:root{--navy:#0f2a47;--navy2:#173a5e;--orange:#e8801a;--orange-d:#c96a0d;--teal:#1aa3b8;--cream:#fbf7f1;--sky:#eef6f8;--ink:#1c2733;--muted:#5b6776;--line:#e6e1d8;--r:14px;--sh:0 10px 30px rgba(15,42,71,.10)}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;font-family:var(--font,system-ui,sans-serif);font-size:17px;line-height:1.65;color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;height:auto}
a{color:var(--navy2)}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:0 0 .5em;font-weight:800}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px 12px;z-index:9999}
.hp{position:absolute;left:-9999px;opacity:0;height:0;overflow:hidden}
/* header */
.hdr{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
.admin-bar .hdr{top:32px}
.hdr-in{display:flex;align-items:center;justify-content:space-between;height:70px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-size:23px;font-weight:800}
.logo-t b{color:var(--orange)}.logo-w{color:#fff}.logo-w b{color:var(--orange)}
.nav{display:flex;align-items:center;gap:26px}
.nav a{text-decoration:none;color:var(--ink);font-weight:700;font-size:15.5px}
.nav a:hover{color:var(--orange-d)}
.nav .nav-cta{color:#fff}
.burger{display:none;background:none;border:0;padding:8px;cursor:pointer}
.burger span{display:block;width:26px;height:3px;background:var(--navy);margin:5px 0;border-radius:2px}
/* buttons */
.btn{display:inline-block;border:0;border-radius:999px;padding:12px 24px;font:800 16px/1.2 var(--font,sans-serif);cursor:pointer;text-decoration:none;text-align:center;transition:transform .15s,background .15s}
.btn-o{background:var(--orange);color:#fff}.btn-o:hover{background:var(--orange-d);transform:translateY(-1px)}
.btn-w{background:#fff;color:var(--navy)}.btn-w:hover{transform:translateY(-1px)}
.btn-lg{padding:16px 30px;font-size:18px}
/* hero */
.hero{background:linear-gradient(180deg,var(--sky) 0%,var(--cream) 100%);padding:56px 0 64px}
.hero-in{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.eyebrow{color:var(--orange-d);font-weight:800;text-transform:uppercase;letter-spacing:.08em;font-size:13.5px;margin:0 0 10px}
.eyebrow.c{text-align:center}
.hero h1{font-size:clamp(34px,4.6vw,54px);letter-spacing:-.02em}
.lead{font-size:20px;color:var(--muted);margin:0 0 18px;max-width:560px}
.ticks{list-style:none;margin:0 0 22px;padding:0}
.ticks li{position:relative;padding-left:32px;margin:8px 0;font-weight:700}
.ticks li::before{content:"";position:absolute;left:0;top:3px;width:22px;height:22px;border-radius:50%;background:var(--teal) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5 9-10'/%3E%3C/svg%3E") center/14px no-repeat}
.hero-art{max-width:460px;margin-top:6px}
.card{background:#fff;border-radius:var(--r);box-shadow:var(--sh);padding:28px;border:1px solid var(--line)}
.card h2{font-size:26px;margin-bottom:4px}.sub{margin:0 0 16px;color:var(--muted)}
/* form */
.lf-row{margin-bottom:12px}.lf-two{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.lead-form label{display:block;font-weight:700;font-size:14.5px;margin-bottom:4px}
.opt{font-weight:400;color:var(--muted)}
.lead-form input,.lead-form select{width:100%;padding:13px 14px;border:1.5px solid #cfd8e0;border-radius:10px;font:inherit;background:#fff;color:var(--ink)}
.lead-form input:focus,.lead-form select:focus{outline:3px solid rgba(26,163,184,.3);border-color:var(--teal)}
.lead-form .btn{width:100%;margin-top:6px}
.lf-note{font-size:13px;color:var(--muted);margin:10px 0 0}
