:root{--ink:#10222b;--teal:#0e4861;--teal2:#0b3547;--accent:#f2a93b;--bg:#f7f5f0;--card:#fff;--muted:#5b6b72;--line:#e3ded2;--radius:16px}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:Georgia,'Times New Roman',serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
h1,h2,h3,.btn,.tag,nav,.pill{font-family:Verdana,Geneva,sans-serif}
img{max-width:100%;height:auto;border-radius:var(--radius);display:block}
a{color:var(--teal)}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header.site{background:var(--teal2);color:#fff;position:sticky;top:0;z-index:50}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:14px;padding-top:12px;padding-bottom:12px}
.logo{color:#fff;text-decoration:none;font-weight:bold;font-size:19px;letter-spacing:.3px}
.logo span{color:var(--accent)}
nav.main{display:flex;gap:18px;flex-wrap:wrap}
nav.main a{color:#dcebee;text-decoration:none;font-size:14px}
nav.main a:hover{color:#fff}
.callbtn{background:var(--accent);color:#231a05!important;padding:10px 18px;border-radius:999px;font-weight:bold;text-decoration:none;white-space:nowrap}
.hero{background:linear-gradient(160deg,#0e4861,#082f40);color:#fff;padding:56px 0 48px}
.hero h1{font-size:clamp(30px,5vw,46px);line-height:1.15;margin:14px 0 16px}
.hero p{max-width:720px;color:#d7e6ea;font-size:18px}
.tag{display:inline-block;background:#ffffff1f;border:1px solid #ffffff3d;color:#ffe1a8;padding:5px 14px;border-radius:999px;font-size:12.5px;letter-spacing:1.2px;text-transform:uppercase}
.btn{display:inline-block;background:var(--accent);color:#231a05;padding:14px 28px;border-radius:999px;font-weight:bold;text-decoration:none;font-size:17px;margin-top:22px}
.btn.ghost{background:transparent;color:#fff;border:2px solid #ffffff66;margin-left:10px}
.note{font-size:13.5px;color:#a9c3ca;margin-top:14px}
section{padding:52px 0 8px}
h2{font-size:clamp(24px,3.4vw,32px);line-height:1.25;margin-bottom:14px;color:var(--teal2)}
h3{font-size:19px;margin-bottom:8px;color:var(--teal2)}
p{margin-bottom:14px}
.lede{font-size:19px;color:#33454d}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:18px;margin:22px 0}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.card a{text-decoration:none}
.card p{color:var(--muted);font-size:15.5px;margin:0}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:18px;margin:22px 0}
.step{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.step b.num{display:inline-block;background:var(--teal);color:#fff;width:30px;height:30px;border-radius:50%;text-align:center;line-height:30px;margin-bottom:10px;font-family:Verdana,sans-serif;font-size:14px}
ul.check{list-style:none;margin:10px 0 18px}
ul.check li{padding:7px 0 7px 28px;position:relative;border-bottom:1px dashed var(--line)}
ul.check li:before{content:"\2713";position:absolute;left:2px;color:var(--teal);font-weight:bold}
.faq{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:20px 22px;margin-bottom:12px}
.faq h3{margin-bottom:6px}
.faq p{margin:0;color:#33454d}
.cta{background:var(--teal);color:#fff;border-radius:20px;padding:34px;margin:40px 0}
.cta h2{color:#fff}
.cta p{color:#d7e6ea}
.split{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:center;margin:22px 0}
@media(max-width:760px){.split{grid-template-columns:1fr}nav.main{display:none}}
.crumbs{font-size:13.5px;color:var(--muted);padding-top:26px;font-family:Verdana,sans-serif}
.crumbs a{color:var(--muted)}
footer.site{background:#08222e;color:#b9cdd3;margin-top:56px;padding:44px 0 110px;font-size:15px}
footer.site a{color:#e8f1f3}
footer.site .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:26px}
footer.site h3{color:#fff;font-size:16px}
footer.site ul{list-style:none}
footer.site li{margin:6px 0}
.disc{border-top:1px solid #ffffff26;margin-top:30px;padding-top:18px;font-size:13.5px;color:#8fa9b1}
.sticky-call{display:none}
@media(max-width:760px){.sticky-call{display:flex;position:fixed;bottom:0;left:0;right:0;background:var(--teal2);padding:10px 14px;z-index:60;gap:10px}.sticky-call a{flex:1;text-align:center;background:var(--accent);color:#231a05;font-weight:bold;padding:13px;border-radius:999px;text-decoration:none;font-family:Verdana,sans-serif}}
.tbl{width:100%;border-collapse:collapse;margin:16px 0;background:#fff}
.tbl th,.tbl td{border:1px solid var(--line);padding:10px 12px;text-align:left;font-size:15.5px}
.tbl th{background:#eef4f5;font-family:Verdana,sans-serif;font-size:14px}