:root{
  --ink:#16232b;--ink2:#4a5a63;--line:#dbe3e6;--bg:#ffffff;--soft:#f3f7f7;
  --brand:#0f4c5c;--brand2:#0b3a46;--accent:#e36414;--accent2:#c4520c;--ok:#2d7a4b;
  --r:10px;--shadow:0 6px 24px rgba(15,40,50,.10);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}
img{max-width:100%}
a{color:var(--brand)}
a:hover{color:var(--accent2)}
h1,h2,h3{line-height:1.2;color:var(--brand2)}
h1{font-size:clamp(1.8rem,4.5vw,2.6rem);margin:.2em 0 .4em}
h2{font-size:clamp(1.35rem,3vw,1.7rem);margin:1.6em 0 .5em}
h3{font-size:1.15rem;margin:.2em 0 .4em}
.wrap{max-width:1140px;margin:0 auto;padding:0 16px}
.narrow{max-width:760px}
.center{text-align:center}
.block{padding:40px 16px}
.muted{color:var(--ink2)}
.small{font-size:.85rem}
.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:8px;background:#fff;padding:8px;z-index:99}
mark.todo{background:#fff3a3;padding:0 4px;border-radius:3px}

.topnote{background:var(--brand2);color:#e6f0f2;font-size:.85rem;text-align:center;padding:6px 0}
header.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.head{display:flex;align-items:center;gap:20px;min-height:64px}
.logo{display:flex;align-items:center;gap:8px;font-weight:800;font-size:1.2rem;color:var(--brand);text-decoration:none;white-space:nowrap}
.nav{display:flex;gap:18px;list-style:none;margin:0 auto 0 0;padding:0}
.nav a{text-decoration:none;color:var(--ink);font-weight:500;font-size:.95rem}
.nav a[aria-current],.nav a:hover{color:var(--accent2)}
.head-cta{display:flex;gap:8px}
.menu{display:none;margin-left:auto}
.menu summary{list-style:none;cursor:pointer;font-weight:600;padding:8px 12px;border:1px solid var(--line);border-radius:8px}
.menu summary::-webkit-details-marker{display:none}
.menu ul{position:absolute;left:0;right:0;top:64px;background:#fff;border-bottom:1px solid var(--line);list-style:none;margin:0;padding:8px 16px;box-shadow:var(--shadow)}
.menu li a{display:block;padding:10px 0;text-decoration:none;color:var(--ink);border-bottom:1px solid var(--soft)}

.btn{display:inline-block;background:var(--accent);color:#fff;border:2px solid var(--accent);border-radius:8px;padding:10px 18px;font-weight:700;text-decoration:none;cursor:pointer;font-size:1rem;text-align:center}
.btn:hover{background:var(--accent2);border-color:var(--accent2);color:#fff}
.btn-ghost{background:transparent;color:var(--brand);border-color:var(--brand)}
.btn-ghost:hover{background:var(--brand);color:#fff;border-color:var(--brand)}
.btn-sm{padding:7px 14px;font-size:.92rem}
.btn-lg{padding:14px 24px;font-size:1.08rem}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin:20px 0}

.hero{background:linear-gradient(180deg,var(--soft),#fff);border-bottom:1px solid var(--line)}
.hero-in{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;padding:48px 16px;align-items:start}
.hero-sm .wrap{padding-top:36px;padding-bottom:24px}
.lead{font-size:1.15rem;color:var(--ink2);max-width:62ch}
.ticks{list-style:none;padding:0;margin:16px 0 0}
.ticks li{padding-left:28px;position:relative;margin:6px 0}
.ticks li:before{content:"";position:absolute;left:4px;top:.45em;width:12px;height:7px;border-left:3px solid var(--ok);border-bottom:3px solid var(--ok);transform:rotate(-45deg)}

