:root{--navy:#0b2545;--navy-2:#13315c;--blue:#1565c0;--blue-2:#1e88e5;--sky:#e8f3fd;--orange:#c2410c;--orange-btn:#c2410c;--orange-soft:#fff3e8;--ink:#1c2533;--muted:#4a5568;--line:#d9e1ea;--bg:#ffffff;--bg-2:#f5f8fb;--radius:12px;--shadow:0 2px 10px rgba(11,37,69,.08);--max:1160px}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;text-size-adjust:100%;scroll-padding-top:80px}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;font-size:1.0625rem;line-height:1.65;color:var(--ink);background:var(--bg);overflow-wrap:break-word}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--blue)}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid #ff9f1c;outline-offset:2px;border-radius:4px}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:1.6em 0 .5em}
h1{font-size:clamp(1.75rem,5.5vw,2.75rem);margin-top:.3em}
h2{font-size:clamp(1.35rem,3.6vw,1.85rem)}
h3{font-size:1.15rem}
p{margin:0 0 1em}
ul,ol{padding-left:1.25em}
li{margin:.3em 0}
.wrap{max-width:var(--max);margin:0 auto;padding:0 16px}
.skip{position:absolute;left:-9999px;top:0;background:#fff;padding:12px;z-index:100}
.skip:focus{left:8px;top:8px}
/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.hdr{display:flex;align-items:center;gap:12px;min-height:64px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:8px;text-decoration:none;color:var(--navy);font-weight:800;line-height:1.05;margin-right:auto;min-height:44px}
.brand img{width:40px;height:40px}
.brand .bn{font-size:1.08rem;letter-spacing:-.01em}
.brand .bn span{color:var(--orange)}
.brand small{display:block;font-weight:600;font-size:.7rem;color:var(--muted);letter-spacing:.02em}
.hdr-phone{display:inline-flex;align-items:center;gap:6px;background:var(--orange-btn);color:#fff;text-decoration:none;font-weight:800;padding:10px 14px;border-radius:999px;min-height:44px;white-space:nowrap;font-size:1rem}
.hdr-phone:hover{background:#9a3412;color:#fff}
.hdr-phone svg{width:18px;height:18px;flex:none}
.nav-toggle{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border:1px solid var(--line);background:#fff;border-radius:10px;cursor:pointer;color:var(--navy)}
.nav-toggle svg{width:24px;height:24px}
.main-nav{display:none;width:100%;padding:0 0 12px}
.main-nav.open{display:block}
.main-nav ul{list-style:none;margin:0;padding:0}
.main-nav a{display:flex;align-items:center;min-height:44px;padding:4px 8px;text-decoration:none;color:var(--navy);font-weight:600;border-radius:8px}
.main-nav a:hover,.main-nav a[aria-current=page]{background:var(--sky)}
@media (max-width:599px){.site-header{position:static}.hdr{gap:8px;padding-top:6px;padding-bottom:8px}.brand small{display:none}.nav-toggle{order:2}.hdr-phone{order:3;width:100%;justify-content:center;min-height:44px;padding:8px 12px}.main-nav{order:4}}
@media (min-width:900px){.nav-toggle{display:none}.main-nav{display:block;width:auto;padding:0}.main-nav ul{display:flex;gap:2px}.hdr{flex-wrap:nowrap}.brand{margin-right:12px}.main-nav{margin-left:auto;order:2}.hdr-phone{order:3;margin-left:8px}}
/* breadcrumbs */
.crumbs{font-size:.9rem;padding:12px 0 0;color:var(--muted)}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:4px;margin:0;padding:0}
.crumbs li{margin:0;display:flex;align-items:center}
.crumbs li+li::before{content:"\203A";margin:0 6px;color:#8a97a8}
.crumbs a{display:inline-block;padding:10px 2px;min-height:44px;line-height:24px}
/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 60%,#1b4b84 100%);color:#fff;padding:28px 0 32px}
.hero h1{color:#fff}
.hero p{color:#e6eef8}
.hero .lede{font-size:1.15rem;max-width:60ch}
.hero-grid{display:grid;gap:24px;align-items:center}
@media (min-width:900px){.hero-grid{grid-template-columns:1.15fr 1fr}}
.hero-img img{border-radius:var(--radius);box-shadow:0 8px 30px rgba(0,0,0,.25);width:100%;aspect-ratio:16/9;object-fit:cover}
.hero .crumbs,.hero .crumbs a{color:#cfe0f5}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin:16px 0 8px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:12px 20px;border-radius:999px;font-weight:800;text-decoration:none;font-size:1.05rem;border:2px solid transparent}
.btn svg{width:20px;height:20px;flex:none}
.btn-call{background:var(--orange-btn);color:#fff}
.btn-call:hover{background:#9a3412;color:#fff}
.btn-ghost{border-color:#fff;color:#fff}
.btn-ghost:hover{background:#fff;color:var(--navy)}
.btn-outline{border-color:var(--navy);color:var(--navy)}
.note{font-size:.92rem;color:#cfe0f5;max-width:62ch}
.disclose{background:var(--orange-soft);border-left:4px solid var(--orange-btn);padding:12px 16px;border-radius:8px;font-size:.95rem;margin:20px 0;color:#3b2a1a}
.disclose a{color:#9a3412}
/* layout */
main section{padding:8px 0}
.content{max-width:760px}
.two-col{display:grid;gap:32px}
@media (min-width:1000px){.two-col{grid-template-columns:minmax(0,1fr) 320px}}
.aside-card{background:var(--bg-2);border:1px solid var(--line);border-radius:var(--radius);padding:18px;position:static}
