:root{--navy:#14304f;--navy2:#0d2139;--poppy:#d9572b;--poppy-d:#b8441d;--sand:#faf6ef;--sand2:#f6efe3;--ink:#1f2328;--muted:#5b5048;--line:#e3d8c6;--ok:#1d6b3a;--err:#a32020;--r:14px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--sand)}
a{color:var(--navy);text-underline-offset:3px}
a:hover{color:var(--poppy-d)}
img{max-width:100%;height:auto}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:99}
.skip:focus{left:8px;top:8px}
:focus-visible{outline:3px solid var(--poppy);outline-offset:2px}
.top{background:var(--navy);color:#fff;position:sticky;top:0;z-index:20;border-bottom:4px solid var(--poppy)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:66px}
.logo{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:800;letter-spacing:.2px;font-size:19px}
.logo:hover{color:#fff}
.logo .mark{width:34px;height:34px;flex:0 0 34px}
.logo b{color:#f08a4b}
.nav{display:flex;align-items:center;gap:4px;flex-wrap:wrap}
.nav a{color:#e6ecf3;text-decoration:none;font-size:15px;padding:8px 10px;border-radius:8px}
.nav a:hover,.nav a[aria-current=page]{background:rgba(255,255,255,.1);color:#fff}
.menu-btn{display:none;background:transparent;color:#fff;border:2px solid rgba(255,255,255,.5);border-radius:8px;padding:6px 12px;font:inherit;font-size:15px;cursor:pointer}
.mnav{display:none;background:var(--navy2);padding:8px 20px 16px}
.mnav a{display:block;color:#fff;padding:10px 0;text-decoration:none;border-bottom:1px solid rgba(255,255,255,.08)}
.mnav.open{display:block}
.btn{display:inline-block;background:var(--poppy);color:#fff;text-decoration:none;font-weight:700;padding:13px 22px;border-radius:10px;border:0;font:inherit;font-weight:700;cursor:pointer;line-height:1.2}
.btn:hover{background:var(--poppy-d);color:#fff}
.btn-sm{padding:9px 14px;font-size:15px}
.nav .btn{color:#fff;margin-left:6px}
.btn-ghost{background:transparent;color:var(--navy);border:2px solid var(--navy)}
.btn-ghost:hover{background:var(--navy);color:#fff}
.hero{background:linear-gradient(180deg,var(--navy) 0,var(--navy) 62%,var(--sand) 62%);color:#fff;padding:48px 0 0}
.hero h1{font-size:clamp(30px,4.6vw,48px);line-height:1.12;margin:0 0 16px;max-width:820px;letter-spacing:-.5px}
.hero .lede{font-size:19px;color:#dfe7f0;max-width:760px;margin:0 0 22px}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:30px}
.hero .ctas .btn-ghost{color:#fff;border-color:rgba(255,255,255,.6)}
.hero .ctas .btn-ghost:hover{background:#fff;color:var(--navy)}
.hero .fig{margin:0;background:#fff;border-radius:var(--r);box-shadow:0 10px 30px rgba(13,33,57,.18);padding:10px}
.pagehead{background:var(--navy);color:#fff;padding:36px 0 30px}
.pagehead h1{font-size:clamp(28px,4vw,42px);line-height:1.15;margin:6px 0 0;letter-spacing:-.4px}
.crumbs{font-size:14px;color:#c9d5e2}
.crumbs a{color:#fff}
.content{padding:30px 0 50px}
.grid{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:40px}
.prose{max-width:740px}
.prose h2{font-size:26px;line-height:1.25;color:var(--navy);margin:38px 0 10px;padding-top:6px}
.prose h2::before{content:"";display:block;width:44px;height:4px;background:var(--poppy);border-radius:2px;margin-bottom:12px}
.prose ul,.prose ol{padding-left:24px}
.prose li{margin:6px 0}
.notice{background:#fff;border:1px solid var(--line);border-left:6px solid var(--navy);border-radius:10px;padding:14px 18px;font-size:15.5px;margin:0 0 22px}
.notice strong{color:var(--navy)}
.fig{margin:26px 0}
.fig img{display:block;width:100%;border-radius:10px}
.side{position:relative}
