:root{
  --ink:#0f1720; --ink-2:#1b2733; --muted:#5b6b7a; --line:#dde3e9;
  --paper:#ffffff; --surface:#f7f5f1; --surface-2:#eef2f5;
  --navy:#12243b; --navy-2:#0b1826;
  --accent:#c2802a; --accent-d:#a86a1c; --accent-l:#f0b95f;
  --ok:#1c6b52;
  --radius:10px; --radius-s:6px;
  --wrap:1140px;
  --shadow:0 1px 2px rgba(15,23,32,.06),0 8px 24px -12px rgba(15,23,32,.18);
  --shadow-lg:0 2px 4px rgba(15,23,32,.06),0 24px 48px -20px rgba(15,23,32,.28);
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,"Noto Sans",sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;font-family:var(--font);font-size:17px;line-height:1.65;
  color:var(--ink);background:var(--paper);
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-decoration:none;text-underline-offset:3px}
a:hover{text-decoration:underline}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:3px}
h1,h2,h3,h4{margin:0 0 .5em;line-height:1.2;letter-spacing:-.02em;font-weight:750;color:var(--ink)}
h1{font-size:clamp(2rem,4.6vw,3.15rem);letter-spacing:-.03em}
h2{font-size:clamp(1.5rem,2.8vw,2.1rem)}
h3{font-size:1.2rem}
p{margin:0 0 1.1em}
ul,ol{margin:0 0 1.1em;padding-left:1.25em}
li{margin:.28em 0}
small{font-size:.86rem}
strong{font-weight:680}
.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 20px}
.wrap-n{max-width:820px}
.skip{position:absolute;left:-9999px;top:0;background:var(--accent);color:#fff;padding:12px 18px;z-index:999;font-weight:700}
.skip:focus{left:8px;top:8px}
.sr{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}

/* ---------- header ---------- */
.hdr{position:sticky;top:0;z-index:80;background:#fff;border-bottom:1px solid var(--line)}
.hdr-in{display:flex;align-items:center;gap:18px;min-height:70px}
.logo{display:flex;align-items:center;gap:11px;color:var(--ink);flex:0 0 auto}
.logo:hover{text-decoration:none}
.logo svg{flex:0 0 auto}
.logo b{display:block;font-size:1.14rem;font-weight:800;letter-spacing:-.02em;line-height:1.15}
.logo span span{display:block;font-size:.65rem;font-weight:600;letter-spacing:.085em;text-transform:uppercase;color:var(--muted);line-height:1.35;margin-top:2px}
.nav{margin-left:auto;display:flex;align-items:center;gap:4px}
.nav a,.dd>summary{display:block;padding:9px 12px;border-radius:var(--radius-s);font-size:.93rem;font-weight:620;color:var(--ink-2);cursor:pointer;white-space:nowrap}
.nav a:hover,.dd>summary:hover{background:var(--surface-2);text-decoration:none;color:var(--navy)}
.nav a[aria-current="page"]{color:var(--accent-d);background:var(--surface)}
.dd{position:relative}
.dd>summary{list-style:none}
.dd>summary::-webkit-details-marker{display:none}
.dd>summary::after{content:"";display:inline-block;width:6px;height:6px;margin-left:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-2px);opacity:.6}
.dd[open]>summary{background:var(--surface-2)}
.dd-panel{position:absolute;top:calc(100% + 8px);left:0;min-width:290px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-lg);padding:8px;z-index:90}
.dd-panel a{padding:9px 12px;font-size:.9rem;font-weight:560;white-space:normal}
.hdr-cta{display:inline-flex;align-items:center;gap:8px;background:var(--navy);color:#fff;padding:11px 17px;border-radius:var(--radius-s);font-weight:680;font-size:.9rem;white-space:nowrap}
.hdr-cta:hover{background:var(--navy-2);text-decoration:none;color:#fff}
.hdr-phone{font-weight:700;font-size:.92rem;white-space:nowrap;color:var(--navy)}
#navtog{display:none}
.burger{display:none}

