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

    html, body {
      font-family: inherit;
      color: #13304a;
      background: #f4f8fb;
      line-height: 1.6;
    }

    .hero {
      background: linear-gradient(180deg, #0d4d77 0%, #146695 62%, #1c7db0 100%);
      color: white;
      padding: 80px 20px;
      text-align: center;
      margin-top: 0;
    }

    .hero h1 {
      font-size: 48px;
      font-weight: 700;
      margin-bottom: 16px;
      font-family: inherit;
    }

    .hero p {
      font-size: 20px;
      max-width: 700px;
      margin: 0 auto;
      font-weight: 400;
      font-family: inherit;
    }

    .container {
      max-width: 1200px;
      margin: 0 auto;
      padding: 0 20px;
    }

    .breadcrumb {
      padding: 16px 20px;
      font-size: 14px;
      color: #114c76;
      background: white;
      border-bottom: 1px solid #d8e3ec;
      font-family: inherit;
    }

    .breadcrumb a {
      color: #114c76;
      text-decoration: none;
      font-weight: 600;
    }

    .breadcrumb a:hover {
      text-decoration: underline;
    }

    .breadcrumb span {
      margin: 0 8px;
      color: #888;
    }

    section {
      padding: 60px 20px;
    }

    .section-white {
      background: white;
    }

    .section-light {
      background: #f4f8fb;
    }

    h2 {
      font-size: 36px;
      font-weight: 700;
      margin-bottom: 24px;
      color: #0d4d77;
      font-family: inherit;
    }

    h3 {
      font-size: 24px;
      font-weight: 700;
      margin-top: 24px;
      margin-bottom: 16px;
      color: #0d4d77;
      font-family: inherit;
    }

    p {
      margin-bottom: 16px;
      font-size: 16px;
      line-height: 1.8;
    }

    .grid-2 {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 32px;
      margin-top: 32px;
    }

    .grid-3 {
      display: grid;
      grid-template-columns: 1fr 1fr 1fr;
      gap: 28px;
      margin-top: 32px;
    }

    .card {
      background: white;
      border: 1px solid #dbe8f0;
      border-radius: 22px;
      padding: 28px;
      transition: box-shadow 0.3s;
    }

    .card:hover {
      box-shadow: 0 8px 16px rgba(0, 0, 0, 0.08);
    }

    .card h3 {
      margin-top: 0;
      color: #0d4d77;
    }

    .card-icon {
      font-size: 40px;
      margin-bottom: 12px;
      display: block;
    }

    .condition-list {
      display: grid;
      grid-template-columns: 1fr;
      gap: 16px;
      margin-top: 24px;
    }

    .condition-item {
      background: white;
      border: 1px solid #dbe8f0;
      border-radius: 22px;
      padding: 24px;
      padding-left: 28px;
    }

    .condition-item h4 {
      font-size: 18px;
      font-weight: 700;
      color: #0d4d77;
      margin-bottom: 8px;
      font-family: inherit;
    }

    .condition-item p {
      margin-bottom: 0;
      font-size: 15px;
      color: #13304a;
    }

    .stat-box {
      background: white;
      border: 2px solid #1c7db0;
      border-radius: 22px;
      padding: 32px;
      text-align: center;
      margin: 24px 0;
    }

    .stat-number {
      font-size: 48px;
      font-weight: 700;
      color: #0d4d77;
      margin-bottom: 8px;
      font-family: inherit;
    }

    .stat-label {
      font-size: 16px;
      color: #13304a;
      font-weight: 600;
    }

    .button {
      display: inline-block;
      background: #0f5f94;
      color: white;
      padding: 14px 32px;
      border-radius: 999px;
      text-decoration: none;
      font-weight: 700;
      font-family: inherit;
      border: none;
      cursor: pointer;
      font-size: 16px;
      transition: background 0.3s;
    }

    .button:hover {
      background: #0d4d77;
    }

    .button-secondary {
      background: #f4f8fb;
      color: #0d4d77;
      border: 2px solid #0d4d77;
    }

    .button-secondary:hover {
      background: #e8f1f7;
    }

    .cta-section {
      background: linear-gradient(135deg, #0d4d77 0%, #146695 100%);
      color: white;
      padding: 60px 20px;
      text-align: center;
      border-radius: 22px;
      margin: 60px 20px;
    }

    .cta-section h2 {
      color: white;
      margin-bottom: 16px;
    }

    .cta-section p {
      color: rgba(255, 255, 255, 0.95);
      font-size: 18px;
      margin-bottom: 28px;
      max-width: 600px;
      margin-left: auto;
      margin-right: auto;
    }

    .cta-section .button {
      background: white;
      color: #0d4d77;
      font-weight: 700;
      padding: 14px 36px;
    }

    .cta-section .button:hover {
      background: #f4f8fb;
    }

    .checklist {
      list-style: none;
      margin: 24px 0;
    }

    .checklist li {
      padding: 12px 0;
      padding-left: 32px;
      position: relative;
      font-size: 16px;
      line-height: 1.7;
    }

    .checklist li:before {
      content: "✓";
      position: absolute;
      left: 0;
      color: #1c7db0;
      font-weight: 700;
      font-size: 18px;
    }

    .faq-item {
      background: white;
      border: 1px solid #dbe8f0;
      border-radius: 22px;
      padding: 28px;
      margin-bottom: 20px;
    }

    .faq-question {
      font-size: 18px;
      font-weight: 700;
      color: #0d4d77;
      margin-bottom: 12px;
      cursor: pointer;
      font-family: inherit;
    }

    .faq-answer {
      font-size: 16px;
      color: #13304a;
      line-height: 1.8;
    }

    .comparison-table {
      width: 100%;
      border-collapse: collapse;
      margin: 32px 0;
      background: white;
      border: 1px solid #dbe8f0;
      border-radius: 22px;
      overflow: hidden;
    }

    .comparison-table th,
    .comparison-table td {
      padding: 20px;
      text-align: left;
      border-bottom: 1px solid #dbe8f0;
      font-family: inherit;
    }

    .comparison-table th {
      background: #f4f8fb;
      font-weight: 700;
      color: #0d4d77;
    }

    .comparison-table tr:last-child td {
      border-bottom: none;
    }

    .comparison-table strong {
      color: #0d4d77;
    }

    .intro-text {
      font-size: 18px;
      line-height: 1.8;
      max-width: 800px;
      margin-bottom: 32px;
    }

    .highlight-box {
      background: #f4f8fb;
      border-left: 4px solid #1c7db0;
      padding: 20px;
      margin: 24px 0;
      border-radius: 8px;
      font-size: 16px;
      line-height: 1.7;
    }

    @media (max-width: 768px) {
      .grid-2,
      .grid-3 {
        grid-template-columns: 1fr;
      }

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

      h2 {
        font-size: 28px;
      }
    }

/* Explicit heading colors — main.css h1/h2{color:gray-900} overrides inherited white (see hero_banner_system) */
.hero h1 { color: #ffffff; }
.hero p { color: #ffffff; }