* { margin: 0; padding: 0; box-sizing: border-box; }
        body { font-family: 'Inter', sans-serif; color: #2D2D2D; }

        /* NAV */
        .topbar {
            background: #1a3a5c;
            color: #fff;
            text-align: center;
            padding: 8px;
            font-size: 14px;
            letter-spacing: 0.5px;
        }
        nav {
            display: flex;
            justify-content: space-between;
            align-items: center;
            padding: 16px 60px;
            background: #fff;
            border-bottom: 1px solid #e5e5e5;
            position: sticky;
            top: 0;
            z-index: 100;
        }
        .logo {
            display: flex;
            align-items: center;
            gap: 10px;
            text-decoration: none;
        }
        .logo-icon {
            width: 40px;
            height: 40px;
            background: #2B4C7E;
            border-radius: 6px;
            display: flex;
            align-items: center;
            justify-content: center;
            color: #fff;
            font-weight: 700;
            font-size: 14px;
        }
        .logo-text {
            font-family: 'Playfair Display', serif;
            font-size: 22px;
            font-weight: 700;
            color: #2B4C7E;
        }
        .nav-links { display: flex; gap: 30px; list-style: none; }
        .nav-links a { text-decoration: none; color: #2D2D2D; font-size: 15px; font-weight: 500; }
        .nav-links a:hover { color: #2B4C7E; }
        .nav-cta {
            background: #2B4C7E;
            color: #fff;
            padding: 10px 24px;
            border-radius: 6px;
            text-decoration: none;
            font-weight: 600;
            font-size: 14px;
        }

        /* HERO */
        .hero {
            position: relative;
            min-height: 80vh;
            display: flex;
            align-items: center;
            overflow: hidden;
        }
        .hero-bg {
            position: absolute;
            top: 0; left: 0; right: 0; bottom: 0;
            background: linear-gradient(135deg, rgba(26,58,92,0.9) 0%, rgba(20,40,65,0.8) 100%),
                        url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?w=1600&q=80') center/cover;
            z-index: 1;
        }
        .hero-content {
            position: relative;
            z-index: 2;
            max-width: 900px;
            margin: 0 auto;
            padding: 80px 60px;
            text-align: center;
            color: #fff;
        }
        .hero-content h1 {
            font-family: 'Playfair Display', serif;
            font-size: 52px;
            line-height: 1.15;
            margin-bottom: 24px;
            font-weight: 700;
        }
        .hero-content p {
            font-size: 19px;
            line-height: 1.7;
            opacity: 0.9;
            margin-bottom: 36px;
            max-width: 700px;
            margin-left: auto;
            margin-right: auto;
        }
        .hero-cta {
            display: inline-block;
            background: #fff;
            color: #2B4C7E;
            padding: 16px 40px;
            border-radius: 8px;
            font-weight: 700;
            font-size: 17px;
            text-decoration: none;
            margin-right: 16px;
        }
        .hero-cta-outline {
            display: inline-block;
            border: 2px solid #fff;
            color: #fff;
            padding: 14px 36px;
            border-radius: 8px;
            font-weight: 600;
            font-size: 17px;
            text-decoration: none;
        }

        /* STAT BAR */
        .stat-bar {
            background: #fff;
            padding: 50px 60px;
            border-bottom: 1px solid #e5e5e5;
        }
        .stat-grid {
            display: grid;
            grid-template-columns: repeat(4, 1fr);
            gap: 30px;
            max-width: 1100px;
            margin: 0 auto;
            text-align: center;
        }
        .stat-item {}
        .stat-number {
            font-family: 'Playfair Display', serif;
            font-size: 42px;
            font-weight: 700;
            color: #2B4C7E;
            margin-bottom: 6px;
        }
        .stat-label {
            font-size: 14px;
            color: #6B7280;
            line-height: 1.5;
        }
        .stat-source {
            font-size: 11px;
            color: #9CA3AF;
            margin-top: 4px;
        }