.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{display:block;border:1px solid var(--line);border-radius:var(--r);padding:22px;text-decoration:none;color:var(--ink);background:#fff;transition:box-shadow .15s,border-color .15s}
.card:hover{box-shadow:var(--shadow);border-color:var(--brand);color:var(--ink)}
.card p{margin:.2em 0 .6em;color:var(--ink2)}
.more{color:var(--accent2);font-weight:700}
.band{background:var(--soft)}
.steps{counter-reset:s;list-style:none;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px}
.steps li:before{content:counter(s);display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--brand);color:#fff;font-weight:800;margin-bottom:8px}
.steps strong{display:block;margin-bottom:4px}
.steps span{color:var(--ink2);font-size:.95rem}
.pills{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:10px}
.pills a{display:inline-block;padding:7px 14px;border:1px solid var(--line);border-radius:99px;text-decoration:none;background:#fff;font-size:.95rem}
.pills a:hover{border-color:var(--brand)}
.note{font-size:.9rem;color:var(--ink2);border-left:3px solid var(--brand);padding:8px 14px;background:var(--soft);border-radius:0 8px 8px 0}
.alert{background:#fff7e6;border:1px solid #f3d29b;border-radius:8px;padding:12px 16px;font-size:.95rem}
.zone{background:var(--soft);padding:12px 16px;border-radius:8px}

.two-col{display:grid;grid-template-columns:minmax(0,1fr) 380px;gap:40px;padding-top:24px;padding-bottom:48px;align-items:start}
.two-col aside{position:sticky;top:84px}
.prose{max-width:72ch}
.list{padding-left:1.2em}.list li{margin:6px 0}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:8px}
table{border-collapse:collapse;width:100%;font-size:.95rem}
th,td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--soft)}
tr:last-child td{border-bottom:0}
.faq details{border:1px solid var(--line);border-radius:8px;margin:10px 0;background:#fff}
.faq summary{cursor:pointer;padding:12px 16px;font-weight:600}
.faq details p{margin:0;padding:0 16px 14px;color:var(--ink2)}

.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:10px 0;margin:0;font-size:.85rem;color:var(--ink2)}
.crumbs li+li:before{content:"›";margin-right:6px}

.formbox{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--shadow)}
.formbox h2{margin-top:0;font-size:1.3rem}
.formbox form{display:grid;gap:14px}
fieldset{border:0;padding:0;margin:0}
legend{font-weight:600;margin-bottom:6px;font-size:.95rem}
.checks{display:grid;gap:6px}
.checks label,.consent{display:flex;gap:10px;align-items:flex-start;font-size:.95rem}
.consent{font-size:.85rem;color:var(--ink2)}
.checks input,.consent input{margin-top:.3em;width:18px;height:18px;flex:none}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.grid2 label{display:grid;gap:4px;font-size:.9rem;font-weight:600}
.span2{grid-column:1/-1}
input[type=text],input[type=tel],input[type=email],select,textarea{width:100%;font:inherit;font-weight:400;padding:10px 12px;border:1px solid #b9c6cb;border-radius:8px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:2px solid var(--brand);outline-offset:1px}
.hp{display:none}
.hero-card .formbox{padding:20px}
.two-col aside .grid2,.hero-card .grid2{grid-template-columns:1fr}

footer.site{background:var(--brand2);color:#d6e4e8;margin-top:40px;font-size:.92rem}
footer.site a{color:#fff;text-decoration:none}
footer.site a:hover{text-decoration:underline}
.foot{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px;padding-top:40px;padding-bottom:24px}
.foot ul{list-style:none;padding:0;margin:0}.foot li{margin:5px 0}
.foot-brand{font-weight:800;font-size:1.15rem;color:#fff;margin-top:0}
.foot-h{font-weight:700;color:#fff;margin-top:0}
.foot-bottom{border-top:1px solid rgba(255,255,255,.15);padding-top:14px;padding-bottom:20px;font-size:.82rem}
.foot-bottom mark.todo{color:var(--ink)}
.mbar{display:none}

@media (max-width:980px){
  .nav,.head-cta{display:none}
  .menu{display:block}
  .hero-in,.two-col{grid-template-columns:1fr}
  .two-col aside{position:static}
  .steps{grid-template-columns:1fr 1fr}
  .foot{grid-template-columns:1fr 1fr}
}
@media (max-width:640px){
  body{font-size:16px;padding-bottom:70px}
  .cards3,.steps,.grid2,.foot{grid-template-columns:1fr}
  .hero-in{padding:28px 16px}
  .mbar{display:flex;gap:8px;position:fixed;left:0;right:0;bottom:0;padding:10px 16px;background:#fff;border-top:1px solid var(--line);z-index:30}
  .mbar .btn{flex:1;padding:12px}
}
.topnote a{color:#fff}