:root{--navy:#0b2340;--navy2:#13365f;--green:#12805c;--green2:#0e6a4c;--ink:#1c2533;--muted:#5b6778;--line:#e3e8ef;--bg:#f6f8fb;--radius:12px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);line-height:1.65;font-size:17px;background:#fff}
a{color:var(--green2)}a:hover{color:var(--green)}
h1,h2,h3,h4{color:var(--navy);line-height:1.25;letter-spacing:-.01em}
h1{font-size:clamp(1.9rem,4vw,2.6rem);margin:.2em 0 .5em}h2{font-size:1.5rem;margin:1.8em 0 .6em}h3{font-size:1.12rem;margin:.2em 0 .4em}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:68px}
.logo{font-weight:800;font-size:1.2rem;color:var(--navy);text-decoration:none;letter-spacing:-.02em;margin:0}.logo span{color:var(--green)}
.menu{display:flex;align-items:center;gap:26px}.menu a{color:var(--ink);text-decoration:none;font-size:.95rem;font-weight:500}
.menu a:hover,.menu a[aria-current]{color:var(--green)}.menu .btn{color:#fff}
.navtoggle{display:none!important}.burger{display:none;cursor:pointer;width:40px;height:40px;position:relative}
.burger span,.burger span:before,.burger span:after{position:absolute;left:9px;width:22px;height:2px;background:var(--navy);content:"";transition:.2s}
.burger span{top:19px}.burger span:before{top:-7px;left:0}.burger span:after{top:7px;left:0}
@media(max-width:860px){.burger{display:block}.menu{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:8px 24px 20px;border-bottom:1px solid var(--line);box-shadow:0 12px 24px rgba(11,35,64,.08)}
.menu a{padding:12px 0;border-bottom:1px solid var(--line)}.menu .btn{margin-top:14px;text-align:center;border:0}.navtoggle:checked~.menu{display:flex}}
/* buttons */
.btn{display:inline-block;background:var(--green);color:#fff;padding:13px 24px;border-radius:10px;text-decoration:none;font-weight:600;border:0;cursor:pointer;font:inherit;font-weight:600;line-height:1.2;transition:background .15s,transform .15s;margin:4px 6px 4px 0}
.btn:hover{background:var(--green2);color:#fff;transform:translateY(-1px)}.btn-sm{padding:9px 16px;font-size:.92rem;margin:0}
.btn-ghost{background:transparent;color:#fff;box-shadow:inset 0 0 0 1.5px rgba(255,255,255,.6)}.btn-ghost:hover{background:rgba(255,255,255,.1)}
/* hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,#1f5a8f 0,transparent 60%),linear-gradient(160deg,var(--navy),var(--navy2));color:#dfe8f3;padding:84px 0 92px}
.hero h1{color:#fff;font-size:clamp(2.1rem,5vw,3.2rem);max-width:15ch}.hero .lead{font-size:1.15rem;max-width:56ch;color:#cfdced}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:700;color:#7fd6b3;margin:0}
.hero-grid{display:grid;grid-template-columns:1.4fr 1fr;gap:48px;align-items:center}
.hero-card{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.15);border-radius:var(--radius);padding:28px}.hero-card h3{color:#fff}
.checks{list-style:none;padding:0;margin:0}.checks li{padding:8px 0 8px 30px;position:relative}.checks li:before{content:"✓";position:absolute;left:0;color:#7fd6b3;font-weight:800}
@media(max-width:860px){.hero{padding:56px 0 64px}.hero-grid{grid-template-columns:1fr;gap:28px}}
.home section{padding:64px 0}.home .band{background:var(--bg)}.home h2{margin-top:0}
/* cards & grid */
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px;margin:18px 0}
.card{border:1px solid var(--line);border-radius:var(--radius);padding:22px 24px;background:#fff;box-shadow:0 1px 2px rgba(11,35,64,.04)}
.card p:last-child{margin-bottom:0}.card.link{text-decoration:none;color:var(--ink);transition:box-shadow .15s,border-color .15s,transform .15s}
.card.link:hover{border-color:#b9d9cb;box-shadow:0 8px 24px rgba(11,35,64,.08);transform:translateY(-2px)}
