/* Minimal, finance-appropriate baseline styles */
:root {
  --brand: #0A4C8A;
  --accent: #1572A1;
  --text: #1A1A1A;
  --muted: #6B7280;
  --bg: #ffffff;
  --surface: #f8fafc;
}
* { box-sizing: border-box; }
html, body { height: 100%; }
body {
  margin: 0;
  color: var(--text);
  background: var(--bg);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Noto Sans SC", "Helvetica Neue", Arial, "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei", sans-serif;
  line-height: 1.6;
}
.container { max-width: 72rem; margin: 0 auto; padding: 0 1.25rem; }
.skip-link { position: absolute; left: -9999px; }
.skip-link:focus { position: fixed; top: 0.5rem; left: 0.5rem; z-index: 1000; background: #fff; padding: 0.5rem 1rem; border: 2px solid var(--accent); border-radius: 4px; }

/* Header */
.site-header { border-bottom: 1px solid #e5e7eb; background: #fff; }
.header-inner { display: flex; align-items: center; justify-content: space-between; padding: 0.75rem 0; gap: 1rem; }
.brand { text-decoration: none; color: var(--text); display: flex; flex-direction: column; }
.brand-name { font-weight: 700; font-size: 1.125rem; }
.brand-tagline { color: var(--muted); font-size: .875rem; }
.main-nav ul { list-style: none; display: flex; gap: 1rem; margin: 0; padding: 0; }
.main-nav a { text-decoration: none; color: var(--text); padding: .5rem .75rem; border-radius: .375rem; }
.main-nav a:hover { background: #f3f4f6; }

/* Language Switcher */
.language-switcher { position: relative; }
.language-toggle { background: none; border: 1px solid #e5e7eb; border-radius: .375rem; padding: .5rem .75rem; cursor: pointer; font-size: .875rem; color: var(--text); list-style: none; }
.language-toggle:hover { background: #f3f4f6; }
.language-toggle::-webkit-details-marker { display: none; }
.language-menu { display: none; position: absolute; top: 100%; right: 0; background: #fff; border: 1px solid #e5e7eb; border-radius: .375rem; list-style: none; margin: .25rem 0 0; padding: .25rem 0; min-width: 120px; z-index: 100; }
.language-menu li { margin: 0; }
.language-menu a { display: block; padding: .5rem .75rem; text-decoration: none; color: var(--text); font-size: .875rem; }
.language-menu a:hover { background: #f3f4f6; }
.language-switcher[open] .language-menu { display: block; }

/* Hero */
.hero { background: linear-gradient(180deg, #f8fafc, #fff); border-bottom: 1px solid #e5e7eb; }
.hero-inner { padding: 3rem 0; text-align: center; }
.hero h1 { font-size: clamp(1.75rem, 2.5vw, 2.5rem); margin: 0 0 .75rem; }
.hero .subhead { color: var(--muted); margin-bottom: 1.25rem; }
.cta-group { display: inline-flex; gap: .75rem; }

/* Buttons */
.btn { display: inline-block; text-decoration: none; font-weight: 600; border-radius: .5rem; padding: .625rem 1rem; }
.btn-primary { background: var(--brand); color: #fff; }
.btn-primary:hover { background: #083b6a; }
.btn-secondary { background: #eef2f7; color: var(--text); }
.btn-secondary:hover { background: #e6ebf2; }

/* Page */
.page-header { padding: 2rem 0 1rem; border-bottom: 1px solid #e5e7eb; }
.page-header .lead { color: var(--muted); }
.page-content { padding: 1rem 0 2rem; }

/* List */
.list { padding: 1rem 0 2rem; }
.list-item { padding: 1rem 0; border-bottom: 1px solid #e5e7eb; }
.list-item h2 { margin: 0 0 .25rem; font-size: 1.125rem; }
.list-item .muted { color: var(--muted); font-size: .875rem; }

/* Bento */
.bento { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; padding: 1.5rem 0 2rem; }
.card { background: var(--surface); border: 1px solid #e5e7eb; border-radius: .75rem; padding: 1rem; display: flex; flex-direction: column; height: 100%; }
.card h3 { margin: 0 0 .5rem; font-size: 1rem; }
.card p { margin: 0 0 .75rem; color: var(--muted); }
.card ul { margin: 0 0 .75rem; padding-left: 1.25rem; color: var(--muted); }
.card li { margin-bottom: .25rem; }
.card .readmore { color: var(--brand); text-decoration: none; font-weight: 600; margin-top: auto; }
.card .readmore:hover { text-decoration: underline; }

/* Footer */
.site-footer { border-top: 1px solid #e5e7eb; background: #fff; }
.footer-inner {
  display: grid;
  grid-template-columns: minmax(0, 2fr) minmax(0, 1fr) minmax(0, 1.1fr);
  gap: 2rem;
  padding: 2rem 0;
  align-items: start;
}
.footer-block { display: grid; gap: .5rem; }
.footer-block p { margin: 0; }
.footer-block .muted { color: var(--muted); }
.footer-heading { margin: 0; font-size: .875rem; font-weight: 600; letter-spacing: .02em; text-transform: uppercase; color: var(--muted); }
.footer-meta { justify-self: center; text-align: center; }
.footer-meta p { margin: 0; }
.footer-contact { justify-self: end; text-align: right; }
.footer-contact address { margin: 0; font-style: normal; line-height: 1.4; }
.footer-contact-link { color: var(--text); text-decoration: none; font-weight: 600; }
.footer-contact-link:hover { color: var(--brand); text-decoration: underline; }

/* Responsive */
@media (max-width: 960px) {
  .header-inner { flex-wrap: wrap; }
  .main-nav { order: 3; width: 100%; }
  .language-switcher { margin-left: auto; }
  .bento { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; gap: 1.5rem; }
  .footer-meta,
  .footer-contact { justify-self: start; text-align: left; }
}