:root {
    --primary-navy: #0b2545;
    --deep-navy: #012b40;
    --accent-red: #DB2020;
    --text-gray: #4a5568;
    --bg-light-gray: #ebebeb;
    --bg-white: #fff;
    --bg-cream: #f4f0e6;
    --border-color: #d1d1d1
}

* {
    margin: 0;
    padding: 0;
    box-sizing: border-box
}

body {
    font-family: 'Inter',sans-serif;
    color: var(--text-gray);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased
}

img {
    max-width: 100%;
    height: auto;
    display: block
}

.kicker {
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    color: var(--accent-red);
    margin-bottom: 16px
}

h1,h2,h3,h4 {
    color: var(--primary-navy);
    margin-bottom: 20px
}

.hero-heading {
    font-size: 2.5rem;
    font-weight: 800;
    line-height: 1.2;
    margin-bottom: 10px
}

.hero-subheading {
    font-size: 1.75rem;
    font-weight: 400;
    line-height: 1.3;
    margin-bottom: 30px
}

.section-heading {
    font-size: 2rem;
    font-weight: 800;
    line-height: 1.2
}

.card-title {
    font-size: 1.25rem;
    font-weight: 700;
    margin-bottom: 15px;
    color: var(--primary-navy)
}

p {
    margin-bottom: 20px;
    font-size: 1rem
}

.section {
    padding: 80px 20px
}

.bg-gray {
    background-color: var(--bg-light-gray)
}

.bg-white {
    background-color: var(--bg-white)
}

.bg-navy {
    background-color: var(--deep-navy);
    color: var(--bg-white)
}

.bg-navy h2,.bg-navy h3 {
    color: var(--bg-white)
}

.bg-navy p {
    color: var(--bg-white);
    opacity: .9
}

.container {
    max-width: 1200px;
    margin: 0 auto
}

.container-sm {
    max-width: 800px;
    margin: 0 auto
}

.text-center {
    text-align: center
}

.red-divider {
    width: 60px;
    height: 3px;
    background-color: var(--accent-red);
    margin: 30px auto
}

.cta-link {
    display: inline-block;
    color: var(--accent-red);
    font-weight: 700;
    text-decoration: none;
    font-size: 1rem;
    margin-top: 10px;
    transition: opacity .3s
}

.cta-link:hover {
    opacity: .8
}

.btn-primary {
    color: var(--accent-red);
    font-size: 1.1rem;
    font-weight: 700;
    background: var(--bg-white);
    padding: 12px 32px;
    border-radius: 4px;
    display: inline-block;
    margin-top: 20px;
    text-decoration: none;
    transition: background .3s
}

.btn-primary:hover {
    background: var(--bg-light-gray)
}

.split-layout {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: flex-start
}

.split-image-container img {
    border-radius: 12px;
    box-shadow: 0 10px 30px rgba(0,0,0,0.05);
    width: 100%
}

.line-list {
    margin-top: 20px;
    margin-bottom: 30px
}

.line-list li {
    padding: 16px 0;
    border-bottom: 1px solid var(--border-color);
    font-size: .95rem;
    color: var(--text-gray)
}

.line-list li:first-child {
    border-top: 1px solid var(--border-color)
}

.process-list {
    list-style: none;
    padding-left: 20px;
    border-left: 3px solid var(--accent-red)
}

.process-list li {
    position: relative;
    padding-left: 15px;
    margin-bottom: 30px
}

.process-list h4 {
    margin-bottom: 8px;
    font-size: 1.15rem;
    color: var(--primary-navy)
}

.process-list p {
    margin-bottom: 0;
    font-size: .95rem
}

.cards-container {
    display: grid;
    grid-template-columns: repeat(auto-fit,minmax(320px,1fr));
    gap: 30px;
    margin-top: 60px
}

.card {
    background: var(--bg-white);
    padding: 50px 40px 40px;
    position: relative;
    border: 1px solid var(--border-color);
    border-top: 4px solid var(--primary-navy);
    box-shadow: 0 10px 30px rgba(0,0,0,0.03);
    border-radius: 6px
}

.card-icon {
    position: absolute;
    top: -25px;
    left: 40px;
    width: 50px;
    height: 50px;
    background-color: var(--primary-navy);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 4px 10px rgba(0,0,0,0.1)
}

.card-icon svg {
    width: 16px;
    height: 16px;
    stroke: var(--accent-red);
    fill: none;
    stroke-width: 2.5;
    stroke-linecap: round;
    stroke-linejoin: round
}

.card-list {
    list-style: none;
    text-align: left;
}

.card-list li {
    font-size: .9rem;
    margin-bottom: 12px;
    color: var(--text-gray);
    position: relative;
    padding-left: 15px
}

.card-list li::before {
    content: "•";
    color: var(--accent-red);
    position: absolute;
    left: 0;
    font-weight: bold
}

.stats-card-wrapper {
    background-color: var(--bg-cream);
    padding: 30px;
    max-width: 900px;
    margin: 40px auto 0;
    box-shadow: 0 20px 40px rgba(0,0,0,0.15)
}

.stats-card-inner {
    background-color: var(--accent-red);
    padding: 60px 40px;
    text-align: center
}

.stats-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 15px;
    margin: 40px 0;
    text-align: left
}

.stats-list li {
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--deep-navy);
    line-height: 1.4;
    letter-spacing: 0
}

.stats-desc {
    color: var(--bg-white);
    font-size: 1.25rem;
    font-weight: 500;
    margin-bottom: 0
}

.faq-accordion {
    margin-top: 40px;
    border-top: 1px solid var(--border-color)
}

.faq-item {
    border-bottom: 1px solid var(--border-color)
}

.faq-question {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 30px 0;
    cursor: pointer;
    color: var(--deep-navy);
    font-size: 1.15rem;
    font-weight: 700
}

.faq-icon {
    width: 48px;
    height: 48px;
    min-width: 48px;
    background-color: var(--deep-navy);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: transform .3s ease;
    transform: rotate(-45deg)
}

.faq-icon svg {
    width: 16px;
    height: 16px;
    stroke: var(--accent-red);
    stroke-width: 2.5;
    fill: none
}

.faq-item.active .faq-icon {
    transform: rotate(0)
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height .4s ease,padding .4s ease,opacity .4s ease;
    opacity: 0
}

.faq-item.active .faq-answer {
    max-height: 400px;
    padding-bottom: 30px;
    opacity: 1
}

.faq-answer p {
    margin-bottom: 0;
    color: var(--deep-navy);
    opacity: .85;
    font-size: 1.05rem;
    line-height: 1.6;
    padding-right: 60px
}

.meta-text {
    font-size: 10px;
    color: #888;
    margin-bottom: 30px;
    text-transform: uppercase;
    letter-spacing: 1px
}

.hero-image {
    margin: 40px auto;
    border-radius: 12px;
    max-width: 900px;
    box-shadow: 0 20px 40px rgba(0,0,0,0.1)
}

@media(max-width: 992px) {
    .split-layout {
        grid-template-columns:1fr;
        gap: 50px
    }

    .stats-list li {
        font-size: 1.15rem
    }

    .stats-card-inner {
        padding: 40px 20px
    }

    .hero-heading {
        font-size: 2rem
    }

    .hero-subheading {
        font-size: 1.5rem
    }
}