:root{
  --ink:#16222e;
  --ink-2:#44525f;
  --muted:#6b7784;
  --bg:#ffffff;
  --bg-soft:#f4f7f9;
  --line:#dde4ea;
  --brand:#0e4a6e;
  --brand-dark:#0a3651;
  --call:#1f7a4d;
  --call-dark:#17603c;
  --warn-bg:#fff6e5;
  --warn-line:#f0c46b;
  --radius:10px;
  --wrap:1120px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;font-size:17px;line-height:1.6;color:var(--ink);background:var(--bg);padding-bottom:72px}
img,svg{max-width:100%}
a{color:var(--brand)}
a:hover{color:var(--brand-dark)}
h1,h2,h3{line-height:1.25;margin:0 0 .6em;color:var(--ink)}
h1{font-size:2rem}
h2{font-size:1.5rem;margin-top:1.8em}
h3{font-size:1.15rem;margin-top:1.4em}
p{margin:0 0 1em}
ul,ol{padding-left:1.3em;margin:0 0 1em}
li{margin-bottom:.35em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 16px}
.skip{position:absolute;left:-999px}
.skip:focus{left:16px;top:8px;background:#fff;padding:8px;z-index:100}

.topbar{background:var(--brand-dark);color:#e6eef4;font-size:.9rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:12px;padding-top:6px;padding-bottom:6px}
.topbar a{color:#fff;font-weight:700;text-decoration:none;white-space:nowrap}

.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:800;font-size:1.1rem;line-height:1.1}
.logo small{display:block;font-weight:500;font-size:.75rem;color:var(--muted)}
.logo svg{flex:none}
.nav{display:flex;align-items:center;gap:4px}
.nav a,.nav .dd>span{display:block;padding:10px 10px;text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem;border-radius:6px;cursor:pointer}
.nav a:hover,.nav .dd:hover>span{background:var(--bg-soft)}
.nav a[aria-current="page"]{color:var(--brand)}
.dd{position:relative}
.dd-menu{display:none;position:absolute;left:0;top:100%;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 8px 24px rgba(0,0,0,.08);min-width:230px;padding:6px}
.dd:hover .dd-menu,.dd:focus-within .dd-menu{display:block}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--call);color:#fff;text-decoration:none;font-weight:700;padding:12px 20px;border-radius:8px;border:0;font-size:1rem;line-height:1.2}
.btn:hover{background:var(--call-dark);color:#fff}
.btn-lg{font-size:1.15rem;padding:15px 26px}
.btn-outline{background:#fff;color:var(--brand);border:2px solid var(--brand)}
.btn-outline:hover{background:var(--bg-soft);color:var(--brand-dark)}
.header-call{white-space:nowrap}
.mnav{display:none}

.hero{background:linear-gradient(180deg,#eaf2f7 0%,#f7fafc 100%);border-bottom:1px solid var(--line)}
.hero .wrap{padding-top:40px;padding-bottom:40px}
.hero h1{font-size:2.3rem;max-width:760px}
.hero p.lead{font-size:1.15rem;color:var(--ink-2);max-width:680px}
.hero-actions{display:flex;flex-wrap:wrap;align-items:center;gap:14px;margin-top:18px}
.hero-phone{font-size:1.25rem;font-weight:800;color:var(--ink);text-decoration:none}
.hero-note{font-size:.92rem;color:var(--muted);margin-top:12px}
.crumbs{font-size:.88rem;color:var(--muted);margin-bottom:10px}
.crumbs a{color:var(--muted)}

main section{padding:8px 0}
.content{max-width:780px}
.band{background:var(--bg-soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:28px 0;margin:32px 0}
.band h2{margin-top:0}

.grid{display:grid;gap:14px}
.grid-4{grid-template-columns:repeat(4,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.tile{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:16px;text-decoration:none;color:var(--ink)}
a.tile:hover{border-color:var(--brand);box-shadow:0 4px 14px rgba(14,74,110,.08)}
.tile strong{display:block;margin-bottom:4px}
.tile span{color:var(--ink-2);font-size:.95rem}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.card h3{margin-top:0}
.card p:last-child{margin-bottom:0}