@media (max-width:1000px){
  .nav{position:fixed;inset:70px 0 auto 0;flex-direction:column;align-items:stretch;background:#fff;border-bottom:1px solid var(--line);padding:10px 14px 22px;gap:2px;max-height:calc(100vh - 70px);overflow:auto;box-shadow:var(--shadow-lg);display:none}
  #navtog:checked ~ .nav{display:flex}
  .nav a,.dd>summary{padding:12px 10px;font-size:1rem;border-radius:var(--radius-s)}
  .dd-panel{position:static;box-shadow:none;border:0;border-left:2px solid var(--line);border-radius:0;margin:2px 0 8px 12px;padding:0 0 0 6px;min-width:0}
  .burger{display:flex;margin-left:auto;flex-direction:column;justify-content:center;gap:5px;width:44px;height:44px;padding:0 10px;border:1px solid var(--line);border-radius:var(--radius-s);cursor:pointer;background:#fff}
  .burger i{display:block;height:2px;background:var(--ink);border-radius:2px;transition:.2s}
  .hdr-cta,.hdr-phone{display:none}
  .dd[open] .dd-panel{display:block}
}
@media (max-width:1000px){ .dd:not([open]) .dd-panel{display:none} }

/* ---------- hero ---------- */
.hero{position:relative;background:var(--navy);color:#fff;overflow:hidden;isolation:isolate}
.hero::before{content:"";position:absolute;inset:0;z-index:-2;
  background:
    radial-gradient(900px 420px at 78% 8%,rgba(194,128,42,.30),transparent 62%),
    radial-gradient(700px 500px at 6% 96%,rgba(28,107,82,.26),transparent 60%),
    linear-gradient(180deg,#12243b 0%,#0d1b2b 100%)}
.hero::after{content:"";position:absolute;inset:0;z-index:-1;opacity:.30;
  background-image:linear-gradient(rgba(255,255,255,.10) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.10) 1px,transparent 1px);
  background-size:56px 56px;
  -webkit-mask-image:radial-gradient(ellipse at 32% 40%,#000 10%,transparent 78%);
  mask-image:radial-gradient(ellipse at 32% 40%,#000 10%,transparent 78%)}
.hero-in{padding:clamp(48px,7vw,88px) 0 clamp(44px,6vw,76px);max-width:860px}
.hero h1{color:#fff;margin-bottom:.45em}
.hero .lead{font-size:clamp(1.06rem,1.9vw,1.3rem);color:#dbe4ee;max-width:44em;line-height:1.6;margin-bottom:1.6em}
.eyebrow{display:inline-flex;align-items:center;gap:9px;font-size:.76rem;font-weight:750;letter-spacing:.12em;text-transform:uppercase;color:var(--accent-l);margin-bottom:18px}
.eyebrow::before{content:"";width:26px;height:2px;background:var(--accent-l)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;padding:14px 24px;border-radius:var(--radius-s);font-weight:700;font-size:1rem;border:2px solid transparent;cursor:pointer;transition:transform .12s ease,background .12s ease}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn-primary{background:var(--accent);color:#231708}
.btn-primary:hover{background:var(--accent-d);color:#fff}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.42)}
.btn-ghost:hover{background:rgba(255,255,255,.12);color:#fff;border-color:#fff}
.btn-dark{background:var(--navy);color:#fff}
.btn-dark:hover{background:var(--navy-2);color:#fff}
.btn-wa{background:#1f9d55;color:#fff}
.btn-wa:hover{background:#157347;color:#fff}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.hero-note{margin:22px 0 0;font-size:.92rem;color:#a9bacb}

/* ---------- trust strip ---------- */
.strip{background:var(--navy-2);color:#c9d6e3;border-top:1px solid rgba(255,255,255,.08)}
.strip-in{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;padding:22px 0}
.strip b{display:block;font-size:1.06rem;color:#fff;margin-bottom:2px}
.strip span{font-size:.84rem;line-height:1.45;display:block}
@media (max-width:760px){.strip-in{grid-template-columns:1fr 1fr;gap:18px 14px}}

