:root{--navy:#0A2540;--deep:#06182B;--blue:#1560A8;--sonar:#27C4D4;--mist:#EEF4F9;--ink:#1F2933;--slate:#52606D;--line:#D5E0EA}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);line-height:1.7;font-size:17px;-webkit-text-size-adjust:100%}
h1,h2,h3{line-height:1.2;margin:0 0 .6em;color:var(--navy);letter-spacing:-.01em}
h1{font-size:clamp(2rem,5vw,3.1rem)}h2{font-size:clamp(1.5rem,3.2vw,2rem);margin-top:1.4em}h3{font-size:1.15rem}
p{margin:0 0 1em}a{color:var(--blue)}
:focus-visible{outline:3px solid var(--sonar);outline-offset:3px}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.prose{max-width:46em}
header.top{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:14px;min-height:68px;flex-wrap:wrap}
.brand{font-weight:700;font-size:1.15rem;color:var(--navy);text-decoration:none}
.brand small{display:block;font-weight:500;font-size:.75rem;color:var(--slate);line-height:1.2}
nav{display:flex;gap:18px;align-items:center;flex-wrap:wrap}
nav a:not(.btn){color:var(--navy);text-decoration:none;font-weight:600;font-size:.95rem}
nav a:not(.btn):hover{color:var(--blue)}
.btn{display:inline-block;background:var(--blue);color:#fff;font-weight:700;text-decoration:none;padding:12px 22px;border-radius:6px;white-space:nowrap}
.btn:hover{background:#0F4F8D}.btn.light{background:#fff;color:var(--navy)}.btn.light:hover{background:var(--mist)}
.btn.ghost{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.55)}
.hero{background:var(--deep);color:#fff;padding:64px 0}
.hero h1{color:#fff}.hero p{color:#C9D8E6;font-size:1.1rem;max-width:36em}
.crumbs{font-size:.85rem;color:#9FB6CC;margin-bottom:14px}.crumbs a{color:#C9D8E6}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}.hero .btn{font-size:1.1rem;padding:15px 28px}
section.s{padding:52px 0}section.alt{background:var(--mist)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:24px}
.card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--blue);padding:24px;border-radius:4px;text-decoration:none;color:var(--ink);display:block}
.card:nth-child(3n+2){border-top-color:var(--sonar)}.card:nth-child(3n){border-top-color:var(--navy)}
.card h3{margin-bottom:8px}.card p{color:var(--slate);margin:0;font-size:.97rem}.card:hover{box-shadow:0 2px 12px rgba(10,37,64,.12)}
ul.check{padding:0;list-style:none}ul.check li{padding:8px 0 8px 18px;border-left:3px solid var(--sonar);margin-bottom:8px;background:var(--mist)}
details{border:1px solid var(--line);border-radius:4px;padding:14px 18px;margin-bottom:10px;background:#fff}
summary{font-weight:700;color:var(--navy);cursor:pointer}details p{margin:10px 0 0;color:var(--slate)}
.band{background:var(--navy);color:#fff;text-align:center;padding:52px 0}.band h2{color:#fff;margin:0 0 10px}.band p{color:#C9D8E6}
.band .btn{font-size:1.15rem;padding:15px 30px}
.note{border-left:4px solid var(--blue);background:var(--mist);padding:14px 18px;margin:1.4em 0}
footer{background:var(--deep);color:#C9D8E6;padding:44px 0 90px;font-size:.95rem}
footer .wrap{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:28px}footer strong{color:#fff}footer a{color:#fff}footer ul{list-style:none;padding:0;margin:8px 0 0}footer li{margin-bottom:6px}
.legal{grid-column:1/-1;border-top:1px solid rgba(255,255,255,.15);padding-top:18px;font-size:.88rem}
.callbar{display:none}
@media(max-width:860px){.grid{grid-template-columns:1fr}footer .wrap{grid-template-columns:1fr}.hero{padding:44px 0}}
@media(max-width:640px){nav a:not(.btn){display:none}.cta-row .btn{flex:1 1 100%;text-align:center}
.callbar{display:block;position:fixed;left:0;right:0;bottom:0;z-index:30;background:var(--blue);padding:10px 16px calc(10px + env(safe-area-inset-bottom));text-align:center}
.callbar a{color:#fff;font-weight:700;font-size:1.1rem;text-decoration:none;display:block}}