.steps{counter-reset:s;list-style:none;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px 18px 18px 58px;position:relative;margin:0}
.steps li::before{content:counter(s);position:absolute;left:16px;top:16px;width:30px;height:30px;border-radius:50%;background:var(--brand);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center}

.alert{background:var(--warn-bg);border:1px solid var(--warn-line);border-radius:var(--radius);padding:20px;margin:24px 0}
.alert h2,.alert h3{margin-top:0}

.callout{background:var(--brand);color:#fff;border-radius:var(--radius);padding:24px;margin:32px 0;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px}
.callout h2,.callout p{color:#fff;margin:0}
.callout p{opacity:.9;margin-top:4px}
.callout .btn{background:#fff;color:var(--brand-dark)}
.callout .btn:hover{background:#eaf2f7}

table{width:100%;border-collapse:collapse;margin:0 0 1.2em;font-size:.97rem}
th,td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
th{background:var(--bg-soft)}

.faq details{border:1px solid var(--line);border-radius:var(--radius);padding:0 16px;margin-bottom:10px;background:#fff}
.faq summary{cursor:pointer;font-weight:700;padding:14px 0;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--brand);font-weight:700}
.faq details[open] summary::after{content:"\2212"}
.faq details p{margin-top:0}

.related{list-style:none;padding:0;display:grid;grid-template-columns:repeat(2,1fr);gap:10px}
.related li{margin:0}
.related a{display:block;border:1px solid var(--line);border-radius:8px;padding:12px 14px;text-decoration:none;font-weight:600}
.related a:hover{border-color:var(--brand)}

.checks{list-style:none;padding:0}
.checks li{padding-left:28px;position:relative}
.checks li::before{content:"";position:absolute;left:4px;top:.55em;width:12px;height:7px;border-left:3px solid var(--call);border-bottom:3px solid var(--call);transform:rotate(-45deg)}

.big-phone{font-size:2rem;font-weight:800;color:var(--ink);text-decoration:none}

.site-footer{background:#0f2433;color:#c9d6e0;margin-top:48px;font-size:.95rem}
.site-footer a{color:#fff}
.site-footer .wrap{padding-top:36px;padding-bottom:28px}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:28px}
.site-footer h2{color:#fff;font-size:1rem;margin:0 0 10px}
.site-footer ul{list-style:none;padding:0}
.disclosure{border-top:1px solid rgba(255,255,255,.15);margin-top:24px;padding-top:16px;font-size:.85rem;color:#9fb1bf}

.callbar{position:fixed;left:0;right:0;bottom:0;z-index:60;background:var(--call);display:none}
.callbar a{display:block;text-align:center;color:#fff;font-weight:800;font-size:1.1rem;padding:15px 16px;text-decoration:none}

@media (max-width:960px){
  .nav,.header-call{display:none}
  .mnav{display:block}
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .grid-3,.steps{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr}
}
@media (max-width:960px){
  .mnav summary{list-style:none;cursor:pointer;font-weight:700;padding:10px 14px;border:1px solid var(--line);border-radius:8px}
  .mnav summary::-webkit-details-marker{display:none}
  .mnav[open] .mnav-panel{display:block}
  .mnav-panel{position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);padding:8px 16px 16px;box-shadow:0 10px 20px rgba(0,0,0,.08)}
  .mnav-panel a{display:block;padding:11px 4px;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink);font-weight:600}
  .mnav-panel a.sub{padding-left:18px;font-weight:500}
  .callbar{display:block}
}
@media (max-width:600px){
  body{font-size:16px}
  h1,.hero h1{font-size:1.7rem}
  h2{font-size:1.3rem}
  .hero .wrap{padding-top:28px;padding-bottom:28px}
  .grid-4,.grid-2,.related{grid-template-columns:1fr}
  .topbar .tb-left{display:none}
  .topbar .wrap{justify-content:center}
  .logo small{display:none}
  .big-phone{font-size:1.6rem}
  table{font-size:.9rem}
  th,td{padding:8px}
  .table-scroll{overflow-x:auto}
}
@media (min-width:961px){
  body{padding-bottom:0}
}