:root {
  --ia-navy: #1B3557;
  --ia-steel: #4C7FA6;
  --ia-amber: #E6A832;
  --ia-cream: #F5F7FA;
  --ia-white: #FFFFFF;
  --ia-ink: #1A1F2C;
  --ia-muted: #596275;
  --ia-border: #D6DDE8;
  --ia-ice: #EBF2F9;
  --ia-shadow-sm: 0 1px 4px rgba(27, 53, 87, 0.07);
  --ia-shadow-md: 0 3px 12px rgba(27, 53, 87, 0.10);
  --ia-shadow-lg: 0 6px 24px rgba(27, 53, 87, 0.14);
  --ia-radius: 5px;
  --ia-radius-lg: 10px;
  --ia-wrap: 1180px;
  --ia-prose: 740px;
  --ia-gap: 1.5rem;
  --ia-gap-lg: 2.5rem;
  --ia-gap-xl: 4rem;
  --ia-gap-xxl: 6rem;
  --ia-font-sans: -apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;
  --ia-font-serif: Georgia, 'Times New Roman', serif;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--ia-font-sans);
  font-size: 1rem;
  line-height: 1.72;
  color: var(--ia-ink);
  background-color: var(--ia-cream);
}

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

a { color: var(--ia-steel); text-decoration: none; }
a:hover { color: var(--ia-navy); text-decoration: underline; }
a:focus-visible { outline: 2px solid var(--ia-amber); outline-offset: 3px; border-radius: var(--ia-radius); }

h1, h2, h3, h4 {
  font-family: var(--ia-font-serif);
  line-height: 1.22;
  color: var(--ia-navy);
}

h1 { font-size: clamp(1.9rem, 4.2vw, 3rem); }
h2 { font-size: clamp(1.45rem, 3vw, 2.1rem); margin-bottom: 0.9rem; }
h3 { font-size: clamp(1.05rem, 2vw, 1.3rem); margin-bottom: 0.5rem; }
h4 { font-size: 0.98rem; margin-bottom: 0.4rem; font-family: var(--ia-font-sans); font-weight: 700; }

p { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

ul, ol { padding-left: 1.5em; }
li { margin-bottom: 0.3em; }

strong { font-weight: 700; }

.ia-wrap {
  max-width: var(--ia-wrap);
  margin-left: auto;
  margin-right: auto;
  padding-left: var(--ia-gap);
  padding-right: var(--ia-gap);
}

.ia-wrap--narrow {
  max-width: var(--ia-prose);
}

.ia-accent-bar {
  display: block;
  width: 44px;
  height: 4px;
  background: var(--ia-amber);
  border-radius: 2px;
  margin-bottom: 0.8rem;
}

.ia-eyebrow {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ia-amber);
  margin-bottom: 0.6rem;
}

.ia-eyebrow--light {
  color: rgba(230, 168, 50, 0.9);
}

.ia-section-intro {
  font-size: 1.06rem;
  color: var(--ia-muted);
  max-width: 600px;
  margin-bottom: var(--ia-gap);
}

.ia-section-intro--center {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

.ia-text-center { text-align: center; }

.ia-muted-text { color: var(--ia-muted); }

.ia-mb-0 { margin-bottom: 0; }
.ia-mb-md { margin-bottom: 1.6rem; }
.ia-mt-sm { margin-top: 1.2rem; }
.ia-mt-md { margin-top: 2rem; }
.ia-mt-lg { margin-top: 2.5rem; }
.ia-mt-xl { margin-top: 3rem; }

.ia-accent-bar--center {
  margin-left: auto;
  margin-right: auto;
}

.ia-actions-center {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
}

.ia-btn--block {
  width: 100%;
  text-align: center;
  display: block;
}

.ia-sidebar-note {
  font-size: 0.86rem;
  color: var(--ia-muted);
}

.ia-sidebar-note--mb {
  font-size: 0.86rem;
  color: var(--ia-muted);
  margin-bottom: 0.6rem;
}

