:root{--navy:#0b2a4a;--navy-2:#123a63;--blue:#0f6fb3;--blue-l:#e8f2fa;--sky:#cfe5f5;--amber:#ffb21e;--amber-d:#e89a00;--ink:#16202b;--muted:#4f5d6b;--line:#d9e2ea;--bg:#ffffff;--bg-2:#f4f7fa;--ok:#1d7a46;--r:10px;--sh:0 10px 30px rgba(11,42,74,.12);--f:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--f);font-size:17px;line-height:1.65;color:var(--ink);background:var(--bg);padding-bottom:64px}
@media(min-width:900px){body{padding-bottom:0}}
img,svg{max-width:100%;height:auto}
a{color:var(--blue);text-underline-offset:2px}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--amber);outline-offset:2px}
h1,h2,h3{line-height:1.2;color:var(--navy);letter-spacing:-.01em}
h1{font-size:clamp(1.9rem,4.2vw,2.8rem);margin:.2em 0 .4em}
h2{font-size:clamp(1.45rem,2.8vw,1.95rem);margin:1.8em 0 .6em}
h3{font-size:1.2rem;margin:1.5em 0 .4em}
.sr,.hp-wrap{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);clip-path:inset(50%);white-space:nowrap;border:0;padding:0;margin:-1px}
.skip{position:absolute;left:-999px;top:0;background:var(--amber);color:var(--navy);padding:8px 14px;z-index:100;font-weight:700}
.skip:focus{left:8px;top:8px}
.wrap{max-width:1180px;margin:0 auto;padding:0 18px}
.wrap--narrow{max-width:800px}
.ico{width:1.1em;height:1.1em;fill:currentColor;flex:0 0 auto;vertical-align:-.15em}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;border:2px solid transparent;border-radius:999px;padding:.6em 1.15em;font:700 1rem/1.2 var(--f);text-decoration:none;cursor:pointer;transition:background .15s,color .15s,border-color .15s}
.btn--lg{padding:.8em 1.4em;font-size:1.05rem}
.btn--block{width:100%}
.btn--cta{background:var(--amber);color:var(--navy)}
.btn--cta:hover{background:var(--amber-d);color:var(--navy)}
.btn--ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.7)}
.btn--ghost:hover{background:#fff;color:var(--navy)}
.btn--light{background:#fff;color:var(--navy);border-color:var(--line)}
.btn--light:hover{border-color:var(--navy)}
.linkish{background:none;border:0;padding:0;font:inherit;color:inherit;text-decoration:underline;cursor:pointer}
/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:40}
.site-header__inner{display:flex;align-items:center;gap:16px;min-height:68px}
.logo{display:flex;flex:0 0 auto}
.logo img{width:190px;height:auto}
.site-nav{margin-left:auto}
.site-nav ul{list-style:none;margin:0;padding:0}
.site-nav>ul{display:flex;gap:4px}
.site-nav a{display:block;padding:10px 12px;color:var(--navy);font-weight:600;text-decoration:none;border-radius:8px}
.site-nav a:hover{background:var(--bg-2)}
.has-sub{position:relative}
.sub{position:absolute;top:100%;left:0;min-width:270px;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh);padding:8px!important;display:none}
.has-sub:hover .sub,.has-sub:focus-within .sub{display:block}
.sub a{font-weight:500}
.site-header__cta{display:flex;align-items:center;gap:12px}
.hdr-phone{display:flex;align-items:center;gap:6px;font-weight:800;color:var(--navy);text-decoration:none;white-space:nowrap}
.nav-toggle{display:none;margin-left:auto;background:none;border:0;width:44px;height:44px;cursor:pointer;position:relative}
.nav-toggle__bar,.nav-toggle__bar::before,.nav-toggle__bar::after{position:absolute;left:11px;width:22px;height:2px;background:var(--navy);content:""}
.nav-toggle__bar{top:21px}.nav-toggle__bar::before{top:-7px;left:0}.nav-toggle__bar::after{top:7px;left:0}
@media(max-width:1060px){.hdr-phone span{display:none}}
@media(max-width:899px){
 .nav-toggle{display:block}
 .site-header__cta .btn{display:none}
 .site-nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--sh);max-height:calc(100vh - 68px);overflow:auto}
 .site-nav.is-open{display:block}
 .site-nav>ul{flex-direction:column;padding:8px 12px 16px}
