:root{--blue:#167d89;--blue-d:#11666f;--teal:#e1a83b;--navy:#0b2b46;--ink:#172735;--muted:#5d7080;--light:#eff6f7;--mint:#fbf8f1;--border:#dbe5eb;--white:#fff;--warn:#FFF7E6;--warn-b:#F5C26B;--shadow:0 16px 40px rgba(12,26,42,.10);--shadow-s:0 6px 18px rgba(12,26,42,.08);--radius:18px;--max:1160px}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:#fff;line-height:1.65;font-size:17px}
img{max-width:100%;height:auto}
a{color:var(--blue)}
a:hover{color:var(--blue-d)}
h1,h2,h3,h4{color:var(--navy);line-height:1.2;margin:0 0 .6em;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.6vw,3.1rem);font-weight:800}
h2{font-size:clamp(1.5rem,3vw,2.05rem);font-weight:800;margin-top:1.6em}
h3{font-size:1.2rem;font-weight:700;margin-top:1.4em}
p{margin:0 0 1em}
ul,ol{padding-left:1.25em;margin:0 0 1.1em}
li{margin:.3em 0}
.container{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;z-index:99;background:#fff;padding:8px 12px;border-radius:8px}
/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--border)}
.nav{display:flex;align-items:center;gap:18px;min-height:68px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;font-size:1.15rem;white-space:nowrap}
.brand-mark{width:34px;height:34px;border-radius:10px;background:linear-gradient(135deg,var(--blue),var(--teal));display:grid;place-items:center;color:#fff;font-size:.95rem;font-weight:800}
.brand small{display:block;font-size:.7rem;font-weight:600;color:var(--muted);letter-spacing:.02em}
.nav-links{display:flex;gap:4px;margin-left:auto;align-items:center}
.nav-links a{text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem;padding:8px 10px;border-radius:10px;white-space:nowrap}
.btn{white-space:nowrap}
@media (max-width:1240px){.nav-cta .btn-ghost{display:none}.nav-links a{padding:8px 8px;font-size:.92rem}}
.nav-links a:hover,.nav-links a[aria-current=page]{background:var(--light);color:var(--blue)}
.nav-cta{display:flex;gap:8px;align-items:center}
.menu-btn{display:none;margin-left:auto;background:none;border:1px solid var(--border);border-radius:10px;padding:8px 10px;cursor:pointer}
.menu-btn span{display:block;width:20px;height:2px;background:var(--navy);margin:4px 0}
@media (max-width:1020px){.nav-links{display:none;position:absolute;left:0;right:0;top:68px;background:#fff;flex-direction:column;align-items:stretch;padding:10px 20px 18px;border-bottom:1px solid var(--border);box-shadow:var(--shadow-s)}.nav-links.open{display:flex}.menu-btn{display:block}.nav-cta .btn-ghost{display:none}.nav-links a{padding:12px 10px}}
@media (max-width:560px){.nav-cta{display:none}.brand small{display:none}}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 20px;border-radius:12px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:1rem;line-height:1.2;font-family:inherit}
.btn-primary{background:var(--blue);color:#fff}.btn-primary:hover{background:var(--blue-d);color:#fff}
.btn-teal{background:var(--teal);color:var(--navy)}.btn-teal:hover{filter:brightness(.95);color:var(--navy)}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--border)}.btn-ghost:hover{border-color:var(--blue);color:var(--blue)}
.btn-sm{padding:9px 14px;font-size:.92rem}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin:18px 0 8px}
.microcopy{font-size:.86rem;color:var(--muted)}
/* hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,rgba(225,168,59,.16),transparent 60%),linear-gradient(180deg,var(--light),#fff);border-bottom:1px solid var(--border)}
.hero .container{padding-top:54px;padding-bottom:48px}
.hero-grid{display:grid;grid-template-columns:1.25fr .9fr;gap:40px;align-items:center}
.hero-simple .container{padding-top:40px;padding-bottom:34px}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--blue);background:#e3f1f3;padding:6px 10px;border-radius:999px;margin-bottom:14px}
.lede{font-size:1.15rem;color:var(--muted);max-width:720px}
