:root{--navy:#102a43;--navy2:#1b3a57;--brand:#1769aa;--brand2:#0f548c;--accent:#f4b400;--accent2:#d99f00;--mist:#f4f7fa;--ink:#1f2933;--muted:#52606d;--line:#d9e2ec;--danger:#b42318;--ok:#067647;--r:16px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);line-height:1.6;background:#fff;-webkit-font-smoothing:antialiased}
img,svg,iframe{max-width:100%}
h1,h2,h3{color:var(--navy);line-height:1.15;letter-spacing:-.02em;margin:0 0 .5em}
h1{font-size:clamp(2rem,5vw,3.6rem)}h2{font-size:clamp(1.6rem,3.2vw,2.3rem)}h3{font-size:1.2rem}
a{color:var(--brand)}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
.wrap{width:100%;max-width:1120px;margin:0 auto;padding:0 20px}
.section{padding:64px 0}.alt{background:var(--mist)}.dark{background:var(--navy);color:#fff}.dark h2,.dark h3{color:#fff}
.eyebrow{font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.12em;color:var(--brand);margin:0 0 .5rem}
.dark .eyebrow,.hero .eyebrow{color:var(--accent)}
.muted{color:var(--muted)}
.skip{position:absolute;left:-9999px;top:8px;background:var(--accent);color:var(--navy);padding:10px 16px;border-radius:8px;font-weight:700;z-index:100}
.skip:focus{left:8px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 24px;border-radius:999px;font-weight:700;font-size:1rem;text-decoration:none;border:2px solid transparent;cursor:pointer;font-family:inherit;transition:background .15s,color .15s}
.btn-accent{background:var(--accent);color:var(--navy)}.btn-accent:hover{background:var(--accent2)}
.btn-primary{background:var(--brand);color:#fff}.btn-primary:hover{background:var(--brand2)}
.btn-outline{border-color:rgba(255,255,255,.85);color:#fff}.btn-outline:hover{background:rgba(255,255,255,.12)}
.btn-dark{border-color:var(--navy);color:var(--navy)}.btn-dark:hover{background:var(--navy);color:#fff}
.btn[disabled]{opacity:.6;cursor:not-allowed}
.btn-sm{min-height:44px;padding:8px 18px}
/* top bar + header */
.topbar{background:var(--navy);color:#fff;font-size:.88rem}
.topbar .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;gap:4px 24px;padding-top:8px;padding-bottom:8px}
.topbar a{color:#fff;text-decoration:none}.topbar a:hover{text-decoration:underline}
.topbar .links{display:flex;gap:20px;flex-wrap:wrap}
header.site{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:16px;position:relative}
.logo{display:flex;align-items:center;gap:12px;text-decoration:none}
.logo b{display:block;color:var(--navy);font-size:1.1rem;font-weight:800;letter-spacing:-.01em;line-height:1.1}
.logo small{display:block;color:var(--brand);font-size:.68rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase}
nav.main ul{display:flex;align-items:center;gap:4px;list-style:none;margin:0;padding:0}
nav.main a{display:block;padding:10px 14px;border-radius:10px;font-weight:600;color:var(--navy);text-decoration:none}
nav.main a:hover,nav.main a[aria-current=page]{background:var(--mist)}
nav.main a.btn{color:var(--navy);background:var(--accent);margin-left:8px;padding:10px 20px}
.menu-btn{display:none;min-width:48px;min-height:48px;border:1px solid var(--line);background:#fff;border-radius:12px;cursor:pointer;color:var(--navy)}
@media(max-width:900px){
 .menu-btn{display:inline-flex;align-items:center;justify-content:center}
 nav.main{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-top:1px solid var(--line);box-shadow:0 12px 24px rgba(16,42,67,.12);padding:8px 20px 16px}
 nav.main.open{display:block}
 nav.main ul{flex-direction:column;align-items:stretch}
 nav.main a{padding:14px 8px;font-size:1.05rem}
 nav.main a.btn{margin:8px 0 0;text-align:center}
 .topbar .addr{display:none}
}
/* hero */
.hero{position:relative;overflow:hidden;background:var(--navy);color:#fff;padding:96px 0}
.hero h1{color:#fff;max-width:14ch}
.hero p.lead{font-size:1.2rem;max-width:36rem;color:#d9e2ec;margin:16px 0 28px}
.hero svg.bg{position:absolute;inset:0;width:100%;height:100%;opacity:.2;pointer-events:none}
.hero .wrap{position:relative}
.cta-row{display:flex;flex-wrap:wrap;gap:12px}
.page-hero{background:var(--navy);color:#fff;padding:48px 0}
.page-hero h1{color:#fff;font-size:clamp(1.9rem,4vw,2.9rem);margin:12px 0 8px}
.page-hero p{color:#d9e2ec;max-width:40rem;font-size:1.1rem;margin:0}
.crumbs{font-size:.88rem;color:#d9e2ec}.crumbs a{color:#fff}
/* grids + cards */
.grid{display:grid;gap:24px}.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.g2,.g3,.g4{grid-template-columns:1fr}.section{padding:48px 0}.hero{padding:64px 0}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:0 1px 2px rgba(16,42,67,.05)}
.card.flex{display:flex;flex-direction:column}.card.flex p.grow{flex:1}
.badge{display:inline-block;background:var(--mist);color:var(--navy);font-size:.75rem;font-weight:700;border-radius:999px;padding:4px 12px}
.card .actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:16px}
