:root{--navy: #0f2a43;--navy-deep: #0a1e31;--water: #1c6ea4;--water-light: #e8f2f9;--accent: #e8663c;--accent-dark: #cc4f28;--ink: #1a2430;--ink-soft: #4a5867;--line: #dde5ec;--bg: #ffffff;--bg-alt: #f5f8fa;--max: 68rem;--radius: 10px;font-size:17px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;-webkit-font-smoothing:antialiased}h1,h2,h3{line-height:1.2;color:var(--navy);letter-spacing:-.01em}h1{font-size:clamp(1.9rem,4.5vw,2.9rem);margin:0 0 .6em}h2{font-size:clamp(1.4rem,3vw,1.9rem);margin:2em 0 .6em}h3{font-size:1.15rem;margin:1.6em 0 .4em}p,li{color:var(--ink)}a{color:var(--water)}img{max-width:100%;height:auto}.wrap{max-width:var(--max);margin:0 auto;padding:0 1.25rem}.prose{max-width:46rem}.prose ul{padding-left:1.2rem}.prose li{margin:.35em 0}.site-header{background:var(--navy);color:#fff;padding:.85rem 0;position:sticky;top:0;z-index:50;box-shadow:0 1px #ffffff14,0 2px 12px #0a1e3140}.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem}.brand{color:#fff;text-decoration:none;font-weight:700;font-size:1.05rem;letter-spacing:.01em}.brand span{color:#9cc7e8;font-weight:500}.nav{display:flex;gap:1.1rem;align-items:center}.nav a{color:#d7e6f3;text-decoration:none;font-size:.92rem}.nav a:hover{color:#fff}.btn{display:inline-block;background:var(--accent);color:#fff!important;text-decoration:none;font-weight:700;padding:.8rem 1.5rem;border-radius:var(--radius);box-shadow:0 2px 10px #e8663c59}.btn:hover{background:var(--accent-dark)}.btn.secondary{background:transparent;color:var(--water)!important;border:2px solid var(--water);box-shadow:none}.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-deep) 60%,#123a5c 100%);color:#fff;padding:3.5rem 0 3rem}.hero h1{color:#fff;max-width:44rem}.hero p.lead{color:#c9dcec;font-size:1.15rem;max-width:40rem;margin:.5rem 0 1.6rem}.hero .cta-row{display:flex;gap:.9rem;flex-wrap:wrap;align-items:center}.hero .trust{margin-top:1.4rem;color:#8fb4d4;font-size:.88rem}.grid{display:grid;gap:1.1rem;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));margin:1.5rem 0}.card{background:var(--bg);border:1px solid var(--line);border-radius:var(--radius);padding:1.25rem 1.25rem 1.1rem}.card h3{margin:0 0 .35em}.card p{margin:0;color:var(--ink-soft);font-size:.95rem}.card a.more{display:inline-block;margin-top:.6rem;font-size:.92rem;font-weight:600}.section{padding:2.75rem 0}.section.alt{background:var(--bg-alt)}.callout{background:var(--water-light);border-left:4px solid var(--water);border-radius:0 var(--radius) var(--radius) 0;padding:1rem 1.25rem;margin:1.5rem 0}.callout.warn{background:#fdf0e9;border-left-color:var(--accent)}.steps{counter-reset:step;padding:0;margin:1.5rem 0;list-style:none}.steps li{counter-increment:step;position:relative;padding:0 0 1.1rem 3rem}.steps li:before{content:counter(step);position:absolute;left:0;top:0;width:2.1rem;height:2.1rem;background:var(--water);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.95rem}table{border-collapse:collapse;width:100%;margin:1.25rem 0;font-size:.95rem}th,td{text-align:left;padding:.6rem .8rem;border-bottom:1px solid var(--line)}th{background:var(--bg-alt);color:var(--navy)}details{border:1px solid var(--line);border-radius:var(--radius);padding:.9rem 1.1rem;margin:.6rem 0}details summary{font-weight:600;cursor:pointer;color:var(--navy)}details[open] summary{margin-bottom:.5rem}.site-footer{background:var(--navy-deep);color:#b9cbda;padding:2.5rem 0 2rem;margin-top:3.5rem;font-size:.9rem}.site-footer a{color:#d7e6f3}.site-footer .disclosure{border-top:1px solid rgba(255,255,255,.12);margin-top:1.5rem;padding-top:1.25rem;font-size:.84rem;color:#8fa6b8;max-width:52rem}.footer-cols{display:grid;gap:1.5rem;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}.footer-cols h4{color:#fff;margin:0 0 .5rem;font-size:.95rem}.footer-cols ul{list-style:none;padding:0;margin:0}.footer-cols li{margin:.3rem 0}.callbar{display:none;position:fixed;bottom:0;left:0;right:0;z-index:60;background:var(--accent);text-align:center;padding:.9rem}.callbar a{color:#fff;font-weight:800;text-decoration:none;font-size:1.05rem}@media(max-width:720px){.callbar.enabled{display:block}body.has-callbar{padding-bottom:3.6rem}.nav{display:none}}.crumb{font-size:.85rem;color:var(--ink-soft);margin:1.25rem 0 0}.crumb a{color:var(--ink-soft)}