.side .box{position:sticky;top:90px;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px}
.side h3{margin:0 0 8px;color:var(--navy);font-size:19px}
.side ul{padding-left:18px;margin:8px 0 0;font-size:15.5px}
.price{font-size:30px;font-weight:800;color:var(--navy)}
.price small{font-size:15px;font-weight:600;color:var(--muted)}
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;margin:10px 0;padding:0 16px}
.faq summary{cursor:pointer;font-weight:700;padding:14px 0;color:var(--navy);list-style-position:outside}
.faq details[open] summary{border-bottom:1px solid var(--line);margin-bottom:8px}
.faq details p{margin:0 0 14px}
.form-card{background:#fff;border:2px solid var(--navy);border-radius:var(--r);padding:24px;margin:30px 0;scroll-margin-top:90px}
.form-card h2{margin-top:0}
.form-card h2::before{display:none}
.form-card .sub{color:var(--muted);margin-top:-4px}
.f{margin:0 0 16px}
.f label,.f .lab{display:block;font-weight:700;margin-bottom:6px;color:var(--navy)}
.f .opt{font-weight:400;color:var(--muted);font-size:14px}
.f input[type=text],.f input[type=email],.f input[type=tel],.f select,.f textarea{width:100%;font:inherit;padding:11px 12px;border:2px solid #cfc3ae;border-radius:9px;background:#fff;color:var(--ink)}
.f textarea{min-height:96px;resize:vertical}
.f input:focus,.f select:focus,.f textarea:focus{border-color:var(--navy);outline:none;box-shadow:0 0 0 3px rgba(217,87,43,.3)}
.radios{display:flex;gap:12px;flex-wrap:wrap}
.radios label{display:flex;align-items:center;gap:8px;border:2px solid #cfc3ae;border-radius:9px;padding:9px 14px;font-weight:600;cursor:pointer;margin:0}
.radios input{width:18px;height:18px;accent-color:var(--poppy)}
.chk{display:flex;gap:10px;align-items:flex-start;font-size:15.5px}
.chk input{width:20px;height:20px;margin-top:3px;accent-color:var(--poppy);flex:0 0 20px}
.err{display:none;color:var(--err);font-size:14px;margin-top:5px;font-weight:600}
.invalid .err{display:block}
.invalid input,.invalid select,.invalid textarea{border-color:var(--err)}
.note{font-size:15px;color:var(--muted);margin:10px 0 0}
.msg{margin-top:14px;font-weight:600}
.msg.ok{color:var(--ok)}
.msg.bad{color:var(--err)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:14px;margin:20px 0}
.card{display:block;background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px;text-decoration:none;color:var(--ink)}
.card strong{display:block;color:var(--navy);font-size:17.5px;margin-bottom:4px}
.card span{font-size:15px;color:var(--muted)}
.card:hover{border-color:var(--poppy);color:var(--ink)}
.cta-band{background:var(--navy);color:#fff;border-radius:var(--r);padding:24px;display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;margin:34px 0 0}
.cta-band h2{margin:0;color:#fff;font-size:22px}
.cta-band h2::before{display:none}
.cta-band p{margin:4px 0 0;color:#dfe7f0}
.foot{background:var(--navy2);color:#c9d5e2;padding:40px 0 30px;font-size:15px}
.foot a{color:#fff}
.foot .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
.foot h4{color:#fff;margin:0 0 10px;font-size:16px}
.foot ul{list-style:none;padding:0;margin:0}
.foot li{margin:6px 0}
.foot .disc{border-top:1px solid rgba(255,255,255,.12);margin-top:28px;padding-top:18px;font-size:14px}
.draft{background:#fff4d6;border:1px solid #e8c766;border-radius:10px;padding:12px 16px;font-weight:600}
@media (max-width:920px){.grid{grid-template-columns:1fr}.side .box{position:static}.nav{display:none}.menu-btn{display:block}.foot .cols{grid-template-columns:1fr}}
@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important}}