:root{--navy:#10243A;--deep:#0A1726;--orange:#F28C28;--orange-h:#D97516;--ink:#243447;--muted:#64748B;--bg:#F5F7FA;--line:#DCE3EA;--white:#fff;--radius:14px;--shadow:0 6px 24px rgba(16,36,58,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);line-height:1.65;font-size:17px;background:#fff}
h1,h2,h3{font-family:Sora,Inter,sans-serif;color:var(--navy);line-height:1.2;margin:0 0 .55em}
h1{font-size:clamp(32px,5vw,54px);letter-spacing:-.02em}h2{font-size:clamp(26px,3.4vw,36px);margin-top:0}h3{font-size:clamp(19px,2vw,23px)}
p{margin:0 0 1em}a{color:#B85E0B;text-underline-offset:3px}a:hover{color:var(--orange-h)}
:focus-visible{outline:3px solid var(--orange);outline-offset:2px;border-radius:4px}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
.topbar{background:var(--deep);color:#DCE6F2;font-size:14px}.topbar .wrap{display:flex;justify-content:space-between;gap:12px;padding-top:7px;padding-bottom:7px;flex-wrap:wrap}.topbar a{color:#fff;font-weight:600;text-decoration:none}
.dot{display:inline-block;width:8px;height:8px;border-radius:50%;background:#34D399;margin-right:7px}
.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.header-in{display:flex;align-items:center;gap:18px;padding-top:10px;padding-bottom:10px}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--navy)}
.brand-name{font-family:Sora,sans-serif;font-weight:800;font-size:19px;line-height:1.1}.brand-sub{font-size:11px;letter-spacing:.12em;color:var(--muted);font-weight:600}
.nav-links{display:flex;gap:4px;list-style:none;margin:0 0 0 auto;padding:0;align-items:center}
.nav-links a{display:block;padding:9px 11px;text-decoration:none;color:var(--ink);font-weight:600;font-size:15.5px;border-radius:8px}.nav-links a:hover{background:var(--bg);color:var(--navy)}
.btn{display:inline-block;background:var(--orange);color:#fff!important;font-weight:700;text-decoration:none;padding:13px 22px;border-radius:10px;border:0;font-size:16px;cursor:pointer;text-align:center}
.btn:hover{background:var(--orange-h)}.btn-navy{background:var(--navy)}.btn-navy:hover{background:var(--deep)}
.btn-outline{background:#fff;color:var(--navy)!important;border:2px solid var(--navy)}.btn-outline:hover{background:var(--bg)}
.btn-sm{padding:10px 16px;font-size:15px}.header-cta{margin-left:6px;white-space:nowrap}
.nav-toggle{position:absolute;opacity:0;pointer-events:none}.hamburger{display:none;flex-direction:column;gap:5px;padding:10px;cursor:pointer;margin-left:auto}
.hamburger span{width:26px;height:3px;background:var(--navy);border-radius:2px}
.hero{background:linear-gradient(180deg,#F0F4F9, #fff);border-bottom:1px solid var(--line);padding:52px 0 44px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:36px;align-items:center}
.kicker{display:inline-block;color:#B85E0B;font-weight:800;letter-spacing:.1em;font-size:12.5px;text-transform:uppercase;margin-bottom:12px}
.lead{font-size:19px;color:#3D5069;max-width:56ch}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin:20px 0 8px}
.note{font-size:14.5px;color:var(--muted)}
.hero-card{background:var(--navy);color:#E8EEF5;border-radius:18px;padding:26px;box-shadow:var(--shadow)}
.hero-card h3{color:#fff}.hero-card ul{margin:0;padding-left:19px}.hero-card li{margin:7px 0}
.hero-card a{color:#FFB25E}
.breadcrumb{font-size:14px;color:var(--muted);margin-bottom:14px}.breadcrumb a{color:var(--muted)}
section{padding:52px 0}.alt{background:var(--bg)}.dark{background:var(--navy);color:#E8EEF5}.dark h2,.dark h3{color:#fff}.dark a{color:#FFB25E}
.grid{display:grid;gap:18px}.g2{grid-template-columns:repeat(2,1fr)}.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(--radius);padding:22px;box-shadow:0 2px 8px rgba(16,36,58,.04)}
.card h3{margin-bottom:.35em}.card p{font-size:15.5px;color:#43566D}.card .more{font-weight:700}
.icon{width:46px;height:46px;border-radius:12px;background:#FDF0DF;display:flex;align-items:center;justify-content:center;font-size:23px;margin-bottom:12px}
.steps{counter-reset:step}.step{display:flex;gap:16px;margin-bottom:20px}.step-n{flex:0 0 42px;width:42px;height:42px;border-radius:50%;background:var(--orange);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;font-family:Sora}
.faq{border:1px solid var(--line);border-radius:12px;margin-bottom:10px;background:#fff}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:16px 18px;list-style:none}.faq summary::-webkit-details-marker{display:none}
.faq .a{padding:0 18px 16px;color:#43566D;font-size:16px}
ul.check{list-style:none;padding:0;margin:0 0 1em}ul.check li{padding-left:28px;position:relative;margin:8px 0}
ul.check li:before{content:"✓";position:absolute;left:0;color:#B85E0B;font-weight:800}
.form-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px;box-shadow:var(--shadow)}
label{display:block;font-weight:600;font-size:15px;margin:14px 0 6px;color:var(--navy)}
input,select,textarea{width:100%;padding:12px 13px;border:1.5px solid var(--line);border-radius:9px;font:inherit;font-size:16px;background:#fff}
textarea{min-height:110px}.hp{position:absolute;left:-9999px;width:1px;height:1px;opacity:0}
.sticky-call{display:none}
footer{background:var(--deep);color:#C7D3E2;padding:46px 0 26px;font-size:15px}footer h3{color:#fff;font-size:17px}footer a{color:#C7D3E2;text-decoration:none}footer a:hover{color:#fff;text-decoration:underline}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:28px}.foot-bottom{border-top:1px solid #22364D;margin-top:30px;padding-top:18px;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;font-size:14px}
footer ul{list-style:none;padding:0;margin:0}footer li{margin:6px 0}
.toc{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:18px 22px;margin:22px 0}.toc ul{margin:6px 0 0;padding-left:19px}
.prose{max-width:820px}.prose h2{margin-top:1.3em}
.tag{display:inline-block;background:#FDF0DF;color:#8A4A08;border-radius:999px;padding:3px 11px;font-size:13px;font-weight:700;margin-bottom:10px}
@media(max-width:900px){.g4{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:1fr 1fr}.hero-grid{grid-template-columns:1fr}.foot-grid{grid-template-columns:1fr 1fr}}
@media(max-width:760px){
 .hamburger{display:flex}.header-cta{display:none}
 .nav-links{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:10px 16px 16px;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}
 .nav-toggle:checked~.nav-links{display:flex}
 .g2,.g3,.g4{grid-template-columns:1fr}section{padding:38px 0}.hero{padding:36px 0 30px}
 .sticky-call{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:60;background:var(--navy);padding:10px 14px;gap:10px}
 .sticky-call a{flex:1}body{padding-bottom:64px}.foot-grid{grid-template-columns:1fr}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}