:root{--navy:#0f2540;--teal:#0e8f86;--teal-d:#0a6e67;--ink:#1b2a3a;--muted:#5b6b7b;--bg:#ffffff;--soft:#f3f7f9;--line:#e1e8ee;--r:12px;--max:1120px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:16px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg)}
img{max-width:100%}
a{color:var(--teal-d)}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:0 0 .5em}
h1{font-size:clamp(2rem,4.5vw,3rem)}
h2{font-size:clamp(1.5rem,3vw,2rem)}
h3{font-size:1.15rem}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}
.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:99}
header.site{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{font-weight:800;font-size:1.25rem;color:var(--navy);text-decoration:none;letter-spacing:-.02em}
.brand span{color:var(--teal)}
nav.main{display:flex;gap:6px;align-items:center}
nav.main a{padding:8px 12px;border-radius:8px;text-decoration:none;color:var(--ink);font-weight:500}
nav.main a:hover,nav.main a.on{background:var(--soft);color:var(--teal-d)}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font-size:1rem;cursor:pointer}
.btn{display:inline-block;background:var(--teal);color:#fff!important;padding:12px 22px;border-radius:10px;text-decoration:none;font-weight:600;border:0;cursor:pointer;font-size:1rem}
.btn:hover{background:var(--teal-d)}
.btn.ghost{background:transparent;color:var(--navy)!important;border:1.5px solid var(--navy)}
.btn.ghost:hover{background:var(--soft)}
.hero{background:linear-gradient(135deg,var(--navy),#16406b);color:#fff;padding:84px 0 72px}
.hero h1{color:#fff}
.hero p.lead{font-size:1.2rem;max-width:680px;color:#d6e4f0}
.hero .actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.hero .btn.ghost{color:#fff!important;border-color:#fff}
.hero .btn.ghost:hover{background:rgba(255,255,255,.12)}
.crumbs{font-size:.9rem;color:#a9c3da;margin-bottom:10px}
.crumbs a{color:#a9c3da}
section.block{padding:64px 0}
section.alt{background:var(--soft)}
.grid{display:grid;gap:20px}
.g3{grid-template-columns:repeat(auto-fit,minmax(290px,1fr))}
.g2{grid-template-columns:repeat(auto-fit,minmax(340px,1fr))}
.g4{grid-template-columns:repeat(auto-fit,minmax(230px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px}
.card h3 a{text-decoration:none;color:var(--navy)}
.card ul{margin:0;padding-left:1.1em;color:var(--muted)}
.tag{display:inline-block;font-size:.78rem;font-weight:600;padding:3px 10px;border-radius:99px;background:#e3f5f3;color:var(--teal-d);margin-bottom:10px}
.tag.soft{background:#eef1f5;color:var(--muted)}
.steps{counter-reset:s;list-style:none;padding:0;margin:0}
.steps li{counter-increment:s;position:relative;padding:0 0 18px 52px}
.steps li:before{content:counter(s);position:absolute;left:0;top:0;width:36px;height:36px;border-radius:50%;background:var(--teal);color:#fff;font-weight:700;display:grid;place-items:center}
.section-head{max-width:700px;margin-bottom:32px}
.section-head p{color:var(--muted)}
.checks{list-style:none;padding:0;margin:0}
.checks li{padding:6px 0 6px 28px;position:relative}
.checks li:before{content:"\2713";position:absolute;left:0;color:var(--teal);font-weight:700}
details{border:1px solid var(--line);border-radius:10px;padding:14px 18px;margin-bottom:10px;background:#fff}
summary{cursor:pointer;font-weight:600;color:var(--navy)}
details p{margin:10px 0 0;color:var(--muted)}
.cta{background:var(--navy);color:#fff;text-align:center;padding:60px 0}
.cta h2{color:#fff}
.cta p{color:#d6e4f0}
form.q{display:grid;gap:14px}
form.q label{font-weight:600;font-size:.92rem;display:block;margin-bottom:4px}
form.q input,form.q select,form.q textarea{width:100%;padding:12px;border:1px solid #c9d4de;border-radius:10px;font:inherit;background:#fff}
form.q input:focus,form.q select:focus,form.q textarea:focus{outline:2px solid var(--teal);border-color:var(--teal)}
form.q textarea{min-height:150px;resize:vertical}
.hp{position:absolute;left:-9999px;height:0;overflow:hidden}
#msg{min-height:1.4em;font-weight:600}
footer.site{background:#0a1b30;color:#b8c8d8;padding:48px 0 24px;font-size:.95rem}
footer.site a{color:#b8c8d8;text-decoration:none}
footer.site a:hover{color:#fff}
footer.site h4{color:#fff;margin:0 0 10px}
footer.site ul{list-style:none;padding:0;margin:0}
footer.site li{margin-bottom:6px}
.fgrid{display:grid;gap:28px;grid-template-columns:2fr 1fr 1fr 1fr}
.copy{border-top:1px solid #1f3550;margin-top:32px;padding-top:18px;font-size:.85rem}
.prose{max-width:780px}
.prose h2{margin-top:1.6em;font-size:1.35rem}
.notice{background:#fff8e6;border:1px solid #f0dca0;border-radius:10px;padding:12px 16px;font-size:.92rem;color:#5c4a10}
@media(max-width:820px){
 .menu-btn{display:block}
 nav.main{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:10px 20px}
 nav.main.open{display:flex}
 .fgrid{grid-template-columns:1fr 1fr}
 .hero{padding:56px 0 48px}
 section.block{padding:44px 0}
 .g2{grid-template-columns:1fr}
}
@media(max-width:520px){.fgrid{grid-template-columns:1fr}}