:root {
  --pf-navy: #0b1834;
  --pf-blue: #1565c0;
  --pf-blue-dark: #0c4a8a;
  --pf-mint: #0f9f86;
  --pf-ink: #172033;
  --pf-muted: #566075;
  --pf-line: #dce3ee;
  --pf-surface: #f6f8fc;
}

* { box-sizing: border-box; }
body.pf-commercial { margin: 0; color: var(--pf-ink); font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; line-height: 1.55; }
.pf-wrap { width: min(1120px, calc(100% - 40px)); margin: 0 auto; }
.pf-nav { border-bottom: 1px solid var(--pf-line); background: rgba(255,255,255,.96); position: sticky; top: 0; z-index: 20; backdrop-filter: blur(10px); }
.pf-nav-inner { min-height: 70px; display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.pf-logo { color: var(--pf-navy); font-weight: 800; font-size: 1.25rem; text-decoration: none; letter-spacing: -.03em; }
.pf-logo span { color: var(--pf-blue); }
.pf-nav-links { display: flex; align-items: center; gap: 20px; font-size: .9rem; }
.pf-nav-links a { color: var(--pf-muted); text-decoration: none; }
.pf-nav-links a:hover { color: var(--pf-blue); }
.pf-button { display: inline-flex; justify-content: center; align-items: center; gap: 8px; padding: 12px 18px; border-radius: 10px; font-weight: 700; text-decoration: none; border: 1px solid transparent; cursor: pointer; font-size: .95rem; }
.pf-button-primary { background: var(--pf-blue); color: #fff; box-shadow: 0 8px 20px rgba(21,101,192,.18); }
.pf-button-primary:hover { background: var(--pf-blue-dark); }
.pf-button-secondary { color: var(--pf-blue-dark); border-color: #b8cde9; background: #fff; }
.pf-hero { background: radial-gradient(circle at 84% 10%, rgba(40,177,160,.25), transparent 28%), linear-gradient(125deg, #08152e, #123d75); color: #fff; padding: 82px 0 72px; }
.pf-eyebrow { display: inline-block; color: #a9f0dc; font-size: .78rem; text-transform: uppercase; font-weight: 800; letter-spacing: .11em; margin-bottom: 16px; }
.pf-hero h1 { max-width: 820px; margin: 0; font-size: clamp(2.15rem, 5vw, 4.15rem); line-height: 1.04; letter-spacing: -.045em; }
.pf-hero p { max-width: 700px; color: #d8e4f6; font-size: 1.13rem; margin: 22px 0 28px; }
.pf-actions { display: flex; flex-wrap: wrap; gap: 12px; }
.pf-section { padding: 70px 0; }
.pf-section-alt { background: var(--pf-surface); }
.pf-kicker { color: var(--pf-blue); font-weight: 800; text-transform: uppercase; letter-spacing: .08em; font-size: .78rem; }
.pf-section h2 { max-width: 750px; margin: 8px 0 12px; font-size: clamp(1.75rem, 3.2vw, 2.65rem); line-height: 1.13; letter-spacing: -.035em; }
.pf-section > .pf-wrap > p { max-width: 760px; color: var(--pf-muted); }
.pf-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 30px; }
.pf-grid-two { grid-template-columns: repeat(2, 1fr); }
.pf-card { background: #fff; border: 1px solid var(--pf-line); border-radius: 16px; padding: 25px; }
.pf-card h3 { margin: 0 0 8px; font-size: 1.18rem; }
.pf-card p, .pf-card li { color: var(--pf-muted); font-size: .95rem; }
.pf-card ul { padding-left: 19px; margin: 12px 0 0; }
.pf-card a:not(.pf-button) { color: var(--pf-blue); font-weight: 700; }
.pf-checklist { padding: 0; list-style: none; display: grid; gap: 12px; }
.pf-checklist li { padding-left: 27px; position: relative; color: var(--pf-muted); }
.pf-checklist li::before { content: "✓"; position: absolute; left: 0; color: var(--pf-mint); font-weight: 800; }
.pf-callout { border-left: 4px solid var(--pf-mint); background: #ecfaf6; padding: 18px 20px; border-radius: 0 12px 12px 0; color: #15584e; margin-top: 26px; }
.pf-faq details { border-top: 1px solid var(--pf-line); padding: 18px 0; }
.pf-faq summary { cursor: pointer; font-weight: 750; }
.pf-faq p { color: var(--pf-muted); max-width: 800px; }
.pf-footer { background: var(--pf-navy); color: #cdd8eb; padding: 34px 0; font-size: .88rem; }
.pf-footer a { color: #fff; text-decoration: none; }
.pf-source-list { padding-left: 18px; }
.pf-source-list li { margin: 8px 0; color: var(--pf-muted); }
.pf-source-list a { color: var(--pf-blue); }
.pf-article { max-width: 800px; margin: 0 auto; }
.pf-article h2 { margin-top: 38px; }
.pf-article h3 { margin-top: 28px; }
.pf-article p, .pf-article li { color: #344057; }
.pf-article li { margin: 8px 0; }
.pf-meta { color: #63708a; font-size: .9rem; margin-top: 16px; }
.pf-article a { color: var(--pf-blue); }
.pf-cta-band { background: linear-gradient(135deg, #0b3264, #126b8c); color: white; border-radius: 18px; padding: 30px; margin-top: 44px; }
.pf-cta-band p { color: #ddecff; }
@media (max-width: 760px) {
  .pf-wrap { width: min(100% - 28px, 1120px); }
  .pf-nav-links { display: none; }
  .pf-hero { padding: 60px 0 54px; }
  .pf-grid, .pf-grid-two { grid-template-columns: 1fr; }
  .pf-section { padding: 52px 0; }
}