address { font-style: normal; }

.ia-address-block {
  line-height: 1.85;
  margin-bottom: 1rem;
}

.ia-address-wide {
  line-height: 2;
  margin-bottom: 1.5rem;
}

.ia-h2-section { margin-top: 2.5rem; }

.ia-sidebar-panel--stacked {
  margin-top: 1.2rem;
}

.ia-feature-rows--spaced {
  margin-top: 3rem;
}

.ia-process--spaced {
  margin-top: 2rem;
}

.ia-legal-nav--spaced {
  margin-top: 3rem;
}

.ia-h2-section {
  margin-top: 2.5rem;
}

.ia-sidebar-panel--flush {
  margin-bottom: 0;
}

.ia-cols-2-aligned {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--ia-gap-lg);
  align-items: start;
  margin-bottom: var(--ia-gap-lg);
}

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



/* ── SITE HEADER ──────────────────────────────────── */

.ia-site-header {
  background: var(--ia-white);
  border-bottom: 3px solid var(--ia-navy);
  position: sticky;
  top: 0;
  z-index: 200;
  box-shadow: var(--ia-shadow-md);
}

.ia-header-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 0.85rem;
  padding-bottom: 0.85rem;
  gap: var(--ia-gap);
}

.ia-logo {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  text-decoration: none;
  flex-shrink: 0;
}

.ia-logo-mark {
  width: 38px;
  height: 38px;
  flex-shrink: 0;
}

.ia-logo-text {
  font-family: var(--ia-font-serif);
  font-size: 1.12rem;
  font-weight: 700;
  color: var(--ia-navy);
  letter-spacing: -0.01em;
}

.ia-logo:hover .ia-logo-text { color: var(--ia-steel); text-decoration: none; }

.ia-nav-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  align-items: center;
  gap: 0.2rem;
  flex-wrap: wrap;
}

.ia-nav-item {}

.ia-nav-link {
  display: block;
  padding: 0.35rem 0.7rem;
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--ia-ink);
  text-decoration: none;
  border-radius: var(--ia-radius);
  transition: background-color 0.15s, color 0.15s;
}

.ia-nav-link:hover,
.ia-nav-link[aria-current="page"] {
  background-color: var(--ia-ice);
  color: var(--ia-navy);
  text-decoration: none;
}

.ia-nav-link[aria-current="page"] {
  font-weight: 700;
  color: var(--ia-navy);
}

.ia-nav-link--cta {
  background-color: var(--ia-navy);
  color: var(--ia-white) !important;
  padding: 0.4rem 1rem;
  border-radius: var(--ia-radius);
}

.ia-nav-link--cta:hover {
  background-color: var(--ia-steel) !important;
  text-decoration: none;
  color: var(--ia-white) !important;
}


/* ── HERO ─────────────────────────────────────────── */

.ia-hero {
  background-color: var(--ia-navy);
  color: var(--ia-white);
  padding: var(--ia-gap-xxl) 0;
  overflow: hidden;
}

.ia-hero-layout {
  display: grid;
  grid-template-columns: 55% 1fr;
  gap: var(--ia-gap-xl);
  align-items: center;
}

.ia-hero-title {
  color: var(--ia-white);
  margin-bottom: 1.2rem;
  line-height: 1.18;
}

.ia-hero-title mark {
  background: none;
  color: var(--ia-amber);
}

.ia-hero-body {
  font-size: 1.08rem;
  color: rgba(255,255,255,0.82);
  margin-bottom: 2rem;
  max-width: 540px;
}

.ia-hero-actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

.ia-hero-visual {
  display: flex;
  justify-content: flex-end;
  align-items: center;
}

.ia-hero-visual img,
.ia-hero-visual svg {
  max-width: 100%;
  width: 100%;
  height: auto;
}


/* ── BUTTONS ──────────────────────────────────────── */

.ia-btn {
  display: inline-block;
  font-family: var(--ia-font-sans);
  font-size: 0.92rem;
  font-weight: 600;
  padding: 0.65rem 1.4rem;
  border-radius: var(--ia-radius);
  text-decoration: none;
  cursor: pointer;
  border: 2px solid transparent;
  transition: background-color 0.18s, color 0.18s, border-color 0.18s;
  line-height: 1.4;
}

.ia-btn:focus-visible {
  outline: 2px solid var(--ia-amber);
  outline-offset: 3px;
}

