:root{--ink:#0f1b2d;--ink2:#33415c;--muted:#5b6780;--bg:#ffffff;--soft:#f4f6fa;--line:#e3e7ef;--brand:#0f2a4a;--accent:#e8a33d;--accent-d:#c9861f;--ok:#1f7a55;--r:14px;--max:1120px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg)}
img,svg{max-width:100%;height:auto}a{color:#1a4f8b}a:hover{color:var(--brand)}
h1,h2,h3{line-height:1.2;letter-spacing:-.01em;margin:0 0 .6em}h1{font-size:clamp(1.9rem,5.5vw,3rem)}h2{font-size:clamp(1.45rem,3.6vw,2.05rem)}h3{font-size:1.15rem}
p{margin:0 0 1em}ul{padding-left:1.2em}li{margin:.3em 0}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
/* header */
.hdr{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.2) blur(6px);border-bottom:1px solid var(--line)}
.hdr .wrap{display:flex;align-items:center;justify-content:space-between;min-height:64px;gap:12px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:800;font-size:1.1rem}
.logo small{display:block;font-weight:500;font-size:.72rem;color:var(--muted);letter-spacing:.02em}
.nav{position:relative}.nav summary{list-style:none;cursor:pointer;border:1px solid var(--line);border-radius:10px;padding:8px 12px;font-weight:600}
.nav summary::-webkit-details-marker{display:none}
.nav ul{list-style:none;margin:0;padding:10px;position:absolute;right:0;top:calc(100% + 8px);background:#fff;border:1px solid var(--line);border-radius:12px;min-width:230px;box-shadow:0 12px 30px rgba(15,27,45,.12)}
.nav li a{display:block;padding:10px 12px;border-radius:8px;text-decoration:none;color:var(--ink);font-weight:600}.nav li a:hover{background:var(--soft)}
.btn{display:inline-block;background:var(--accent);color:#1b1305;font-weight:700;text-decoration:none;padding:13px 20px;border-radius:12px;border:0;transition:background .15s}
.btn:hover{background:var(--accent-d);color:#1b1305}.btn.ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.6)}.btn.ghost:hover{background:rgba(255,255,255,.1);color:#fff}
.btn.dark{background:var(--brand);color:#fff}.btn.dark:hover{background:#0a1d34;color:#fff}
.nav .btn{color:#1b1305}
.dnav{display:none}
@media(min-width:900px){.nav{display:none}.dnav{display:flex;align-items:center;gap:4px}.dnav a{padding:8px 12px;border-radius:8px;text-decoration:none;color:var(--ink);font-weight:600}.dnav a:hover{background:var(--soft)}.dnav a.btn{padding:10px 16px;margin-left:6px;color:#1b1305}.dnav a.btn:hover{background:var(--accent-d)}}
/* hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,#1f4a7a 0%,transparent 60%),linear-gradient(160deg,#0f2a4a,#0b1c33);color:#fff;padding:56px 0 64px}
.hero p.lead{font-size:1.15rem;color:#d6dff0;max-width:720px}.hero .eyebrow{color:var(--accent)}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:700;color:#8a5a12;margin-bottom:.8em;display:block}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.trust{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:28px;padding:0;list-style:none;color:#cfd9ec;font-size:.95rem}
.trust li{display:flex;align-items:center;gap:8px}.trust b{color:#fff}
.crumbs{font-size:.85rem;color:#b9c6dd;margin-bottom:14px}.crumbs a{color:#dfe7f5}
/* sections */
section{padding:56px 0}.alt{background:var(--soft)}
.grid{display:grid;gap:18px}@media(min-width:640px){.g2{grid-template-columns:repeat(2,1fr)}}@media(min-width:900px){.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px}
.card h3 a{text-decoration:none;color:var(--ink)}.card h3 a:hover{color:#1a4f8b}
a.card{display:block;text-decoration:none;color:var(--ink);transition:border-color .15s,transform .15s}a.card:hover{border-color:#b8c4d8;transform:translateY(-2px)}
.card p{color:var(--ink2);margin:0}.more{font-weight:700;font-size:.92rem;margin-top:10px;display:inline-block}
.steps{counter-reset:s;list-style:none;padding:0}.steps li{counter-increment:s;position:relative;padding-left:52px;margin:0 0 18px}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:36px;height:36px;border-radius:50%;background:var(--brand);color:#fff;display:grid;place-items:center;font-weight:800}
.two{display:grid;gap:32px}@media(min-width:900px){.two{grid-template-columns:1.6fr 1fr}}
.aside{background:var(--soft);border:1px solid var(--line);border-radius:var(--r);padding:22px;align-self:start}
.aside h3{margin-top:0}.chips{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:0}
.chips li{margin:0}.chips a,.chips span{display:inline-block;padding:6px 12px;border-radius:999px;background:#fff;border:1px solid var(--line);font-size:.9rem;text-decoration:none;color:var(--ink)}
.checks{list-style:none;padding:0}.checks li{padding-left:28px;position:relative}.checks li::before{content:"";position:absolute;left:4px;top:.55em;width:12px;height:7px;border-left:2.5px solid var(--ok);border-bottom:2.5px solid var(--ok);transform:rotate(-45deg)}
.faq details{border:1px solid var(--line);border-radius:12px;padding:0 18px;margin:0 0 10px;background:#fff}
.faq summary{cursor:pointer;font-weight:700;padding:16px 0;list-style:none}.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;font-weight:800;color:var(--muted)}.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--ink2)}
.wrap.prose.faq{margin-left:auto;margin-right:auto}
.band{background:linear-gradient(135deg,#0f2a4a,#15375f);color:#fff;border-radius:18px;padding:34px 26px;display:grid;gap:16px}
.band p{color:#d6dff0;margin:0}@media(min-width:900px){.band{grid-template-columns:1.6fr auto;align-items:center;padding:40px}}
.note{font-size:.88rem;color:var(--muted)}
.prose{max-width:760px}.prose h2{margin-top:1.4em}
.stat{font-size:.95rem;color:var(--ink2)}
/* footer */
.ftr{background:#0b1627;color:#b9c6dd;padding:48px 0 28px;font-size:.93rem}.ftr a{color:#e2e9f5;text-decoration:none}.ftr a:hover{text-decoration:underline}
.ftr h4{color:#fff;margin:0 0 10px;font-size:1rem}.ftr ul{list-style:none;padding:0;margin:0}.ftr li{margin:6px 0}
.ftr .cols{display:grid;gap:26px}@media(min-width:760px){.ftr .cols{grid-template-columns:1.4fr 1fr 1fr 1fr}}
.ftr .legal{border-top:1px solid #1f2d45;margin-top:32px;padding-top:18px;font-size:.82rem;color:#8796b0}