:root{--lf:#123F73;--la:#1E73BE;--lt:#0B1F3A;--ls:#64748B;--navy:#0B1F3A;--blue:#123F73;--acc:#1E73BE;--bg:#fff;--alt:#F5F7FA;--tx:#172033;--mu:#64748B;--bd:#E2E8F0;--gold:#C9A227;box-sizing:border-box;padding-top:env(safe-area-inset-top,0px);padding-bottom:env(safe-area-inset-bottom,0px)}
@media(prefers-color-scheme:dark){:root:not([data-theme="light"]){--bg:#0d1626;--alt:#111d31;--tx:#e6ecf5;--mu:#94a3b8;--bd:#22324b;--lf:#fff;--la:#7fb8ea;--lt:#fff;--ls:#b9c8dc}}
:root[data-theme="dark"]{--bg:#0d1626;--alt:#111d31;--tx:#e6ecf5;--mu:#94a3b8;--bd:#22324b;--lf:#fff;--la:#7fb8ea;--lt:#fff;--ls:#b9c8dc}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:calc(76px + env(safe-area-inset-top,0px))}
body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--tx);background:var(--bg);line-height:1.6}
a{color:inherit;text-decoration:none}.w{max-width:1240px;margin:0 auto;padding:0 20px}
section{padding:72px 0}.alt{background:var(--alt)}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;color:var(--navy);line-height:1.2;margin:0 0 12px}
@media(prefers-color-scheme:dark){:root:not([data-theme="light"]) h1,:root:not([data-theme="light"]) h2,:root:not([data-theme="light"]) h3{color:#fff}}
h1{font-size:clamp(2rem,5vw,3.4rem)}h2{font-size:clamp(1.6rem,3.2vw,2.3rem)}h3{font-size:1.15rem}
p{margin:0 0 12px}.mu{color:var(--mu)}.eyebrow{font:600 .75rem/1 sans-serif;letter-spacing:.14em;text-transform:uppercase;color:var(--acc);margin-bottom:10px;display:block}
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 22px;border-radius:4px;font-weight:600;font-size:.95rem;border:1px solid var(--acc);background:var(--acc);color:#fff;cursor:pointer;transition:.2s;min-height:46px}
.btn:hover{background:var(--blue);border-color:var(--blue)}.btn.o{background:transparent;color:inherit;border-color:currentColor}.btn.o:hover{background:rgba(255,255,255,.1)}
.btn.wa{background:#1a8f4c;border-color:#1a8f4c}.btn.wa:hover{background:#14703b}
header{position:sticky;top:0;z-index:50;background:var(--bg);border-bottom:1px solid var(--bd);box-shadow:0 2px 8px rgba(11,31,58,.06);padding-top:env(safe-area-inset-top,0px)}
header.s{box-shadow:0 2px 10px rgba(11,31,58,.1)}.hb{display:flex;align-items:center;justify-content:space-between;height:68px;gap:14px}
.logo .lg{height:46px;width:201px;display:block}.lg .fr{stroke:var(--lf)}.lg .ac{stroke:var(--la)}.lg .lg-t{fill:var(--lt)}.lg .lg-s{fill:var(--ls)}.lg.lw .fr,.lg.lw .ac{stroke:#fff}.lg.lw .lg-t,.lg.lw .lg-s{fill:#fff}footer .logo{margin-bottom:14px}footer .logo .lg{height:54px;width:236px}@media(max-width:480px){.logo .lg{height:38px;width:166px}}.logo{display:flex;align-items:center;gap:10px}.logo b{font:700 1.3rem Georgia,serif;color:var(--navy);display:block;line-height:1}.logo small{font-size:.6rem;letter-spacing:.1em;text-transform:uppercase;color:var(--mu)}
@media(prefers-color-scheme:dark){:root:not([data-theme="light"]) .logo b{color:#fff}}
nav.d{display:none;gap:20px;font-size:.88rem;font-weight:500}nav.d a{padding:6px 0;border-bottom:2px solid transparent;transition:.2s}nav.d a:hover,nav.d a.on{border-color:var(--acc);color:var(--acc)}
.hbtn{display:none}.burger{background:none;border:1px solid var(--bd);width:44px;height:44px;border-radius:4px;color:var(--tx);cursor:pointer}
#mm{display:none;border-top:1px solid var(--bd);padding:10px 20px 18px}#mm a{display:block;padding:12px 0;border-bottom:1px solid var(--bd);font-weight:500}
@media(min-width:1040px){nav.d{display:flex}.hbtn{display:inline-flex}.burger,#mm{display:none!important}.mwa{display:none!important}}
.hero{background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;position:relative;overflow:hidden;padding:84px 0 56px}
.hero svg.bg{position:absolute;right:-60px;top:0;height:100%;opacity:.12;pointer-events:none}.hero h1{color:#fff}
.hg{display:grid;gap:36px;position:relative}@media(min-width:900px){.hg{grid-template-columns:1.3fr .8fr;align-items:center}}
.tags{color:#9cc4ec;font-weight:500;margin:14px 0}.cta{display:flex;flex-wrap:wrap;gap:12px;margin:22px 0}
.panel{border:1px solid rgba(255,255,255,.2);padding:24px;background:rgba(255,255,255,.05)}.panel li{margin:8px 0;list-style:none;padding-left:22px;position:relative;font-size:.92rem}.panel li:before{content:"";position:absolute;left:0;top:.6em;width:10px;height:2px;background:var(--gold)}