.ia-btn--amber {
  background: var(--ia-amber);
  color: var(--ia-navy);
  border-color: var(--ia-amber);
}

.ia-btn--amber:hover {
  background: #cf9420;
  border-color: #cf9420;
  color: var(--ia-navy);
  text-decoration: none;
}

.ia-btn--ghost-light {
  background: transparent;
  color: var(--ia-white);
  border-color: rgba(255,255,255,0.45);
}

.ia-btn--ghost-light:hover {
  border-color: var(--ia-white);
  background: rgba(255,255,255,0.08);
  color: var(--ia-white);
  text-decoration: none;
}

.ia-btn--navy {
  background: var(--ia-navy);
  color: var(--ia-white);
  border-color: var(--ia-navy);
}

.ia-btn--navy:hover {
  background: var(--ia-steel);
  border-color: var(--ia-steel);
  color: var(--ia-white);
  text-decoration: none;
}

.ia-btn--outline-navy {
  background: transparent;
  color: var(--ia-navy);
  border-color: var(--ia-navy);
}

.ia-btn--outline-navy:hover {
  background: var(--ia-navy);
  color: var(--ia-white);
  text-decoration: none;
}

.ia-btn--steel {
  background: var(--ia-steel);
  color: var(--ia-white);
  border-color: var(--ia-steel);
}

.ia-btn--steel:hover {
  background: var(--ia-navy);
  border-color: var(--ia-navy);
  color: var(--ia-white);
  text-decoration: none;
}


/* ── SECTIONS ─────────────────────────────────────── */

.ia-section {
  padding: var(--ia-gap-xl) 0;
}

.ia-section--white {
  background: var(--ia-white);
}

.ia-section--ice {
  background: var(--ia-ice);
  border-top: 1px solid var(--ia-border);
  border-bottom: 1px solid var(--ia-border);
}

.ia-section--navy {
  background: var(--ia-navy);
  color: var(--ia-white);
}

.ia-section--navy h2,
.ia-section--navy h3 {
  color: var(--ia-white);
}

.ia-section--navy p,
.ia-section--navy li {
  color: rgba(255,255,255,0.82);
}

.ia-section-head {
  margin-bottom: var(--ia-gap-lg);
}

.ia-section-head--center {
  text-align: center;
  max-width: 620px;
  margin-left: auto;
  margin-right: auto;
  margin-bottom: var(--ia-gap-lg);
}


/* ── GRIDS ────────────────────────────────────────── */

.ia-cols-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--ia-gap);
}

.ia-cols-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--ia-gap-lg);
  align-items: start;
}

.ia-cols-2--center {
  align-items: center;
}


/* ── CARDS ────────────────────────────────────────── */

.ia-info-card {
  background: var(--ia-white);
  border: 1px solid var(--ia-border);
  border-radius: var(--ia-radius-lg);
  padding: 1.6rem;
  box-shadow: var(--ia-shadow-sm);
  transition: box-shadow 0.2s;
}

.ia-info-card:hover {
  box-shadow: var(--ia-shadow-md);
}

.ia-info-card__icon {
  width: 46px;
  height: 46px;
  margin-bottom: 1rem;
  color: var(--ia-steel);
  flex-shrink: 0;
}

.ia-info-card__title {
  font-size: 1.05rem;
  margin-bottom: 0.5rem;
}

.ia-info-card__body {
  font-size: 0.9rem;
  color: var(--ia-muted);
}


/* ── SPLIT LAYOUT ─────────────────────────────────── */

.ia-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--ia-gap-xl);
  align-items: center;
}

.ia-split--flip .ia-split__visual {
  order: -1;
}

.ia-split__visual {
  border-radius: var(--ia-radius-lg);
  overflow: hidden;
}

.ia-split__content {}

.ia-split__content p {
  font-size: 0.97rem;
  color: var(--ia-muted);
}


/* ── PAGE HEADER ──────────────────────────────────── */

.ia-page-header {
  background: var(--ia-navy);
  color: var(--ia-white);
  padding: var(--ia-gap-xl) 0 var(--ia-gap-lg);
}

