:root {
    --blue: #073b63;
    --blue2: #0b5f9e;
    --accent: #0d7bd6;
    --green: #2f8a33;
    --light: #eef6fb;
    --light2: #f7fbff;
    --text: #102033;
    --muted: #57677a;
    --border: #d8e3ec;
}

* {
    box-sizing: border-box;
}

body {
    margin: 0;
    font-family: Arial, Helvetica, sans-serif;
    color: var(--text);
    line-height: 1.58;
    background: #ffffff;
}

a {
    color: #064f86;
    text-decoration: none;
}

a:hover {
    text-decoration: underline;
}

code {
    background: #f1f5f8;
    border: 1px solid var(--border);
    border-radius: 4px;
    padding: 1px 5px;
}

.wrap {
    max-width: 1180px;
    margin: 0 auto;
    padding: 0 24px;
}

.site-header {
    background: #ffffff;
    border-bottom: 1px solid var(--border);
}

.brand {
    display: flex;
    gap: 20px;
    align-items: center;
    padding: 14px 0;
}

.brand img {
    width: 150px;
    max-height: 78px;
    object-fit: contain;
}

.brand-title {
    font-size: 28px;
    color: #00335f;
    font-weight: 600;
}

.brand-subtitle {
    font-size: 18px;
    color: var(--blue2);
    font-style: italic;
    margin-top: 2px;
}

.top-nav {
    background: var(--blue);
}

.top-nav .wrap {
    display: flex;
    flex-wrap: wrap;
}

.top-nav a {
    color: #ffffff;
    padding: 13px 17px;
    display: block;
    font-weight: 600;
}

.top-nav a:hover,
.top-nav a.active {
    background: #0b568a;
    text-decoration: none;
}

.hero {
    background: linear-gradient(135deg, #f3f9ff 0%, #e8f4ff 54%, #ffffff 100%);
    border-bottom: 1px solid var(--border);
    padding: 42px 0;
}

.hero .eyebrow {
    font-size: 14px;
    letter-spacing: 0.12em;
    color: var(--blue2);
    text-transform: uppercase;
    font-weight: 700;
}

.hero h1 {
    font-size: 42px;
    line-height: 1.12;
    margin: 8px 0 14px;
    color: var(--blue);
}

.hero p {
    font-size: 19px;
    color: #334b63;
    max-width: 840px;
}

.page-layout {
    display: grid;
    grid-template-columns: 190px minmax(0, 1fr);
    gap: 32px;
    padding: 24px 24px 42px;
}

.left-menu {
    align-self: start;
    position: sticky;
    top: 12px;
    background: var(--light2);
    border: 1px solid var(--border);
    border-radius: 8px;
    padding: 14px;
}

.left-menu h2 {
    font-size: 14px;
    color: var(--blue);
    margin: 0 0 8px;
    text-transform: uppercase;
    letter-spacing: 0.03em;
}

.left-menu h3 {
    font-size: 14px;
    color: var(--blue);
    margin: 14px 0 8px;
    border-top: 1px solid var(--border);
    padding-top: 12px;
}

.left-menu a {
    display: block;
    padding: 6px;
    border-radius: 5px;
    font-size: 15px;
}

.left-menu a:hover,
.left-menu a.active {
    background: #e4f1fa;
    text-decoration: none;
}

.content h2 {
    font-size: 28px;
    color: #102033;
    margin: 0 0 16px;
}

.content h3 {
    font-size: 21px;
    color: var(--blue);
    margin: 0 0 8px;
}

.content p {
    margin: 0 0 14px;
}

.lead {
    font-size: 18px;
    color: #344b61;
}

.section-title {
    display: flex;
    align-items: center;
    gap: 14px;
    margin: 28px 0 16px;
}

.section-title::before,
.section-title::after {
    content: "";
    height: 2px;
    background: #8eb7dc;
    flex: 1;
}

.section-title h2 {
    margin: 0;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    font-size: 22px;
    color: var(--blue);
}

.cards {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 18px;
    margin: 22px 0;
}

.card {
    border: 1px solid var(--border);
    border-radius: 10px;
    padding: 18px;
    background: #ffffff;
    box-shadow: 0 4px 14px rgba(7, 59, 99, 0.04);
}

.card h3 {
    font-size: 19px;
    line-height: 1.25;
    font-weight: 700;
    color: var(--blue);
}

.card p {
    font-size: 15.5px;
    line-height: 1.58;
}

.service-description {
    font-size: 15.5px;
    line-height: 1.55;
    color: #334b63;
    margin: 8px 0 0;
    font-weight: 400;
}

.card .label {
    display: inline-block;
    font-size: 12px;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--blue2);
    font-weight: 700;
    margin-bottom: 8px;
}

