:root{--ink:#14202b;--muted:#4a5966;--bg:#ffffff;--soft:#f2f6f9;--brand:#0b5d8f;--brand-dark:#084769;--accent:#f2a900;--line:#dbe3ea;--max:1080px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--brand)}
img{max-width:100%;height:auto}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
header.top{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:5}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px;flex-wrap:wrap}
.logo{font-weight:800;font-size:1.15rem;color:var(--ink);text-decoration:none;letter-spacing:-.01em}
.logo span{color:var(--brand)}
nav.main{display:flex;gap:18px;flex-wrap:wrap;font-size:.95rem}
nav.main a{color:var(--muted);text-decoration:none}
nav.main a:hover{color:var(--brand)}
.btn{display:inline-block;background:var(--accent);color:#1b1300;font-weight:700;text-decoration:none;padding:12px 20px;border-radius:8px;white-space:nowrap}
.btn:hover{filter:brightness(.95)}
.btn.alt{background:var(--brand);color:#fff}
.hero{background:linear-gradient(135deg,var(--brand-dark),var(--brand));color:#fff;padding:64px 0 56px}
.hero h1{font-size:clamp(1.8rem,4vw,2.6rem);line-height:1.2;margin:0 0 14px;letter-spacing:-.02em}
.hero p{font-size:1.1rem;max-width:640px;margin:0 0 24px;color:#e3eef6}
.hero .actions{display:flex;gap:12px;flex-wrap:wrap}
section{padding:52px 0}
section.soft{background:var(--soft)}
h2{font-size:clamp(1.4rem,3vw,1.85rem);line-height:1.25;margin:0 0 14px;letter-spacing:-.01em}
h3{font-size:1.15rem;margin:0 0 8px}
.grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px}
.card a.more{font-weight:600;text-decoration:none}
ul.checks{padding-left:0;list-style:none}
ul.checks li{padding-left:28px;position:relative;margin:8px 0}
ul.checks li:before{content:"✓";position:absolute;left:0;color:var(--brand);font-weight:800}
ol.steps{padding-left:22px}
ol.steps li{margin:10px 0}
.cta-band{background:var(--brand-dark);color:#fff;text-align:center;padding:44px 0}
.cta-band p{color:#d6e6f1;margin:0 0 18px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:14px 18px;margin:10px 0}
.faq summary{font-weight:600;cursor:pointer}
.crumbs{font-size:.9rem;color:var(--muted);padding:14px 0 0}
.crumbs a{color:var(--muted)}
.prose{max-width:760px}
footer{background:#0f1a23;color:#b8c6d1;padding:40px 0 28px;font-size:.92rem}
footer a{color:#dbe7f0}
footer .cols{display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
footer .disclose{border-top:1px solid #24323e;margin-top:26px;padding-top:18px;font-size:.85rem;color:#8fa2b1}
.callbar{display:none}
@media (max-width:700px){
  nav.main{display:none}
  .callbar{display:block;position:fixed;bottom:0;left:0;right:0;background:var(--accent);text-align:center;padding:14px;font-weight:800;z-index:9}
  .callbar a{color:#1b1300;text-decoration:none}
  body{padding-bottom:56px}
}