.ia-page-header h1 {
  color: var(--ia-white);
  margin-bottom: 0.7rem;
}

.ia-page-header p {
  color: rgba(255,255,255,0.78);
  font-size: 1.04rem;
  max-width: 580px;
}

.ia-breadcrumb {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.55);
  margin-bottom: 0.7rem;
}

.ia-breadcrumb a {
  color: rgba(255,255,255,0.72);
}

.ia-breadcrumb a:hover {
  color: var(--ia-amber);
  text-decoration: none;
}

.ia-breadcrumb span {
  margin: 0 0.4em;
}


/* ── SIDEBAR LAYOUT ───────────────────────────────── */

.ia-sidebar-layout {
  display: grid;
  grid-template-columns: 1fr 280px;
  gap: var(--ia-gap-xl);
  align-items: start;
}

.ia-sidebar-panel {
  background: var(--ia-white);
  border: 1px solid var(--ia-border);
  border-radius: var(--ia-radius-lg);
  padding: 1.4rem;
  box-shadow: var(--ia-shadow-sm);
}

.ia-sidebar-panel + .ia-sidebar-panel {
  margin-top: var(--ia-gap);
}

.ia-sidebar-panel__head {
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  color: var(--ia-muted);
  margin-bottom: 0.8rem;
  padding-bottom: 0.6rem;
  border-bottom: 1px solid var(--ia-border);
}

.ia-sidebar-link-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}

.ia-sidebar-link-list a {
  display: block;
  font-size: 0.9rem;
  padding: 0.25rem 0;
  border-bottom: 1px solid var(--ia-border);
  color: var(--ia-steel);
}

.ia-sidebar-link-list a:hover {
  color: var(--ia-navy);
  text-decoration: none;
}

.ia-sidebar-link-list li:last-child a {
  border-bottom: none;
}


/* ── FAQ ──────────────────────────────────────────── */

.ia-faq {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.ia-faq-entry {
  border: 1px solid var(--ia-border);
  border-radius: var(--ia-radius);
  background: var(--ia-white);
  overflow: hidden;
}

.ia-faq-entry__q {
  font-family: var(--ia-font-serif);
  font-size: 1rem;
  color: var(--ia-navy);
  padding: 1rem 1.2rem;
  display: block;
  font-weight: 700;
}

.ia-faq-entry__a {
  padding: 0 1.2rem 0.9rem;
  font-size: 0.91rem;
  color: var(--ia-muted);
  background: var(--ia-ice);
}

.ia-faq-entry__a p { margin-bottom: 0; }


/* ── PROCESS STEPS ────────────────────────────────── */

.ia-process {
  display: flex;
  flex-direction: column;
  gap: var(--ia-gap);
}

.ia-process-step {
  display: grid;
  grid-template-columns: 60px 1fr;
  gap: var(--ia-gap);
  align-items: start;
}

.ia-process-step__num {
  width: 60px;
  height: 60px;
  background: var(--ia-navy);
  color: var(--ia-white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--ia-font-serif);
  font-size: 1.4rem;
  font-weight: 700;
  flex-shrink: 0;
}

.ia-process-step__body {
  padding-top: 0.8rem;
}

.ia-process-step__body h3 {
  margin-bottom: 0.4rem;
}

.ia-process-step__body p {
  font-size: 0.93rem;
  color: var(--ia-muted);
}


/* ── FEATURE LIST ─────────────────────────────────── */

.ia-feature-rows {
  display: flex;
  flex-direction: column;
  gap: var(--ia-gap);
}

.ia-feature-row {
  display: grid;
  grid-template-columns: 60px 1fr;
  gap: var(--ia-gap);
  align-items: start;
  padding: 1.2rem;
  background: var(--ia-white);
  border: 1px solid var(--ia-border);
  border-radius: var(--ia-radius-lg);
  box-shadow: var(--ia-shadow-sm);
}

.ia-feature-row__icon {
  width: 60px;
  height: 60px;
  background: var(--ia-ice);
  border-radius: var(--ia-radius);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.ia-feature-row__icon svg {
  width: 30px;
  height: 30px;
  color: var(--ia-steel);
}

