:root {
  --midnight: #15213a;
  --gradient-bottom: #80381a;
  --gradient-top: #18213a;
  --light-orange: #ffd28a;
  --light-blue: #dfe8ff;
  --offwhite: #dddddd;
  --white: #ffffff;
}

* {
  box-sizing: border-box;
}

html, body {
  margin: 0;
  padding: 0;
}

body {
  background: var(--midnight);
  color: var(--offwhite);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  line-height: 1.6;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

a {
  color: var(--light-orange);
}

a:hover, a:focus {
  text-decoration: none;
}

.hero {
  background: linear-gradient(to top, var(--gradient-bottom) 0%, var(--gradient-top) 55%);
  padding: 3.5rem 1.5rem 3rem 1.5rem;
  text-align: center;
}

.hero .logo {
  font-size: 2.4rem;
  margin-bottom: 0.5rem;
}

.hero h1 {
  margin: 0 0 0.4rem 0;
  font-size: 2rem;
  font-weight: 700;
  color: var(--white);
}

.hero p.tagline {
  margin: 0;
  font-size: 1.1rem;
  color: var(--light-blue);
}

nav.top {
  display: flex;
  justify-content: center;
  gap: 1.75rem;
  padding: 1.1rem 1rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  font-size: 0.95rem;
}

nav.top a {
  color: var(--offwhite);
  text-decoration: none;
}

nav.top a:hover, nav.top a.active {
  color: var(--light-orange);
}

main {
  flex: 1;
  max-width: 680px;
  width: 100%;
  margin: 0 auto;
  padding: 2.5rem 1.5rem 4rem 1.5rem;
}

main h2 {
  color: var(--light-orange);
  font-size: 1.3rem;
  margin: 2rem 0 0.75rem 0;
}

main h2:first-child {
  margin-top: 0;
}

main p, main li {
  color: var(--offwhite);
}

main ul {
  padding-left: 1.3rem;
}

.effective-date {
  color: rgba(223, 232, 255, 0.6);
  font-size: 0.9rem;
  margin-bottom: 2rem;
}

.card-row {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin: 2rem 0;
}

.card {
  flex: 1 1 240px;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 14px;
  padding: 1.25rem 1.4rem;
}

.card h3 {
  margin: 0 0 0.5rem 0;
  color: var(--light-orange);
  font-size: 1.05rem;
}

.card p {
  margin: 0;
  font-size: 0.95rem;
}

.button {
  display: inline-block;
  margin-top: 0.5rem;
  padding: 0.7rem 1.5rem;
  border-radius: 999px;
  background: rgba(255, 210, 138, 0.14);
  color: var(--light-orange);
  text-decoration: none;
  font-weight: 600;
  border: 1px solid rgba(255, 210, 138, 0.35);
}

.button:hover {
  background: rgba(255, 210, 138, 0.22);
}

footer {
  text-align: center;
  padding: 1.5rem 1rem 2rem 1rem;
  color: rgba(223, 232, 255, 0.45);
  font-size: 0.85rem;
}

footer a {
  color: rgba(255, 210, 138, 0.8);
}