/* ---------- sections ---------- */
.sec{padding:clamp(46px,6vw,78px) 0}
.sec-tight{padding:clamp(34px,4vw,52px) 0}
.sec-alt{background:var(--surface)}
.sec-line{border-top:1px solid var(--line)}
.sec-head{max-width:760px;margin-bottom:clamp(26px,3.4vw,42px)}
.sec-head p{font-size:1.06rem;color:var(--muted);margin-bottom:0}
.sec-head h2{margin-bottom:.35em}

/* ---------- cards ---------- */
.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)}
@media (max-width:960px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.g2,.g3,.g4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px 22px;transition:border-color .15s,box-shadow .15s,transform .15s;display:flex;flex-direction:column}
.card:hover{border-color:#c3ceda;box-shadow:var(--shadow);transform:translateY(-2px)}
.card h3{margin-bottom:.4em;font-size:1.08rem}
.card p{color:var(--muted);font-size:.95rem;margin-bottom:.9em}
.card .more{margin-top:auto;font-weight:680;font-size:.9rem;color:var(--accent-d)}
.card .more::after{content:" \2192"}
a.card{color:inherit}
a.card:hover{text-decoration:none}
.ico{width:42px;height:42px;border-radius:10px;background:var(--surface);color:var(--navy);display:flex;align-items:center;justify-content:center;margin-bottom:14px;border:1px solid var(--line)}
.ico svg{width:22px;height:22px}

/* ---------- feature list ---------- */
.checks{list-style:none;padding:0;margin:0 0 1.1em;display:grid;gap:10px}
.checks li{position:relative;padding-left:31px;margin:0}
.checks li::before{content:"";position:absolute;left:0;top:.44em;width:19px;height:19px;border-radius:50%;background:var(--ok);opacity:.13}
.checks li::after{content:"";position:absolute;left:6px;top:.72em;width:6px;height:10px;border:solid var(--ok);border-width:0 2px 2px 0;transform:rotate(42deg)}
.checks strong{display:block;font-weight:680;color:var(--ink)}
.checks span{font-size:.93rem;color:var(--muted)}
ul.plain{margin:0 0 1.1em;padding-left:1.15em}
ul.plain li{color:var(--ink-2)}

/* ---------- split ---------- */
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(28px,4vw,56px);align-items:center}
@media (max-width:880px){.split{grid-template-columns:1fr}}
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:clamp(22px,3vw,32px);box-shadow:var(--shadow)}
.panel-dark{background:var(--navy);color:#dfe8f1;border-color:transparent}
.panel-dark h3,.panel-dark h2{color:#fff}
.panel-dark .checks span,.panel-dark .checks strong{color:#c6d5e4}
.panel-dark .checks li::before{background:#fff;opacity:.14}

/* ---------- steps ---------- */
.steps{counter-reset:s;display:grid;gap:0;margin:0;padding:0;list-style:none}
.steps li{counter-increment:s;position:relative;padding:0 0 26px 62px;border-left:2px solid var(--line);margin-left:20px}
.steps li:last-child{border-left-color:transparent;padding-bottom:0}
.steps li::before{content:counter(s);position:absolute;left:-21px;top:-4px;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:750;font-size:1rem;border:4px solid #fff}
.steps h3{margin-bottom:.25em;font-size:1.03rem}
.steps p{margin:0;color:var(--muted);font-size:.95rem}

/* ---------- faq ---------- */
.faq{display:grid;gap:10px;max-width:860px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--radius-s);padding:0}
.faq summary{padding:17px 52px 17px 20px;font-weight:680;cursor:pointer;list-style:none;position:relative;font-size:1rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);font-size:1.35rem;font-weight:400;color:var(--accent-d);line-height:1}
.faq details[open] summary::after{content:"\2013"}
.faq details[open]{box-shadow:var(--shadow)}
.faq .fa-a{padding:0 20px 18px;color:var(--muted);font-size:.96rem}
.faq .fa-a p:last-child{margin-bottom:0}

/* ---------- table ---------- */
.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
table{border-collapse:collapse;width:100%;font-size:.94rem;min-width:520px}
th,td{text-align:left;padding:13px 16px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--surface);font-weight:700;font-size:.86rem;letter-spacing:.03em;text-transform:uppercase;color:var(--muted)}
tr:last-child td{border-bottom:0}
td.num{font-variant-numeric:tabular-nums;white-space:nowrap}

