:root{
  --navy:#0f2a3d; --navy-2:#173d57; --teal:#0e7c86; --teal-d:#0a5f67;
  --amber:#f2b01e; --amber-d:#d99a0b; --ink:#1c2630; --muted:#55626e;
  --line:#dfe5ea; --bg:#ffffff; --bg-soft:#f4f7f9; --warn-bg:#fff7e0;
  --radius:10px; --max:1120px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
[id]{scroll-margin-top:84px}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
img,svg{max-width:100%;height:auto}
a{color:var(--teal-d)}
a:hover{color:var(--navy)}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:0 0 .6em}
h1{font-size:clamp(1.9rem,5.2vw,2.9rem);letter-spacing:-.01em}
h2{font-size:clamp(1.45rem,3.6vw,1.95rem);margin-top:1.6em}
h3{font-size:1.15rem;margin-top:1.3em}
p,ul,ol{margin:0 0 1em}
li{margin-bottom:.35em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.narrow{max-width:780px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:100}
.skip:focus{left:8px}

/* Header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:64px}
.brand{display:flex;align-items:center;text-decoration:none;flex-shrink:1;min-width:0}
.brand img{display:block;height:40px;width:auto}
.header-actions{display:flex;align-items:center;gap:10px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:700;text-decoration:none;border-radius:8px;padding:12px 20px;border:2px solid transparent;font-size:1rem;line-height:1.2;cursor:pointer;white-space:nowrap;transition:background .15s,color .15s,border-color .15s;text-align:center}
.btn svg{width:18px;height:18px;flex-shrink:0}
.btn-primary{background:var(--amber);color:#1a1a1a}
.btn-primary:hover{background:var(--amber-d);color:#1a1a1a}
.btn-secondary{background:transparent;color:#fff;border-color:rgba(255,255,255,.75)}
.btn-secondary:hover{background:#fff;color:var(--navy)}
.btn-outline{background:#fff;color:var(--navy);border-color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-teal{background:var(--teal);color:#fff}
.btn-teal:hover{background:var(--teal-d);color:#fff}
.header-call{display:none}
.nav-toggle{list-style:none}
details.nav{position:relative}
details.nav summary{list-style:none;cursor:pointer;border:1px solid var(--line);border-radius:8px;padding:9px 12px;font-weight:600;color:var(--navy);display:flex;align-items:center;gap:6px;font-size:.95rem}
details.nav summary::-webkit-details-marker{display:none}
details.nav[open] summary{background:var(--bg-soft)}
.nav-links{position:absolute;right:0;top:calc(100% + 8px);background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 12px 30px rgba(15,42,61,.15);padding:8px;min-width:250px;display:flex;flex-direction:column}
.nav-links a{padding:10px 12px;border-radius:6px;text-decoration:none;color:var(--ink);font-weight:500}
.nav-links a:hover,.nav-links a[aria-current=page]{background:var(--bg-soft);color:var(--teal-d)}

.nav-desktop{display:none}
@media (min-width:1080px){
  .header-call{display:inline-flex}
  details.nav{display:none}
  .nav-desktop{display:flex;gap:2px;margin-left:auto;margin-right:10px}
  .nav-desktop a{padding:8px 9px;border-radius:6px;text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem;white-space:nowrap}
  .nav-desktop a:hover,.nav-desktop a[aria-current=page]{background:var(--bg-soft);color:var(--teal-d)}
  .brand img{height:44px}
}
@media (min-width:700px){.header-call{display:inline-flex}}

/* Hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 60%,#1d5670 100%);color:#e9f1f6;padding:44px 0 48px}
.hero h1{color:#fff}
.hero .lead{font-size:1.15rem;max-width:640px;color:#d7e4ec}
.hero-grid{display:grid;gap:28px}
.hero-ctas{display:flex;flex-wrap:wrap;gap:12px;margin:22px 0 18px}
.hero-ctas .btn{flex:1 1 200px;white-space:normal;padding:15px 20px;font-size:1.05rem}
.ticks{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.ticks li{display:flex;gap:10px;align-items:flex-start;margin:0}
.ticks svg{width:20px;height:20px;flex-shrink:0;margin-top:3px;color:var(--amber)}
.hero-card{background:#fff;color:var(--ink);border-radius:14px;padding:22px;box-shadow:0 18px 40px rgba(0,0,0,.25)}
.hero-card h2{margin-top:0;font-size:1.3rem}
.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:.8rem;font-weight:700;color:var(--amber);margin-bottom:.6em}
@media (min-width:960px){
  .hero{padding:64px 0 70px}
  .hero-grid{grid-template-columns:1.1fr .9fr;align-items:start;gap:48px}
  .hero-grid > div:first-child{padding-top:36px}
}

/* Page header (inner pages) */
.page-head{background:var(--bg-soft);border-bottom:1px solid var(--line);padding:34px 0 30px}
.page-head .lead{font-size:1.1rem;color:var(--muted);max-width:720px;margin-bottom:0}
.crumbs{font-size:.88rem;color:var(--muted);margin-bottom:10px}
.crumbs a{color:var(--muted)}

