:root{--navy:#14283b;--steel:#2f4a5f;--rust:#c2410c;--rust-d:#9a3412;--sand:#f4efe8;--ink:#1d2a36;--muted:#55636f;--accent:var(--rust);--shadow:0 10px 28px rgba(20,40,59,.14)}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:#fff}
img{max-width:100%;height:auto;display:block}a{color:var(--steel)}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:0 0 .5em;font-weight:800;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.6vw,3.3rem)}h2{font-size:clamp(1.55rem,3vw,2.2rem)}h3{font-size:1.2rem}p{margin:0 0 1em}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}.narrow{max-width:820px}.center{text-align:center}.small{font-size:.9rem;color:var(--muted)}.spaced{margin-top:48px}
section{padding:68px 0}.alt{background:var(--sand)}.dark{background:var(--navy);color:#dbe4ea}.dark h2,.dark h3{color:#fff}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:10px;z-index:99}.skip:focus{left:10px;top:10px}
:focus-visible{outline:3px solid #f59e0b;outline-offset:2px}
.topbar{background:var(--navy);color:#dbe4ea;font-size:.88rem;padding:7px 0}.topbar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}.topbar a{color:#fff;font-weight:700;text-decoration:none}
header.site{position:sticky;top:0;z-index:50;background:#fff;box-shadow:0 2px 14px rgba(0,0,0,.09)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:14px;min-height:76px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy)}.logo b{display:block;font-size:1.25rem;line-height:1.1}.logo small{display:block;font-size:.72rem;color:var(--muted);text-transform:uppercase;letter-spacing:.06em}
.menu{display:flex;gap:2px;list-style:none;margin:0;padding:0;align-items:center}.menu>li{position:relative}
.menu a{display:block;padding:10px 12px;text-decoration:none;color:var(--navy);font-weight:650;border-radius:8px;transition:.2s}
.menu a:hover,.menu a:focus-visible{background:var(--sand);color:var(--rust-d)}.menu .btn{color:#fff;margin-left:8px}.menu .btn:hover{background:var(--rust-d);color:#fff}
.sub{display:none;position:absolute;left:0;top:100%;background:#fff;min-width:300px;padding:8px;border-radius:12px;box-shadow:var(--shadow);list-style:none;margin:0;border-top:3px solid var(--rust)}
.menu li:hover>.sub,.menu li:focus-within>.sub{display:block}.sub a{font-weight:550}
.menu-toggle{display:none;background:var(--navy);color:#fff;border:0;border-radius:8px;padding:10px 16px;font:inherit;font-weight:700}
.btn{display:inline-block;padding:12px 22px;border-radius:10px;font-weight:750;text-decoration:none;border:2px solid transparent;transition:transform .2s,box-shadow .2s,background .2s;cursor:pointer;font-size:1rem;line-height:1.3}
.btn:hover{transform:translateY(-2px);box-shadow:var(--shadow)}.btn-lg{padding:15px 28px;width:100%;font-size:1.1rem}
.btn-primary{background:var(--rust);color:#fff}.btn-primary:hover{background:var(--rust-d)}
.btn-outline{border-color:#fff;color:#fff}.btn-outline:hover{background:#fff;color:var(--navy)}.btn-light{background:#fff;color:var(--navy)}
.btn-outline-dark{border-color:var(--navy);color:var(--navy)}.btn-outline-dark:hover{background:var(--navy);color:#fff}.btn-ghost{background:#fff;color:var(--navy);border-color:#cfd6dc}
.cta-row{display:flex;gap:12px;flex-wrap:wrap}.crumbs{font-size:.85rem;padding-top:14px;padding-bottom:0;color:var(--muted)}.crumbs a{color:var(--muted)}
.hero,.svchero,.areahero{background:linear-gradient(135deg,#10222f 0%,#1d3d52 100%);color:#dbe4ea;padding:70px 0}
.svchero{background:linear-gradient(135deg,#10222f 0%,#1d3d52 70%,var(--accent) 180%)}.areahero{background:linear-gradient(135deg,#1b3a2f,#14283b)}
.hero h1,.svchero h1,.areahero h1{color:#fff}.hero-grid{display:grid;grid-template-columns:1.05fr 1fr;gap:44px;align-items:center}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.8rem;font-weight:800;color:#f6a97a;margin-bottom:.6em}.lead{font-size:1.2rem;color:inherit}