/* ---------- prose ---------- */
.prose{max-width:780px}
.prose h2{margin-top:1.7em}
.prose h3{margin-top:1.5em}
.prose p,.prose li{color:#22303d}
.prose ul li{margin:.4em 0}
.prose blockquote{margin:1.6em 0;padding:4px 0 4px 22px;border-left:3px solid var(--accent);color:var(--ink-2);font-size:1.06rem}
.callout{background:var(--surface);border-left:4px solid var(--accent);padding:18px 22px;border-radius:0 var(--radius-s) var(--radius-s) 0;margin:1.6em 0}
.callout p:last-child{margin-bottom:0}

/* ---------- breadcrumbs ---------- */
.crumbs{font-size:.84rem;color:var(--muted);padding:16px 0 0}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:7px;margin:0;padding:0}
.crumbs li{display:flex;align-items:center;gap:7px;margin:0}
.crumbs li+li::before{content:"/";color:#b9c5d1}
.crumbs a{color:var(--muted)}
.crumbs a:hover{color:var(--navy)}
.crumbs [aria-current]{color:var(--ink);font-weight:600}

/* ---------- page head ---------- */
.phead{background:var(--surface);border-bottom:1px solid var(--line);padding-bottom:clamp(30px,4vw,48px)}
.phead-in{padding-top:clamp(22px,3vw,34px);max-width:860px}
.phead h1{font-size:clamp(1.85rem,4vw,2.7rem);margin-bottom:.4em}
.phead .lead{font-size:clamp(1.02rem,1.7vw,1.18rem);color:var(--muted);margin-bottom:1.3em;max-width:44em}
.phead--dark{position:relative;overflow:hidden;border-bottom:0;
  background:radial-gradient(900px 420px at 80% 0%,rgba(194,128,42,.30),transparent 62%),
             radial-gradient(720px 520px at 4% 102%,rgba(28,107,82,.24),transparent 60%),
             linear-gradient(180deg,#12243b 0%,#0c1a29 100%)}
.phead--dark::after{content:"";position:absolute;inset:0;opacity:.30;pointer-events:none;
  background-image:linear-gradient(rgba(255,255,255,.10) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.10) 1px,transparent 1px);
  background-size:56px 56px;
  -webkit-mask-image:radial-gradient(ellipse at 28% 34%,#000 6%,transparent 76%);
  mask-image:radial-gradient(ellipse at 28% 34%,#000 6%,transparent 76%)}
.phead--dark .wrap{position:relative;z-index:1}
.phead--dark .hero-note{color:#9fb2c5}
.phead--dark h1{color:#fff}
.phead--dark .lead{color:#c4d3e2}
.phead--dark .crumbs,.phead--dark .crumbs a{color:#8fa6bd}
.phead--dark .crumbs [aria-current]{color:#dfe8f1}

/* ---------- cta band ---------- */
.cta{background:linear-gradient(120deg,var(--navy) 0%,#1a3550 100%);color:#fff;position:relative;overflow:hidden}
.cta::after{content:"";position:absolute;inset:0;opacity:.18;
  background-image:linear-gradient(rgba(255,255,255,.14) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.14) 1px,transparent 1px);
  background-size:48px 48px;
  -webkit-mask-image:linear-gradient(90deg,transparent,#000);mask-image:linear-gradient(90deg,transparent,#000)}
.cta-in{position:relative;z-index:1;padding:clamp(38px,5vw,62px) 0;display:grid;grid-template-columns:1.4fr .9fr;gap:32px;align-items:center}
.cta h2{color:#fff;margin-bottom:.3em}
.cta p{color:#c6d6e5;margin-bottom:0;max-width:38em}
.cta-note{margin:16px 0 0 !important;font-size:.88rem;color:#9fb2c5 !important;max-width:40em}
.cta-note strong{color:#dbe6f0;font-weight:650}
@media (max-width:820px){.cta-in{grid-template-columns:1fr}}

