:root {
  --ink: #192027;
  --muted: #5c6773;
  --paper: #f7f8f5;
  --panel: #ffffff;
  --line: #d8ddd9;
  --teal: #136c67;
  --teal-dark: #0d4f4b;
  --amber: #c78322;
  --burgundy: #8c2f39;
  --blue: #325d88;
  --shadow: 0 16px 42px rgba(20, 28, 35, 0.12);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.55;
}

a {
  color: var(--teal-dark);
  text-decoration-thickness: 0.08em;
  text-underline-offset: 0.18em;
}

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

.skip-link {
  position: absolute;
  left: -999px;
  top: 0;
  background: var(--ink);
  color: #fff;
  padding: 0.6rem 0.8rem;
  z-index: 20;
}

.skip-link:focus {
  left: 1rem;
  top: 1rem;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(247, 248, 245, 0.96);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--line);
}

.topbar {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0.85rem 1rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.72rem;
  color: var(--ink);
  text-decoration: none;
}

.brand-mark {
  width: 42px;
  height: 42px;
  display: grid;
  place-items: center;
  color: #fff;
  background: linear-gradient(135deg, var(--teal), var(--burgundy));
  border-radius: 8px;
  font-weight: 800;
}

.brand strong,
.brand small {
  display: block;
}

.brand small {
  color: var(--muted);
  font-size: 0.8rem;
}

.menu-button {
  display: none;
  border: 1px solid var(--line);
  background: var(--panel);
  color: var(--ink);
  border-radius: 8px;
  padding: 0.55rem 0.7rem;
  font: inherit;
}

.site-nav {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 1rem 0.75rem;
  display: flex;
  gap: 0.45rem;
  flex-wrap: wrap;
}

.site-nav a {
  color: var(--ink);
  text-decoration: none;
  border: 1px solid transparent;
  border-radius: 8px;
  padding: 0.45rem 0.62rem;
  font-size: 0.93rem;
}

.site-nav a:hover,
.site-nav a.active {
  border-color: var(--line);
  background: #fff;
}

.hero {
  min-height: 58vh;
  position: relative;
  display: grid;
  align-items: end;
  background-image: linear-gradient(90deg, rgba(10, 16, 20, 0.78), rgba(10, 16, 20, 0.48), rgba(10, 16, 20, 0.1)), url("/assets/hero-handbook.jpg");
  background-position: center;
  background-size: cover;
  color: #fff;
}

.hero-inner {
  width: min(1160px, calc(100% - 2rem));
  margin: 0 auto;
  padding: 4.8rem 0 3.2rem;
}

.eyebrow {
  margin: 0 0 0.8rem;
  color: #f3d6a4;
  text-transform: uppercase;
  letter-spacing: 0;
  font-weight: 800;
  font-size: 0.82rem;
}

h1,
h2,
h3 {
  line-height: 1.13;
  letter-spacing: 0;
}

h1 {
  margin: 0;
  max-width: 830px;
  font-size: clamp(2.3rem, 8vw, 5.9rem);
}

h2 {
  margin: 0 0 1rem;
  font-size: clamp(1.55rem, 3vw, 2.4rem);
}

h3 {
  margin: 0 0 0.55rem;
  font-size: 1.12rem;
}

.hero p {
  max-width: 680px;
  color: #f3f5ef;
  font-size: 1.12rem;
}

.actions {
  display: flex;
  gap: 0.7rem;
  flex-wrap: wrap;
  margin-top: 1.4rem;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 0.65rem 0.9rem;
  border-radius: 8px;
  border: 1px solid var(--line);
  background: #fff;
  color: var(--ink);
  text-decoration: none;
  font-weight: 700;
  cursor: pointer;
}

.button.primary {
  background: var(--teal);
  border-color: var(--teal);
  color: #fff;
}

.button.warning {
  background: var(--burgundy);
  border-color: var(--burgundy);
  color: #fff;
}

.band {
  padding: 3.2rem 1rem;
}

.band.white {
  background: #fff;
}

.band.ink {
  background: var(--ink);
  color: #fff;
}

.wrap {
  width: min(1160px, 100%);
  margin: 0 auto;
}

.intro {
  max-width: 790px;
  color: var(--muted);
  font-size: 1.08rem;
}

.grid {
  display: grid;
  gap: 1rem;
}

.grid.three {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.grid.two {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.card {
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 1.1rem;
}