.lf-msg{margin:10px 0 0;font-weight:700}.lf-msg.ok{color:#17803d}.lf-msg.err{color:#b42318}
/* sections */
.strip{background:var(--navy);color:#fff}
.strip-in{display:grid;grid-template-columns:repeat(5,1fr);gap:8px;padding:20px 24px;text-align:center}
.strip-in b{display:block;font-size:16px}.strip-in span{font-size:13.5px;opacity:.8}
.sec{padding:76px 0}.sec.alt{background:var(--cream)}
.h{font-size:clamp(28px,3.4vw,40px);letter-spacing:-.01em}.h.c,.c{text-align:center}.h.small{font-size:26px}
.muted{color:var(--muted)}.narrow{max-width:640px;margin:0 auto 24px}.narrow-w{max-width:820px}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin:36px 0}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;box-shadow:var(--sh)}
.n{display:inline-grid;place-items:center;width:44px;height:44px;border-radius:50%;background:var(--orange);color:#fff;font-weight:800;font-size:20px;margin-bottom:12px}
.step h3{font-size:21px}.step p{margin:0;color:var(--muted)}
.tbl-w{overflow-x:auto;margin:28px 0 12px}
.tbl{width:100%;border-collapse:collapse;background:#fff;border-radius:var(--r);overflow:hidden;box-shadow:var(--sh)}
.tbl th,.tbl td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.tbl thead th{background:var(--navy);color:#fff}.tbl thead th:nth-child(2){background:var(--orange)}
.tbl td:first-child{font-weight:800;color:var(--navy)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:32px}
.tile{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;text-decoration:none;color:var(--ink);transition:transform .15s,box-shadow .15s}
.tile:hover{transform:translateY(-3px);box-shadow:var(--sh)}
.tile h3{font-size:20px;margin-bottom:6px}.tile p{margin:0 0 10px;color:var(--muted);font-size:16px}
.more{color:var(--orange-d);font-weight:800}
.chips{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;margin-top:22px}
.chips a{background:#fff;border:1.5px solid var(--line);padding:10px 18px;border-radius:999px;text-decoration:none;font-weight:700;color:var(--navy)}
.chips a:hover{border-color:var(--orange);color:var(--orange-d)}
.faq{margin-top:28px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0 20px;margin-bottom:12px}
.faq summary{cursor:pointer;font-weight:800;color:var(--navy);padding:18px 0;list-style:none;position:relative;padding-right:30px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:14px;font-size:26px;color:var(--orange)}
.faq details[open] summary::after{content:"\2212"}
.faq details p{margin:0 0 18px;color:var(--muted)}
.cta{background:linear-gradient(120deg,var(--navy),var(--navy2));color:#fff;padding:56px 0}
.cta-in{display:flex;gap:24px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.cta h2{color:#fff;margin-bottom:6px}.cta p{margin:0;opacity:.9}
/* inner pages */
.phero{background:linear-gradient(180deg,var(--sky),var(--cream));padding:48px 0 36px;border-bottom:1px solid var(--line)}
.phero h1{font-size:clamp(30px,4vw,44px);max-width:880px;margin:6px 0 0}
.crumbs{font-size:14.5px;color:var(--muted)}.crumbs a{color:var(--muted)}.crumbs span{margin:0 4px}
.meta,.lead-s{color:var(--muted);margin:8px 0 0}
.two{display:grid;grid-template-columns:minmax(0,1fr) 380px;gap:48px;align-items:start}
.prose{font-size:18px}.prose h2{font-size:28px;margin-top:1.6em}.prose h3{font-size:20px;margin-top:1.3em}
.prose ul{padding-left:22px}.prose li{margin:6px 0}
.prose p a,.prose li a{font-weight:700}
.sticky{position:sticky;top:96px}
.side .card{padding:24px}
/* footer */