/* ---------- contact ---------- */
.contact-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:clamp(26px,4vw,48px);align-items:start}
@media (max-width:900px){.contact-grid{grid-template-columns:1fr}}
.field{margin-bottom:16px}
.field label{display:block;font-weight:650;font-size:.9rem;margin-bottom:6px}
.field input,.field select,.field textarea{width:100%;padding:12px 14px;border:1px solid #cbd5df;border-radius:var(--radius-s);font:inherit;font-size:.97rem;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(18,36,59,.10)}
.field textarea{min-height:130px;resize:vertical}
.field .hint{font-size:.82rem;color:var(--muted);margin-top:5px}
.req{color:#b3261e}
.form-note{font-size:.85rem;color:var(--muted);margin-top:14px}
.ct-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.ct-card h3{font-size:1.02rem;margin-bottom:.5em}
.ct-list{list-style:none;padding:0;margin:0;display:grid;gap:16px}
.ct-list li{display:flex;gap:13px;align-items:flex-start;margin:0}
.ct-list .ico{width:34px;height:34px;margin:0;flex:0 0 auto;border-radius:8px}
.ct-list .ico svg{width:17px;height:17px}
.ct-list b{display:block;font-size:.78rem;text-transform:uppercase;letter-spacing:.07em;color:var(--muted);font-weight:700}
.ct-list a,.ct-list span{font-weight:600;font-size:.98rem;line-height:1.4}

/* ---------- article ---------- */
.art-head{max-width:780px}
.art-meta{font-size:.86rem;color:var(--muted);display:flex;flex-wrap:wrap;gap:14px;margin-bottom:1.4em}
.art-body{max-width:780px}
.art-body h2{font-size:1.55rem;margin-top:1.6em}
.art-body h3{font-size:1.16rem;margin-top:1.4em}
.art-body img{border-radius:var(--radius);margin:1.4em 0}
.art-body table{min-width:0}
.tagrow{display:flex;flex-wrap:wrap;gap:8px;margin:2em 0 0}
.tag{background:var(--surface-2);border:1px solid var(--line);border-radius:100px;padding:5px 13px;font-size:.79rem;font-weight:600;color:var(--muted)}

/* ---------- footer ---------- */
.ftr{background:var(--navy-2);color:#a8bacb;font-size:.92rem;padding:clamp(40px,5vw,60px) 0 0}
.ftr-in{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:34px;padding-bottom:40px}
.ftr h3{color:#fff;font-size:.78rem;text-transform:uppercase;letter-spacing:.1em;margin-bottom:1em;font-weight:750}
.ftr ul{list-style:none;padding:0;margin:0;display:grid;gap:9px}
.ftr a{color:#a8bacb}
.ftr a:hover{color:#fff}
.ftr-brand{color:#8fa3b7;line-height:1.6;margin-top:14px;max-width:34em}
.ftr .logo{color:#fff}
.ftr .logo span span{color:#7f95aa}
.ftr-social{display:flex;flex-wrap:wrap;gap:16px;margin:16px 0 0;font-size:.86rem}
.ftr-social a{color:#c9d6e3;font-weight:600}
.ftr-social a:hover{color:#fff}
.ftr-bot{border-top:1px solid rgba(255,255,255,.1);padding:20px 0;display:flex;flex-wrap:wrap;gap:14px;justify-content:space-between;font-size:.84rem;color:#7f95aa}
@media (max-width:900px){.ftr-in{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.ftr-in{grid-template-columns:1fr}}

/* ---------- mobile sticky call bar ---------- */
.mbar{display:none}
@media (max-width:640px){
  .mbar{display:grid;grid-template-columns:1fr 1fr;gap:10px;position:fixed;bottom:0;left:0;right:0;z-index:75;padding:10px 12px;background:rgba(255,255,255,.97);border-top:1px solid var(--line);box-shadow:0 -6px 20px -12px rgba(0,0,0,.3)}
  .mbar .btn{padding:12px 10px;font-size:.95rem}
  body{padding-bottom:74px}
}
.notice{background:#fff8e6;border:1px solid #e9cf9a;border-radius:var(--radius-s);padding:14px 18px;font-size:.9rem;color:#5c470f;margin:1.4em 0}