:root{--navy:#0b3d6b;--teal:#0f7b8a;--bg:#fff;--alt:#f2f6fa;--ink:#1d2733}
*{box-sizing:border-box}body{margin:0;font:18px/1.6 system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--bg)}
.wrap{max-width:1100px;margin:0 auto;padding:0 16px}.narrow{max-width:760px}
a{color:var(--teal)}h1,h2,h3{line-height:1.2;color:var(--navy)}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:9}
.hdr{position:sticky;top:0;background:#fff;border-bottom:1px solid #dde5ee;z-index:5}
.bar{display:flex;flex-wrap:wrap;align-items:center;gap:12px;padding-top:10px;padding-bottom:10px;justify-content:space-between}
.logo{font-weight:800;font-size:1.3rem;color:var(--navy);text-decoration:none}.logo span{color:var(--teal)}
nav{display:flex;flex-wrap:wrap;gap:4px 16px}nav a{color:var(--ink);text-decoration:none;font-size:.95rem}nav a[aria-current]{font-weight:700;color:var(--teal)}
.btn{display:inline-block;background:var(--navy);color:#fff;padding:10px 18px;border-radius:8px;text-decoration:none;font-weight:700}
.btn.big{padding:14px 26px;font-size:1.05rem}.btn.ghost{background:transparent;color:var(--navy);border:2px solid var(--navy)}
.hero{background:linear-gradient(135deg,#e8f1f9,#f6fbfc);padding:56px 0}.hero h1{font-size:clamp(2rem,5vw,3rem);margin:0 0 12px}.lead{font-size:1.2rem;max-width:760px}
.proof{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:12px 32px;margin:24px 0 0}.proof b{display:block;font-size:1.5rem;color:var(--navy)}
.sec{padding:48px 0}.alt{background:var(--alt)}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px}
.card{background:#fff;border:1px solid #dde5ee;border-radius:12px;padding:20px}.card h3{margin-top:0}
.ticks{padding-left:0;list-style:none}.ticks li{padding-left:28px;position:relative;margin:8px 0}.ticks li:before{content:"\2713";position:absolute;left:0;color:var(--teal);font-weight:700}
.steps li{margin:12px 0}details{background:#fff;border:1px solid #dde5ee;border-radius:8px;padding:12px 16px;margin:10px 0}summary{cursor:pointer;font-weight:700;color:var(--navy)}
.cta{background:var(--navy);color:#fff;text-align:center;padding:48px 0}.cta h2{color:#fff}.cta .btn{background:#fff;color:var(--navy)}.cta .ghost{background:transparent;color:#fff;border-color:#fff}
.ftr{background:#0a2a49;color:#cfdcea;padding:32px 0;font-size:.95rem}.ftr a{color:#fff}.cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:24px}
.disc{border-top:1px solid #335a80;margin-top:24px;padding-top:16px;font-size:.85rem}.copy{font-size:.85rem}.note{font-size:.9rem;margin-top:20px}
@media(max-width:600px){body{font-size:17px}.hero{padding:36px 0}}

nav{align-items:center}.dd{position:relative}.dd button{background:none;border:0;font:inherit;font-size:.95rem;cursor:pointer;color:var(--ink);padding:0}
.menu{display:none;position:absolute;top:100%;left:-12px;background:#fff;border:1px solid #dde5ee;border-radius:8px;padding:8px 0;min-width:210px;box-shadow:0 6px 18px rgba(0,0,0,.1);flex-direction:column}
.dd:hover .menu,.dd:focus-within .menu{display:flex}.menu a{padding:6px 16px}
.form{display:grid;gap:14px}.frow{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px}
label{display:grid;gap:4px;font-weight:600;font-size:.95rem}input,select,textarea{font:inherit;padding:10px;border:1px solid #b9c7d6;border-radius:8px}
.steps4{list-style:none;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:20px}.steps4 b{display:block;color:var(--navy);margin-bottom:4px}
.chips{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:10px}.chips a{display:block;padding:8px 16px;border:1px solid var(--teal);border-radius:999px;text-decoration:none}
.dd.open .menu{display:flex}@media(max-width:700px){.menu{position:static;border:0;box-shadow:none;padding:0 0 0 12px}.dd button{font-weight:700}}