.ia-feature-row__text p {
  font-size: 0.91rem;
  color: var(--ia-muted);
}


/* ── CTA BAND ─────────────────────────────────────── */

.ia-cta-band {
  background: var(--ia-steel);
  color: var(--ia-white);
  padding: var(--ia-gap-xl) 0;
  text-align: center;
}

.ia-cta-band h2 {
  color: var(--ia-white);
  margin-bottom: 0.7rem;
}

.ia-cta-band p {
  color: rgba(255,255,255,0.82);
  max-width: 540px;
  margin-left: auto;
  margin-right: auto;
  margin-bottom: 1.6rem;
}


/* ── PAGE LINK TILES ──────────────────────────────── */

.ia-page-tiles {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--ia-gap);
}

.ia-page-tile {
  display: block;
  background: var(--ia-white);
  border: 1px solid var(--ia-border);
  border-radius: var(--ia-radius-lg);
  padding: 1.4rem;
  text-decoration: none;
  transition: box-shadow 0.18s, border-color 0.18s, transform 0.15s;
}

.ia-page-tile:hover {
  box-shadow: var(--ia-shadow-lg);
  border-color: var(--ia-steel);
  transform: translateY(-2px);
  text-decoration: none;
}

.ia-page-tile__tag {
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  color: var(--ia-steel);
  margin-bottom: 0.4rem;
}

.ia-page-tile__title {
  font-family: var(--ia-font-serif);
  font-size: 1.05rem;
  color: var(--ia-navy);
  margin-bottom: 0.4rem;
}

.ia-page-tile__desc {
  font-size: 0.86rem;
  color: var(--ia-muted);
}

.ia-page-tile:hover .ia-page-tile__title {
  color: var(--ia-steel);
}


/* ── INFO NOTE ────────────────────────────────────── */

.ia-note {
  background: var(--ia-ice);
  border-left: 4px solid var(--ia-steel);
  border-radius: 0 var(--ia-radius) var(--ia-radius) 0;
  padding: 0.8rem 1.2rem;
  margin: 1rem 0;
}

.ia-note p {
  font-size: 0.9rem;
  color: var(--ia-muted);
  margin-bottom: 0;
}


/* ── CONTACT FORM ─────────────────────────────────── */

.ia-contact-wrap {
  display: grid;
  grid-template-columns: 3fr 2fr;
  gap: var(--ia-gap-xl);
  align-items: start;
}

.ia-form-block {
  background: var(--ia-white);
  border: 1px solid var(--ia-border);
  border-radius: var(--ia-radius-lg);
  padding: 2rem;
  box-shadow: var(--ia-shadow-md);
}

.ia-form-row-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

.ia-form-field {
  display: flex;
  flex-direction: column;
  gap: 0.38rem;
  margin-bottom: 1rem;
}

.ia-form-field--full {
  grid-column: 1 / -1;
}

.ia-form-label {
  font-size: 0.86rem;
  font-weight: 600;
  color: var(--ia-ink);
}

.ia-form-label abbr {
  color: var(--ia-amber);
  text-decoration: none;
  margin-left: 0.18em;
  font-style: normal;
}

.ia-form-input,
.ia-form-select,
.ia-form-textarea {
  font-family: var(--ia-font-sans);
  font-size: 0.93rem;
  color: var(--ia-ink);
  background: var(--ia-cream);
  border: 1px solid var(--ia-border);
  border-radius: var(--ia-radius);
  padding: 0.58rem 0.85rem;
  width: 100%;
  transition: border-color 0.18s, box-shadow 0.18s;
}

.ia-form-input:focus,
.ia-form-select:focus,
.ia-form-textarea:focus {
  outline: none;
  border-color: var(--ia-steel);
  box-shadow: 0 0 0 3px rgba(76, 127, 166, 0.15);
}

.ia-form-textarea {
  min-height: 135px;
  resize: vertical;
}

.ia-form-hint {
  font-size: 0.8rem;
  color: var(--ia-muted);
}

.ia-form-submit-row {
  display: flex;
  align-items: center;
  gap: var(--ia-gap);
  flex-wrap: wrap;
}

.ia-form-submit-row .ia-btn {
  flex-shrink: 0;
}

.ia-contact-aside {}

.ia-contact-block {
  display: flex;
  gap: 0.9rem;
  align-items: flex-start;
  margin-bottom: 1.2rem;
}

