*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
:root {
  --dark-blue:  #44546A;
  --light-blue: #8497B0;
  --dark-gray:  #404040;
  --med-gray:   #767171;
  --bg:         #F6F8FB;
  --white:      #ffffff;
  --border:     rgba(68,84,106,0.15);
  --border-med: rgba(68,84,106,0.28);
  --pad-x:      40px;
}
html { scroll-behavior: smooth; }
body { font-family: 'Roboto', sans-serif; color: var(--dark-gray); background: var(--bg); font-size: 15px; line-height: 1.7; }

/* NAV */
nav { position: sticky; top: 0; z-index: 100; background: rgba(255,255,255,0.96); backdrop-filter: blur(8px); border-bottom: 1px solid var(--border); }
.nav-inner { width: 100%; padding: 0 var(--pad-x) 0 24px; display: flex; align-items: center; justify-content: space-between; height: 80px; }
.nav-logo { display: flex; align-items: center; text-decoration: none; flex-shrink: 0; }
.nav-logo img.wordmark { height: 60px; width: auto; display: block; }
.nav-links { display: flex; align-items: center; gap: 2px; list-style: none; }
.nav-links a { display: block; padding: 6px 14px; border-radius: 6px; font-size: 17px; font-weight: 500; color: var(--dark-gray); text-decoration: none; transition: background 0.15s, color 0.15s; }
.nav-links a:hover { background: var(--bg); color: var(--dark-blue); }
.nav-contact-btn { padding: 7px 16px; background: var(--dark-blue); color: var(--white) !important; border-radius: 7px; font-size: 13px !important; font-weight: 600 !important; }
.nav-contact-btn:hover { background: #364558 !important; color: var(--white) !important; }
.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 4px; background: none; border: none; }
.hamburger span { width: 22px; height: 2px; background: var(--dark-blue); border-radius: 2px; display: block; }

/* DOC LAYOUT */
.doc-wrap { max-width: 1080px; margin: 0 auto; padding: 48px var(--pad-x) 80px; }
.breadcrumb { margin-bottom: 24px; }
.breadcrumb a { font-size: 13px; font-weight: 600; color: var(--light-blue); text-decoration: none; }
.breadcrumb a:hover { color: var(--dark-blue); }
.doc-label { font-size: 11px; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: var(--light-blue); margin-bottom: 10px; }
.doc-title { font-size: clamp(24px, 4vw, 36px); font-weight: 700; color: var(--dark-blue); letter-spacing: -0.025em; line-height: 1.15; margin-bottom: 12px; }
.doc-subtitle { font-size: 16px; color: var(--med-gray); line-height: 1.6; margin-bottom: 14px; font-style: italic; }
.doc-meta-row { display: flex; gap: 16px; align-items: center; flex-wrap: wrap; font-size: 13px; color: var(--med-gray); margin-bottom: 22px; }
.btn-download { display: inline-flex; align-items: center; gap: 8px; padding: 10px 20px; background: var(--dark-blue); color: var(--white); border-radius: 8px; font-size: 13px; font-weight: 600; text-decoration: none; transition: background 0.15s; margin-bottom: 44px; }
.btn-download:hover { background: #364558; }
.doc-divider { height: 1px; background: var(--border); margin-bottom: 44px; }

/* DOC BODY TYPOGRAPHY */
.doc-body { font-size: 15.5px; line-height: 1.78; color: var(--dark-gray); background: var(--white); border: 1px solid var(--border); border-radius: 10px; padding: 44px 48px; box-shadow: 0 1px 3px rgba(30,40,55,.05); }
.doc-body h2 { font-size: 20px; font-weight: 700; color: var(--dark-blue); margin-top: 44px; margin-bottom: 14px; padding-bottom: 8px; border-bottom: 2px solid var(--border); }
.doc-body h2.first { margin-top: 0; }
.doc-body h3 { font-size: 16px; font-weight: 700; color: var(--dark-blue); margin-top: 28px; margin-bottom: 10px; }
.doc-body p { margin-bottom: 16px; }
.doc-body p:last-child { margin-bottom: 0; }
.doc-body ul, .doc-body ol { padding-left: 24px; margin-bottom: 16px; }
.doc-body li { margin-bottom: 8px; }
.doc-body strong { color: var(--dark-blue); font-weight: 700; }
.doc-body em { font-style: italic; }
.doc-body blockquote { border-left: 3px solid var(--light-blue); margin: 24px 0; padding: 14px 20px; background: var(--bg); border-radius: 0 8px 8px 0; font-style: italic; }

