:root{
  --navy:#122A45;
  --navy-deep:#0B1B2E;
  --blue:#0068C9;
  --blue-soft:#E7F1FC;
  --teal:#0E8074;
  --teal-soft:#E4F5F2;
  --amber:#E8871E;
  --amber-soft:#FDF1E1;
  --ink:#1F2733;
  --sub:#54606E;
  --line:#E3E8F0;
  --bg:#F7F9FC;
  --white:#FFFFFF;
  --radius:16px;
  --maxw:1120px;
  font-size:16px;
}
*{box-sizing:border-box;}
html,body{margin:0;padding:0;}
body{
  font-family:"Hiragino Sans","Hiragino Kaku Gothic ProN","Noto Sans JP","Yu Gothic",-apple-system,BlinkMacSystemFont,sans-serif;
  color:var(--ink);
  background:var(--white);
  line-height:1.85;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{max-width:100%;display:block;}
a{color:inherit;}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px;}
section{position:relative;}
.section-pad{padding:88px 0;}
@media(max-width:768px){.section-pad{padding:60px 0;}}
.kicker{
  display:inline-flex;align-items:center;gap:8px;
  font-size:13px;font-weight:700;letter-spacing:.08em;
  color:var(--blue);background:var(--blue-soft);
  padding:6px 16px;border-radius:999px;margin-bottom:18px;
}
h2.h-title{
  font-size:clamp(24px,3.4vw,36px);
  font-weight:800;line-height:1.5;color:var(--navy);
  margin:0 0 20px;letter-spacing:.01em;
}
p.lead{font-size:17px;color:var(--sub);margin:0 0 12px;}
.section-head{max-width:760px;margin:0 auto 48px;text-align:center;}
.section-head.left{text-align:left;margin-left:0;}
.copy-line{
  font-size:clamp(19px,2.4vw,24px);
  font-weight:800;color:var(--navy);line-height:1.7;margin:28px 0;
  border-left:5px solid var(--amber);padding-left:18px;
}
.bg-navy{background:var(--navy);color:#fff;}
.bg-navy h2.h-title{color:#fff;}
.bg-navy p.lead{color:#C6D3E3;}
.bg-soft{background:var(--bg);}
.divider{height:1px;background:var(--line);}

/* ===== HEADER ===== */
.toi-header{
  border-bottom:1px solid var(--line);
  background:#fff;
  position:sticky;top:0;z-index:100;
}
.toi-header-inner{
  max-width:var(--maxw);margin:0 auto;padding:14px 24px;
  display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:12px;
}
.toi-header-logo{
  font-size:19px;font-weight:800;letter-spacing:.02em;color:var(--navy);
  white-space:nowrap;
}
.toi-brand{color:var(--navy);}
.nudge-brand{color:var(--blue);}
.toi-header-breadcrumb{
  justify-self:center;display:flex;align-items:center;gap:6px;
  font-size:13px;font-weight:600;color:#8892A0;white-space:nowrap;
}
.toi-header-breadcrumb a{text-decoration:none;color:#8892A0;}
.toi-header-breadcrumb a:hover{text-decoration:underline;}
.toi-header-breadcrumb .crumb-brand .toi-brand{color:#8892A0;}
.toi-header-breadcrumb .crumb-brand .nudge-brand{color:var(--blue);}
.toi-header-breadcrumb .sep{color:#C3CAD3;}
.toi-header-contact{justify-self:end;}
.toi-header-contact a{
  display:inline-block;background:var(--blue);color:#fff;
  font-size:14px;font-weight:700;padding:10px 20px;border-radius:999px;
  text-decoration:none;white-space:nowrap;
}
@media(max-width:860px){
  .toi-header-inner{grid-template-columns:auto auto;grid-template-rows:auto auto;row-gap:10px;}
  .toi-header-logo{grid-column:1;grid-row:1;}
  .toi-header-contact{grid-column:2;grid-row:1;}
  .toi-header-breadcrumb{grid-column:1/3;grid-row:2;justify-self:start;}
}
@media(max-width:420px){
  .toi-header-contact a{padding:9px 14px;font-size:12.5px;}
  .toi-header-logo{font-size:16px;}
}

/* ===== FOOTER ===== */
.toi-footer{background:var(--navy-deep);color:#B9C4D2;padding:40px 0;}
.toi-footer-inner{
  max-width:var(--maxw);margin:0 auto;padding:0 24px;
  display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;
}
.toi-footer-copy{font-size:13px;color:#8FA0B5;}
.toi-footer-links{display:flex;gap:22px;flex-wrap:wrap;font-size:13px;font-weight:600;}
.toi-footer-links a{text-decoration:none;color:#DCE4EE;}
.toi-footer-links a:hover{text-decoration:underline;}
.toi-footer .toi-brand{color:#DCE4EE;}
.toi-footer .nudge-brand{color:#5CA9F2;}
@media(max-width:600px){
  .toi-footer-inner{flex-direction:column;align-items:flex-start;gap:16px;}
}

/* ===== CTA BUTTONS ===== */
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px;}
.cta-row.center{justify-content:center;}
.btn{
  display:inline-flex;align-items:center;justify-content:center;
  font-weight:700;font-size:15px;padding:15px 28px;border-radius:999px;
  text-decoration:none;text-align:center;line-height:1.4;
}
.btn-primary{background:var(--amber);color:#fff;}
.btn-secondary{background:#fff;color:var(--navy);border:2px solid var(--navy);}
.btn-ghost{background:rgba(255,255,255,.08);color:#fff;border:1px solid rgba(255,255,255,.4);}
@media(max-width:600px){.cta-row{flex-direction:column;}.btn{width:100%;}}

/* generic card grid */
.grid{display:grid;gap:20px;}
.grid-2{grid-template-columns:1fr 1fr;}
.grid-3{grid-template-columns:repeat(3,1fr);}
.grid-4{grid-template-columns:repeat(4,1fr);}
@media(max-width:860px){.grid-3{grid-template-columns:1fr 1fr;}.grid-4{grid-template-columns:1fr 1fr;}}
@media(max-width:600px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr;}}

.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:26px;
}
.card h3{margin:0 0 10px;font-size:17px;color:var(--navy);}
.card p{margin:0;font-size:14.5px;color:var(--sub);}