:root{--navy:#0f2a47;--navy2:#16385d;--teal:#087f8c;--teal-l:#48c9c4;--ink:#182433;--dim:#5b6b7d;--bg:#fff;--alt:#f3f7fa;--line:#dbe4ec;--r:14px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:16px/1.6 Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--bg)}
img{max-width:100%}a{color:var(--teal)}h1,h2,h3{line-height:1.2;margin:0 0 .5em;color:var(--navy);letter-spacing:-.01em}h1{font-size:clamp(2rem,4.6vw,3.2rem);font-weight:800}h2{font-size:clamp(1.5rem,3vw,2.1rem);font-weight:700}h3{font-size:1.2rem;font-weight:700}p{margin:0 0 1em}
.container{width:min(1140px,100% - 32px);margin:0 auto}.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:100}.skip:focus{left:8px;top:8px}
:focus-visible{outline:3px solid var(--teal-l);outline-offset:2px}
.topbar{background:var(--navy);color:#cfe0ee;font-size:13px}.topbar .container{display:flex;justify-content:space-between;gap:16px;padding:8px 0;flex-wrap:wrap}.topbar a{color:#fff;font-weight:600;text-decoration:none}
.nav{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:68px}
.logo{font-weight:800;font-size:1.5rem;color:var(--navy);text-decoration:none;display:flex;align-items:baseline;gap:2px;flex-wrap:wrap}.logo span{color:var(--teal)}.logo small{font-size:.58rem;letter-spacing:.18em;color:var(--dim);margin-left:8px;font-weight:600}.logo.light{color:#fff}.logo.light span{color:var(--teal-l)}.logo.light small{color:#a9bfd2}
.links{display:flex;align-items:center;gap:22px}.links a{color:var(--ink);text-decoration:none;font-weight:500;font-size:.95rem}.links a:hover,.links a[aria-current]{color:var(--teal)}.links a.btn{color:#fff}
.menu{display:none;background:none;border:1px solid var(--line);border-radius:8px;font-size:1.3rem;padding:4px 10px;cursor:pointer}
.btn{display:inline-block;background:var(--teal);color:#fff;border:2px solid var(--teal);padding:11px 22px;border-radius:999px;font-weight:600;text-decoration:none;cursor:pointer;font:inherit;font-weight:600;font-size:.95rem}.btn:hover{background:#066a75;border-color:#066a75}
.btn.outline{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}.btn.outline:hover{background:rgba(255,255,255,.12)}.btn.outline.dark{color:var(--teal);border-color:var(--teal)}.btn.outline.dark:hover{background:var(--alt)}.btn.light{background:#fff;color:var(--navy);border-color:#fff}.btn.light:hover{background:#e8f3f6}
.hero{background:linear-gradient(135deg,var(--navy),var(--navy2) 60%,#0d5163);color:#fff;padding:72px 0}.hero h1{color:#fff}.hero p{color:#d3e2ee;font-size:1.1rem;max-width:58ch}.hero-inner{display:grid;grid-template-columns:1.2fr .8fr;gap:48px;align-items:center}
.eyebrow{display:block;text-transform:uppercase;letter-spacing:.14em;font-size:.75rem;font-weight:700;color:var(--teal);margin-bottom:12px}.hero .eyebrow,.page-hero .eyebrow,.dark .eyebrow{color:var(--teal-l)}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.visual-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);border-radius:20px;padding:24px}.visual-top{display:flex;justify-content:space-between;gap:8px;font-size:.85rem;color:#cfe0ee;margin-bottom:16px;flex-wrap:wrap}.status{display:flex;align-items:center;gap:6px}.dot{width:8px;height:8px;border-radius:50%;background:#48e0a4;display:inline-block}
.visual-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.v-item{background:rgba(255,255,255,.08);border-radius:12px;padding:14px}.v-item strong{display:block;font-size:1.5rem;color:#fff}.v-item span{font-size:.8rem;color:#cfe0ee}.fine{font-size:.8rem;margin:16px 0 0;color:#b7cde0!important}.fine.dim{color:var(--dim)!important}
.page-hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:56px 0}.page-hero h1{color:#fff}.page-hero p{color:#d3e2ee;font-size:1.1rem;max-width:62ch}
.section{padding:64px 0}.section.alt{background:var(--alt)}.section.dark{background:var(--navy);color:#cfe0ee}.section.dark h2,.section.dark h3{color:#fff}.section.dark .card{background:rgba(255,255,255,.07);border-color:rgba(255,255,255,.15)}.section.dark .card p{color:#cfe0ee}.section.dark .text-link{color:var(--teal-l)}
.section-head{max-width:760px;margin-bottom:32px}.narrow{max-width:820px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.grid.two{grid-template-columns:repeat(2,1fr)}.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}.split.top{align-items:start}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px}.card.feature{border-top:4px solid var(--teal)}.card p{color:var(--dim)}
