:root{--ink:#16232b;--muted:#556570;--brand:#0b4f6c;--brand-d:#083a50;--accent:#e08a1e;--accent-d:#c2730f;--bg:#fff;--soft:#f3f6f7;--line:#dde5e8;--r:10px;--wrap:1120px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--brand)}
a:hover{color:var(--brand-d)}
h1,h2,h3{line-height:1.2;margin:0 0 .6em}
h1{font-size:clamp(1.9rem,5vw,2.9rem);letter-spacing:-.01em}
h2{font-size:clamp(1.4rem,3vw,1.8rem)}
h3{font-size:1.15rem}
p{margin:0 0 1em}
ul,ol{padding-left:1.25em;margin:0 0 1em}
li{margin:.3em 0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.narrow{max-width:780px}
.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:10}
.site-header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:5}
.bar{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap;padding-top:10px;padding-bottom:10px}
.logo{display:flex;align-items:center;gap:8px;font-weight:800;color:var(--brand);text-decoration:none;font-size:1.1rem}
.nav{display:flex;align-items:center;gap:4px 16px;flex-wrap:wrap;font-size:.95rem}
.nav a:not(.btn){color:var(--ink);text-decoration:none;padding:4px 0}
.nav a[aria-current]{color:var(--brand);font-weight:700}
.btn{display:inline-block;background:var(--accent);color:#1b1205;font-weight:700;text-decoration:none;border:0;border-radius:var(--r);padding:.7em 1.2em;cursor:pointer;font:inherit;font-weight:700;line-height:1.2}
.btn:hover{background:var(--accent-d);color:#1b1205}
.nav .btn{color:#1b1205}
.btn-sm{padding:.45em .9em;font-size:.92rem}
.btn-lg{padding:.9em 1.5em;font-size:1.05rem}
.btn-ghost{background:transparent;color:var(--brand);box-shadow:inset 0 0 0 2px var(--brand)}
.btn-ghost:hover{background:var(--brand);color:#fff}
.crumbs{font-size:.85rem;color:var(--muted);padding-top:12px}
.crumbs a{color:var(--muted)}
.hero{background:linear-gradient(160deg,#eaf3f6 0%,#fff 60%);padding:48px 0 56px}
.hero-inner{display:grid;gap:32px;align-items:center}
.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:.8rem;font-weight:700;color:var(--brand);margin-bottom:.5em}
.lead{font-size:1.15rem;color:#2d3d46}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap;margin:1.2em 0 .8em}
.note{font-size:.9rem;color:var(--muted)}
.hero-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px;box-shadow:0 8px 30px rgba(11,79,108,.08)}
.hc-title{font-weight:800;font-size:1.1rem;color:var(--brand)}
.steps{counter-reset:s;list-style:none;padding:0;margin:0}
.steps li{counter-increment:s;position:relative;padding-left:44px;margin:0 0 16px}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:30px;height:30px;border-radius:50%;background:var(--brand);color:#fff;font-weight:700;display:grid;place-items:center;font-size:.9rem}
.steps.small li{padding-left:38px}
.sec{padding:48px 0}
.alt{background:var(--soft)}
.sec-lead{color:var(--muted);max-width:720px}
.grid4{display:grid;gap:16px;grid-template-columns:repeat(auto-fill,minmax(240px,1fr))}
.card{display:block;border:1px solid var(--line);border-radius:var(--r);padding:20px;text-decoration:none;color:var(--ink);background:#fff;transition:border-color .15s,box-shadow .15s}
.card:hover{border-color:var(--brand);box-shadow:0 4px 18px rgba(11,79,108,.1);color:var(--ink)}
.card h3{color:var(--brand)}
.more{font-weight:700;color:var(--brand);font-size:.95rem}
.muted{color:var(--muted)}
.two{display:grid;gap:32px}
.checks{list-style:none;padding:0}
.checks li{padding-left:30px;position:relative;margin-bottom:12px}