.step-n{width:40px;height:40px;border-radius:50%;background:var(--accent);color:var(--navy);display:flex;align-items:center;justify-content:center;font-weight:800;margin-bottom:12px}
.dark .step{background:rgba(255,255,255,.06);border-radius:var(--r);padding:24px}
.dark .step p{color:#d9e2ec}
.two{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
@media(max-width:800px){.two{grid-template-columns:1fr}}
.note{background:var(--mist);border:1px solid var(--line);border-radius:12px;padding:14px 18px;font-size:.92rem;color:var(--muted)}
.draft{background:#fffbeb;border:2px solid var(--accent);border-radius:12px;padding:14px 18px;font-size:.92rem;margin-bottom:28px}
dl.facts dt{font-weight:700;color:var(--navy);font-size:.9rem;margin-top:12px}dl.facts dd{margin:0;color:var(--muted)}
/* cta band */
.band{background:var(--brand);color:#fff;padding:56px 0}
.band h2{color:#fff}.band p{color:#e6f1fa;max-width:34rem;margin:0}
.band .wrap{display:flex;flex-wrap:wrap;gap:24px;justify-content:space-between;align-items:center}
/* faq */
details.faq{border-bottom:1px solid var(--line);padding:18px 4px}
details.faq summary{cursor:pointer;font-weight:700;color:var(--navy);font-size:1.08rem;list-style:none;display:flex;justify-content:space-between;gap:16px}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";color:var(--brand);font-size:1.6rem;line-height:1;transition:transform .2s}
details.faq[open] summary::after{transform:rotate(45deg)}
details.faq p{margin:12px 0 0;color:var(--muted)}
.faqbox{border:1px solid var(--line);border-radius:var(--r);padding:4px 20px;background:#fff}
/* forms */
.form{max-width:720px;margin:0 auto}
fieldset{border:0;padding:0;margin:0 0 32px;min-width:0}
legend{font-size:1.3rem;font-weight:800;color:var(--navy);margin-bottom:16px;padding:0}
.field{margin-bottom:20px}
label.lbl{display:block;font-weight:700;color:var(--navy);font-size:.92rem;margin-bottom:6px}
.opt{font-weight:400;color:var(--muted)}.req{color:var(--danger)}
input[type=text],input[type=email],input[type=tel],input[type=date],select,textarea{width:100%;min-height:48px;padding:10px 14px;border:1px solid #7b8794;border-radius:12px;font:inherit;color:var(--ink);background:#fff}
textarea{min-height:100px;resize:vertical}
input:focus,select:focus,textarea:focus{border-color:var(--brand)}
[aria-invalid=true]{border-color:var(--danger)!important;background:#fff8f7}
.help{font-size:.88rem;color:var(--muted);margin:6px 0 0}
.err{font-size:.9rem;font-weight:600;color:var(--danger);margin:6px 0 0}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:20px}@media(max-width:640px){.row2{grid-template-columns:1fr}}
.check{display:flex;gap:12px;align-items:flex-start;font-size:.95rem}
.check input{width:24px;height:24px;margin-top:2px;flex:none;accent-color:var(--brand)}
.guardian{background:#fffbeb;border:2px solid var(--accent);border-radius:var(--r);padding:20px;margin-bottom:32px}
.summary{border:2px solid var(--danger);background:#fff8f7;color:var(--danger);border-radius:12px;padding:14px 18px;margin-bottom:24px}
.summary ul{margin:8px 0 0;padding-left:20px;font-size:.92rem}.summary a{color:var(--danger)}
.okbox{border:2px solid var(--ok);background:#f0fdf4;border-radius:var(--r);padding:20px}
.hp{position:absolute!important;left:-9999px;width:1px;height:1px;overflow:hidden}
/* footer */
footer.site{background:var(--navy);color:#cbd5e0;font-size:.95rem}
footer.site .wrap.top{display:grid;grid-template-columns:2fr 1fr 1fr;gap:40px;padding-top:56px;padding-bottom:40px}
@media(max-width:800px){footer.site .wrap.top{grid-template-columns:1fr}}
footer.site h2{color:#fff;font-size:1rem;margin-bottom:12px}
footer.site a{color:#cbd5e0}footer.site a:hover{color:#fff}
footer.site ul{list-style:none;margin:0;padding:0}footer.site li{margin:6px 0}
footer.site address{font-style:normal}
.social{display:flex;gap:10px;flex-wrap:wrap;margin-top:16px}
.social a{display:inline-flex;align-items:center;min-height:44px;padding:0 16px;border-radius:999px;background:rgba(255,255,255,.1);color:#fff;text-decoration:none;font-weight:600;font-size:.9rem}
footer.site .legal{border-top:1px solid rgba(255,255,255,.12)}
footer.site .legal .wrap{display:flex;flex-wrap:wrap;gap:8px 24px;justify-content:space-between;padding-top:18px;padding-bottom:18px;font-size:.82rem}
footer.site .legal ul{display:flex;gap:6px 20px;flex-wrap:wrap}
.prose{max-width:760px}.prose h2{margin-top:2rem;font-size:1.5rem}.prose li{margin:4px 0}
.map{width:100%;height:320px;border:1px solid var(--line);border-radius:var(--r)}
.consent{position:fixed;left:0;right:0;bottom:0;background:#fff;border-top:1px solid var(--line);box-shadow:0 -8px 24px rgba(16,42,67,.15);padding:16px 0;z-index:90}
.consent .wrap{display:flex;gap:16px;flex-wrap:wrap;justify-content:space-between;align-items:center}
.consent p{margin:0;font-size:.92rem;max-width:44rem}
.center{text-align:center}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}