:root{--ink:#0f2a33;--muted:#4a6670;--brand:#0b6e8a;--brand-d:#075468;--aqua:#e6f6fa;--sand:#fbf6ef;--line:#d9e6ea;--sun:#ffd166;--radius:14px;--wrap:1120px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6;font-size:17px}
img,svg{max-width:100%;height:auto}
a{color:var(--brand)}a:hover{color:var(--brand-d)}
:focus-visible{outline:3px solid #f4a300;outline-offset:2px}
h1,h2,h3{line-height:1.2;margin:0 0 .6em}
h1{font-size:clamp(1.9rem,4.5vw,2.9rem);letter-spacing:-.02em}
h2{font-size:clamp(1.35rem,2.6vw,1.75rem)}
h3{font-size:1.12rem}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:10}.skip:focus{left:8px}
.site-header{border-bottom:1px solid var(--line);background:rgba(255,255,255,.96);position:sticky;top:0;z-index:5}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:64px;flex-wrap:wrap;padding-top:8px;padding-bottom:8px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-size:1.1rem}
.logo-mark{width:36px;height:36px;flex:none}
.nav{display:flex;gap:4px 16px;flex-wrap:wrap;align-items:center}
.nav a{text-decoration:none;color:var(--ink);font-weight:500;padding:6px 2px;font-size:.98rem}
.nav a[aria-current=page]{color:var(--brand);box-shadow:inset 0 -2px 0 var(--brand)}
.nav a.nav-cta{background:var(--brand);color:#fff;padding:8px 14px;border-radius:999px;box-shadow:none}
.nav a.nav-cta:hover{background:var(--brand-d)}
.btn{display:inline-block;background:var(--brand);color:#fff;text-decoration:none;font-weight:600;padding:12px 22px;border-radius:999px;border:2px solid var(--brand);font-size:1rem;cursor:pointer;font-family:inherit}
.btn:hover{background:var(--brand-d);border-color:var(--brand-d);color:#fff}
.btn-ghost{background:transparent;color:var(--brand)}.btn-ghost:hover{background:var(--aqua);color:var(--brand-d)}
.btn-light{background:#fff;color:var(--brand);border-color:#fff}.btn-light:hover{background:var(--aqua);color:var(--brand-d);border-color:var(--aqua)}
.btn-block{display:block;text-align:center}
.hero{background:linear-gradient(180deg,var(--sand),#fff);padding:48px 0 40px}
.hero-grid{display:grid;gap:32px;align-items:center}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.8rem;font-weight:700;color:var(--brand);margin-bottom:.5em}
.lede{font-size:1.15rem;color:var(--muted)}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin:20px 0}
.disclaimer{font-size:.93rem;color:var(--muted);background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:12px 14px}
.hero-art{width:100%;display:block;border-radius:24px;box-shadow:0 10px 30px rgba(11,110,138,.12)}
.section{padding:48px 0}.section.alt{background:var(--aqua)}
.section-title{margin-bottom:.3em}.section-sub{color:var(--muted);margin-bottom:24px}
.cards{display:grid;gap:16px}
.card{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:var(--radius);padding:20px;text-decoration:none;color:var(--ink);background:#fff;transition:box-shadow .15s,transform .15s}
.card:hover{box-shadow:0 8px 24px rgba(15,42,51,.1);transform:translateY(-2px);color:var(--ink)}
.card p{color:var(--muted);flex:1}.card .more{color:var(--brand);font-weight:600}
.icon{display:inline-flex;width:48px;height:48px;color:var(--brand);background:var(--aqua);border-radius:12px;padding:8px;margin-bottom:12px}
.icon svg{width:100%;height:100%}
.icon.big{width:72px;height:72px;padding:12px;border-radius:18px;flex:none}
.steps{list-style:none;padding:0;margin:0;display:grid;gap:16px}
.steps li{display:flex;gap:14px;background:#fff;border-radius:var(--radius);padding:18px}
.step-n{flex:none;width:36px;height:36px;border-radius:50%;background:var(--brand);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700}
.steps p{margin:0;color:var(--muted)}
.split{display:grid;gap:20px;align-items:start}
.page-head{background:linear-gradient(180deg,var(--sand),#fff);padding:28px 0 32px;border-bottom:1px solid var(--line)}
.page-head.center{text-align:center;padding:64px 0}
.page-head-row{display:flex;gap:18px;align-items:flex-start}