.crumbs{font-size:.85rem;color:var(--muted);margin-bottom:14px}.crumbs a{color:var(--muted);text-decoration:none}.crumbs a:hover{color:var(--blue)}
.trust{display:flex;flex-wrap:wrap;gap:10px 18px;margin-top:18px;font-size:.92rem;color:var(--navy);font-weight:600}
.trust span::before{content:"✓";color:var(--teal);font-weight:800;margin-right:6px}
.hero-card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);padding:26px}
.hero-card h2{font-size:1.25rem;margin-top:0}
.stat-list{list-style:none;padding:0;margin:0}.stat-list li{display:flex;justify-content:space-between;gap:12px;padding:11px 0;border-bottom:1px dashed var(--border)}.stat-list li:last-child{border-bottom:0}.stat-list b{color:var(--navy)}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr}.hero .container{padding-top:36px}}
/* layout */
.section{padding:56px 0}.section-tight{padding:36px 0}.section-soft{background:var(--light);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:48px;align-items:start}
.prose{max-width:760px}.prose h2:first-child{margin-top:0}
.sidebar{position:sticky;top:90px;display:grid;gap:18px}
@media (max-width:980px){.layout{grid-template-columns:1fr}.sidebar{position:static}}
.card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow-s)}
.card h3{margin-top:0}
.card-dark{background:var(--navy);color:#DCE7F3;border-color:var(--navy)}.card-dark h3{color:#fff}.card-dark a:not(.btn){color:var(--teal)}
.toc a{display:block;padding:6px 0;text-decoration:none;color:var(--ink);font-size:.95rem;border-bottom:1px solid var(--light)}.toc a:hover{color:var(--blue)}
.grid{display:grid;gap:20px}.g2{grid-template-columns:repeat(2,minmax(0,1fr))}.g3{grid-template-columns:repeat(3,minmax(0,1fr))}.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
@media (max-width:900px){.g3,.g4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:620px){.g2,.g3,.g4{grid-template-columns:1fr}}
.tile{display:block;text-decoration:none;color:var(--ink);background:#fff;border:1px solid var(--border);border-radius:16px;padding:20px;transition:.15s;box-shadow:var(--shadow-s)}
.tile:hover{border-color:var(--blue);transform:translateY(-2px);color:var(--ink)}
.tile h3{margin:0 0 6px;font-size:1.08rem}.tile p{margin:0;color:var(--muted);font-size:.95rem}
.tile .ico{font-size:1.5rem;margin-bottom:6px;display:block}
.steps{counter-reset:s;list-style:none;padding:0;display:grid;gap:14px}
.steps li{counter-increment:s;position:relative;padding:16px 16px 16px 62px;background:#fff;border:1px solid var(--border);border-radius:14px;margin:0}
.steps li::before{content:counter(s);position:absolute;left:16px;top:14px;width:32px;height:32px;border-radius:50%;background:linear-gradient(135deg,var(--blue),var(--teal));color:#fff;font-weight:800;display:grid;place-items:center}
.steps li b{display:block;color:var(--navy)}
.callout{background:var(--mint);border:1px solid #f3e3bf;border-left:5px solid var(--teal);border-radius:12px;padding:16px 18px;margin:1.2em 0}
.callout.warn{background:var(--warn);border-color:#FBE3B4;border-left-color:var(--warn-b)}
.callout p:last-child{margin:0}
table{width:100%;border-collapse:collapse;margin:1em 0 1.4em;font-size:.95rem}
th,td{text-align:left;padding:11px 12px;border-bottom:1px solid var(--border);vertical-align:top}
th{background:var(--light);color:var(--navy);font-weight:700}
.table-wrap{overflow-x:auto;border:1px solid var(--border);border-radius:12px}.table-wrap table{margin:0}
/* faq */
details.faq{border:1px solid var(--border);border-radius:12px;padding:0 18px;margin:10px 0;background:#fff}
details.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:16px 26px 16px 0;list-style:none;position:relative}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";position:absolute;right:0;top:12px;font-size:1.4rem;color:var(--blue)}
details.faq[open] summary::after{content:"–"}
details.faq > div{padding:0 0 14px;color:var(--ink)}
/* states */