        /* RIGHTS SECTION */
        .rights-section {
            padding: 80px 60px;
            max-width: 1200px;
            margin: 0 auto;
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 60px;
            align-items: center;
        }
        .rights-img {
            width: 100%;
            height: 480px;
            border-radius: 12px;
            object-fit: cover;
            box-shadow: 0 10px 40px rgba(0,0,0,0.1);
        }
        .rights-text h2 {
            font-family: 'Playfair Display', serif;
            font-size: 36px;
            color: #1a3a5c;
            margin-bottom: 20px;
            line-height: 1.2;
        }
        .rights-text p {
            font-size: 16px;
            line-height: 1.7;
            color: #4a5568;
            margin-bottom: 16px;
        }
        .rights-list {
            list-style: none;
            margin-top: 24px;
            margin-bottom: 28px;
        }
        .rights-list li {
            padding: 12px 0;
            border-bottom: 1px solid #e5e5e5;
            display: flex;
            align-items: flex-start;
            gap: 12px;
            font-size: 15px;
            line-height: 1.5;
        }
        .rights-list li::before {
            content: "\2713";
            color: #5B8C5A;
            font-weight: 700;
            font-size: 18px;
            flex-shrink: 0;
            margin-top: 1px;
        }
        .section-cta {
            display: inline-block;
            background: #2B4C7E;
            color: #fff;
            padding: 14px 32px;
            border-radius: 8px;
            font-weight: 700;
            font-size: 15px;
            text-decoration: none;
        }

        /* FACTS CARDS */
        .facts-section {
            background: #f8f9fa;
            padding: 80px 60px;
        }
        .facts-section h2 {
            font-family: 'Playfair Display', serif;
            font-size: 36px;
            color: #1a3a5c;
            text-align: center;
            margin-bottom: 12px;
        }
        .facts-section .section-sub {
            text-align: center;
            color: #6B7280;
            font-size: 16px;
            margin-bottom: 50px;
        }
        .facts-grid {
            display: grid;
            grid-template-columns: repeat(3, 1fr);
            gap: 30px;
            max-width: 1100px;
            margin: 0 auto;
        }
        .fact-card {
            background: #fff;
            border-radius: 12px;
            padding: 36px 28px;
            box-shadow: 0 4px 20px rgba(0,0,0,0.06);
            border: 1px solid #eee;
            border-top: 4px solid #2B4C7E;
        }
        .fact-card .fact-stat {
            font-family: 'Playfair Display', serif;
            font-size: 32px;
            font-weight: 700;
            color: #2B4C7E;
            margin-bottom: 10px;
        }
        .fact-card h3 { font-size: 18px; margin-bottom: 12px; color: #1a3a5c; }
        .fact-card p { font-size: 15px; line-height: 1.6; color: #6B7280; }
        .fact-card .fact-source { font-size: 12px; color: #9CA3AF; margin-top: 12px; }

        /* JUSTICE / MIDPAGE CTA */
        .justice-section {
            position: relative;
            padding: 100px 60px;
            text-align: center;
            color: #fff;
            background: linear-gradient(rgba(26,58,92,0.9), rgba(20,40,65,0.9)),
                        url('https://images.unsplash.com/photo-1589829545856-d10d557cf95f?w=1600&q=80') center/cover;
        }
        .justice-section h2 {
            font-family: 'Playfair Display', serif;
            font-size: 40px;
            margin-bottom: 16px;
        }
        .justice-section p {
            font-size: 18px;
            max-width: 700px;
            margin: 0 auto 30px;
            opacity: 0.9;
            line-height: 1.6;
        }
        .justice-cta {
            display: inline-block;
            background: #fff;
            color: #2B4C7E;
            padding: 16px 40px;
            border-radius: 8px;
            font-weight: 700;
            font-size: 17px;
            text-decoration: none;
        }

