:root{--ink:#1c2340;--mute:#5d6478;--paper:#fbf8f2;--card:#fff;--line:#e8e2d6;--navy:#1e2a4a;--sun:#f2a541;--sun-d:#c97b12;--mint:#e7f2ec;--teal:#1f6f63}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.65 "Lexend",system-ui,-apple-system,"Segoe UI",sans-serif}
a{color:var(--teal)}h1,h2,h3{font-family:"Young Serif",Georgia,serif;font-weight:400;line-height:1.2;color:var(--navy)}h1{font-size:clamp(30px,4.4vw,46px);margin:.2em 0 .35em}
h2{font-size:clamp(23px,2.8vw,30px);margin:1.6em 0 .5em}h3{font-size:20px;margin:1.2em 0 .4em}
.wrap{max-width:1080px;margin:0 auto;padding:0 18px}.narrow{max-width:760px}
header.top{background:var(--navy);color:#fff}header.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:14px;min-height:62px}
.brand{color:#fff;text-decoration:none;font-family:"Young Serif",Georgia,serif;font-size:21px;display:flex;align-items:center;gap:9px}
.brand i{width:28px;height:28px;border-radius:8px;background:var(--sun);display:inline-grid;place-items:center;color:var(--navy);font-style:normal;font-size:16px}
nav.main a{color:#dfe4f2;text-decoration:none;margin-left:16px;font-size:15px}nav.main a:hover{color:#fff}
.btn{display:inline-block;background:var(--sun);color:var(--navy);font-weight:600;padding:12px 20px;border-radius:12px;text-decoration:none;border:0;font:inherit;font-weight:600;cursor:pointer}
.btn:hover{background:#f6b65f}.btn.ghost{background:transparent;border:2px solid var(--sun);color:var(--sun)}
.hero{background:linear-gradient(160deg,var(--navy),#2b3c69);color:#eef1fa;padding:44px 0 50px}.hero h1{color:#fff}.hero p.lead{font-size:19px;max-width:640px;color:#d7ddef}
.hero .eyebrow{color:var(--sun);font-size:14px;letter-spacing:.06em;text-transform:uppercase}
.crumbs{font-size:14px;color:var(--mute);margin:16px 0 0}.crumbs a{color:var(--mute)}.hero .crumbs,.hero .crumbs a{color:#b8c1da}
.grid{display:grid;gap:14px}.g2{grid-template-columns:repeat(2,minmax(0,1fr))}.g3{grid-template-columns:repeat(3,minmax(0,1fr))}.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:18px 20px}
.tile{display:block;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:14px 16px;text-decoration:none;color:var(--ink)}
.tile:hover{border-color:var(--sun);box-shadow:0 4px 18px rgba(30,42,74,.08)}.tile b{display:block;color:var(--navy)}.tile span{font-size:14px;color:var(--mute)}
.facts li{margin:.45em 0}.src{font-size:13px;color:var(--mute)}.src a{color:var(--mute)}
table{width:100%;border-collapse:collapse;font-size:15.5px}th,td{text-align:left;padding:9px 10px;border-bottom:1px solid var(--line);vertical-align:top}th{font-size:13px;color:var(--mute);font-weight:600}
.tw{overflow-x:auto}.pill{display:inline-block;font-size:12.5px;padding:2px 9px;border-radius:99px;background:var(--mint);color:var(--teal);margin:2px 3px 2px 0}
.form{background:var(--card);border:2px solid var(--sun);border-radius:18px;padding:20px 22px}.form h2{margin-top:0}
.form label{display:block;font-size:14px;color:var(--mute);margin:10px 0 4px}.form input,.form select,.form textarea{width:100%;font:inherit;font-size:16px;padding:10px 12px;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--ink)}
.form textarea{min-height:80px}.form .row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}.form .chk{display:flex;gap:9px;align-items:flex-start;font-size:14px;color:var(--mute);margin:12px 0}
.form .chk input{width:auto;margin-top:5px}.form .msg{color:#b3261e;font-size:14px;margin-top:8px}.form .hp{position:absolute;left:-5000px}
.done{background:var(--mint);border-radius:14px;padding:16px;color:var(--teal)}
.split{display:grid;grid-template-columns:1.35fr 1fr;gap:28px;align-items:start}.sticky{position:sticky;top:16px}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:12px 16px;margin:8px 0}.faq summary{cursor:pointer;font-weight:600;color:var(--navy)}
.cta-band{background:var(--navy);color:#e6eaf6;border-radius:18px;padding:26px;margin:34px 0;display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap}.cta-band h2{color:#fff;margin:0}
footer{margin-top:50px;background:#151d36;color:#aab3cc;font-size:14px;padding:30px 0}footer a{color:#cfd6ea}footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:20px}
.note{background:#fff7e8;border-left:4px solid var(--sun);padding:12px 14px;border-radius:8px;font-size:15px}
.stick-cta{display:none}
@media (max-width:860px){.split,.g2,.g3,.g4,footer .cols{grid-template-columns:1fr}.g4.keep2,.g3.keep2{grid-template-columns:1fr 1fr}nav.main{display:none}
.stick-cta{display:block;position:fixed;left:12px;right:12px;bottom:12px;z-index:9;text-align:center;box-shadow:0 6px 20px rgba(0,0,0,.25)}.form .row2{grid-template-columns:1fr}.sticky{position:static}}