 .sub{position:static;display:block;box-shadow:none;border:0;padding:0 0 0 12px!important;min-width:0}
 .hdr-phone{margin-left:4px}
}
/* hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 60%,#15507f 100%);color:#e9f2fa;padding:28px 0 40px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;bottom:-160px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(207,229,245,.18),transparent 70%);pointer-events:none}
.hero h1{color:#fff}
.hero a{color:#fff}
.hero__grid{display:grid;gap:28px;align-items:start}
@media(min-width:900px){.hero__grid{grid-template-columns:1.15fr .85fr;gap:48px}.hero{padding:40px 0 56px}}
.hero__lead{font-size:1.12rem;color:#d6e6f3;max-width:640px}
.ticks{list-style:none;padding:0;margin:18px 0}
.ticks li{display:flex;gap:8px;align-items:flex-start;margin:6px 0}
.ticks .ico{color:var(--amber);margin-top:4px}
.hero__ctas{display:flex;flex-wrap:wrap;gap:12px;margin:20px 0 12px}
.hero__area{display:flex;gap:6px;align-items:center;font-size:.95rem;color:#bcd3e6}
.post-date{font-size:.95rem;color:#bcd3e6}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0;margin:0 0 8px;font-size:.88rem;color:#bcd3e6}
.crumbs li+li::before{content:"›";margin-right:6px}
.crumbs a{color:#dbe9f5}
/* forms */
.lead-form{background:#fff;color:var(--ink);border-radius:14px;padding:20px;box-shadow:var(--sh)}
.lead-form__title{font-size:1.25rem;font-weight:800;color:var(--navy);margin:0 0 2px}
.lead-form__sub{margin:0 0 12px;color:var(--muted);font-size:.95rem}
.lead-form__error{background:#fdecea;color:#8a1c12;border-radius:8px;padding:8px 10px;font-size:.92rem}
.lead-form__note{font-size:.8rem;color:var(--muted);margin:10px 0 0}
.lead-form__note a{color:var(--blue)}
.field{margin:0 0 10px}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.field label{display:block;font-weight:600;font-size:.9rem;margin-bottom:3px;color:var(--navy)}
.opt{font-weight:400;color:var(--muted)}
.field input,.field select,.field textarea{width:100%;font:inherit;font-size:1rem;padding:.6em .7em;border:1.5px solid #b9c7d4;border-radius:8px;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--blue);outline:2px solid var(--sky);outline-offset:0}
.field textarea{resize:vertical;min-height:58px}
/* content */
.content{padding:24px 0 8px}
.prose>*:first-child{margin-top:1em}
.prose p,.prose li{max-width:72ch}
.prose ul,.prose ol{padding-left:1.25em}
.prose li{margin:.3em 0}
.prose .answer{background:var(--blue-l);border-left:4px solid var(--blue);padding:14px 18px;border-radius:0 var(--r) var(--r) 0;font-size:1.05rem}
.prose .note{background:#fff7e6;border-left:4px solid var(--amber);padding:12px 16px;border-radius:0 var(--r) var(--r) 0}
.prose table{width:100%;border-collapse:collapse;margin:1em 0;font-size:.97rem;display:block;overflow-x:auto}
.prose th,.prose td{border:1px solid var(--line);padding:9px 11px;text-align:left;vertical-align:top}
.prose th{background:var(--bg-2);color:var(--navy)}
.prose .grid-links{list-style:none;padding:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:8px}
.prose .grid-links li{margin:0}
.prose .grid-links a{display:block;padding:10px 12px;border:1px solid var(--line);border-radius:8px;text-decoration:none;font-weight:600;background:#fff}
.prose .grid-links a:hover{border-color:var(--blue);background:var(--blue-l)}
.prose .steps{counter-reset:s;list-style:none;padding:0}
.prose .steps li{counter-increment:s;position:relative;padding:4px 0 4px 44px;margin:10px 0}
.prose .steps li::before{content:counter(s);position:absolute;left:0;top:2px;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center;font-size:.9rem}
/* cards */
.cards{list-style:none;padding:0;margin:16px 0;display:grid;gap:14px;grid-template-columns:repeat(auto-fill,minmax(250px,1fr))}