.hero-art img,.thumb img{border-radius:16px;width:100%;aspect-ratio:3/2;object-fit:cover}.hero-art img{box-shadow:0 20px 50px rgba(0,0,0,.35)}
.checks,.ticks,.warn{list-style:none;padding:0;margin:20px 0}.checks li,.ticks li,.warn li{position:relative;padding-left:32px;margin-bottom:.6em}
.checks li:before,.ticks li:before{content:"";position:absolute;left:0;top:.35em;width:18px;height:18px;border-radius:50%;background:#2f9e5b url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M4 8.5l3 3 5-6' fill='none' stroke='white' stroke-width='2'/%3E%3C/svg%3E") center/14px no-repeat}
.warn li:before{content:"!";position:absolute;left:0;top:.15em;width:22px;height:22px;border-radius:50%;background:var(--accent);color:#fff;font-weight:800;text-align:center;line-height:22px;font-size:.85rem}
.strip{background:var(--sand);padding:18px 0}.strip-in p{margin:0;font-size:.95rem}
.head{max-width:720px;margin-bottom:34px}.head p{color:var(--muted)}.dark .head p{color:#b8c6d1}
.grid{display:grid;gap:26px}.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border-radius:16px;box-shadow:0 4px 16px rgba(20,40,59,.1);overflow:hidden;text-decoration:none;color:var(--ink);display:block;transition:transform .3s,box-shadow .3s}
a.card:hover{transform:translateY(-8px);box-shadow:var(--shadow)}.card .thumb{overflow:hidden}.card .thumb img{border-radius:0;transition:transform .6s}a.card:hover .thumb img{transform:scale(1.08)}
.pad{padding:20px 22px 24px}.pad h3,.pad h2{font-size:1.25rem}.pad p{color:var(--muted);font-size:.97rem}.more{font-weight:800;color:var(--accent)}.tag{font-size:.8rem;font-weight:800;text-transform:uppercase;letter-spacing:.08em;color:var(--accent)}
.svc{border-top:5px solid var(--accent)}.area .pad{padding:14px 18px}.area h3{margin:0}.area p{margin:0}
.chips2 span{display:inline-block;background:var(--sand);border-radius:99px;padding:3px 12px;font-size:.8rem;margin:0 6px 6px 0;color:var(--navy)}
.big .pad h2{font-size:1.5rem}.note{padding:26px;border-left:6px solid var(--accent)}.formcard{padding:26px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}.split.rev>div:first-child{order:0}.split img{border-radius:16px;box-shadow:var(--shadow)}
.subrow{display:grid;grid-template-columns:1fr 1.2fr;gap:36px;align-items:center;margin-bottom:44px}.subrow.flip .thumb{order:2}.subrow h3{font-size:1.5rem;color:var(--navy)}
.steps{list-style:none;padding:0;margin:0 0 30px;display:grid;grid-template-columns:repeat(5,1fr);gap:20px;counter-reset:s}.steps.four{grid-template-columns:repeat(4,1fr)}
.steps li{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.15);border-radius:14px;padding:22px;transition:transform .3s,background .3s}.steps li:hover{transform:translateY(-6px);background:rgba(255,255,255,.13)}
.alt .steps li{background:#fff;border-color:#e3ddd2;color:var(--ink)}.steps span{display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--rust);color:#fff;font-weight:800;margin-bottom:12px}.steps p{margin:0;font-size:.95rem}
.alt .steps h3{color:var(--navy)}.mini{padding-left:22px}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:26px}.chips a{padding:8px 16px;border-radius:99px;background:var(--sand);text-decoration:none;color:var(--navy);font-weight:650;transition:.2s}.chips a:hover{background:var(--navy);color:#fff}.chips .all{background:var(--rust);color:#fff}
.alt .chips a{background:#fff}.faq{border:1px solid #dfe5ea;border-radius:12px;margin-bottom:12px;background:#fff;transition:box-shadow .2s}.faq:hover{box-shadow:0 4px 14px rgba(20,40,59,.1)}