.article .grid .card{padding:12px 16px}.article .grid{grid-template-columns:repeat(auto-fill,minmax(170px,1fr));gap:10px}
.steps{counter-reset:s;list-style:none;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:18px}
.steps li{counter-increment:s;background:var(--bg);border-radius:var(--radius);padding:22px}.steps li:before{content:counter(s);display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--green);color:#fff;font-weight:700;margin-bottom:10px}
.cta{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;background:var(--navy);color:#cfdced;border-radius:var(--radius);padding:28px 32px;margin-top:40px}.cta h3{color:#fff;margin:0}.cta p{margin:.3em 0}
/* article */
main.article{max-width:800px;padding-top:36px;padding-bottom:64px}
main.article>p:first-child{font-size:.88rem;color:var(--muted)}main.article>p:first-child a{color:var(--muted)}
main.article .card{background:var(--bg);border:0;margin:22px 0}
main.article .card .btn{margin-top:6px}
ul,ol{padding-left:1.3em}li{margin:.3em 0}
table{width:100%;border-collapse:collapse;margin:18px 0;font-size:.93rem;display:block;overflow-x:auto}
th,td{text-align:left;padding:11px 14px;border-bottom:1px solid var(--line);vertical-align:top}th{background:var(--navy);color:#fff;font-weight:600}
tr:nth-child(even) td{background:var(--bg)}td:first-child{font-weight:600;color:var(--navy)}
details{border:1px solid var(--line);border-radius:10px;margin:10px 0;padding:0 18px;background:#fff}
summary{cursor:pointer;padding:15px 28px 15px 0;list-style:none;position:relative;font-weight:600;color:var(--navy)}summary::-webkit-details-marker{display:none}
summary:after{content:"+";position:absolute;right:0;top:12px;font-size:1.3rem;color:var(--green)}details[open] summary:after{content:"–"}details>p{margin-top:0;padding-bottom:12px}
.ph{color:var(--muted);font-size:.85rem;border-left:3px solid var(--line);padding:2px 0 2px 12px;margin:10px 0}
.nv{font-size:.92rem;color:var(--muted);background:var(--bg);border-radius:8px;padding:12px 16px}.nv strong{color:var(--ink);font-weight:600}
/* forms */
form{display:grid;grid-template-columns:1fr 1fr;gap:16px 20px;background:var(--bg);border:1px solid var(--line);border-radius:var(--radius);padding:28px;margin:24px 0}
form .full{grid-column:1/-1}label{font-weight:600;font-size:.9rem;color:var(--navy);display:block}
input,select,textarea{display:block;width:100%;margin-top:6px;padding:11px 12px;border:1px solid #c8d1dc;border-radius:8px;font:inherit;font-size:1rem;background:#fff;color:var(--ink);max-width:100%}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--green);box-shadow:0 0 0 3px rgba(18,128,92,.15)}
input[type=checkbox]{display:inline;width:auto;margin:0 8px 0 0}
#out{font-size:1.05rem}#out:empty{display:none}
@media(max-width:640px){form{grid-template-columns:1fr;padding:20px}body{font-size:16px}.cta{padding:22px}}
/* footer */
.site-footer{background:var(--navy);color:#a9bad0;font-size:.92rem;padding:52px 0 0}.site-footer .logo{color:#fff}
.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:36px}.site-footer h4{color:#fff;margin:0 0 10px;font-size:.95rem}
.site-footer a{display:block;color:#a9bad0;text-decoration:none;padding:3px 0}.site-footer a:hover{color:#fff}
.legal{border-top:1px solid rgba(255,255,255,.1);margin-top:36px;padding:18px 24px;font-size:.82rem}
@media(max-width:760px){.fgrid{grid-template-columns:1fr 1fr}.fgrid>div:first-child{grid-column:1/-1}}
.ph a,.nv a{overflow-wrap:anywhere}
.lead{font-size:1.1rem;color:var(--muted)}.hero .lead{color:#cfdced}