.ia-contact-block__icon {
  width: 42px;
  height: 42px;
  background: var(--ia-ice);
  border-radius: var(--ia-radius);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.ia-contact-block__icon svg {
  width: 20px;
  height: 20px;
  color: var(--ia-steel);
}

.ia-contact-block__label {
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--ia-muted);
  margin-bottom: 0.18rem;
}

.ia-contact-block__value {
  font-size: 0.92rem;
  color: var(--ia-ink);
}

.ia-contact-block__value a {
  color: var(--ia-steel);
}


/* ── LEGAL PAGES ──────────────────────────────────── */

.ia-legal-wrap {
  max-width: var(--ia-prose);
}

.ia-legal-meta {
  font-size: 0.84rem;
  color: var(--ia-muted);
  padding-bottom: 1rem;
  border-bottom: 1px solid var(--ia-border);
  margin-bottom: var(--ia-gap-lg);
}

.ia-legal-body h2 {
  font-size: 1.3rem;
  margin-top: var(--ia-gap-lg);
  margin-bottom: 0.6rem;
  padding-top: var(--ia-gap);
  border-top: 1px solid var(--ia-border);
}

.ia-legal-body h2:first-of-type {
  margin-top: 0;
  padding-top: 0;
  border-top: none;
}

.ia-legal-body h3 {
  font-size: 1.08rem;
  margin-top: var(--ia-gap);
  margin-bottom: 0.5rem;
}

.ia-legal-body ul {
  margin-bottom: 1rem;
}

.ia-legal-nav {
  margin-top: var(--ia-gap-lg);
  padding-top: var(--ia-gap);
  border-top: 1px solid var(--ia-border);
}

.ia-legal-nav p {
  font-size: 0.88rem;
  color: var(--ia-muted);
  margin-bottom: 0.5rem;
}

.ia-legal-nav-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
}

.ia-legal-nav-links a {
  font-size: 0.88rem;
  background: var(--ia-ice);
  border: 1px solid var(--ia-border);
  border-radius: var(--ia-radius);
  padding: 0.28rem 0.7rem;
  color: var(--ia-steel);
}

.ia-legal-nav-links a:hover {
  background: var(--ia-navy);
  color: var(--ia-white);
  border-color: var(--ia-navy);
  text-decoration: none;
}


/* ── DEFINITION LIST ──────────────────────────────── */

.ia-deflist {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.ia-deflist-entry {
  background: var(--ia-white);
  border: 1px solid var(--ia-border);
  border-radius: var(--ia-radius);
  padding: 1.1rem 1.3rem;
}

.ia-deflist-entry__term {
  font-family: var(--ia-font-serif);
  font-size: 1rem;
  color: var(--ia-navy);
  font-weight: 700;
  margin-bottom: 0.3rem;
}

.ia-deflist-entry__def {
  font-size: 0.9rem;
  color: var(--ia-muted);
  margin: 0;
}


/* ── DETAILS HIGHLIGHT BOXES ──────────────────────── */

.ia-highlight-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--ia-gap);
}

.ia-highlight-box {
  background: var(--ia-white);
  border: 1px solid var(--ia-border);
  border-top: 4px solid var(--ia-steel);
  border-radius: var(--ia-radius-lg);
  padding: 1.4rem;
  box-shadow: var(--ia-shadow-sm);
}

.ia-highlight-box--amber {
  border-top-color: var(--ia-amber);
}

.ia-highlight-box h3 {
  font-size: 1.05rem;
  margin-bottom: 0.5rem;
}

.ia-highlight-box p {
  font-size: 0.9rem;
  color: var(--ia-muted);
}


/* ── FOOTER ───────────────────────────────────────── */

.ia-site-footer {
  background: var(--ia-navy);
  color: var(--ia-white);
}

.ia-footer-main {
  display: grid;
  grid-template-columns: 2.2fr 1fr 1fr 1fr;
  gap: var(--ia-gap-lg);
  padding: var(--ia-gap-xl) 0;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

.ia-footer-brand-link {
  display: flex;
  align-items: center;
  gap: 0.55rem;
  text-decoration: none;
  margin-bottom: 0.8rem;
}