.dis{font-size:.8rem;color:#b9c8dc;border-top:1px solid rgba(255,255,255,.18);padding-top:14px;margin-top:30px}
.grid{display:grid;gap:18px}.g2{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}.g4{grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}.g3{grid-template-columns:repeat(auto-fit,minmax(290px,1fr))}
.card{border:1px solid var(--bd);background:var(--bg);padding:26px;transition:.25s;display:flex;flex-direction:column}.card:hover{border-color:var(--acc);transform:translateY(-3px)}
.alt .card{background:var(--bg)}.ic{width:40px;height:40px;color:var(--acc);margin-bottom:14px}.num{font:600 .8rem sans-serif;color:var(--gold);letter-spacing:.1em}
.lm{margin-top:auto;padding-top:10px;color:var(--acc);font-weight:600;font-size:.9rem}.lm:after{content:" →"}
.sh{max-width:720px;margin-bottom:36px}.steps{display:grid;gap:22px;counter-reset:s}@media(min-width:900px){.steps{grid-template-columns:repeat(4,1fr)}.step:not(:last-child):after{content:"";position:absolute;top:22px;left:60px;right:-12px;height:1px;background:var(--bd)}}
.step{position:relative}.step .n{width:46px;height:46px;border:1px solid var(--acc);display:grid;place-items:center;font:700 .95rem Georgia,serif;color:var(--acc);background:var(--bg);margin-bottom:12px;position:relative;z-index:1}
.chips{display:flex;flex-wrap:wrap;gap:10px}.chip{border:1px solid var(--bd);padding:8px 16px;border-radius:999px;font-size:.9rem;background:var(--bg)}.chip.p{background:var(--navy);color:#fff;border-color:var(--navy)}
.two{display:grid;gap:34px}@media(min-width:900px){.two{grid-template-columns:1fr 1fr;align-items:start}}
label{display:block;font-size:.85rem;font-weight:600;margin-bottom:5px}input,select,textarea{width:100%;padding:11px 12px;border:1px solid var(--bd);border-radius:3px;font:inherit;background:var(--bg);color:var(--tx)}
input:focus,select:focus,textarea:focus,button:focus-visible,a:focus-visible{outline:2px solid var(--acc);outline-offset:2px}.f{margin-bottom:14px}
.fg{display:grid;gap:0 14px}@media(min-width:640px){.fg{grid-template-columns:1fr 1fr}}
.faq details{border-bottom:1px solid var(--bd)}.faq summary{list-style:none;cursor:pointer;padding:18px 4px;font:600 1rem Georgia,serif;display:flex;justify-content:space-between;gap:12px;min-height:48px}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";transition:transform .2s}.faq details[open] summary:after{transform:rotate(45deg)}.faq details p{padding:0 4px 16px;margin:0;color:var(--mu)}
.ph{aspect-ratio:4/5;border:1px dashed var(--mu);display:grid;place-items:center;text-align:center;color:var(--mu);font-size:.85rem;background:var(--alt);padding:20px}
.fin{background:var(--navy);color:#fff;text-align:center}.fin h2{color:#fff}.fin .cta{justify-content:center}
footer{background:#071528;color:#b9c8dc;padding:56px 0 24px;font-size:.9rem}footer h4{color:#fff;margin:0 0 10px;font-size:.85rem;letter-spacing:.1em;text-transform:uppercase}footer a{display:block;padding:3px 0}footer a:hover{color:#fff}
.fd{border-top:1px solid #1d2f4b;margin-top:30px;padding-top:18px;font-size:.78rem}
.fl{position:fixed;right:14px;bottom:calc(14px + env(safe-area-inset-bottom,0px));z-index:60;display:flex;flex-direction:column;gap:10px}.fl a{width:50px;height:50px;border-radius:50%;display:grid;place-items:center;color:#fff;box-shadow:0 4px 14px rgba(0,0,0,.25);transition:transform .2s}.fl a:hover{transform:scale(1.08)}.fl .w1{background:#1a8f4c}.fl .c1{background:#123F73}.fl .l1{background:#0A66C2}
.note{border-left:3px solid var(--gold);background:var(--alt);padding:16px 20px;font-size:.92rem}ul.bl{padding-left:20px}ul.bl li{margin:7px 0}
.fu{animation:fu .6s ease both}@keyframes fu{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}.fu{animation:none}}

/* CSS-only mobile menu */
.bgw{position:relative;width:44px;height:44px}.bgw input{position:absolute;inset:0;width:100%;height:100%;margin:0;opacity:0;cursor:pointer;z-index:2}.burger{display:grid;place-items:center;font-size:1.2rem}.bgw:has(input:focus-visible){outline:2px solid var(--acc);outline-offset:2px}header:has(#nav-toggle:checked) #mm{display:block}@media(min-width:1040px){.bgw{display:none}}