:root{
  --navy:#1B2F7A;--navy-dark:#101C4F;--navy-soft:#E9EEFA;
  --green:#1F8A3B;--green-dark:#176B2E;--green-soft:#E8F5EC;
  --ink:#1B2433;--muted:#51607A;--bg:#FFFFFF;--soft:#F4F7FC;--line:#DDE4EF;
  --radius:16px;--shadow:0 8px 28px rgba(16,28,79,.08);
  --font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);font-size:1.0625rem;line-height:1.75;color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-underline-offset:3px}
a:hover{color:var(--green-dark)}
:focus-visible{outline:3px solid #F2B600;outline-offset:3px;border-radius:6px}
h1,h2,h3{line-height:1.2;color:var(--navy-dark);margin:0 0 .6em;letter-spacing:-.01em}
h1{font-size:clamp(1.9rem,6vw,2.85rem);font-weight:800}
h2{font-size:clamp(1.55rem,4.2vw,2.15rem);font-weight:800}
h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}
.shell{width:min(1120px,100% - 2rem);margin-inline:auto}
.skip-link{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:.75rem 1rem;z-index:100}
.skip-link:focus{left:1rem;top:1rem}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;gap:1rem;min-height:68px}
.brand{display:flex;align-items:center;gap:.7rem;text-decoration:none;color:var(--navy-dark)}
.brand img{width:40px;height:40px}
.brand strong{display:block;font-size:1.05rem;line-height:1.1}
.brand small{display:block;font-size:.76rem;color:var(--muted);line-height:1.2}
.site-nav{margin-left:auto;display:flex;align-items:center;gap:.25rem}
.site-nav a{display:inline-flex;align-items:center;min-height:44px;padding:0 .8rem;border-radius:10px;text-decoration:none;color:var(--ink);font-weight:600;font-size:.97rem}
.site-nav a:hover,.site-nav a[aria-current="page"]{background:var(--navy-soft);color:var(--navy)}
.site-nav a.btn{color:#fff;font-size:.95rem;padding:.55rem 1.1rem;min-height:44px}
.site-nav a.btn:hover{background:var(--green-dark);color:#fff}
.menu-toggle{display:none;margin-left:auto;width:48px;height:48px;border:1px solid var(--line);background:#fff;border-radius:12px;cursor:pointer;padding:0;align-items:center;justify-content:center;flex-direction:column;gap:6px}
.menu-toggle span{display:block;width:22px;height:2px;background:var(--navy-dark);border-radius:2px;transition:transform .2s}
.menu-toggle[aria-expanded="true"] span:first-child{transform:translateY(4px) rotate(45deg)}
.menu-toggle[aria-expanded="true"] span:last-child{transform:translateY(-4px) rotate(-45deg)}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;min-height:52px;padding:.8rem 1.5rem;border-radius:999px;font-weight:700;font-size:1rem;text-decoration:none;border:2px solid transparent;cursor:pointer;font-family:inherit;line-height:1.2;text-align:center}
.btn-primary{background:var(--green);color:#fff}
.btn-primary:hover{background:var(--green-dark);color:#fff}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-dark);color:#fff}
.btn-outline{background:#fff;border-color:var(--navy);color:var(--navy)}
.btn-outline:hover{background:var(--navy-soft);color:var(--navy)}
.btn-light{background:#fff;color:var(--navy-dark)}
.btn-light:hover{background:var(--green-soft);color:var(--navy-dark)}
.btn-sm{min-height:44px;padding:.55rem 1.1rem;font-size:.95rem}

/* hero */
.hero{padding:2.5rem 0 3rem;background:linear-gradient(180deg,var(--soft),#fff)}
.hero-grid{display:grid;gap:2rem;align-items:center}
.eyebrow{display:inline-block;background:var(--green-soft);color:var(--green-dark);font-weight:700;font-size:.85rem;padding:.4rem .9rem;border-radius:999px;margin-bottom:1rem}
.hero h1 em{font-style:normal;color:var(--green)}
.lead{font-size:1.15rem;color:var(--muted);max-width:60ch}
.hero-actions{display:flex;flex-wrap:wrap;gap:.8rem;margin:1.5rem 0 .75rem}
.hero-note{font-size:.88rem;color:var(--muted);margin:0}
.portrait{margin:0;position:relative}
.portrait img{border-radius:24px;box-shadow:var(--shadow);width:100%;aspect-ratio:772/528;object-fit:cover;background:var(--navy-soft)}
.portrait figcaption{margin-top:.7rem;font-size:.88rem;color:var(--muted)}