.crumbs ol{list-style:none;padding:0;margin:0 0 16px;display:flex;flex-wrap:wrap;gap:6px;font-size:.88rem;color:var(--muted)}
.crumbs li+li::before{content:"/";margin-right:6px;color:#9bb}
.content-grid{display:grid;gap:32px}
.prose{max-width:720px}.prose.narrow{margin:0 auto}
.prose h2{margin-top:1.4em}.prose h2:first-child{margin-top:0}
.checks{list-style:none;padding:0;margin:0 0 1.4em}
.checks li{display:flex;gap:10px;margin-bottom:10px}
.checks svg{flex:none;width:22px;height:22px;color:var(--brand);margin-top:3px}
.muted{color:var(--muted)}.small{font-size:.9rem}
.notice{background:var(--aqua);border-left:4px solid var(--brand);padding:14px 16px;border-radius:8px;margin-top:20px;font-size:.95rem}
.side{display:grid;gap:16px;align-content:start}
.side-box{border:1px solid var(--line);border-radius:var(--radius);padding:18px;background:#fff}
.side-box h2{font-size:1.1rem}.side-box ul{padding-left:18px;margin:0 0 12px}.side-box li{margin-bottom:6px}
.plain{padding-left:18px}
.guide-sec{border-top:1px solid var(--line);padding-top:24px;margin-top:24px;scroll-margin-top:90px}
.guide-sec:first-child{border-top:0;padding-top:0;margin-top:0}
.qa{margin-bottom:22px}.qa h3{margin-bottom:.35em}
.sources{font-size:.88rem;color:var(--muted)}
.cite{display:inline;word-break:break-word}.cite+.cite::before{content:"; ";color:var(--muted)}
.src-list li{margin-bottom:8px;word-break:break-word}
.cta-band{background:var(--brand);color:#fff;padding:36px 0}
.cta-inner{display:flex;flex-wrap:wrap;gap:18px;align-items:center;justify-content:space-between}
.cta-band h2{margin-bottom:.25em}.cta-band p{margin:0;color:#d8f1f7}
.site-footer{background:#0c2730;color:#cfe3e8;padding:40px 0 24px;font-size:.95rem}
.site-footer a{color:#fff}
.footer-grid{display:grid;gap:24px}
.footer-brand{display:flex;gap:10px;align-items:center;color:#fff;font-size:1.05rem}
.footer-h{font-size:1rem;color:#fff}.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin-bottom:6px}
.footer-base{border-top:1px solid #23444e;margin-top:24px;padding-top:16px}
.status-note{background:#fff7e0;border:1px solid #f0d58a;border-radius:var(--radius);padding:14px 16px;margin-bottom:20px}
.lead-form{border:1px solid var(--line);border-radius:var(--radius);padding:20px;background:#fff}
.field{margin-bottom:16px;display:flex;flex-direction:column;flex:1}
.field-row{display:flex;flex-direction:column;gap:0 16px}
.field label{font-weight:600;margin-bottom:6px}.opt{font-weight:400;color:var(--muted)}
.field input,.field select,.field textarea{font:inherit;font-size:16px;padding:11px 12px;border:1px solid #b8ccd2;border-radius:10px;background:#fff;color:var(--ink);width:100%}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--brand);outline:2px solid rgba(11,110,138,.25)}
.field.check{flex-direction:row;gap:10px;align-items:flex-start}
.field.check input{width:22px;height:22px;flex:none;margin-top:3px}
.field.check label{font-weight:400;font-size:.93rem}
.hp{position:absolute;left:-5000px;width:1px;height:1px;overflow:hidden}
.form-msg{margin:14px 0 0;font-weight:600}.form-msg.ok{color:#7a5a00}.form-msg.err{color:#b3261e}
.link-list{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:10px 18px;justify-content:center}
@media (min-width:720px){
 .cards{grid-template-columns:repeat(2,1fr)}
 .steps{grid-template-columns:repeat(3,1fr)}.steps li{flex-direction:column}
 .field-row{flex-direction:row}
 .footer-grid{grid-template-columns:2fr 1fr 1fr}
 .split{grid-template-columns:auto 1fr}
}
@media (min-width:960px){
 .hero{padding:72px 0 64px}
 .hero-grid{grid-template-columns:1.1fr .9fr}
 .cards{grid-template-columns:repeat(4,1fr)}
 .content-grid{grid-template-columns:minmax(0,1fr) 320px}
 .sticky{position:sticky;top:90px}
}
@media (max-width:540px){.page-head-row{flex-direction:column}.nav{gap:2px 12px}.nav a{font-size:.92rem}}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}