:root{--bg:#F4F7F9;--surface:#FFFFFF;--ink:#0F1B2D;--muted:#4F5F72;--rule:#D8E0E7;--accent:#0B4F6C;--accent-ink:#FFFFFF;--accent-soft:#E1EEF3;--cta:#B9611F;--cta-hover:#9E5119;--cta-ink:#FFFFFF;--ok:#1F6F50;--ok-soft:#E3F1EA;--code:#EAF0F4}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:"Public Sans",system-ui,-apple-system,"Segoe UI",sans-serif;font-size:16px;line-height:1.6}
img,svg{max-width:100%}
a{color:var(--accent)}
h1,h2,h3{font-family:"Source Serif 4",Georgia,serif;line-height:1.15;text-wrap:balance;margin:0 0 .5em}
h1{font-size:clamp(32px,4.6vw,50px);font-weight:600;letter-spacing:-.01em}
h2{font-size:clamp(26px,3vw,34px);font-weight:600}
h3{font-size:20px;font-weight:600;font-family:"Public Sans",system-ui,sans-serif}
p{margin:0 0 1em;max-width:68ch}
.wrap{max-width:1140px;margin:0 auto;padding:0 24px}
.eyebrow{font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--accent);font-weight:600;margin-bottom:10px}
/* header */
.site-header{position:sticky;top:0;z-index:20;background:rgba(244,247,249,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--rule)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;height:66px}
.brand{font-family:"Source Serif 4",Georgia,serif;font-weight:600;font-size:18px;color:var(--ink);text-decoration:none}
.brand span{color:var(--accent)}
.nav{display:flex;gap:22px;align-items:center}
.nav a{color:var(--ink);text-decoration:none;font-size:14.5px;font-weight:500}
.nav a:hover{color:var(--accent)}
@media(max-width:860px){.nav .link{display:none}}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 22px;border-radius:6px;font-weight:600;font-size:15.5px;text-decoration:none;border:1.5px solid transparent;cursor:pointer;line-height:1.2}
.btn-primary{background:var(--cta);color:var(--cta-ink);border-color:var(--cta)}
.btn-primary:hover{background:var(--cta-hover);border-color:var(--cta-hover)}
.btn-secondary{background:transparent;color:var(--accent);border-color:var(--accent)}
.btn-secondary:hover{background:var(--accent-soft)}
.btn-sm{padding:9px 16px;font-size:14px}
.btn:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid #F0B27A;outline-offset:2px}
/* hero */
.hero{padding:64px 0 48px;background:linear-gradient(180deg,#FFFFFF 0%,var(--bg) 100%);border-bottom:1px solid var(--rule)}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,.9fr);gap:48px;align-items:start}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr}}
.hero .lede{font-size:19px;color:var(--muted);max-width:56ch}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin:22px 0 10px}
.micro{font-size:13.5px;color:var(--muted)}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:22px}
.chip{background:var(--accent-soft);color:var(--accent);font-size:13px;font-weight:600;padding:6px 11px;border-radius:999px}
.hero-card{background:var(--surface);border:1px solid var(--rule);border-radius:10px;padding:22px;box-shadow:0 10px 30px rgba(15,27,45,.06)}
.hero-card h3{margin-top:0}
.hero-card ul{padding-left:18px;margin:0 0 16px}
.hero-card li{margin-bottom:6px}
/* sections */
section{padding:60px 0}
section.alt{background:var(--surface);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule)}
.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}
.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.grid-4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}
@media(max-width:900px){.grid-3,.grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:600px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}
.card{background:var(--surface);border:1px solid var(--rule);border-radius:8px;padding:22px}
section.alt .card{background:var(--bg)}
.card h3{margin-top:0}
.card p:last-child{margin-bottom:0}
.steps{counter-reset:step;list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
@media(max-width:900px){.steps{grid-template-columns:1fr}}
.steps li{counter-increment:step;background:var(--surface);border:1px solid var(--rule);border-radius:8px;padding:20px 20px 20px 62px;position:relative}
.steps li::before{content:counter(step);position:absolute;left:18px;top:18px;width:30px;height:30px;border-radius:50%;background:var(--accent);color:var(--accent-ink);font-weight:700;display:flex;align-items:center;justify-content:center;font-size:14px}
.steps li strong{display:block;margin-bottom:4px}
.tablewrap{overflow-x:auto;border:1px solid var(--rule);border-radius:8px;background:var(--surface)}
table{border-collapse:collapse;width:100%;font-size:14.5px}
th,td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--rule);vertical-align:top}
th{background:var(--accent-soft);color:var(--accent);font-size:12.5px;letter-spacing:.06em;text-transform:uppercase}
tbody tr:last-child td{border-bottom:0}
.fields{columns:2;column-gap:32px;padding-left:18px;margin:0}
@media(max-width:600px){.fields{columns:1}}
.fields li{break-inside:avoid;margin-bottom:6px}
.note{background:var(--accent-soft);border-left:3px solid var(--accent);padding:12px 16px;border-radius:0 6px 6px 0;font-size:14.5px;max-width:72ch}
.cta-band{background:var(--accent);color:var(--accent-ink);padding:44px 0}
.cta-band h2,.cta-band p{color:var(--accent-ink)}
.cta-band .btn-secondary{color:#fff;border-color:#fff}
.cta-band .btn-secondary:hover{background:rgba(255,255,255,.12)}
/* faq */
details{border-bottom:1px solid var(--rule);padding:14px 0}
summary{cursor:pointer;font-weight:600;font-size:16.5px;list-style:none;display:flex;justify-content:space-between;gap:16px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--accent);font-weight:600;font-size:20px;line-height:1}
details[open] summary::after{content:"–"}
details p{margin-top:10px}
/* form */
form{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
@media(max-width:600px){form{grid-template-columns:1fr}}
.field{display:flex;flex-direction:column;gap:5px}
.field.full{grid-column:1/-1}
label{font-size:13.5px;font-weight:600}
input,select,textarea{font:inherit;padding:11px 12px;border:1.5px solid var(--rule);border-radius:6px;background:#fff;color:var(--ink)}
textarea{min-height:96px;resize:vertical}
.hp{position:absolute;left:-9999px;opacity:0}
.form-note{font-size:13px;color:var(--muted);grid-column:1/-1}
.form-status{grid-column:1/-1;font-size:14.5px;display:none;padding:10px 12px;border-radius:6px}
.form-status.ok{display:block;background:var(--ok-soft);color:var(--ok)}
.form-status.err{display:block;background:#FBE9E7;color:#8A2F1F}
/* footer */
footer{padding:40px 0 100px;border-top:1px solid var(--rule);font-size:14px;color:var(--muted)}
footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}
@media(max-width:700px){footer .cols{grid-template-columns:1fr}}
footer a{color:var(--muted)}
footer ul{list-style:none;padding:0;margin:0}
footer li{margin-bottom:6px}
/* mobile sticky bar */
.sticky-bar{position:fixed;bottom:0;left:0;right:0;display:none;gap:10px;padding:10px 14px;background:var(--surface);border-top:1px solid var(--rule);z-index:30}
.sticky-bar .btn{flex:1}
@media(max-width:860px){.sticky-bar{display:flex}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

.footer-legal{margin-top:30px;padding-top:20px;border-top:1px solid var(--rule);font-size:13.5px}
.footer-legal p{margin:0 0 8px;max-width:76ch}
.footer-legal .entity{color:var(--ink)}