.ia-footer-brand-name {
  font-family: var(--ia-font-serif);
  font-size: 1rem;
  font-weight: 700;
  color: var(--ia-white);
}

.ia-footer-tagline {
  font-size: 0.86rem;
  color: rgba(255,255,255,0.58);
  margin-bottom: 1rem;
}

.ia-footer-contact-info {
  font-size: 0.83rem;
  color: rgba(255,255,255,0.6);
  line-height: 1.85;
}

.ia-footer-contact-info a {
  color: rgba(255,255,255,0.75);
}

.ia-footer-contact-info a:hover {
  color: var(--ia-amber);
  text-decoration: none;
}

.ia-footer-col-head {
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.11em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.42);
  margin-bottom: 0.9rem;
}

.ia-footer-nav-list {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 0.45rem;
}

.ia-footer-nav-list a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.72);
}

.ia-footer-nav-list a:hover {
  color: var(--ia-amber);
  text-decoration: none;
}

.ia-footer-bar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.9rem 0;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.4);
  gap: var(--ia-gap);
}

.ia-footer-bar a {
  color: rgba(255,255,255,0.55);
}

.ia-footer-bar a:hover {
  color: var(--ia-amber);
  text-decoration: none;
}

.ia-footer-bar-links {
  display: flex;
  gap: var(--ia-gap);
}


/* ── RESPONSIVE BREAKPOINTS ───────────────────────── */

@media (max-width: 1024px) {
  :root {
    --ia-gap-xxl: 4.5rem;
    --ia-gap-xl: 3rem;
  }

  .ia-footer-main {
    grid-template-columns: 1fr 1fr;
    gap: var(--ia-gap-lg);
  }

  .ia-cols-3 {
    grid-template-columns: repeat(2, 1fr);
  }

  .ia-sidebar-layout {
    grid-template-columns: 1fr 250px;
  }

  .ia-page-tiles {
    grid-template-columns: repeat(2, 1fr);
  }

  .ia-hero-layout {
    grid-template-columns: 58% 1fr;
  }

  .ia-highlight-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 768px) {
  :root {
    --ia-gap-xxl: 3rem;
    --ia-gap-xl: 2.5rem;
    --ia-gap-lg: 2rem;
  }

  .ia-header-row {
    flex-wrap: wrap;
    gap: 0.5rem;
  }

  .ia-nav-list {
    gap: 0.1rem;
    flex-wrap: wrap;
  }

  .ia-nav-link {
    font-size: 0.82rem;
    padding: 0.3rem 0.55rem;
  }

  .ia-hero-layout {
    grid-template-columns: 1fr;
  }

  .ia-hero-visual {
    display: none;
  }

  .ia-cols-3 {
    grid-template-columns: 1fr;
  }

  .ia-cols-2 {
    grid-template-columns: 1fr;
  }

  .ia-split {
    grid-template-columns: 1fr;
  }

  .ia-split--flip .ia-split__visual {
    order: 0;
  }

  .ia-sidebar-layout {
    grid-template-columns: 1fr;
  }

  .ia-contact-wrap {
    grid-template-columns: 1fr;
  }

  .ia-page-tiles {
    grid-template-columns: 1fr;
  }

  .ia-footer-main {
    grid-template-columns: 1fr;
  }

  .ia-footer-bar {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.4rem;
  }

  .ia-process-step {
    grid-template-columns: 48px 1fr;
  }

  .ia-process-step__num {
    width: 48px;
    height: 48px;
    font-size: 1.15rem;
  }

  .ia-form-row-2 {
    grid-template-columns: 1fr;
  }

  .ia-hero {
    padding: var(--ia-gap-lg) 0;
  }
}

@media (max-width: 480px) {
  h1 { font-size: 1.75rem; }
  h2 { font-size: 1.3rem; }

  .ia-hero-title { font-size: 1.8rem; }

  .ia-form-block {
    padding: 1.3rem;
  }

  .ia-cta-band {
    padding: var(--ia-gap-lg) 0;
  }

  .ia-footer-bar-links {
    flex-direction: column;
    gap: 0.3rem;
  }
}