.checks li::before{content:"";position:absolute;left:0;top:.35em;width:18px;height:18px;border-radius:50%;background:var(--brand) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='none' stroke='%23fff' stroke-width='3' d='M6 12l4 4 8-8'/%3E%3C/svg%3E") center/14px no-repeat}
.stat-box{background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px;align-self:start}
.stat-h{font-weight:800;color:var(--brand)}
.stats{margin:0}
.stats div{display:flex;justify-content:space-between;gap:12px;padding:10px 0;border-bottom:1px solid var(--line)}
.stats dt{color:var(--muted)}
.stats dd{margin:0;font-weight:800;white-space:nowrap}
.fine-note{font-size:.82rem;color:var(--muted);margin-top:12px}
.chips{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:8px}
.chips li{margin:0}
.chips a{display:inline-block;padding:.35em .85em;border:1px solid var(--line);border-radius:999px;text-decoration:none;background:#fff;font-size:.95rem}
.chips a:hover{border-color:var(--brand)}
.cta-band{background:var(--brand);color:#fff;padding:40px 0}
.cta-band h2{color:#fff}
.cta-band p{color:#d7e8ef;margin:0}
.cta-inner{display:flex;flex-wrap:wrap;gap:20px;align-items:center;justify-content:space-between}
.page-head{background:linear-gradient(160deg,#eaf3f6 0%,#fff 70%);padding:32px 0 36px}
.prose h2{margin-top:1.4em}
.prose h2:first-child{margin-top:0}
.side{display:grid;gap:16px;align-content:start}
.side-box{border:1px solid var(--line);border-radius:var(--r);padding:18px;background:var(--soft)}
.side-h{font-weight:800;margin-bottom:.5em}
.side-box ul{margin:0}
.disclaimer{font-size:.9rem;color:var(--muted);border-left:3px solid var(--line);padding-left:12px;margin-top:1.5em}
.svc-row{border-bottom:1px solid var(--line);padding:20px 0}
.svc-row h2 a{text-decoration:none}
.faq details{border:1px solid var(--line);border-radius:var(--r);padding:0 18px;margin-bottom:12px;background:#fff}
.faq summary{cursor:pointer;font-weight:700;padding:16px 0;list-style-position:outside}
.faq details[open] summary{color:var(--brand)}
.faq details>p{margin-bottom:16px}
.quote{border:1px solid var(--line);border-radius:14px;padding:24px;background:#fff}
.f{display:flex;flex-direction:column;margin-bottom:16px}
.f2{display:grid;gap:0 16px}
label{font-weight:700;margin-bottom:6px;font-size:.95rem}
.opt{font-weight:400;color:var(--muted)}
input,select,textarea{font:inherit;padding:.65em .75em;border:1px solid #b8c6cc;border-radius:8px;background:#fff;color:var(--ink);width:100%}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(11,79,108,.25);border-color:var(--brand)}
.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
.consent{font-size:.85rem;color:var(--muted)}
.site-footer{background:#0f1c22;color:#c3d0d5;padding:40px 0 20px;font-size:.93rem}
.site-footer a{color:#e6eef1}
.foot-grid{display:grid;gap:24px}
.foot-brand{font-weight:800;color:#fff;font-size:1.1rem}
.foot-h{font-weight:700;color:#fff;margin-bottom:.4em}
.site-footer ul{list-style:none;padding:0;margin:0}
.fine{border-top:1px solid #253a43;margin-top:24px;padding-top:16px;font-size:.82rem;color:#8fa3ab}
@media (min-width:760px){
 .hero-inner{grid-template-columns:1.25fr 1fr}
 .two{grid-template-columns:1fr 1fr}
 .two.wide-left{grid-template-columns:2fr 1fr}
 .f2{grid-template-columns:1fr 1fr}
 .foot-grid{grid-template-columns:2fr 1fr 1fr 1fr}
 .hero{padding:72px 0 80px}
}
@media (max-width:520px){.site-header{position:static}.bar{justify-content:center;gap:6px}.nav{font-size:.88rem;gap:2px 12px;justify-content:center}.nav .btn-sm{padding:.35em .7em;font-size:.85rem}}