.card.shadow {
  box-shadow: var(--shadow);
}

.card.accent-teal {
  border-top: 5px solid var(--teal);
}

.card.accent-amber {
  border-top: 5px solid var(--amber);
}

.card.accent-burgundy {
  border-top: 5px solid var(--burgundy);
}

.card.accent-blue {
  border-top: 5px solid var(--blue);
}

.label {
  display: inline-block;
  margin: 0 0 0.6rem;
  color: var(--teal-dark);
  font-weight: 800;
  font-size: 0.82rem;
  text-transform: uppercase;
}

.notice {
  border-left: 5px solid var(--amber);
  background: #fff9ec;
  padding: 1rem;
  border-radius: 8px;
}

.danger {
  border-left-color: var(--burgundy);
  background: #fff4f5;
}

.safe {
  border-left-color: var(--teal);
  background: #eef8f6;
}

.page-head {
  padding: 3.2rem 1rem 2.3rem;
  background: linear-gradient(135deg, #e9f4f1, #fff7e8);
  border-bottom: 1px solid var(--line);
}

.page-head h1 {
  color: var(--ink);
  font-size: clamp(2rem, 5vw, 4.2rem);
}

.page-head p {
  max-width: 760px;
  color: var(--muted);
  font-size: 1.08rem;
}

.table-wrap {
  overflow-x: auto;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #fff;
}

table {
  width: 100%;
  min-width: 720px;
  border-collapse: collapse;
}

table.wide-table {
  min-width: 980px;
}

th,
td {
  padding: 0.82rem;
  border-bottom: 1px solid var(--line);
  text-align: left;
  vertical-align: top;
}

th {
  background: #eef3ef;
}

.helpful-marker {
  display: inline-block;
  margin: 0 0.45rem 0.35rem 0;
  padding: 0.18rem 0.45rem;
  border: 1px solid #abd4ce;
  border-radius: 8px;
  background: #eef8f6;
  color: var(--teal-dark);
  font-size: 0.78rem;
  font-weight: 800;
  line-height: 1.3;
}

.helpful-marker.none {
  border-color: var(--line);
  background: #f2f4ef;
  color: var(--muted);
}

ul,
ol {
  padding-left: 1.25rem;
}

li + li {
  margin-top: 0.35rem;
}

.checklist {
  list-style: none;
  padding-left: 0;
}

.checklist li {
  border-left: 4px solid var(--teal);
  background: #fff;
  margin-top: 0.5rem;
  padding: 0.72rem 0.85rem;
  border-radius: 8px;
}

.source-list {
  columns: 2;
  column-gap: 2rem;
}

.source-list li {
  break-inside: avoid;
}

.triangle-layout {
  display: grid;
  grid-template-columns: minmax(320px, 0.95fr) minmax(0, 1.05fr);
  gap: 1.5rem;
  align-items: center;
}

.fraud-triangle {
  position: relative;
  width: 100%;
  max-width: 640px;
  height: clamp(390px, 42vw, 540px);
  margin: 0 auto;
  isolation: isolate;
}

.fraud-triangle::before {
  content: "";
  position: absolute;
  inset: 9% 11% 13%;
  background: linear-gradient(145deg, rgba(19, 108, 103, 0.22), rgba(199, 131, 34, 0.18), rgba(140, 47, 57, 0.18));
  clip-path: polygon(50% 0, 100% 100%, 0 100%);
  border: 2px solid var(--line);
  z-index: -1;
}

.fraud-triangle::after {
  content: "";
  position: absolute;
  inset: 25% 29% 32%;
  background: var(--paper);
  clip-path: polygon(50% 0, 100% 100%, 0 100%);
  z-index: -1;
}

.triangle-core {
  position: absolute;
  left: 50%;
  top: 54%;
  width: min(220px, 46%);
  transform: translate(-50%, -50%);
  text-align: center;
  color: var(--ink);
  font-weight: 800;
}

.triangle-node {
  position: absolute;
  width: min(230px, 44%);
  border: 1px solid var(--line);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.97);
  box-shadow: var(--shadow);
  padding: 0.85rem;
}