.product-card {
    border-top: 5px solid var(--blue2);
}

.product-card.green {
    border-top-color: var(--green);
}

.product-card.purple {
    border-top-color: #6746a6;
}

.product-card.orange {
    border-top-color: #d36d00;
}

.product-card.sky {
    border-top-color: #1687d9;
}

.notice {
    background: #f0f7fc;
    border-left: 4px solid #0b5792;
    padding: 14px;
    margin: 18px 0;
}

.notice.error {
    background: #fff3f3;
    border-left-color: #c23232;
}

.resource-list {
    padding-left: 22px;
}

.resource-list li {
    margin: 8px 0;
}

.sub-nav {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin: 10px 0 24px;
}

.sub-nav a {
    border: 1px solid var(--border);
    border-radius: 5px;
    padding: 8px 10px;
    background: #f7fbff;
}

.sub-nav a:hover,
.sub-nav a.active {
    background: #e4f1fa;
    text-decoration: none;
}

.feedback-form,
.login-form {
    max-width: 680px;
}

.feedback-form label,
.login-form label {
    display: block;
    font-weight: 700;
    margin: 14px 0;
}

.feedback-form input,
.feedback-form select,
.feedback-form textarea,
.login-form input {
    display: block;
    width: 100%;
    margin-top: 6px;
    padding: 10px;
    border: 1px solid var(--border);
    border-radius: 5px;
    font: inherit;
}

.btn {
    display: inline-block;
    background: #08528b;
    color: #ffffff;
    padding: 11px 17px;
    border-radius: 5px;
    margin: 8px 8px 8px 0;
    font-weight: 700;
    border: 0;
    cursor: pointer;
}

.btn.secondary {
    background: #eef3f7;
    color: var(--blue);
    border: 1px solid var(--border);
}

.btn:hover {
    text-decoration: none;
    filter: brightness(1.05);
}

.site-footer {
    background: #f4f7fa;
    border-top: 1px solid var(--border);
    padding: 30px 0;
    color: #5d6876;
    margin-top: 30px;
}

.site-footer strong {
    color: var(--blue);
}

@media (max-width: 900px) {
    .page-layout {
        display: block;
    }

    .left-menu {
        position: static;
        margin-bottom: 24px;
    }

    .hero h1 {
        font-size: 32px;
    }

    .brand {
        align-items: flex-start;
    }

    .brand-title {
        font-size: 23px;
    }

    .brand-subtitle {
        font-size: 16px;
    }

    .brand img {
        width: 120px;
    }

    .top-nav a {
        padding: 11px 12px;
    }
}

/* Contact form --------------------------------------------------------- */
.contact-form {
    margin-top: 18px;
}

.contact-note {
    background: var(--light2);
}

.form-help {
    color: var(--muted);
    margin-top: 0;
}

.form-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 18px;
}

.contact-form label {
    display: block;
    margin: 14px 0;
    font-weight: 700;
    color: var(--blue);
}

.contact-form input,
.contact-form select,
.contact-form textarea {
    display: block;
    width: 100%;
    margin-top: 6px;
    padding: 10px;
    border: 1px solid var(--border);
    border-radius: 5px;
    font: inherit;
    font-weight: 400;
    color: var(--text);
    background: #ffffff;
}

.contact-form textarea {
    resize: vertical;
}

.hp-field {
    position: absolute;
    left: -9999px;
    height: 0;
    overflow: hidden;
}

@media (max-width: 700px) {
    .form-grid {
        grid-template-columns: 1fr;
        gap: 0;
    }
}

/* ETFOMM product pages */
.etfomm-hero {
    background: linear-gradient(135deg, #eef8ff 0%, #f7fbff 62%, #ffffff 100%);
}

.sub-nav {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin: 0 0 22px;
    padding: 12px;
    background: #f4f9fd;
    border: 1px solid var(--border);
    border-radius: 10px;
}

.sub-nav a {
    display: inline-block;
    padding: 7px 10px;
    border-radius: 6px;
    font-size: 14px;
    font-weight: 700;
    color: #073b63;
}

.sub-nav a:hover,
.sub-nav a.active {
    background: #0b5f9e;
    color: #fff;
    text-decoration: none;
}

.content-section {
    margin: 0 0 28px;
}

.feature-columns {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 18px;
}

.feature-columns ul,
.two-column-list {
    margin-top: 0;
}

.two-column-list {
    columns: 2;
    column-gap: 36px;
}

.two-column-list li {
    break-inside: avoid;
}

.callout-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 14px;
}

@media (max-width: 760px) {
    .two-column-list {
        columns: 1;
    }
}


.source-note {
    color: var(--muted);
    font-size: 14px;
    margin-top: 14px;
}

.footer-disclaimer {
    max-width: 980px;
    font-size: 13px;
    line-height: 1.5;
    color: #66727f;
}