.state-list{columns:4 170px;column-gap:24px;list-style:none;padding:0}
.state-list li{break-inside:avoid;padding:4px 0}
.badge{display:inline-block;font-size:.72rem;font-weight:800;padding:2px 8px;border-radius:999px;background:#e3f1f3;color:var(--blue);margin-left:6px;vertical-align:middle}
.badge.t{background:var(--mint);color:#8a6212}
.muted{color:var(--muted)}
/* calculator */
.calc{background:#fff;border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);padding:24px;display:grid;grid-template-columns:1fr 1fr;gap:28px}
.calc>*{min-width:0}.result .btn,.lead-points .btn,.card .btn{white-space:normal;text-align:center}
@media (max-width:760px){.calc{grid-template-columns:1fr;padding:18px}}
.field{margin-bottom:14px}.field label{display:block;font-weight:700;color:var(--navy);font-size:.92rem;margin-bottom:6px}
.field input,.field select,.field textarea{width:100%;padding:12px 13px;border:1.5px solid var(--border);border-radius:10px;font:inherit;font-size:1rem;color:var(--ink);background:#fff}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(22,125,137,.16)}
.field .hint{font-size:.82rem;color:var(--muted);margin-top:4px}
.result{background:linear-gradient(160deg,var(--navy),#123f61);color:#DCE7F3;border-radius:14px;padding:22px;display:flex;flex-direction:column;gap:12px}
.result .big{font-size:2.3rem;font-weight:800;color:#fff;line-height:1.1}
.result .row{display:flex;justify-content:space-between;gap:10px;border-top:1px solid rgba(255,255,255,.12);padding-top:10px;font-size:.95rem}
.result .row b{color:#fff}
.result .note{font-size:.82rem;color:#A9BCD0}
/* lead form */
.lead-band{background:linear-gradient(135deg,var(--navy),#123f61);color:#DCE7F3;padding:56px 0}
.lead-band h2{color:#fff;margin-top:0}
.lead-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:40px;align-items:start}
@media (max-width:900px){.lead-grid{grid-template-columns:1fr}}
.lead-form{background:#fff;border-radius:var(--radius);padding:24px;color:var(--ink);box-shadow:var(--shadow)}
.lead-form .row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:520px){.lead-form .row2{grid-template-columns:1fr}}
.lead-form .consent{font-size:.78rem;color:var(--muted);margin:8px 0 12px}
.hp{position:absolute;left:-5000px}
.lead-points{list-style:none;padding:0}.lead-points li{padding-left:28px;position:relative;margin:10px 0}.lead-points li::before{content:"✓";position:absolute;left:0;color:var(--teal);font-weight:800}
/* footer */
.site-footer{background:#08131F;color:#9FB0C2;font-size:.9rem;padding:48px 0 28px}
.site-footer a{color:#CFE0F2;text-decoration:none}.site-footer a:hover{color:var(--teal)}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px}
@media (max-width:860px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.foot-grid{grid-template-columns:1fr}}
.site-footer h4{color:#fff;font-size:.95rem;margin:0 0 10px}
.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin:6px 0}
.legal{border-top:1px solid #1C2B3C;margin-top:30px;padding-top:20px;font-size:.8rem;line-height:1.6}
.legal p{margin:0 0 8px}
.ehl{display:inline-flex;align-items:center;gap:6px;font-weight:700;color:#CFE0F2}
.sticky-cta{display:none}
@media (max-width:700px){.sticky-cta{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;gap:8px;padding:10px 12px;background:#fff;border-top:1px solid var(--border);box-shadow:0 -6px 18px rgba(12,26,42,.08)}.sticky-cta .btn{flex:1;padding:12px 10px}body{padding-bottom:70px}}
.brand-mark{font-size:.72rem;letter-spacing:.02em}.state-card{display:flex;flex-direction:column;overflow:hidden;padding:0}.state-card img{width:100%;height:150px;object-fit:cover;display:block}.state-card .sc-body{padding:16px 18px}.state-card h3{margin:0 0 4px}.btn-teal{color:#0b2b46}
.layout>*{min-width:0}@media (max-width:560px){.brand{white-space:normal;font-size:.98rem;line-height:1.2}.brand-mark{flex:0 0 34px}}
@media (max-width:1400px){.nav-cta{display:none}}