:root{--navy:#302E7C;--midnight:#1A1843;--orange:#E9A23B;--gold:#F2C14B;--ink:#16152B;--muted:#5D5B78;--line:#E3E2EE;--bg:#F7F7FB;--ok:#1F7A4D;--err:#B42318;--r:14px;--shadow:0 1px 2px rgba(26,24,67,.06),0 8px 24px rgba(26,24,67,.06)}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.55;font-size:16px}
a{color:var(--navy)}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
h1,h2,h3{line-height:1.2;color:var(--midnight);letter-spacing:-.01em}h1{font-size:clamp(1.9rem,4vw,3rem);margin:.2em 0 .4em}h2{font-size:clamp(1.3rem,2.4vw,1.8rem)}h3{font-size:1.1rem;margin:.2em 0}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}.narrow{max-width:760px}.sec{padding:48px 20px}.mt{margin-top:40px}
.envbar{background:var(--gold);color:var(--midnight);text-align:center;font-size:.8rem;font-weight:600;padding:4px}
.top{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.92);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.row{display:flex;align-items:center;justify-content:space-between;min-height:64px;gap:16px}.brand img{display:block;height:30px;width:auto}
nav a{margin-left:20px;text-decoration:none;color:var(--ink);font-weight:500}nav a:hover{color:var(--navy)}
@media (max-width:760px){nav a:not(.btn){display:none}}
.crumbs{font-size:.85rem;color:var(--muted);padding-top:16px}.crumbs a{color:var(--muted)}
.btn{display:inline-block;background:var(--navy);color:#fff;border:0;border-radius:999px;padding:12px 22px;font-weight:600;font-size:1rem;text-decoration:none;cursor:pointer;transition:transform .08s,background .15s}
.btn:hover{background:var(--midnight)}.btn:active{transform:scale(.98)}.btn-sm{padding:8px 16px;font-size:.92rem;color:#fff!important}.btn-lg{padding:15px 28px;font-size:1.05rem;width:100%}
.btn-ghost{background:transparent;color:var(--navy);box-shadow:inset 0 0 0 2px var(--navy)}.btn-ghost:hover{background:var(--navy);color:#fff}
.hero{background:radial-gradient(1200px 500px at 85% -10%,rgba(242,193,75,.25),transparent 60%),linear-gradient(180deg,#F4F3FB,#fff);padding:56px 0}
.hero-grid{display:grid;grid-template-columns:1.3fr 1fr;gap:40px;align-items:center}.hero-card{display:flex;justify-content:center}.hero-card img{width:min(320px,80%);height:auto}
@media (max-width:860px){.hero-grid{grid-template-columns:1fr}.hero-card{display:none}}
.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:.78rem;font-weight:700;color:var(--orange);margin:0}
.lead{font-size:1.15rem;color:var(--muted);max-width:60ch}.muted{color:var(--muted)}.small{font-size:.85rem}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin:24px 0}
.ticks{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:8px 20px;color:var(--muted)}.ticks li:before{content:"✓ ";color:var(--ok);font-weight:700}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--shadow);text-decoration:none;color:inherit;display:block}
a.card:hover{border-color:var(--navy);transform:translateY(-1px)}.card p{color:var(--muted);margin:.4em 0 .8em}.link{color:var(--navy);font-weight:600}
.band{background:var(--bg)}.split{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start}@media (max-width:760px){.split{grid-template-columns:1fr}}
.steps{list-style:none;counter-reset:s;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px}
.steps li{counter-increment:s;background:#fff;border-radius:var(--r);padding:20px;border:1px solid var(--line)}
.steps li:before{content:counter(s);display:inline-grid;place-items:center;width:32px;height:32px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;margin-bottom:10px}
.steps b{display:block;color:var(--midnight)}.steps span{color:var(--muted);font-size:.95rem}
.chips{display:flex;flex-wrap:wrap;gap:8px}.chip{border:1px solid var(--line);border-radius:999px;padding:6px 14px;text-decoration:none;color:var(--ink);background:#fff;font-size:.92rem}.chip:hover{border-color:var(--navy);color:var(--navy)}
.faq dt{font-weight:700;margin-top:16px;color:var(--midnight)}.faq dd{margin:4px 0 0;color:var(--muted)}
.form fieldset{border:0;padding:0;margin:0 0 24px}.form legend{font-weight:700;font-size:1.1rem;color:var(--midnight);margin-bottom:8px}
.field{margin:0 0 16px}.field label{display:block;font-weight:600;margin-bottom:6px}.hint{margin:-2px 0 6px;color:var(--muted);font-size:.88rem}
input[type=text],input:not([type]),input[type=email],input[type=tel],input[type=number],select,textarea{width:100%;font:inherit;padding:12px 14px;border:1px solid #CFCDE0;border-radius:10px;background:#fff;color:var(--ink);min-height:48px}
textarea{resize:vertical}.has-error input,.has-error select,.has-error textarea{border-color:var(--err)}.err{color:var(--err);font-size:.88rem;margin:6px 0 0}
.two{display:grid;grid-template-columns:1fr 1fr;gap:0 16px}@media (max-width:600px){.two{grid-template-columns:1fr}}
.check label{font-weight:400;display:flex;gap:10px;align-items:flex-start}.check input{margin-top:5px;width:18px;height:18px}
.checks{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:6px 16px}.checks label{font-weight:400;display:flex;gap:8px;align-items:center}
.alert{background:#FEF3F2;border:1px solid #FECDCA;color:var(--err);padding:12px 16px;border-radius:10px;margin-bottom:16px}
.cf-turnstile{margin:8px 0 16px;min-height:65px}
.ok{border-top:4px solid var(--ok)}.ref{color:var(--navy);white-space:nowrap}.next li{margin-bottom:10px}
.prose h2{font-size:1.15rem;margin-top:28px}.kv{display:grid;grid-template-columns:220px 1fr;gap:10px 20px}.kv dt{font-weight:700}.kv dd{margin:0}@media (max-width:600px){.kv{grid-template-columns:1fr}}
.foot{background:var(--midnight);color:#D9D8EA;padding:48px 0 24px;margin-top:48px}.foot a{display:block;color:#D9D8EA;text-decoration:none;margin:6px 0}.foot a:hover{color:var(--gold)}.foot h3{color:#fff;font-size:.95rem}.foot .muted{color:#A9A7C6}
.grid4{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:24px;margin-bottom:24px}@media (max-width:760px){.grid4{grid-template-columns:1fr 1fr}}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}