:root{--primary:#1b3a5b;--accent:#e8732c;--dark:#12263a;--light:#f5f7fa;--ink:#1f2933;--muted:#5b6b7b;--line:#e1e7ee;--ok:#2f8f4e}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);line-height:1.6;background:#fff;-webkit-font-smoothing:antialiased}
a{color:var(--primary);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
h1,h2,h3{line-height:1.25;color:var(--dark);font-weight:700}
h1{font-size:2rem;margin-bottom:.5rem}
h2{font-size:1.5rem;margin:1.8rem 0 .8rem}
h3{font-size:1.15rem;margin:1.2rem 0 .5rem}
p{margin:.7rem 0}
/* Header */
.topbar{background:var(--dark);color:#cdd9e5;font-size:.85rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;padding:6px 20px}
.topbar a{color:#cdd9e5}
header.site{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 1px 8px rgba(0,0,0,.04)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;padding:12px 20px}
.logo{font-size:1.35rem;font-weight:800;color:var(--primary);letter-spacing:-.5px}
.logo b{color:var(--accent)}
nav.main a{color:var(--ink);font-weight:600;margin-left:18px;font-size:.95rem}
.callbtn{background:var(--accent);color:#fff!important;padding:11px 18px;border-radius:8px;font-weight:700;white-space:nowrap;display:inline-block}
.callbtn:hover{background:#d2641f;text-decoration:none}
.callbtn.sm{padding:8px 14px;font-size:.9rem}
/* Hero */
.hero{background:linear-gradient(135deg,var(--primary),var(--dark));color:#fff;padding:54px 0 48px}
.hero h1{color:#fff;font-size:2.4rem;max-width:760px}
.hero p.lead{font-size:1.15rem;color:#dce6f0;max-width:680px;margin:1rem 0 1.5rem}
.hero .callbtn{font-size:1.15rem;padding:15px 28px}
.hero .sub{margin-top:14px;font-size:.92rem;color:#b9cadb}
.badges{display:flex;gap:18px;flex-wrap:wrap;margin-top:22px}
.badge{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);padding:8px 14px;border-radius:30px;font-size:.85rem;color:#eaf1f8}
/* Answer-first callout */
.answer{background:#fff;border-left:4px solid var(--accent);box-shadow:0 2px 14px rgba(0,0,0,.06);padding:18px 22px;border-radius:8px;margin:24px 0;font-size:1.05rem}
.answer strong{color:var(--dark)}
/* Sections */
section.pad{padding:34px 0}
.grid{display:grid;gap:18px}
.grid.c3{grid-template-columns:repeat(3,1fr)}
.grid.c2{grid-template-columns:repeat(2,1fr)}
.card{border:1px solid var(--line);border-radius:10px;padding:20px;background:#fff;transition:.15s}
.card:hover{box-shadow:0 6px 20px rgba(0,0,0,.08);transform:translateY(-2px)}
.card h3{margin-top:0}
.card .more{font-weight:600;color:var(--accent)}
/* CTA band */
.ctaband{background:var(--accent);color:#fff;text-align:center;padding:36px 0}
.ctaband h2{color:#fff}
.ctaband .callbtn{background:#fff;color:var(--accent)!important;margin-top:10px}
.ctaband .callbtn:hover{background:#f2f2f2}
/* FAQ */
.faq dt{font-weight:700;color:var(--dark);margin-top:16px}
.faq dd{margin:.3rem 0 0;color:var(--muted)}
/* breadcrumb */
.crumb{font-size:.85rem;color:var(--muted);padding:14px 0}
.crumb a{color:var(--muted)}
/* lists of links */
.linklist{columns:3;column-gap:24px;font-size:.93rem;margin-top:12px}
.linklist a{display:block;padding:3px 0}
@media(max-width:840px){.linklist{columns:2}}
/* footer */
footer.site{background:var(--dark);color:#9fb2c4;padding:36px 0 24px;font-size:.9rem;margin-top:40px}
footer.site a{color:#cdd9e5}
footer.site .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}
footer.site h4{color:#fff;font-size:.95rem;margin-bottom:10px}
.disclosure{border-top:1px solid #2c4055;margin-top:24px;padding-top:16px;font-size:.82rem;color:#8499ab}
/* sticky mobile call */
.mcall{display:none}
@media(max-width:760px){
 .hero h1{font-size:1.8rem}h1{font-size:1.6rem}
 nav.main{display:none}
 .grid.c3,.grid.c2{grid-template-columns:1fr}
 footer.site .cols{grid-template-columns:1fr}
 .mcall{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:99;background:var(--accent);color:#fff;justify-content:center;align-items:center;padding:14px;font-weight:700;font-size:1.1rem;box-shadow:0 -2px 12px rgba(0,0,0,.2)}
 .mcall a{color:#fff!important}
 body{padding-bottom:56px}
}
.prose p{margin:.8rem 0}
.tag{display:inline-block;background:var(--light);border:1px solid var(--line);color:var(--muted);font-size:.78rem;padding:2px 9px;border-radius:20px;margin:2px}
table.simple{width:100%;border-collapse:collapse;margin:16px 0}
table.simple th,table.simple td{border:1px solid var(--line);padding:9px 12px;text-align:left;font-size:.93rem}
table.simple th{background:var(--light);color:var(--dark)}