.ftr{background:#0b2036;color:#cfd8e2;padding:56px 0 0}
.ftr-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:32px}
.ftr a{color:#cfd8e2;text-decoration:none}.ftr a:hover{color:#fff;text-decoration:underline}
.ftr ul{list-style:none;margin:0;padding:0}.ftr li{margin:7px 0;font-size:15.5px}
.fh{color:#fff;font-size:15px;text-transform:uppercase;letter-spacing:.08em;margin-bottom:12px}
.ftr-about{font-size:15.5px;margin-top:10px}
.ftr-legal{border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding-top:20px;padding-bottom:28px;font-size:13px;line-height:1.6;color:#aab6c3}
/* chat */
.chat-btn{position:fixed;right:20px;bottom:20px;z-index:60;display:flex;align-items:center;gap:10px;background:var(--orange);color:#fff;border:0;border-radius:999px;padding:14px 20px;font:800 16px var(--font,sans-serif);box-shadow:0 8px 24px rgba(232,128,26,.45);cursor:pointer}
.chat-btn:hover{background:var(--orange-d)}
.chat{position:fixed;right:20px;bottom:20px;z-index:70;width:370px;max-width:calc(100vw - 24px);height:520px;max-height:calc(100vh - 40px);background:#fff;border-radius:18px;box-shadow:0 20px 60px rgba(15,42,71,.28);display:flex;flex-direction:column;overflow:hidden}
.chat[hidden]{display:none}
.chat-h{background:var(--navy);color:#fff;padding:14px 16px;display:flex;justify-content:space-between;align-items:center}
.chat-h small{display:block;opacity:.8}.chat-h button{background:none;border:0;color:#fff;font-size:28px;cursor:pointer;line-height:1}
.chat-m{flex:1;overflow-y:auto;padding:14px;background:var(--cream)}
.m{max-width:85%;padding:10px 14px;border-radius:14px;margin:0 0 10px;font-size:15.5px;line-height:1.45;white-space:pre-wrap}
.m.b{background:#fff;border:1px solid var(--line)}.m.u{background:var(--navy);color:#fff;margin-left:auto}
.chat-q{display:flex;flex-wrap:wrap;gap:8px;padding:8px 12px;background:var(--cream)}
.chat-q button{background:#fff;border:1.5px solid var(--orange);color:var(--orange-d);border-radius:999px;padding:7px 12px;font:700 13.5px var(--font,sans-serif);cursor:pointer}
.chat-f{display:flex;gap:8px;padding:10px;border-top:1px solid var(--line)}
.chat-f input{flex:1;padding:11px 12px;border:1.5px solid #cfd8e0;border-radius:10px;font:inherit}
.chat-f button{background:var(--orange);color:#fff;border:0;border-radius:10px;padding:0 16px;font:800 15px var(--font,sans-serif);cursor:pointer}
/* responsive */
@media(max-width:900px){
 .hero-in,.two{grid-template-columns:1fr}.sticky{position:static}
 .steps,.grid3{grid-template-columns:1fr}.strip-in{grid-template-columns:repeat(2,1fr)}
 .ftr-grid{grid-template-columns:1fr 1fr}
 .burger{display:block}
 .nav{display:none;position:absolute;left:0;right:0;top:70px;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:12px 24px 20px;border-bottom:1px solid var(--line);box-shadow:var(--sh)}
 .nav.open{display:flex}.nav a{padding:12px 0}.nav .nav-cta{text-align:center;margin-top:8px}
 .sec{padding:56px 0}.hero{padding:36px 0 44px}.hero-art{display:none}
}
@media(max-width:560px){.lf-two{grid-template-columns:1fr}.ftr-grid{grid-template-columns:1fr}.chat-lbl{display:none}.chat-btn{padding:14px}.cta-in{text-align:center;justify-content:center}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}

.lead-form textarea{width:100%;font:inherit;padding:12px 14px;border:1px solid #cfd8e3;border-radius:12px;background:#fff;resize:vertical;min-height:84px;box-sizing:border-box}.lead-form textarea:focus{outline:2px solid #1aa3b8;border-color:#1aa3b8}