:root{--ink:#16202a;--muted:#55606b;--bg:#fff;--soft:#f4f6f8;--brand:#f5a400;--brand-d:#c98600;--dark:#0f1b26;--line:#dde3e8;--r:10px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:#0b5cad}img{max-width:100%}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
.top{background:var(--dark);color:#fff;position:sticky;top:0;z-index:5}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:60px}
.logo{color:#fff;text-decoration:none;font-weight:800;letter-spacing:.2px;font-size:1.1rem}
.logo span{color:var(--brand)}
.nav{display:none;gap:18px}.nav a{color:#d6dee6;text-decoration:none;font-size:.95rem}.nav a:hover{color:#fff}
.btn{display:inline-block;background:var(--brand);color:#111;font-weight:700;text-decoration:none;border:0;border-radius:var(--r);padding:12px 18px;font-size:1rem;cursor:pointer}
.btn:hover{background:var(--brand-d)}.btn.sm{padding:8px 14px;font-size:.92rem}
.hero{background:linear-gradient(160deg,#13263a 0%,#0f1b26 70%);color:#fff;padding:44px 0 40px}
.hero .ticks{margin-bottom:22px}
.hero h1{font-size:1.9rem;line-height:1.2;margin:0 0 12px}
.hero p.lead{font-size:1.1rem;color:#d6dee6;margin:0 0 20px;max-width:680px}
.ticks{list-style:none;padding:0;margin:18px 0 0;display:grid;gap:6px;color:#d6dee6}
.ticks li:before{content:"✓ ";color:var(--brand);font-weight:700}
.crumbs{font-size:.85rem;color:#a9b6c2;margin-bottom:8px}.crumbs a{color:#a9b6c2}
section{padding:40px 0}section.alt{background:var(--soft)}
h2{font-size:1.5rem;line-height:1.25;margin:0 0 14px}h3{font-size:1.1rem;margin:0 0 6px}
.grid{display:grid;gap:16px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px}
.steps{counter-reset:s;display:grid;gap:16px}
.steps .card{position:relative;padding-left:62px}
.steps .card:before{counter-increment:s;content:counter(s);position:absolute;left:18px;top:18px;width:30px;height:30px;border-radius:50%;background:var(--brand);color:#111;font-weight:800;display:flex;align-items:center;justify-content:center}
.pills{display:flex;flex-wrap:wrap;gap:8px;padding:0;list-style:none}
.pills li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 12px;font-size:.93rem}
details{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:14px 16px;margin-bottom:10px}
summary{font-weight:700;cursor:pointer}
.quote{color:var(--ink);background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px;box-shadow:0 6px 24px rgba(15,27,38,.08)}
.quote h2{margin-bottom:6px}
form .row{display:grid;gap:12px}
label{display:block;font-weight:600;font-size:.92rem;margin-bottom:4px}
input,select,textarea{width:100%;font:inherit;padding:11px 12px;border:1px solid #b9c3cc;border-radius:8px;background:#fff}
input:focus,select:focus,textarea:focus{outline:2px solid var(--brand);border-color:var(--brand)}
textarea{min-height:110px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.fine{font-size:.85rem;color:var(--muted)}
.msg{margin-top:10px;font-weight:600}.msg.err{color:#b00020}.msg.ok{color:#1b7f3b}
.disclose{background:#fff8e6;border:1px solid #f1d58a;border-radius:var(--r);padding:12px 14px;font-size:.92rem}
footer{background:var(--dark);color:#a9b6c2;padding:30px 0;font-size:.92rem}
footer a{color:#d6dee6}footer .cols{display:grid;gap:18px}
.cta-band{background:var(--brand);color:#111;padding:28px 0}.cta-band .wrap{display:flex;flex-wrap:wrap;gap:14px;align-items:center;justify-content:space-between}
.cta-band h2{margin:0}.cta-band .btn{background:#111;color:#fff}
@media(min-width:760px){
 .hero h1{font-size:2.5rem}.nav{display:flex}
 .g2{grid-template-columns:1fr 1fr}.g3{grid-template-columns:repeat(3,1fr)}
 .hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:36px;align-items:start}
 form .row.two{grid-template-columns:1fr 1fr}
 footer .cols{grid-template-columns:2fr 1fr 1fr}
}