:root{--navy:#2c3e50;--blue:#3498db;--red:#e74c3c;--red-d:#c0392b;--ink:#1f2d3a;--muted:#5b6b7a;--line:#e3e8ee;--bg:#ffffff;--soft:#f5f8fb;--max:1120px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.65 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg)}
img{max-width:100%;height:auto;display:block}
a{color:#1f6fb2}
a:hover{color:var(--navy)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}
/* header */
.topbar{background:var(--navy);color:#fff;font-size:14px}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;padding-top:6px;padding-bottom:6px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none;font-weight:600}
.site-h{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.site-h .wrap{display:flex;align-items:center;justify-content:space-between;min-height:64px;gap:16px}
.brand{font-weight:800;font-size:20px;color:var(--navy);text-decoration:none;letter-spacing:-.2px;line-height:1.1}
.brand span{color:var(--blue)}
.brand small{display:block;font-size:12px;font-weight:600;color:var(--muted);letter-spacing:.2px}
nav ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;flex-wrap:wrap}
nav a{display:block;padding:8px 10px;border-radius:6px;text-decoration:none;color:var(--navy);font-weight:600;font-size:15px}
nav a:hover,nav a[aria-current=page]{background:var(--soft);color:#1f6fb2}
.btn{display:inline-block;background:var(--red);color:#fff !important;text-decoration:none;font-weight:700;padding:13px 22px;border-radius:8px;border:0;line-height:1.2}
.btn:hover{background:var(--red-d)}
.btn.alt{background:#fff;color:var(--navy) !important;border:2px solid #fff}
.btn.ghost{background:transparent;border:2px solid var(--navy);color:var(--navy) !important}
.menu{display:none}
@media (max-width:900px){
 .site-h nav{display:none}
 .menu{display:block;position:relative}
 .menu summary{list-style:none;cursor:pointer;font-weight:700;color:var(--navy);padding:8px 12px;border:1px solid var(--line);border-radius:8px}
 .menu summary::-webkit-details-marker{display:none}
 .menu ul{position:absolute;right:0;top:46px;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:0 10px 30px rgba(0,0,0,.12);padding:8px;display:block;min-width:230px;list-style:none;margin:0}
 .menu a{display:block;padding:10px 12px;color:var(--navy);text-decoration:none;font-weight:600}
}
/* hero */
.hero{position:relative;color:#fff;background:var(--navy)}
.hero img{width:100%;height:520px;object-fit:cover;opacity:.55}
.hero .in{position:absolute;inset:0;display:flex;align-items:center}
.hero h1{font-size:44px;line-height:1.12;margin:0 0 14px;max-width:760px;letter-spacing:-.5px}
.hero p{font-size:19px;max-width:640px;margin:0 0 22px}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap}
.phero{background:linear-gradient(135deg,var(--navy),#34495e);color:#fff;padding:52px 0 44px}
.phero h1{font-size:38px;line-height:1.15;margin:0 0 12px;letter-spacing:-.4px}
.phero p{font-size:18px;max-width:720px;margin:0 0 20px;opacity:.95}
.crumbs{font-size:14px;margin-bottom:14px;opacity:.9}.crumbs a{color:#fff}
@media (max-width:700px){.hero img{height:560px}.hero h1{font-size:32px}.phero h1{font-size:29px}.hero p{font-size:17px}}
/* trust strip */
.trust{background:var(--soft);border-bottom:1px solid var(--line)}
.trust ul{list-style:none;margin:0;padding:14px 0;display:flex;flex-wrap:wrap;gap:10px 28px;justify-content:center;font-size:15px;font-weight:600;color:var(--navy)}
.trust li::before{content:"✓ ";color:var(--blue)}
/* content */
main section{padding:44px 0}
main section.soft{background:var(--soft)}
h2{font-size:30px;line-height:1.2;color:var(--navy);margin:0 0 16px;letter-spacing:-.3px}
h3{font-size:21px;color:var(--navy);margin:26px 0 8px}
.lead{font-size:19px;color:#34495e}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px;border-top:4px solid var(--blue)}
.card h3{margin-top:0}
.card a.more{font-weight:700;text-decoration:none}
.two{display:grid;grid-template-columns:1.15fr .85fr;gap:36px;align-items:start}
@media (max-width:860px){.two{grid-template-columns:1fr}}
figure{margin:0}
figure img{border-radius:12px}
figcaption{font-size:14px;color:var(--muted);margin-top:8px}
ul.check{list-style:none;padding:0;margin:12px 0}
ul.check li{padding-left:28px;position:relative;margin:8px 0}
ul.check li::before{content:"✓";position:absolute;left:0;top:0;color:var(--blue);font-weight:800}
.steps{counter-reset:s;list-style:none;padding:0}
.steps li{counter-increment:s;position:relative;padding:4px 0 14px 50px}
.steps li::before{content:counter(s);position:absolute;left:0;top:2px;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}
.note{background:#fff8e6;border-left:4px solid #f0b429;padding:14px 18px;border-radius:6px}
.tags{display:flex;flex-wrap:wrap;gap:8px;margin:10px 0 0;padding:0;list-style:none}
.tags li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:5px 12px;font-size:15px}
.tags a{text-decoration:none}
/* faq */
.faq details{border:1px solid var(--line);border-radius:10px;margin:12px 0;background:#fff}
.faq summary{cursor:pointer;padding:16px 18px;font-weight:700;color:var(--navy);list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary h3{display:inline;font-size:18px;margin:0}
.faq summary::after{content:"+";float:right;font-size:22px;line-height:1;color:var(--blue)}
.faq details[open] summary::after{content:"–"}
.faq .a{padding:0 18px 16px}
.faq .a p{margin:0}
/* cta */
.cta{background:var(--navy);color:#fff;border-radius:14px;padding:34px;display:flex;gap:24px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.cta h2{color:#fff;margin:0 0 6px}
.cta p{margin:0;opacity:.95}
.cta .ctas{display:flex;gap:12px;flex-wrap:wrap}
/* footer */
footer{background:#1d2a36;color:#cfd8e1;font-size:15px;padding:44px 0 90px}
footer a{color:#fff}
footer .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:28px}
footer h4{color:#fff;margin:0 0 10px;font-size:16px}
footer ul{list-style:none;padding:0;margin:0}footer li{margin:6px 0}
footer .legal{border-top:1px solid #34495e;margin-top:28px;padding-top:16px;font-size:13px}
/* mobile call bar */
.callbar{position:fixed;left:0;right:0;bottom:0;display:none;z-index:30;box-shadow:0 -4px 16px rgba(0,0,0,.15)}
.callbar a{flex:1;text-align:center;padding:14px 8px;font-weight:800;text-decoration:none;color:#fff}
.callbar .c1{background:var(--navy)}.callbar .c2{background:var(--red)}
@media (max-width:700px){.callbar{display:flex}.topbar{display:none}}
/* layout fixes */
.btn{white-space:nowrap}
nav ul{flex-wrap:nowrap;gap:0}
nav a{padding:8px 9px;font-size:15px;white-space:nowrap}
nav li.home-l{display:none}
@media (max-width:1100px){nav a{padding:8px 6px;font-size:14px}}
@media (max-width:900px){.hbtn{display:none}}
.brand{white-space:nowrap}
@media (max-width:1180px){.hbtn{display:none}}