.tag{display:inline-block;background:#e0f3f4;color:#066a75;font-size:.7rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:4px 10px;border-radius:999px;margin-bottom:12px}.section.dark .tag{background:rgba(72,201,196,.18);color:var(--teal-l)}
.text-link{font-weight:600;text-decoration:none}.text-link:hover{text-decoration:underline}
.bullet{padding-left:0;list-style:none;margin:0 0 18px}.bullet li{position:relative;padding-left:26px;margin:8px 0}.bullet li:before{content:"";position:absolute;left:0;top:.55em;width:12px;height:7px;border-left:2px solid var(--teal);border-bottom:2px solid var(--teal);transform:rotate(-45deg) translateY(-3px)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px}.number{display:block;color:var(--teal);font-weight:800;font-size:1.4rem;margin-bottom:6px}.step p{color:var(--dim);margin:0}
.tags{display:flex;flex-wrap:wrap;gap:8px}.tags.center{justify-content:center}.chip{background:var(--alt);border:1px solid var(--line);border-radius:999px;padding:6px 14px;font-size:.88rem;font-weight:500}
.cta{background:linear-gradient(135deg,var(--teal),#0d5163);color:#fff;border-radius:22px;padding:40px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}.cta h2{color:#fff;margin-bottom:6px}.cta p{margin:0;color:#e3f4f5}
.faq details{border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin-bottom:10px;background:#fff}.faq summary{cursor:pointer;font-weight:600;color:var(--navy)}.faq p{margin:10px 0 0;color:var(--dim)}
.table-wrap{overflow-x:auto}.table{width:100%;border-collapse:collapse;background:#fff}.table th,.table td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}.table th{background:var(--alt);font-size:.85rem}.table.wide{min-width:640px}.table tfoot td{border-top:2px solid var(--navy);border-bottom:0}.dim{color:var(--dim);font-size:.9rem;font-weight:400}
.check-group{margin-bottom:28px}.checks{list-style:none;padding:0;margin:0}.checks li{border:1px solid var(--line);border-radius:10px;margin:8px 0;background:#fff}.checks label{display:flex;gap:12px;padding:12px 14px;cursor:pointer;align-items:flex-start}.checks input{margin-top:5px;width:18px;height:18px;accent-color:var(--teal)}
.progress{background:var(--alt);border-radius:10px;padding:12px 16px;margin-bottom:24px;position:sticky;top:76px;z-index:5;border:1px solid var(--line)}.note{background:#fff8e6;border:1px solid #f0d98b;border-radius:10px;padding:14px 16px;margin-top:28px;font-size:.92rem}
select.score{padding:8px;border-radius:8px;border:1px solid var(--line);font:inherit}
.prose h2{margin-top:1.6em;font-size:1.3rem}
.contact-list{list-style:none;padding:0;margin:20px 0 0}.contact-list li{margin-bottom:18px}
.form{display:grid;gap:14px}.field label{display:block;font-weight:600;font-size:.9rem;margin-bottom:4px}.field input,.field select,.field textarea{width:100%;padding:11px 12px;border:1px solid #b8c6d3;border-radius:10px;font:inherit}.field textarea{min-height:120px}
.chk{display:flex;gap:10px;font-size:.88rem;align-items:flex-start}.chk input{margin-top:4px}.hp{position:absolute;left:-9999px;opacity:0;height:0;width:0}
.msg{padding:12px 14px;border-radius:10px;font-size:.92rem}.msg.ok{background:#e4f6ec;color:#14532d}.msg.err{background:#fde8e8;color:#7f1d1d}[hidden]{display:none!important}
.crumbs{font-size:.85rem;margin-bottom:12px}
.footer{background:var(--navy);color:#a9bfd2;padding:56px 0 24px}.footer a{display:block;color:#cfe0ee;text-decoration:none;margin:6px 0;font-size:.92rem}.footer a:hover{color:#fff}.footer h4{color:#fff;margin:0 0 10px;font-size:.95rem}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}.footer p{font-size:.92rem}.footer-bottom{border-top:1px solid rgba(255,255,255,.14);margin-top:32px;padding-top:18px;font-size:.8rem}
@media(max-width:900px){.hero-inner,.split,.grid,.grid.two,.steps,.footer-grid{grid-template-columns:1fr}.hero{padding:48px 0}.section{padding:44px 0}.menu{display:block}.links{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;flex-direction:column;align-items:flex-start;padding:16px;border-bottom:1px solid var(--line)}.links.open{display:flex}.nav-inner{position:relative}.cta{padding:28px}}
@media print{.topbar,.nav,.footer,.cta,.actions,.progress{display:none!important}.page-hero{background:#fff;color:#000;padding:0}.page-hero h1,.page-hero p{color:#000}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}