.faq summary{cursor:pointer;padding:16px 20px;font-weight:750;color:var(--navy);list-style:none}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";float:right;font-size:1.4rem;line-height:1}.faq[open] summary:after{content:"\2212"}.faq p{padding:0 20px 18px;margin:0;color:var(--muted)}
.pagehead{background:linear-gradient(135deg,#10222f,#1d3d52);color:#dbe4ea;padding:56px 0}.pagehead h1{color:#fff}
.band{background:linear-gradient(135deg,#9a3412,#c2410c);color:#fff}.band h2{color:#fff}.band-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:44px;align-items:center}.band .card{color:var(--ink)}
.qform label{display:block;font-weight:700;font-size:.9rem;margin:12px 0 4px;color:var(--navy)}.qform input,.qform select,.qform textarea{width:100%;padding:12px;border:1.5px solid #c3ccd3;border-radius:10px;font:inherit;background:#fff}
.qform input:focus,.qform select:focus,.qform textarea:focus{border-color:var(--rust);outline:none;box-shadow:0 0 0 3px rgba(194,65,12,.18)}.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}.qform .btn{margin-top:18px}.hp{display:none}.fine{font-size:.8rem;color:var(--muted);margin:12px 0 0}.fmsg{color:#b91c1c;margin:8px 0 0}
.article h2{margin-top:1.6em}.article .cover{margin-bottom:28px}.article .cover img{border-radius:16px;width:100%}.article .note{margin-top:36px}
.foot{background:#0d1b27;color:#aebccb;padding:56px 0 0;font-size:.95rem}.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1.2fr .8fr;gap:34px}.foot h3{color:#fff;font-size:1rem}.foot ul{list-style:none;padding:0;margin:0}.foot li{margin-bottom:.45em}.foot a{color:#c9d5df;text-decoration:none}.foot a:hover{color:#fff;text-decoration:underline}.foot .two{columns:2}.flogo{font-size:1.4rem;font-weight:800;color:#fff}
.copy{border-top:1px solid #21384a;margin-top:36px;padding-top:18px;padding-bottom:24px;font-size:.85rem}
.stick{display:none}.js .rv{opacity:0;transform:translateY(26px);transition:opacity .7s ease,transform .7s ease}.js .rv.in{opacity:1;transform:none}
.upd{font-size:.88rem;color:#b8c6d1;margin:-.4em 0 1.2em}.quick h2{font-size:1.3rem}.tblwrap{overflow-x:auto;margin-bottom:36px;border-radius:12px;box-shadow:0 4px 16px rgba(20,40,59,.1)}table{border-collapse:collapse;width:100%;background:#fff;min-width:480px}caption{text-align:left;font-weight:800;color:var(--navy);padding:14px 16px}th{background:var(--navy);color:#fff;text-align:left;padding:12px 16px}td{padding:12px 16px;border-top:1px solid #e3e8ec;vertical-align:top}td:first-child{font-weight:700;color:var(--navy);white-space:nowrap}tbody tr:hover{background:var(--sand)}
@media(max-width:1000px){.g4{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(2,1fr)}.steps,.steps.four{grid-template-columns:repeat(2,1fr)}.fgrid{grid-template-columns:1fr 1fr}
.menu-toggle{display:block}.menu{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;flex-direction:column;align-items:stretch;padding:10px 20px 20px;box-shadow:var(--shadow);max-height:80vh;overflow:auto}.menu.open{display:flex}
.sub{display:block;position:static;box-shadow:none;border-top:0;padding:0 0 0 14px;min-width:0}.sub a{font-size:.92rem;padding:6px 12px}.menu .btn{margin:8px 0 0;text-align:center}}
@media(max-width:760px){body{padding-bottom:70px}section{padding:48px 0}.hero-grid,.split,.band-grid,.subrow{grid-template-columns:1fr;gap:26px}.g2,.g3,.g4,.row2{grid-template-columns:1fr}.subrow.flip .thumb{order:0}.steps,.steps.four{grid-template-columns:1fr}.fgrid{grid-template-columns:1fr}
.stick{display:flex;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:60;background:#fff;padding:10px;box-shadow:0 -4px 18px rgba(0,0,0,.18)}.stick .btn{flex:1;text-align:center;padding:12px}.topbar span{display:none}}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.js .rv{opacity:1;transform:none}html{scroll-behavior:auto}}