:root{--navy:#0b2a4a;--navy2:#123a63;--teal:#1f9d8f;--teald:#167a70;--bg:#fff;--alt:#f3f6fa;--text:#1d2a3a;--muted:#5a6b7d;--line:#dbe3ec;--r:10px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--text);background:var(--bg)}
img{max-width:100%}
a{color:var(--tealf,#167a70)}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.narrow{max-width:800px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:99}
h1,h2,h3{color:var(--navy);line-height:1.2;margin:0 0 .6em}
h1{font-size:clamp(1.9rem,5vw,3rem)}h2{font-size:clamp(1.4rem,3.4vw,2rem);margin-top:1.4em}h3{font-size:1.15rem}
.section h2:first-child{margin-top:0}
.site-header{position:sticky;top:0;background:#fff;border-bottom:1px solid var(--line);z-index:20}
.bar{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{display:flex;align-items:center;gap:10px;font-weight:700;color:var(--navy);text-decoration:none;font-size:1.05rem}
.mark{width:26px;height:26px;border-radius:7px;background:var(--navy) linear-gradient(135deg,var(--navy),var(--teal))}
.nav{display:none;position:absolute;top:64px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:12px 20px;flex-direction:column;gap:12px}
.nav a{color:var(--navy);text-decoration:none;font-weight:500}
.menu-toggle{display:none}.menu-toggle:checked~.nav{display:flex}
.burger{width:28px;height:22px;cursor:pointer;display:flex;align-items:center}
.burger span,.burger span:before,.burger span:after{display:block;width:28px;height:3px;background:var(--navy);border-radius:2px;position:relative}
.burger span:before,.burger span:after{content:"";position:absolute}.burger span:before{top:-8px}.burger span:after{top:8px}
@media(min-width:900px){.burger{display:none}.nav{display:flex;position:static;flex-direction:row;align-items:center;border:0;padding:0;gap:22px}}
.btn{display:inline-block;padding:14px 26px;border-radius:8px;font-weight:700;letter-spacing:.02em;text-decoration:none;text-align:center;border:2px solid transparent;cursor:pointer;font-size:.95rem;font-family:inherit}
.btn-primary{background:var(--teal);color:#fff}.btn-primary:hover{background:var(--teald)}
.btn-ghost{border-color:#fff;color:#fff}.hero.small .btn-ghost{border-color:var(--navy);color:var(--navy)}.hero.small .btn-ghost{border-color:#fff;color:#fff}
.btn-small{padding:9px 16px;background:var(--navy);color:#fff!important}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin:26px 0}
.hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:64px 0}
.hero h1,.hero .lead{color:#fff}.hero .lead{font-size:1.2rem;max-width:640px;opacity:.95}
.hero.small{padding:44px 0}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.8rem;color:#7fe0d4;font-weight:700;margin:0 0 12px}
.trust{list-style:none;padding:0;margin:8px 0 0;display:flex;flex-wrap:wrap;gap:8px 22px;font-size:.92rem;opacity:.9}
.trust li:before{content:"✓ ";color:#7fe0d4}
.crumbs{font-size:.85rem;opacity:.85;margin-bottom:14px}.crumbs a{color:inherit}
.section{padding:48px 0}.alt{background:var(--alt)}
.check-list{list-style:none;padding:0}.check-list li{padding:6px 0 6px 28px;position:relative}
.check-list li:before{content:"✓";position:absolute;left:0;color:var(--teal);font-weight:700}
.cards{display:grid;gap:16px;grid-template-columns:repeat(auto-fill,minmax(250px,1fr))}
.card{display:block;border:1px solid var(--line);border-radius:var(--r);padding:22px;text-decoration:none;color:var(--text);background:#fff;transition:.15s}
.card:hover{border-color:var(--teal);box-shadow:0 6px 20px rgba(11,42,74,.08)}
.card h3{margin-bottom:.3em}.card p{margin:0 0 10px;color:var(--muted);font-size:.95rem}.card span{color:var(--teald);font-weight:600;font-size:.9rem}
.steps{list-style:none;padding:0;display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.steps li{background:#fff;border-radius:var(--r);padding:24px;border:1px solid var(--line)}
.steps span{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;margin-bottom:10px}
.steps p{margin:0;color:var(--muted)}
details{border:1px solid var(--line);border-radius:8px;padding:14px 18px;margin:10px 0}summary{cursor:pointer;font-weight:600;color:var(--navy)}
.prose h2{margin-top:1.6em}
.cta-box{background:var(--alt);border-left:4px solid var(--teal);padding:20px 24px;margin:32px 0;border-radius:var(--r)}
.lead-form,.thanks{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px;box-shadow:0 10px 30px rgba(11,42,74,.08)}
.thanks{border-color:var(--teal)}
.form-sub{color:var(--muted);margin-top:-.2em}
.grid{display:grid;gap:14px;grid-template-columns:1fr}
@media(min-width:700px){.grid{grid-template-columns:1fr 1fr}}
label{display:block;font-weight:600;font-size:.9rem;color:var(--navy)}
input,select,textarea{display:block;width:100%;margin-top:5px;padding:11px 12px;font:inherit;border:1px solid #b9c6d4;border-radius:7px;background:#fff;color:var(--text)}
input:focus,select:focus,textarea:focus{outline:2px solid var(--teal);border-color:var(--teal)}
.invalid{border-color:#c0392b!important}
fieldset{border:0;padding:0;margin:18px 0 8px}legend{font-weight:600;color:var(--navy);font-size:.9rem;margin-bottom:6px}.opt{font-weight:400;color:var(--muted)}
.radios{display:flex;flex-wrap:wrap;gap:8px 20px}.radio,.check{font-weight:400}.radio input,.check input{display:inline;width:auto;margin:0 6px 0 0}
.lead-form textarea{margin-bottom:12px}.check{margin:12px 0}
.hp{position:absolute;left:-9999px;width:1px;height:1px}
.lead-form .btn{width:100%;margin-top:6px}
.fine{font-size:.82rem;color:var(--muted)}.form-error{color:#c0392b;font-weight:600}
.site-footer{background:var(--navy);color:#cfdbe8;padding:40px 0 20px;font-size:.93rem}
.site-footer a{color:#e6eef6}.site-footer strong{color:#fff}
.fgrid{display:grid;gap:26px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.site-footer ul{list-style:none;padding:0;margin:8px 0}.site-footer li{padding:3px 0}
.legal-note{border-top:1px solid #1e4a76;margin-top:26px;padding-top:16px;font-size:.82rem;opacity:.85}
.hide-empty:empty{display:none}