        /* WHAT MOST PEOPLE DON'T KNOW */
        .didyouknow-section {
            padding: 80px 60px;
            max-width: 1200px;
            margin: 0 auto;
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 60px;
            align-items: center;
        }
        .didyouknow-text h2 {
            font-family: 'Playfair Display', serif;
            font-size: 36px;
            color: #1a3a5c;
            margin-bottom: 20px;
            line-height: 1.2;
        }
        .didyouknow-text p {
            font-size: 16px;
            line-height: 1.7;
            color: #4a5568;
            margin-bottom: 16px;
        }
        .highlight-box {
            background: #f0f5fc;
            border-left: 4px solid #2B4C7E;
            padding: 20px 24px;
            margin: 20px 0;
            border-radius: 0 8px 8px 0;
        }
        .highlight-box p {
            font-size: 15px;
            color: #1a3a5c;
            font-weight: 500;
            margin-bottom: 0;
        }
        .didyouknow-img {
            width: 100%;
            height: 450px;
            border-radius: 12px;
            object-fit: cover;
            box-shadow: 0 10px 40px rgba(0,0,0,0.1);
        }

        /* TYPES OF ACCIDENTS */
        .types-section {
            background: #f8f9fa;
            padding: 80px 60px;
        }
        .types-section h2 {
            font-family: 'Playfair Display', serif;
            font-size: 36px;
            color: #1a3a5c;
            text-align: center;
            margin-bottom: 12px;
        }
        .types-section .section-sub {
            text-align: center;
            color: #6B7280;
            font-size: 16px;
            margin-bottom: 50px;
        }
        .types-grid {
            display: grid;
            grid-template-columns: repeat(4, 1fr);
            gap: 24px;
            max-width: 1100px;
            margin: 0 auto;
        }
        .type-card {
            background: #fff;
            border-radius: 12px;
            padding: 30px 24px;
            text-align: center;
            box-shadow: 0 4px 20px rgba(0,0,0,0.06);
            border: 1px solid #eee;
        }
        .type-icon {
            width: 56px;
            height: 56px;
            background: #edf2f9;
            border-radius: 12px;
            display: flex;
            align-items: center;
            justify-content: center;
            margin: 0 auto 16px;
            font-size: 26px;
        }
        .type-card h3 { font-size: 16px; margin-bottom: 8px; color: #1a3a5c; }
        .type-card p { font-size: 13px; line-height: 1.5; color: #6B7280; }

        /* FAQ */
        .faq-section {
            padding: 80px 60px;
        }
        .faq-section h2 {
            font-family: 'Playfair Display', serif;
            font-size: 36px;
            color: #1a3a5c;
            text-align: center;
            margin-bottom: 40px;
        }
        .faq-container { max-width: 800px; margin: 0 auto; }
        .faq-item {
            background: #f8f9fa;
            border-radius: 10px;
            margin-bottom: 12px;
            border: 1px solid #e5e5e5;
            overflow: hidden;
        }
        .faq-question {
            padding: 20px 24px;
            font-weight: 600;
            font-size: 16px;
            cursor: pointer;
            display: flex;
            justify-content: space-between;
            align-items: center;
        }
        .faq-question::after { content: "+"; font-size: 22px; color: #2B4C7E; }
        .faq-answer {
            padding: 0 24px 20px;
            font-size: 15px;
            line-height: 1.7;
            color: #6B7280;
        }

        /* BOTTOM CTA */
        .bottom-cta {
            background: #1a3a5c;
            padding: 80px 60px;
            text-align: center;
            color: #fff;
        }
        .bottom-cta h2 {
            font-family: 'Playfair Display', serif;
            font-size: 38px;
            margin-bottom: 16px;
        }
        .bottom-cta p {
            font-size: 18px;
            opacity: 0.85;
            margin-bottom: 32px;
            max-width: 600px;
            margin-left: auto;
            margin-right: auto;
            line-height: 1.6;
        }
        .bottom-cta a {
            display: inline-block;
            background: #fff;
            color: #2B4C7E;
            padding: 16px 44px;
            border-radius: 8px;
            font-weight: 700;
            font-size: 17px;
            text-decoration: none;
        }