/* TABLE */
.doc-body table { width: 100%; border-collapse: collapse; margin: 24px 0; font-size: 14px; }
.doc-body table thead th { background: var(--dark-blue); color: var(--white); padding: 10px 14px; text-align: center; font-weight: 700; font-size: 13px; }
.doc-body table thead th:first-child { text-align: left; }
.doc-body table tbody tr:nth-child(odd) { background: var(--bg); }
.doc-body table tbody td { padding: 9px 14px; border-bottom: 1px solid var(--border); text-align: center; }
.doc-body table tbody td:first-child { text-align: left; font-weight: 500; color: var(--dark-gray); }
.doc-body .row-header td { background: rgba(68,84,106,0.09) !important; font-weight: 700; color: var(--dark-blue) !important; font-size: 12px; letter-spacing: 0.04em; text-transform: uppercase; }
.doc-body .total-row td { font-weight: 700; background: rgba(68,84,106,0.06); color: var(--dark-blue) !important; }
.doc-body .savings-row td { font-weight: 700; background: rgba(56,161,105,0.09); color: #276749 !important; }
.table-note { font-size: 12px; color: var(--med-gray); margin-top: -16px; margin-bottom: 24px; font-style: italic; }

/* FAQ ACCORDION */
.faq-section-title { font-size: 18px; font-weight: 700; color: var(--dark-blue); border-bottom: 2px solid var(--border); padding-bottom: 8px; margin-bottom: 16px; margin-top: 40px; }
.faq-section-title.first { margin-top: 0; }
.faq-item { border: 1px solid var(--border); border-radius: 10px; overflow: hidden; margin-bottom: 6px; transition: border-color 0.15s; }
.faq-item.open { border-color: var(--light-blue); }
.faq-q { width: 100%; text-align: left; display: flex; align-items: flex-start; justify-content: space-between; gap: 16px; padding: 14px 18px; background: var(--white); border: none; cursor: pointer; font-size: 14.5px; font-weight: 600; color: var(--dark-blue); font-family: 'Roboto', sans-serif; transition: background 0.15s; line-height: 1.45; }
.faq-q:hover, .faq-item.open .faq-q { background: var(--bg); }
.faq-chevron { flex-shrink: 0; width: 18px; height: 18px; color: var(--light-blue); transition: transform 0.25s; margin-top: 2px; }
.faq-item.open .faq-chevron { transform: rotate(180deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.35s ease; }
.faq-item.open .faq-a { max-height: 3000px; }
.faq-a-inner { padding: 14px 18px 18px; font-size: 14.5px; line-height: 1.72; color: var(--dark-gray); border-top: 1px solid var(--border); }
.faq-a-inner p { margin-bottom: 12px; }
.faq-a-inner p:last-child { margin-bottom: 0; }
.faq-a-inner ul, .faq-a-inner ol { padding-left: 20px; margin-bottom: 12px; }
.faq-a-inner li { margin-bottom: 6px; }
.faq-a-inner strong { color: var(--dark-blue); }
.faq-a-inner em { font-style: italic; }
.faq-a-inner table { width: 100%; border-collapse: collapse; margin: 14px 0; font-size: 13px; }
.faq-a-inner table thead th { background: var(--dark-blue); color: #fff; padding: 8px 12px; font-weight: 700; text-align: center; font-size: 12px; }
.faq-a-inner table thead th:first-child { text-align: left; }
.faq-a-inner table tbody tr:nth-child(odd) { background: var(--bg); }
.faq-a-inner table tbody td { padding: 8px 12px; border-bottom: 1px solid var(--border); text-align: center; }
.faq-a-inner table tbody td:first-child { text-align: left; }
.faq-a-inner .row-header td { background: rgba(68,84,106,0.09) !important; font-weight: 700; color: var(--dark-blue) !important; font-size: 11px; text-transform: uppercase; letter-spacing: 0.04em; }
.faq-a-inner .total-row td { font-weight: 700; }
.faq-a-inner .savings-row td { font-weight: 700; color: #276749 !important; }

/* FOOTER */
.contact-section { background: var(--dark-blue); color: var(--white); padding: 64px var(--pad-x); text-align: center; }
.contact-inner { max-width: 600px; margin: 0 auto; }
.contact-section h2 { font-size: 24px; font-weight: 700; letter-spacing: -0.02em; margin-bottom: 10px; }
.contact-section p { font-size: 14px; opacity: 0.75; margin-bottom: 32px; }
.contact-links { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; margin-bottom: 36px; }
.contact-btn { display: inline-flex; align-items: center; gap: 8px; padding: 11px 22px; border-radius: 8px; font-size: 13.5px; font-weight: 600; text-decoration: none; transition: opacity 0.15s; }
.contact-btn.primary { background: var(--white); color: var(--dark-blue); }
.contact-btn:hover { opacity: 0.88; }
.contact-address { font-size: 13px; opacity: 0.6; line-height: 1.7; margin-bottom: 24px; }
.footer-legal { font-size: 11.5px; opacity: 0.45; margin-top: 8px; line-height: 1.6; }

/* MOBILE */
@media (max-width: 680px) {
  :root { --pad-x: 20px; }
  .nav-links { display: none; }
  .nav-links.open { display: flex; flex-direction: column; position: fixed; top: 64px; left: 0; right: 0; background: var(--white); border-bottom: 1px solid var(--border); padding: 12px; gap: 2px; z-index: 99; }
  .hamburger { display: flex; }
  .doc-wrap { padding: 32px 20px 60px; }
  .doc-body { padding: 28px 22px; }
  .contact-section { padding: 48px 20px; }
}