/* trust */
.trust{background:var(--navy);color:#fff;padding:1.6rem 0}
.trust-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1.25rem 1rem}
.trust b{display:block;font-size:1.7rem;line-height:1.1;color:#fff}
.trust span{display:block;font-size:.88rem;color:#CFD8F5;line-height:1.4;margin-top:.2rem}

/* sections */
.section{padding:3.25rem 0}
.section.soft{background:var(--soft)}
.section-head{max-width:62ch;margin-bottom:2rem}
.section-head p{color:var(--muted)}
.kicker{display:block;text-transform:uppercase;letter-spacing:.08em;font-size:.8rem;font-weight:800;color:var(--green-dark);margin-bottom:.5rem}
.grid-2,.grid-3,.grid-4{display:grid;gap:1.25rem}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem;box-shadow:0 2px 8px rgba(16,28,79,.04)}
.card h3{margin-bottom:.4rem}
.card p{color:var(--muted);margin-bottom:1rem}
.card ul{margin:0 0 1.25rem;padding-left:1.15rem;color:var(--ink)}
.card li{margin-bottom:.35rem}
.card.accent{border-color:var(--green);box-shadow:var(--shadow)}
.tag{display:inline-block;font-size:.78rem;font-weight:700;background:var(--navy-soft);color:var(--navy);padding:.2rem .7rem;border-radius:999px;margin-bottom:.8rem}
.brand-card .tagline{font-style:italic;color:var(--green-dark);font-weight:600;margin-bottom:.5rem}
.steps{counter-reset:s;display:grid;gap:1.25rem;padding:0;margin:0;list-style:none}
.steps li{counter-increment:s;position:relative;padding:1.25rem 1.25rem 1.25rem 4.2rem;background:#fff;border:1px solid var(--line);border-radius:var(--radius)}
.steps li::before{content:counter(s);position:absolute;left:1.1rem;top:1.15rem;width:2.3rem;height:2.3rem;border-radius:50%;background:var(--green);color:#fff;font-weight:800;display:grid;place-items:center}
.steps h3{margin-bottom:.2rem}.steps p{margin:0;color:var(--muted)}
.split{display:grid;gap:2rem;align-items:center}
.notice{background:var(--green-soft);border-left:5px solid var(--green);padding:1rem 1.25rem;border-radius:10px;font-size:.97rem;margin:1.5rem 0}
.notice.warn{background:#FFF7E0;border-color:#F2B600}
.link-arrow{font-weight:700;text-decoration:none}
.link-arrow::after{content:" →"}
.article-card{display:block;text-decoration:none;color:inherit}
.article-card h3{color:var(--navy-dark)}
.article-card:hover h3{color:var(--green-dark)}
.article-card small{color:var(--green-dark);font-weight:700}

/* faq */
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:.75rem}
.faq summary{cursor:pointer;font-weight:700;padding:1rem 1.25rem;min-height:48px;list-style:none;color:var(--navy-dark)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;font-size:1.4rem;line-height:1;color:var(--green)}
.faq details[open] summary::after{content:"–"}
.faq details p{padding:0 1.25rem;color:var(--muted)}
.faq details p:last-child{padding-bottom:1rem;margin:0}

/* form */
.cta-band{background:var(--navy);color:#fff;border-radius:24px;padding:2rem 1.25rem}
.cta-band h2{color:#fff}.cta-band p{color:#D6DEF7}
.lead-form{display:grid;gap:1rem;margin-top:1.25rem}
.lead-form label{display:block;font-weight:700;font-size:.95rem;margin-bottom:.3rem;color:#fff}
.lead-form input,.lead-form select{width:100%;min-height:52px;border-radius:12px;border:2px solid transparent;padding:.7rem 1rem;font-size:1rem;font-family:inherit;color:var(--ink);background:#fff}
.lead-form input:focus,.lead-form select:focus{border-color:#F2B600;outline:none}
.form-note{font-size:.85rem;color:#B9C5EE;margin:0}

/* footer */
.site-footer{background:var(--navy-dark);color:#C9D3F3;padding:2.5rem 0 1.5rem;font-size:.95rem}
.site-footer a{color:#fff}
.footer-grid{display:grid;gap:1.75rem}
.footer-links{display:grid;gap:.1rem}
.footer-links a{display:inline-flex;align-items:center;min-height:40px;text-decoration:none}
.footer-links a:hover{text-decoration:underline;color:#fff}
.footer-title{color:#fff;font-weight:700;margin-bottom:.4rem}
.fine{border-top:1px solid rgba(255,255,255,.15);margin-top:1.75rem;padding-top:1.25rem;font-size:.85rem;color:#AEBBE8}