.card a{display:flex;flex-direction:column;gap:6px;height:100%;padding:18px;border:1px solid var(--line);border-radius:var(--r);text-decoration:none;color:var(--ink);background:#fff;transition:border-color .15s,box-shadow .15s}
.card a:hover{border-color:var(--blue);box-shadow:var(--sh)}
.card__title{font-weight:700;color:var(--navy);font-size:1.05rem}
.card__text{color:var(--muted);font-size:.95rem}
.card__meta{font-size:.82rem;color:var(--muted)}
.related{padding:8px 0 24px}
.pager{margin:24px 0;display:flex;gap:8px}
.pager .page-numbers{padding:6px 12px;border:1px solid var(--line);border-radius:8px;text-decoration:none}
/* faq */
.faq{background:var(--bg-2);padding:8px 0 36px;margin-top:28px}
.faq__item{background:#fff;border:1px solid var(--line);border-radius:var(--r);margin:10px 0}
.faq__item summary{cursor:pointer;padding:14px 44px 14px 16px;font-weight:700;color:var(--navy);position:relative;list-style:none}
.faq__item summary::-webkit-details-marker{display:none}
.faq__item summary::after{content:"+";position:absolute;right:16px;top:10px;font-size:1.4rem;color:var(--blue)}
.faq__item[open] summary::after{content:"–"}
.faq__a{padding:0 16px 6px}
/* cta band */
.cta-band{background:var(--navy);color:#dbe9f5;padding:32px 0}
.cta-band h2{color:#fff;margin:0 0 6px}
.cta-band p{margin:0;max-width:640px}
.cta-band__inner{display:grid;gap:18px;align-items:center}
@media(min-width:900px){.cta-band__inner{grid-template-columns:1fr auto}}
.cta-band__btns{display:flex;flex-wrap:wrap;gap:12px}
/* footer */
.site-footer{background:#081f37;color:#c7d6e4;padding:40px 0 0;font-size:.95rem}
.site-footer a{color:#e6eff7}
.site-footer__grid{display:grid;gap:28px}
@media(min-width:900px){.site-footer__grid{grid-template-columns:1.1fr .8fr 1fr 1.2fr}}
.site-footer__h{font-weight:800;color:#fff;margin:0 0 8px}
.flinks{list-style:none;padding:0;margin:0}
.flinks li{margin:4px 0}
.flinks--cols{columns:2;column-gap:14px}
.nap{list-style:none;padding:0}
.nap li{display:flex;gap:8px;align-items:center;margin:6px 0}
.site-footer__form .lead-form{box-shadow:none}
.site-footer__base{display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px;border-top:1px solid rgba(255,255,255,.12);margin-top:32px;padding:16px 18px 20px}
.site-footer__base p{margin:0}
.site-footer__base ul{list-style:none;display:flex;flex-wrap:wrap;gap:14px;margin:0;padding:0}
/* mobile bar */
.mobile-bar{position:fixed;left:0;right:0;bottom:0;z-index:50;display:grid;grid-template-columns:1fr 1fr;gap:8px;padding:8px;background:#fff;border-top:1px solid var(--line);box-shadow:0 -6px 18px rgba(11,42,74,.1)}
.mobile-bar .btn{padding:.75em .5em}
@media(min-width:900px){.mobile-bar{display:none}}
/* modal */
.modal{border:0;padding:0;border-radius:16px;max-width:460px;width:calc(100% - 24px);box-shadow:var(--sh)}
.modal::backdrop{background:rgba(8,31,55,.6)}
.modal__box{padding:18px 18px 8px;position:relative}
.modal__title{font-weight:800;font-size:1.3rem;color:var(--navy);margin:0 30px 6px 4px}
.modal .lead-form{box-shadow:none;padding:4px}
.modal .lead-form__title{display:none}
.modal__close{position:absolute;right:10px;top:8px;width:40px;height:40px;border:0;background:none;font-size:1.8rem;line-height:1;color:var(--navy);cursor:pointer;border-radius:50%}
/* cookie */
.cookie{position:fixed;left:12px;right:12px;bottom:76px;z-index:60;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--sh);padding:14px 16px;max-width:560px;font-size:.92rem}
.cookie[hidden]{display:none}
.cookie p{margin:0 0 10px}
.cookie__btns{display:flex;gap:10px;justify-content:flex-end}
@media(min-width:900px){.cookie{bottom:16px}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media(max-width:899px){.hero .ticks,.hero__area,.hero__ctas{display:none}.hero{padding:20px 0 28px}.hero__lead{font-size:1.02rem}}