:root{--brand:#0f4c5c;--brand-dark:#0a3540;--accent:#e9a23b;--accent-dark:#c9851f;--text:#1d2a30;--muted:#55666e;--bg:#ffffff;--soft:#f2f6f7;--line:#d8e2e5}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;font-size:18px;line-height:1.65;color:var(--text);background:var(--bg);padding-bottom:64px}
a{color:var(--brand)}
a:hover{color:var(--brand-dark)}
.wrap{max-width:860px;margin:0 auto;padding:0 16px}
.site-header{background:#fff;border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:12px;padding-top:10px;padding-bottom:6px}
.brand{display:flex;align-items:center;gap:8px;font-weight:700;color:var(--brand);text-decoration:none;font-size:18px;line-height:1.2}
.site-nav ul{list-style:none;margin:0;padding:0 0 8px;display:flex;flex-wrap:wrap;gap:4px 18px;font-size:15px}
.site-nav a{text-decoration:none;color:var(--muted)}
.site-nav a[aria-current="page"],.site-nav a:hover{color:var(--brand);text-decoration:underline}
.hero{background:linear-gradient(160deg,var(--brand) 0%,var(--brand-dark) 100%);color:#fff;padding:40px 0 36px}
.hero h1{font-size:34px;line-height:1.2;margin:0 0 12px}
.kicker{text-transform:uppercase;letter-spacing:.08em;font-size:13px;opacity:.8;margin:0 0 6px}
.lead{font-size:19px;max-width:680px;margin:0 0 20px;opacity:.95}
.hero-buttons,.cta-buttons{display:flex;flex-wrap:wrap;gap:12px}
.trust{list-style:none;padding:0;margin:20px 0 0;display:flex;flex-wrap:wrap;gap:6px 22px;font-size:15px;opacity:.9}
.trust li::before{content:"\2713  ";color:var(--accent)}
.btn{display:inline-block;padding:12px 22px;border-radius:8px;font-weight:700;text-decoration:none;font-size:17px;border:2px solid transparent;cursor:pointer;font-family:inherit}
.btn-primary{background:var(--accent);color:#1d1400}
.btn-primary:hover{background:var(--accent-dark);color:#1d1400}
.btn-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.7)}
.btn-light:hover{background:rgba(255,255,255,.1);color:#fff}
.btn-small{padding:7px 14px;font-size:15px}
.content{padding-top:12px;padding-bottom:24px}
.content h2{font-size:25px;line-height:1.3;color:var(--brand-dark);margin:34px 0 10px}
.content h3{font-size:19px;margin:22px 0 4px}
.content h1{font-size:30px;line-height:1.25;color:var(--brand-dark);margin:28px 0 10px}
.table-wrap{overflow-x:auto}
table{border-collapse:collapse;width:100%;font-size:16px;margin:8px 0 12px}
th,td{border:1px solid var(--line);padding:9px 12px;text-align:left;vertical-align:top}
th{background:var(--soft)}
.steps li{margin-bottom:10px}
.columns{columns:2;column-gap:28px}
.cta{background:var(--soft);border:1px solid var(--line);border-left:5px solid var(--accent);border-radius:10px;padding:22px 22px 24px;margin:40px 0 20px}
.cta h2{margin-top:0}
.cta .btn-light{color:var(--brand);border-color:var(--brand)}
.cta .btn-light:hover{background:#fff;color:var(--brand-dark)}
.sources{font-size:14px;color:var(--muted);border-top:1px solid var(--line);padding-top:12px;margin-top:28px}
.quote-form{display:grid;gap:6px;max-width:560px;margin-top:20px}
.quote-form label{font-weight:600;font-size:16px;margin-top:10px}
.quote-form input,.quote-form select,.quote-form textarea{font:inherit;font-size:17px;padding:11px 12px;border:1px solid #b7c6cb;border-radius:8px;width:100%;background:#fff;color:var(--text)}
.quote-form input:focus,.quote-form select:focus,.quote-form textarea:focus{outline:3px solid rgba(15,76,92,.25);border-color:var(--brand)}
.quote-form button{margin-top:10px;justify-self:start}
.small{font-size:14px;color:var(--muted)}
.thanks{padding:24px 0}
.site-footer{background:var(--brand-dark);color:#d9e6ea;padding:28px 0 20px;font-size:15px}
.site-footer a{color:#fff}
.disclosure{opacity:.9}
.mobile-bar{position:fixed;left:0;right:0;bottom:0;display:flex;z-index:20;box-shadow:0 -2px 10px rgba(0,0,0,.15)}
.mobile-bar a{flex:1;text-align:center;padding:14px 8px;font-weight:700;text-decoration:none;background:var(--accent);color:#1d1400}
.mobile-bar a+a{background:var(--brand);color:#fff}
.jump{display:flex;flex-wrap:wrap;gap:6px 16px;font-size:15px;padding:14px 0 4px;border-bottom:1px solid var(--line)}
.jump span{color:var(--muted)}
.stats{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin:24px 0 8px}
.stat{background:var(--soft);border:1px solid var(--line);border-radius:10px;padding:14px 16px}
.stat strong{display:block;font-size:30px;line-height:1.1;color:var(--brand)}
.stat span{display:block;font-size:14px;color:var(--muted);line-height:1.4;margin-top:4px}
.cards{display:grid;grid-template-columns:1fr;gap:12px}
.card{border:1px solid var(--line);border-top:4px solid var(--brand);border-radius:10px;padding:14px 18px}
.card h3{margin:0 0 4px}
.card p{margin:0;font-size:16px}
figure{margin:20px 0}
figcaption{font-size:14px;color:var(--muted);margin-top:6px}
.diagram svg{width:100%;height:auto;border-radius:10px;border:1px solid var(--line)}
.photo img{max-width:100%;width:auto;height:auto;border-radius:10px;display:block}
.example{border:1px dashed #b7c6cb;border-radius:10px;padding:14px 18px;margin:20px 0}
.example-label{font-size:13px;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);margin:0 0 8px}
.example-row{display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.example-row div{flex:1;min-width:140px}
.example-row span{display:block;font-size:14px;color:var(--muted)}
.example-row strong{display:block;font-size:26px;color:var(--brand-dark)}
.example-row em{font-style:normal;font-size:14px}
.example-row .arrow{flex:0 0 auto;min-width:auto;font-size:28px;color:var(--accent)}
.checklist{list-style:none;padding-left:0}
.checklist li{padding-left:28px;position:relative;margin-bottom:6px}
.checklist li::before{content:"\2713";position:absolute;left:4px;color:var(--brand);font-weight:700}
@media (min-width:760px){.stats{grid-template-columns:repeat(4,1fr)}.cards{grid-template-columns:repeat(2,1fr)}}
@media (min-width:760px){
  body{padding-bottom:0}
  .site-header{position:sticky;top:0;z-index:10}
  .mobile-bar{display:none}
  .hero{padding:56px 0 48px}
  .hero h1{font-size:44px}
}
@media (max-width:480px){
  .columns{columns:1}
  .header-actions{display:none}
  .brand{font-size:17px}
}