.triangle-node strong,
.triangle-node span {
  display: block;
}

.triangle-node strong {
  margin-bottom: 0.35rem;
}

.triangle-node span {
  color: var(--muted);
  font-size: 0.9rem;
}

.node-top {
  left: 50%;
  top: 0;
  transform: translateX(-50%);
  border-top: 5px solid var(--blue);
}

.node-left {
  left: 0;
  bottom: 0;
  border-top: 5px solid var(--teal);
}

.node-right {
  right: 0;
  bottom: 0;
  border-top: 5px solid var(--burgundy);
}

.triangle-edge {
  position: absolute;
  padding: 0.25rem 0.5rem;
  border-radius: 8px;
  background: #fff;
  border: 1px solid var(--line);
  color: var(--teal-dark);
  font-size: 0.82rem;
  font-weight: 800;
}

.edge-left {
  left: 20%;
  top: 42%;
  transform: rotate(-54deg);
}

.edge-right {
  right: 24%;
  top: 42%;
  transform: rotate(54deg);
}

.edge-bottom {
  left: 50%;
  bottom: 22%;
  transform: translateX(-50%);
}

.stat-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1rem;
  margin: 1.4rem 0 1rem;
}

.stat-card {
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 1rem;
}

.stat-card strong,
.stat-card span {
  display: block;
}

.stat-card strong {
  font-size: clamp(2rem, 4vw, 3.1rem);
  line-height: 1;
}

.stat-card span {
  margin-top: 0.45rem;
  color: var(--muted);
  font-weight: 700;
}

.stat-card.accent-teal {
  border-top: 5px solid var(--teal);
}

.stat-card.accent-amber {
  border-top: 5px solid var(--amber);
}

.stat-card.accent-burgundy {
  border-top: 5px solid var(--burgundy);
}

.stat-card.accent-blue {
  border-top: 5px solid var(--blue);
}

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

label {
  display: grid;
  gap: 0.35rem;
  font-weight: 700;
}

input,
textarea,
select {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 0.7rem;
  font: inherit;
  color: var(--ink);
  background: #fff;
}

textarea {
  min-height: 170px;
  resize: vertical;
}

.site-footer {
  background: #11181d;
  color: #e9efea;
  padding: 2.2rem 1rem;
}

.site-footer a {
  color: #f3d6a4;
}

.footer-grid {
  width: min(1160px, 100%);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.2fr 1fr 1fr;
  gap: 1rem;
}

.footer-grid p {
  color: #c8d0cc;
}

.small {
  color: var(--muted);
  font-size: 0.92rem;
}

@media (max-width: 820px) {
  .menu-button {
    display: inline-flex;
  }

  .site-nav {
    display: none;
    padding-top: 0;
  }

  .site-nav.open {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .hero {
    min-height: 56vh;
  }

  .grid.three,
  .grid.two,
  .form-grid,
  .triangle-layout,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .fraud-triangle {
    height: 540px;
  }

  .stat-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .source-list {
    columns: 1;
  }
}

@media (max-width: 460px) {
  .brand strong {
    font-size: 0.93rem;
  }

  .brand small {
    font-size: 0.74rem;
  }

  .site-nav.open {
    grid-template-columns: 1fr;
  }

  .fraud-triangle {
    height: 560px;
  }

  .fraud-triangle::before {
    inset: 13% 7% 34%;
  }

  .fraud-triangle::after {
    inset: 27% 28% 45%;
  }

  .triangle-core {
    top: 40%;
    width: 54%;
    font-size: 0.92rem;
  }

  .triangle-node {
    width: 100%;
  }

  .node-top,
  .node-left,
  .node-right {
    left: 0;
    right: auto;
    transform: none;
  }

  .node-top {
    top: 0;
  }

  .node-left {
    top: 63%;
    bottom: auto;
  }

  .node-right {
    top: 80%;
    bottom: auto;
  }

  .triangle-edge {
    transform: none;
  }

  .edge-left {
    left: 8%;
    top: 50%;
  }

  .edge-right {
    right: 8%;
    top: 50%;
  }

  .edge-bottom {
    bottom: 31%;
  }

  .stat-grid {
    grid-template-columns: 1fr;
  }

  .hero-inner {
    padding-bottom: 2.4rem;
  }
}