/* inner pages */
.page-hero{background:var(--soft);padding:2.25rem 0 2rem;border-bottom:1px solid var(--line)}
.crumbs{font-size:.88rem;color:var(--muted);margin-bottom:.8rem}
.crumbs a{color:var(--muted)}
.prose{max-width:70ch}
.prose h2{margin-top:2rem}
.prose ul,.prose ol{padding-left:1.3rem}
.prose li{margin-bottom:.4rem}
.article-meta{display:flex;flex-wrap:wrap;gap:.4rem 1rem;font-size:.88rem;color:var(--muted);margin-top:1rem}
.article-dek{font-size:1.15rem;color:var(--muted);max-width:62ch}
.article-layout{display:grid;gap:2rem;padding:2rem 0 3rem}
.article-toc{background:var(--soft);border:1px solid var(--line);border-radius:14px;padding:1rem 1.25rem}
.article-toc strong{display:block;margin-bottom:.4rem;color:var(--navy-dark)}
.article-toc a{display:block;padding:.3rem 0;text-decoration:none;font-size:.95rem}
.article-content{max-width:70ch}
.article-content h2{margin-top:2.2rem;scroll-margin-top:90px}
.article-callout{background:var(--green-soft);border-left:5px solid var(--green);padding:1rem 1.25rem;border-radius:10px;margin:1.5rem 0}
.article-callout strong,.article-disclaimer strong{display:block;margin-bottom:.2rem;color:var(--navy-dark)}
.article-disclaimer{background:#FFF7E0;border-left:5px solid #F2B600;padding:1rem 1.25rem;border-radius:10px;margin:1.75rem 0;font-size:.95rem}
.article-cta{background:var(--navy);color:#fff;border-radius:20px;padding:1.6rem 1.4rem;margin-top:2.25rem;display:grid;gap:1rem}
.article-cta h2{color:#fff;margin:0 0 .3rem;font-size:1.4rem}.article-cta p{color:#D6DEF7;margin:0}
.article-cta .button{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:.8rem 1.4rem;border-radius:999px;background:#fff;color:var(--navy-dark);font-weight:700;text-decoration:none;text-align:center}
.related-grid{display:grid;gap:1rem}
.related-card{display:block;background:#fff;border:1px solid var(--line);border-radius:14px;padding:1.1rem 1.25rem;text-decoration:none;color:inherit}
.related-card small{color:var(--green-dark);font-weight:700}
.related-card h3{margin:.2rem 0 0;font-size:1.05rem}

/* sticky wa (mobile) */
.wa-float{position:fixed;right:14px;bottom:14px;z-index:60;display:none}
.wa-float .btn{box-shadow:0 8px 24px rgba(0,0,0,.25)}

@media(min-width:760px){
  .hero{padding:4rem 0 4.5rem}
  .hero-grid{grid-template-columns:1.05fr .95fr;gap:3rem}
  .trust-grid{grid-template-columns:repeat(4,1fr)}
  .grid-2{grid-template-columns:repeat(2,1fr)}
  .grid-3{grid-template-columns:repeat(3,1fr)}
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(3,1fr)}
  .steps li{padding:4.2rem 1.25rem 1.25rem}
  .steps li::before{left:1.25rem;top:1.1rem}
  .split{grid-template-columns:1fr 1fr;gap:3rem}
  .footer-grid{grid-template-columns:1.4fr 1fr 1fr}
  .cta-band{padding:3rem 3rem}
  .cta-grid{display:grid;grid-template-columns:1fr 1fr;gap:2.5rem;align-items:center}
  .article-layout{grid-template-columns:240px 1fr;gap:3rem}
  .article-toc{position:sticky;top:90px;align-self:start}
  .article-cta{grid-template-columns:1fr auto;align-items:center}
  .related-grid{grid-template-columns:repeat(3,1fr)}
  .section{padding:4.5rem 0}
}
@media(min-width:1000px){.grid-4{grid-template-columns:repeat(4,1fr)}}
@media(max-width:899px){
  .menu-toggle{display:flex}
  .site-nav{display:none;position:absolute;left:0;right:0;top:68px;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:.75rem 1rem 1rem;gap:.15rem;box-shadow:0 14px 24px rgba(16,28,79,.1)}
  .site-nav.open{display:flex}
  .site-nav a{padding:0 1rem}
  .header-cta{display:none}
  .wa-float{display:block}
  body{padding-bottom:76px}
}
@media(min-width:900px){.site-nav{margin-left:auto}.header-cta{margin-left:.5rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}