        /* FOOTER */
        footer {
            background: #0f2440;
            color: #9CA3AF;
            padding: 40px 60px;
        }
        .footer-content {
            max-width: 1200px;
            margin: 0 auto;
            display: flex;
            justify-content: space-between;
            align-items: flex-start;
            gap: 40px;
        }
        .footer-left .logo-text { color: #fff; font-size: 20px; margin-bottom: 10px; }
        .footer-left p { font-size: 13px; max-width: 350px; line-height: 1.6; }
        .footer-links { list-style: none; display: flex; flex-direction: column; gap: 8px; }
        .footer-links a { color: #9CA3AF; text-decoration: none; font-size: 14px; }
        .footer-links a:hover { color: #fff; }
        .footer-bottom {
            max-width: 1200px;
            margin: 30px auto 0;
            padding-top: 20px;
            border-top: 1px solid rgba(255,255,255,0.1);
            font-size: 11px;
            line-height: 1.6;
        }

        /* PAGE SECTIONS (About, Privacy, Terms, Contact) */
        .page-section {
            padding: 80px 60px;
            max-width: 900px;
            margin: 0 auto;
            display: none;
        }
        .page-section:nth-child(even) {
            background: #f8f9fa;
            max-width: 100%;
        }
        .page-section:nth-child(even) .page-inner {
            max-width: 900px;
            margin: 0 auto;
        }
        .page-section h2 {
            font-family: 'Playfair Display', serif;
            font-size: 36px;
            color: #1a3a5c;
            margin-bottom: 24px;
        }
        .page-section h3 {
            font-size: 20px;
            color: #1a3a5c;
            margin-top: 28px;
            margin-bottom: 12px;
        }
        .page-section p {
            font-size: 16px;
            line-height: 1.8;
            color: #4a5568;
            margin-bottom: 16px;
        }
        .page-section ul {
            margin: 12px 0 20px 24px;
            color: #4a5568;
            font-size: 15px;
            line-height: 1.8;
        }
        .page-section ul li {
            margin-bottom: 6px;
        }
        .page-divider {
            width: 60px;
            height: 3px;
            background: #2B4C7E;
            margin-bottom: 30px;
        }
        .about-grid {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 50px;
            align-items: center;
            margin-top: 30px;
        }
        .about-img {
            width: 100%;
            height: 380px;
            border-radius: 12px;
            object-fit: cover;
            box-shadow: 0 10px 40px rgba(0,0,0,0.1);
        }
        .contact-grid {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 50px;
            margin-top: 30px;
        }
        .contact-info-card {
            background: #fff;
            border-radius: 12px;
            padding: 30px;
            box-shadow: 0 4px 20px rgba(0,0,0,0.06);
            border: 1px solid #eee;
        }
        .contact-info-card h3 {
            margin-top: 0;
        }
        .contact-form input,
        .contact-form textarea {
            width: 100%;
            padding: 14px 18px;
            border: 1px solid #d1d5db;
            border-radius: 8px;
            font-size: 15px;
            font-family: 'Inter', sans-serif;
            margin-bottom: 16px;
        }
        .contact-form textarea {
            height: 140px;
            resize: vertical;
        }
        .contact-form input:focus,
        .contact-form textarea:focus {
            outline: none;
            border-color: #2B4C7E;
            box-shadow: 0 0 0 3px rgba(43,76,126,0.1);
        }
        .contact-submit {
            background: #2B4C7E;
            color: #fff;
            padding: 14px 36px;
            border: none;
            border-radius: 8px;
            font-size: 16px;
            font-weight: 700;
            cursor: pointer;
            font-family: 'Inter', sans-serif;
        }
        .contact-submit:hover { background: #1e3a63; }
        .legal-text {
            font-size: 14px !important;
            line-height: 1.8 !important;
            color: #6B7280 !important;
        }

        /* RESPONSIVE */
        @media (max-width: 768px) {
            nav { padding: 12px 20px; }
            .nav-links { display: none; }
            .hero-content { padding: 50px 20px; }
            .hero-content h1 { font-size: 32px; }
            .stat-grid { grid-template-columns: repeat(2, 1fr); }
            .rights-section { grid-template-columns: 1fr; padding: 40px 20px; }
            .facts-grid { grid-template-columns: 1fr; padding: 0 20px; }
            .didyouknow-section { grid-template-columns: 1fr; padding: 40px 20px; }
            .types-grid { grid-template-columns: repeat(2, 1fr); }
            .footer-content { flex-direction: column; }
        }