@media (min-width:1000px){.aside-card{position:sticky;top:88px}}
.aside-card h2{font-size:1.15rem;margin-top:0}
.aside-card .btn{width:100%}
.band{background:var(--bg-2);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:24px 0;margin:24px 0}
.cards{display:grid;gap:16px;grid-template-columns:repeat(auto-fill,minmax(min(100%,250px),1fr));margin:16px 0}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px;box-shadow:var(--shadow);display:flex;flex-direction:column}
.card h3{margin:.2em 0 .4em}
.card h3 a{text-decoration:none;color:var(--navy)}
.card h3 a:hover{text-decoration:underline}
.card p{font-size:.97rem;color:var(--muted);margin-bottom:.6em}
.card .tag{display:inline-block;font-size:.75rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--orange)}
.card img{border-radius:8px;margin:-6px -6px 12px;width:calc(100% + 12px);max-width:none;aspect-ratio:16/9;object-fit:cover}
.card ul{margin:0;padding-left:1.1em;font-size:.95rem}
.card .more{margin-top:auto;font-weight:700}
.steps{counter-reset:s;list-style:none;padding:0;display:grid;gap:14px;grid-template-columns:repeat(auto-fill,minmax(min(100%,240px),1fr))}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:16px 16px 16px 60px;position:relative;margin:0}
.steps li::before{content:counter(s);position:absolute;left:16px;top:16px;width:32px;height:32px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}
.linklist{columns:2 180px;column-gap:24px;padding-left:1.1em}
.linklist li{break-inside:avoid}
.linklist a{display:inline-block;padding:6px 0;min-height:44px;line-height:32px}
.az h3{border-bottom:1px solid var(--line);padding-bottom:4px}
.pill-list{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0}
.pill-list li{margin:0}
.pill-list a{display:inline-flex;align-items:center;min-height:44px;padding:6px 14px;border:1px solid var(--line);border-radius:999px;text-decoration:none;background:#fff;color:var(--navy);font-weight:600;font-size:.95rem}
.pill-list a:hover{border-color:var(--blue);background:var(--sky)}
.faq details{border:1px solid var(--line);border-radius:10px;margin:10px 0;background:#fff}
.faq summary{cursor:pointer;padding:14px 16px;font-weight:700;color:var(--navy);min-height:44px;list-style-position:outside}
.faq summary::marker{color:var(--orange)}
.faq details>div{padding:0 16px 8px}
.facts{display:grid;gap:12px;grid-template-columns:repeat(auto-fill,minmax(min(100%,220px),1fr));margin:12px 0 20px}
.fact{background:var(--sky);border-radius:10px;padding:12px 14px;font-size:.95rem}
.fact b{display:block;color:var(--navy);font-size:.8rem;text-transform:uppercase;letter-spacing:.04em}
.sources{font-size:.88rem;color:var(--muted)}
.sources a{word-break:break-word}
figure{margin:20px 0}
figure img{border-radius:var(--radius);width:100%;aspect-ratio:16/9;object-fit:cover}
figcaption{font-size:.85rem;color:var(--muted);margin-top:6px}
.callout{background:var(--navy);color:#fff;border-radius:var(--radius);padding:22px;margin:28px 0;display:grid;gap:12px}
.callout h2{color:#fff;margin:0;font-size:1.35rem}
.callout p{margin:0;color:#dbe7f5}
@media (min-width:760px){.callout{grid-template-columns:1fr auto;align-items:center}}
table{border-collapse:collapse;width:100%;font-size:.95rem}
th,td{text-align:left;border-bottom:1px solid var(--line);padding:8px}
.tbl-wrap{overflow-x:auto}
/* footer */
.site-footer{background:var(--navy);color:#dbe7f5;margin-top:40px;padding:32px 0 24px;font-size:.95rem}
.site-footer a{color:#fff}
.ftr-grid{display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(min(100%,200px),1fr))}
.site-footer h2{color:#fff;font-size:1rem;margin:0 0 8px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin:0}
.site-footer li a{display:inline-block;padding:8px 0;min-height:40px}
.ftr-phone{font-size:1.4rem;font-weight:800;text-decoration:none;display:inline-block;padding:6px 0}
.ftr-legal{border-top:1px solid rgba(255,255,255,.2);margin-top:24px;padding-top:16px;font-size:.85rem;color:#b8c8dc}
/* sticky call bar */
.callbar{position:fixed;left:0;right:0;bottom:0;z-index:60;background:var(--navy);padding:8px 12px calc(8px + env(safe-area-inset-bottom));box-shadow:0 -4px 16px rgba(0,0,0,.2)}
.callbar a{display:flex;align-items:center;justify-content:center;gap:10px;background:var(--orange-btn);color:#fff;text-decoration:none;font-weight:800;font-size:1.1rem;min-height:52px;border-radius:999px}
.callbar svg{width:22px;height:22px}
body.has-callbar{padding-bottom:calc(72px + env(safe-area-inset-bottom))}
@media (min-width:900px){.callbar{display:none}body.has-callbar{padding-bottom:0}}
.error-hero{padding:48px 0}
@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}
@media print{.callbar,.nav-toggle,.main-nav{display:none}}
.pill-list .pill{display:inline-flex;align-items:center;min-height:36px;padding:6px 14px;border:1px solid var(--line);border-radius:999px;background:var(--bg-2);font-size:.95rem}
.ph-short{display:none}
.cards.five{grid-template-columns:repeat(auto-fit,minmax(min(100%,200px),1fr))}