/* Sections */
.section{padding:48px 0}
.section.soft{background:var(--bg-soft)}
.section > .wrap > h2:first-child,.section h2.first{margin-top:0}
.grid{display:grid;gap:18px}
@media (min-width:700px){.grid-2{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:repeat(3,1fr)}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.card h3{margin-top:0}
.card .icon{width:44px;height:44px;border-radius:10px;background:#e3f2f3;color:var(--teal-d);display:flex;align-items:center;justify-content:center;margin-bottom:12px}
.card .icon svg{width:24px;height:24px}
.card p:last-child{margin-bottom:0}
a.card{text-decoration:none;color:inherit;display:block;transition:border-color .15s,box-shadow .15s}
a.card:hover{border-color:var(--teal);box-shadow:0 6px 18px rgba(15,42,61,.08)}
.more{font-weight:700;color:var(--teal-d)}
.steps{counter-reset:step;list-style:none;padding:0;margin:0;display:grid;gap:18px}
@media (min-width:800px){.steps{grid-template-columns:repeat(3,1fr)}}
.steps li{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;margin:0;position:relative}
.steps li::before{counter-increment:step;content:counter(step);display:flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;margin-bottom:12px}
.steps h3{margin-top:0}
.steps p{margin:0}
.notice{background:var(--warn-bg);border:1px solid #f0d27a;border-left:5px solid var(--amber);border-radius:var(--radius);padding:18px 20px;margin:1.4em 0}
.notice strong{color:#6b4b00}
.notice p:last-child{margin-bottom:0}
.info{background:#e8f4f5;border:1px solid #bfe0e3;border-left:5px solid var(--teal);border-radius:var(--radius);padding:18px 20px;margin:1.4em 0}
.info p:last-child{margin-bottom:0}
.two-col{display:grid;gap:36px}
@media (min-width:960px){.two-col{grid-template-columns:minmax(0,1fr) 340px;align-items:start}}
.sidebar{position:sticky;top:84px;display:grid;gap:16px}
.cta-box{background:var(--navy);color:#dfeaf1;border-radius:14px;padding:22px}
.cta-box h2,.cta-box h3{color:#fff;margin-top:0;font-size:1.25rem}
.cta-box .btn{width:100%;margin-top:10px}
.prose ul li::marker{color:var(--teal)}
.chips{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0}
.chips li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 14px;font-size:.95rem;margin:0}
.chips a{text-decoration:none;color:var(--ink)}
.cta-band{background:var(--teal-d);color:#e6f4f5;padding:40px 0}
.cta-band h2{color:#fff;margin-top:0}
.cta-band .row{display:flex;flex-direction:column;gap:18px}
.cta-band .btns{display:flex;flex-wrap:wrap;gap:12px}
@media (min-width:860px){.cta-band .row{flex-direction:row;align-items:center;justify-content:space-between}}

/* FAQ */
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--radius);margin-bottom:10px}
.faq summary{cursor:pointer;padding:16px 18px;font-weight:700;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.4rem;line-height:1;color:var(--teal)}
.faq details[open] summary::after{content:"\2212"}
.faq .answer{padding:0 18px 14px}

/* Form */
.form{display:grid;gap:14px}
.form .row2{display:grid;gap:14px}
@media (min-width:600px){.form .row2{grid-template-columns:1fr 1fr}}
.form label,.form legend{font-weight:600;font-size:.95rem;display:block;margin-bottom:5px;color:var(--navy)}
.form .opt{font-weight:400;color:var(--muted)}
.form input[type=text],.form input[type=tel],.form input[type=email],.form select,.form textarea{width:100%;font:inherit;font-size:16px;padding:11px 12px;border:1px solid #c5d0d8;border-radius:8px;background:#fff;color:var(--ink)}
.form textarea{min-height:90px;resize:vertical}
.form input:focus,.form select:focus,.form textarea:focus{outline:3px solid rgba(14,124,134,.25);border-color:var(--teal)}
.form fieldset{border:0;padding:0;margin:0}
.radios{display:flex;flex-wrap:wrap;gap:10px}
.radios label{font-weight:500;display:flex;align-items:center;gap:6px;border:1px solid #c5d0d8;border-radius:8px;padding:9px 14px;margin:0;cursor:pointer;color:var(--ink)}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.93rem;background:var(--bg-soft);border-radius:8px;padding:12px}
.consent input{margin-top:4px;width:18px;height:18px;flex-shrink:0}
.consent label{font-weight:500;color:var(--ink);margin:0}
.form .btn{width:100%;padding:15px;font-size:1.05rem}
.form-note{font-size:.85rem;color:var(--muted);margin:0}
.hp{position:absolute!important;left:-10000px!important;width:1px;height:1px;overflow:hidden}

/* Footer */
.site-footer{background:#0b1f2d;color:#b9c8d3;padding:44px 0 110px;font-size:.95rem}
.site-footer a{color:#e3edf3}
.footer-grid{display:grid;gap:26px}
@media (min-width:800px){.footer-grid{grid-template-columns:1.4fr 1fr 1fr}.site-footer{padding-bottom:40px}}
.site-footer h2{color:#fff;font-size:1rem;margin:0 0 .7em;text-transform:uppercase;letter-spacing:.06em}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:6px}
.disclaimer{border-top:1px solid #23394a;margin-top:28px;padding-top:20px;font-size:.88rem;color:#9fb1be}

/* Mobile sticky call bar */
.mobile-bar{position:fixed;left:0;right:0;bottom:0;z-index:60;display:grid;grid-template-columns:1fr 1fr;gap:8px;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.97);border-top:1px solid var(--line);box-shadow:0 -6px 18px rgba(15,42,61,.1)}
.mobile-bar .btn{padding:13px 10px}
@media (min-width:800px){.mobile-bar{display:none}}