:root{--navy:#10263c;--blue:#1663a8;--sky:#eaf3fb;--accent:#f5a623;--ink:#22303e;
--mut:#5c6b7a;--line:#dbe5ef;--card:#fff;--max:1100px;--rad:12px}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
color:var(--ink);line-height:1.65;font-size:17px;background:#fff}
img{max-width:100%;height:auto}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
h1,h2,h3{color:var(--navy);line-height:1.25;margin:0 0 .6em}
h1{font-size:clamp(1.9rem,4.5vw,2.8rem)}
h2{font-size:clamp(1.45rem,3.4vw,2rem);margin-top:2.2em}
h3{font-size:1.2rem;margin-top:1.5em}
p{margin:0 0 1em}
ul,ol{margin:0 0 1.2em 1.3em}
/* header */
.site-header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50}
.topbar{display:flex;align-items:center;justify-content:space-between;padding:12px 0;gap:12px}
.brand{font-weight:800;font-size:1.25rem;color:#fff;letter-spacing:.2px}
.brand span{color:var(--accent)}
.tagline{font-size:.8rem;color:#bcd2e8;display:block;font-weight:400}
nav.main{display:flex;gap:2px;align-items:center}
nav.main a{color:#dcebf9;padding:10px 12px;border-radius:8px;font-size:.95rem;font-weight:600;white-space:nowrap}
nav.main a:hover{background:rgba(255,255,255,.12);text-decoration:none}
.btn{display:inline-block;background:var(--accent);color:#1c1c1c;font-weight:800;
padding:13px 26px;border-radius:10px;border:0;cursor:pointer;font-size:1.02rem;text-align:center}
.btn:hover{background:#e08d12;text-decoration:none}
.btn-blue{background:var(--blue);color:#fff}
.btn-blue:hover{background:#124f88}
.menu-toggle{display:none;background:none;border:0;color:#fff;font-size:1.6rem;cursor:pointer}
/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,#17456f 70%,#1f5a8f 100%);color:#fff;padding:64px 0}
.hero h1{color:#fff}
.hero p.lead{font-size:1.15rem;color:#d7e7f7;max-width:34em}
.hero-cta{margin-top:22px;display:flex;gap:12px;flex-wrap:wrap}
.trust-row{display:flex;gap:26px;margin-top:28px;flex-wrap:wrap;font-size:.95rem;color:#cfe2f5}
.trust-row strong{color:#fff}
/* sections */
section{padding:44px 0}
.alt{background:var(--sky)}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--rad);
padding:26px;margin:0 0 22px;box-shadow:0 2px 10px rgba(16,38,60,.05)}
.grid{display:grid;gap:20px}
.grid-2{grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}
.grid-3{grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.badge{display:inline-block;background:#e2f0e4;color:#1d6b2a;font-weight:700;font-size:.82rem;
padding:5px 12px;border-radius:999px;margin-bottom:10px}
/* tables */
table{width:100%;border-collapse:collapse;margin:0 0 1.4em;font-size:.98rem}
caption{caption-side:bottom;text-align:left;color:var(--mut);font-size:.85rem;padding-top:8px}
th,td{border:1px solid var(--line);padding:12px 14px;text-align:left;vertical-align:top}
th{background:var(--navy);color:#fff;font-weight:700}
tr:nth-child(even) td{background:#f7fafd}
/* form */
.quote{background:#fff;border:2px solid var(--accent);border-radius:var(--rad);padding:30px;box-shadow:0 4px 22px rgba(16,38,60,.08)}
.quote h2{margin-top:0}
.form-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px}
.field{margin-bottom:14px}
.field.full{grid-column:1/-1}
label{display:block;font-weight:700;font-size:.92rem;margin-bottom:6px;color:var(--navy)}
input,select,textarea{width:100%;padding:12px;border:1.5px solid #b9c9d9;border-radius:8px;font-size:1rem;font-family:inherit}
input:focus,select,textarea:focus,textarea:focus{outline:2px solid var(--blue);border-color:var(--blue)}
.error{color:#b3261e;font-size:.85rem;min-height:1.2em}
.honey{position:absolute;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden}
/* faq */
.faq details{border:1px solid var(--line);border-radius:10px;margin-bottom:12px;background:#fff}
.faq summary{padding:16px 18px;font-weight:700;color:var(--navy);cursor:pointer;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::before{content:"+ ";color:var(--accent);font-weight:800}
.faq details[open] summary::before{content:"– "}
.faq .answer{padding:0 18px 18px;color:var(--ink)}
/* footer */
footer{background:var(--navy);color:#cfe0f2;padding:44px 0 30px;font-size:.94rem}
footer h3{color:#fff;font-size:1rem;margin-top:0}
footer a{color:#cfe0f2}
.foot-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:28px}
.foot-bottom{border-top:1px solid rgba(255,255,255,.15);margin-top:30px;padding-top:18px;
font-size:.82rem;color:#9db6cf;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}
.breadcrumb{font-size:.88rem;color:var(--mut);margin:18px 0 0}
.breadcrumb a{color:var(--blue)}
.cta-band{background:var(--accent);color:#202020;padding:34px 0;text-align:center}
.cta-band h2{color:#202020;margin:0 0 .4em}
@media(max-width:860px){nav.main{display:none;position:absolute;top:100%;left:0;right:0;
background:var(--navy);flex-direction:column;align-items:stretch;padding:10px 20px 20px}
nav.main.open{display:flex}.menu-toggle{display:block}.tagline{display:none}}