:root{--blue:#0b4f8a;--blue-d:#083a66;--ink:#1b2430;--muted:#55606e;--bg:#fff;--soft:#eef4fa;--line:#d7e1ec;--accent:#f59e0b;--accent-d:#d97706}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:18px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);padding-bottom:76px}
@media(min-width:900px){body{padding-bottom:0}}
a{color:var(--blue)}
h1,h2,h3{line-height:1.2;color:var(--blue-d)}
h1{font-size:clamp(1.8rem,4.5vw,2.6rem);margin:0 0 .5rem;color:#fff}
h2{font-size:1.45rem;margin:2rem 0 .6rem}
h3{font-size:1.15rem;margin:1.2rem 0 .4rem}
.wrap{max-width:1080px;margin:0 auto;padding:0 16px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:99}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.hdr{display:flex;align-items:center;gap:12px;min-height:64px;flex-wrap:wrap}
.logo{display:flex;align-items:center;gap:8px;font-weight:800;text-decoration:none;color:var(--blue-d);font-size:1.05rem;margin-right:auto}
.menu-toggle{border:1px solid var(--line);background:#fff;border-radius:8px;padding:8px 14px;font:inherit;font-size:16px;cursor:pointer}
.nav{display:none;width:100%}
.nav.open{display:block}
.nav ul{list-style:none;margin:0;padding:0}
.nav>ul>li>a{display:block;padding:10px 4px;text-decoration:none;font-weight:600;color:var(--ink)}
.nav .sub a{display:block;padding:6px 16px;text-decoration:none;color:var(--muted);font-size:16px}
.btn.hdr-call{display:none}
@media(min-width:900px){
 .menu-toggle{display:none}
 .nav{display:block;width:auto}
 .nav>ul{display:flex;gap:18px}
 .nav .has-sub{position:relative}
 .nav .sub{display:none;position:absolute;top:100%;left:-12px;background:#fff;border:1px solid var(--line);border-radius:8px;padding:8px 0;min-width:240px;box-shadow:0 8px 24px rgba(0,0,0,.08)}
 .nav .has-sub:hover .sub,.nav .has-sub:focus-within .sub{display:block}
 .btn.hdr-call{display:inline-flex}
}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--accent);color:#1b1300;font-weight:800;text-decoration:none;border-radius:10px;padding:12px 20px;min-height:48px}
.btn:hover,.btn:focus{background:var(--accent-d)}
.btn-sm{padding:8px 14px;min-height:44px;font-size:16px}
.btn-lg{font-size:1.15rem;padding:14px 24px;min-height:56px}
.btn-block{width:100%}
.hero{background:linear-gradient(135deg,var(--blue-d),var(--blue));color:#e8f1fa;padding:40px 0 36px}
.lead{font-size:1.15rem;max-width:720px;margin:0 0 1.2rem}
.hero-cta{display:flex;flex-wrap:wrap;align-items:center;gap:14px}
.hero-note{font-size:15px;max-width:360px;color:#cfe0f0}
.crumbs{font-size:15px;color:var(--muted);padding-top:14px;padding-bottom:0}
.content{padding-top:8px;padding-bottom:40px;max-width:820px}
.content ul,.content ol{padding-left:1.3rem}
.content li{margin:.25rem 0}
.cards{display:grid;grid-template-columns:1fr;gap:14px;margin:1rem 0}
@media(min-width:640px){.cards{grid-template-columns:1fr 1fr}}
.card{border:1px solid var(--line);border-radius:12px;padding:14px 16px;background:var(--soft)}
.card h3{margin-top:0}
.card p{margin:0;font-size:16px}
.link-list{columns:2;column-gap:24px;padding-left:1.1rem}
@media(max-width:480px){.link-list{columns:1}}
.related{border-top:1px solid var(--line);margin-top:2rem}
.faq details{border:1px solid var(--line);border-radius:10px;padding:10px 14px;margin:8px 0;background:#fff}
