padding: 1.125rem 2.25rem; font-size: 1.125rem; }
.site-header { background: var(--color-navy); position: sticky; top: 0; z-index: 1000; padding: 0.75rem 0; }
.header-content { display: flex; align-items: center; justify-content: space-between; gap: 2rem; }
.logo-image { height: 100px; }
.main-nav { flex: 1; display: flex; justify-content: center; }
.nav-menu { display: flex; list-style: none; gap: 2rem; align-items: center; }
.nav-item a { color: white; font-weight: 500; text-decoration: none; }
.nav-item a:hover { color: var(--color-primary); }
.has-dropdown { position: relative; }
.dropdown-menu { position: absolute; top: 100%; left: 0; background: white; padding: 0.5rem 0; min-width: 280px; list-style: none; opacity: 0; visibility: hidden; transition: all 0.3s; box-shadow: 0 4px 12px rgba(0,0,0,0.1); border-radius: 8px; margin-top: 0.5rem; }
.has-dropdown:hover .dropdown-menu { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown-menu a { display: block; padding: 0.75rem 1.25rem; color: var(--color-navy); text-decoration: none; }
.dropdown-menu a:hover { background: #F8F9FA; color: var(--color-primary); }
.mobile-menu-toggle { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 0.5rem; }
.mobile-menu-toggle span { width: 28px; height: 3px; background: white; border-radius: 2px; }
.section { padding: 4rem 0; }
.section-header { text-align: center; margin-bottom: 3rem; }
.bg-light { background: #F8F9FA; }
.mt-lg { margin-top: 3rem; }
.site-footer { background: #1E3A5F; color: white; padding: 3rem 0 2rem; }
.footer-main-row { display: grid; grid-template-columns: 20% 40% 40%; gap: 1rem; align-items: center; margin-bottom: 2rem; }
.footer-logo-col { display: flex; justify-content: flex-start; }
.footer-logo { height: 75px; width: auto; }
.footer-contact-col { display: flex; flex-direction: column; align-items: flex-start; gap: 0.5rem; }
.footer-contact-item { display: flex; align-items: center; gap: 0.5rem; color: white; font-size: 14px; }
.footer-contact-item svg { stroke: white; flex-shrink: 0; }
.footer-contact-item a { color: white; text-decoration: none; transition: color 0.3s; }
.footer-contact-item a:hover { color: #3CADD4; }
.footer-social-col { display: flex; justify-content: flex-end; gap: 2.5rem; }
.footer-social-col a { width: 40px; height: 40px; display: flex; align-items: center; justify-content: center; background: rgba(255,255,255,0.1); border-radius: 50%; color: white; transition: all 0.3s; }
.footer-social-col a:hover { background: #3CADD4; transform: translateY(-3px); }
.footer-disclosures { text-align: center; max-width: 1000px; margin: 0 auto 2rem; padding: 0 1rem; }
.footer-disclosures p { font-size: 10px; color: rgba(255,255,255,0.7); line-height: 1.7; margin: 0; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 1.5rem; text-align: center; font-size: 14px; }
.footer-bottom a { color: white; text-decoration: none; transition: color 0.3s; }
.footer-bottom a:hover { color: #3CADD4; }
.footer-divider { margin: 0 0.75rem; color: rgba(255,255,255,0.5); }
@media (max-width: 768px) {
    .mobile-menu-toggle { display: flex; }
    .main-nav { position: fixed; top: 0; left: 0; right: 0; bottom: 0; background: var(--color-navy); flex-direction: column; justify-content: center; opacity: 0; visibility: hidden; }
    .main-nav.active { opacity: 1; visibility: visible; }
    .nav-menu { flex-direction: column; gap: 0; width: 100%; padding: 2rem; }
    .nav-item { width: 100%; border-bottom: 1px solid rgba(255,255,255,0.1); }
    .nav-item a { display: block; padding: 1rem 0; font-size: 1.25rem; }
    .header-cta { display: none; }
    .footer-main-row { grid-template-columns: 1fr; gap: 1.5rem; text-align: center; }
    .footer-logo-col { justify-content: center; }
    .footer-contact-col { align-items: flex-start; }
    .footer-contact-item { justify-content: flex-start; font-size: 12px; }
    .footer-social-col { justify-content: center; flex-wrap: wrap; }
    .footer-bottom { font-size: 12px; }
    .footer-bottom span, .footer-bottom a { display: block; margin-bottom: 0.5rem; }
    .footer-divider { display: none; }
}

/* TL;DR Box Styles */
.tldr-box {
  background: linear-gradient(135deg, #f0f9ff 0%, #e0f2fe 100%);
  border-left: 4px solid #0284c7;
  border-radius: 8px;
  padding: 1.25rem 1.5rem;
  margin: 1.5rem 0;
  box-shadow: 0 2px 4px rgba(0, 0, 0, 0.05);
}

.tldr-label {
  font-weight: 700;
  font-size: 0.875rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: #0369a1;
  margin-bottom: 0.5rem;
}

.tldr-content {
  color: #1e293b;
  line-height: 1.6;
}

.tldr-content p {
  margin: 0;
}

/* Key Takeaways Box Styles */
.key-takeaways-box {
  background: linear-gradient(135deg, #f0fdf4 0%, #dcfce7 100%);
  border-left: 4px solid #16a34a;
  border-radius: 8px;
  padding: 1.25rem 1.5rem;
  margin: 1.5rem 0;
  box-shadow: 0 2px 4px rgba(0, 0, 0, 0.05);
}

.key-takeaways-label {
  font-weight: 700;
  font-size: 0.875rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: #15803d;
  margin-bottom: 0.75rem;
}

.key-takeaways-content {
  color: #1e293b;
  line-height: 1.6;
}

.key-takeaways-content ul {
  margin: 0;
  padding-left: 1.25rem;
}

.key-takeaways-content li {
  margin-bottom: 0.5rem;
}

.key-takeaways-content li:last-child {
  margin-bottom: 0;
}