.faq summary{font-weight:700;cursor:pointer}
.cta-box{background:var(--soft);border:1px solid var(--line);border-radius:14px;padding:20px;margin-top:2rem;text-align:center}
.cta-box h2{margin-top:0}
.note{background:#fff8e6;border-left:4px solid var(--accent);padding:10px 14px;border-radius:6px}
.site-footer{background:#0d1b2a;color:#c7d3df;padding:32px 0 16px;font-size:16px}
.site-footer a{color:#e6eef6}
.site-footer .cols{display:grid;grid-template-columns:1fr;gap:20px}
@media(min-width:760px){.site-footer .cols{grid-template-columns:2fr 1fr 1fr 1fr}}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin:4px 0}
.f-brand{font-weight:800;color:#fff;font-size:1.1rem;margin-top:0}
.f-h{font-weight:700;color:#fff;margin-top:0}
.small{font-size:14px;color:#8fa1b3;margin-top:20px}
.call-bar{position:fixed;left:0;right:0;bottom:0;padding:10px 16px;background:rgba(255,255,255,.97);border-top:1px solid var(--line);z-index:60}
@media(min-width:900px){.call-bar{display:none}}
table{border-collapse:collapse;width:100%;font-size:16px}
th,td{border:1px solid var(--line);padding:8px;text-align:left}
/* v2: hero with trust chips, short form and photo */
.hero{padding:28px 0 32px}
.hero-grid{display:grid;grid-template-columns:1fr;gap:24px;align-items:center}
@media(min-width:900px){.hero-grid.has-img{grid-template-columns:1.1fr .9fr}.hero{padding:44px 0 48px}}
.lead{font-size:1.12rem;margin:0 0 1rem}
.btn-xl{font-size:1.25rem;padding:16px 26px;min-height:60px;width:100%;box-shadow:0 6px 18px rgba(0,0,0,.25)}
@media(min-width:640px){.btn-xl{width:auto}}
.trust{list-style:none;padding:0;margin:14px 0 0;display:flex;flex-wrap:wrap;gap:6px 14px;font-size:15px;color:#e8f1fa}
.trust li{display:flex;align-items:center;gap:6px}
.trust svg{color:#7fd1a1;flex:none}
.qform{margin-top:18px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);border-radius:12px;padding:12px 14px;display:grid;grid-template-columns:1fr 1fr;gap:8px 10px;max-width:520px}
.qform-h{grid-column:1/-1;margin:0;font-weight:700;font-size:15px;color:#fff}
.qform label{display:flex;flex-direction:column;font-size:13px;color:#cfe0f0;gap:2px}
.qform .wide{grid-column:1/-1}
.qform input{font:inherit;font-size:16px;padding:8px 10px;border-radius:8px;border:1px solid #9fb8d0;min-height:42px;color:var(--ink)}
.btn-ghost{grid-column:1/-1;font:inherit;font-size:15px;font-weight:700;background:transparent;color:#fff;border:1.5px solid #fff;border-radius:8px;min-height:44px;cursor:pointer}
.btn-ghost:hover,.btn-ghost:focus{background:rgba(255,255,255,.12)}
.hero-media{margin:0}
.hero-img{display:block;width:100%;height:auto;border-radius:14px;box-shadow:0 10px 30px rgba(0,0,0,.3);aspect-ratio:4/3;object-fit:cover}
.call-bar .btn{font-size:1.1rem;min-height:54px}
.hero-grid>*{min-width:0}.qform input{min-width:0;width:100%}
.hp{position:absolute!important;left:-9999px;width:1px;height:1px;opacity:0}
.form-msg{grid-column:1/-1;margin:4px 0 0;font-size:14px;font-weight:600}
.form-msg:empty{display:none}
.qform .form-msg{color:#fff}
.form-msg.err{color:#b3261e}.qform .form-msg.err{color:#ffd2cc}
.form-done{grid-column:1/-1;margin:0;font-size:16px;font-weight:700}
.qform .form-done{color:#fff}