:root{--ink:#14202b;--muted:#5a6772;--bg:#f6f7f8;--card:#fff;--brand:#0f6e8c;--brand2:#e8a33d;--line:#e2e6ea;--r:12px}
*{box-sizing:border-box}body{margin:0;font:16px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--brand)}h1,h2,h3{line-height:1.2}h1{font-size:clamp(1.8rem,4vw,2.6rem);margin:.2em 0 .4em}h2{font-size:1.4rem;margin:1.6em 0 .5em}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.top{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.bar{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px;flex-wrap:wrap}
.logo{font-weight:800;color:var(--ink);text-decoration:none;font-size:1.1rem}.logo::before{content:"";display:inline-block;width:14px;height:14px;border-radius:3px;background:linear-gradient(135deg,var(--brand),var(--brand2));margin-right:8px;vertical-align:-1px}
nav{display:flex;gap:18px;align-items:center;flex-wrap:wrap}nav a{text-decoration:none;color:var(--ink);font-weight:500}
.btn{display:inline-block;background:var(--brand2);color:#1b1206;font-weight:700;padding:12px 20px;border-radius:999px;text-decoration:none;border:0;cursor:pointer;font-size:1rem}
.btn:hover{filter:brightness(.95)}.btn-sm{padding:8px 14px;font-size:.9rem}.btn-ghost{background:transparent;border:2px solid #fff;color:#fff}
.hero{background:linear-gradient(135deg,#0d3b4f,#0f6e8c);color:#fff;padding:48px 0}.hero a:not(.btn){color:#ffe2b3}.hero.small{padding:32px 0}
.hero .muted,.hero .fine{color:#d5e6ee}.grid2{display:grid;grid-template-columns:1.2fr 1fr;gap:40px;align-items:start}
.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:.8rem;color:#bfe3f0;margin:0}.lead{font-size:1.15rem}
.ticks{list-style:none;padding:0}.ticks li::before{content:"✓ ";color:var(--brand2);font-weight:800}
.quote{background:var(--card);color:var(--ink);border-radius:var(--r);padding:24px;box-shadow:0 10px 30px rgba(0,0,0,.18)}
.quote h2{margin-top:0;font-size:1.3rem}.quote label{display:block;font-size:.9rem;font-weight:600;margin:10px 0}
.quote input,.quote select,.quote textarea{display:block;width:100%;margin-top:4px;padding:10px;border:1px solid #c9d1d8;border-radius:8px;font:inherit}
.quote .consent{font-weight:400;display:flex;gap:8px;align-items:flex-start}.quote .consent input{width:auto;margin-top:5px}
.quote .btn{width:100%;margin-top:8px}.quote .muted{color:var(--muted)}.quote .fine{color:var(--muted)}.hp{position:absolute;left:-9999px}
.fine{font-size:.82rem;color:var(--muted)}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:20px;text-decoration:none;color:var(--ink)}.card:hover{border-color:var(--brand)}
.card h3{margin:0 0 .4em;color:var(--brand)}.card span{font-weight:600;color:var(--brand)}
.steps{padding-left:1.2em}.steps li{margin:.5em 0}
.pills{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:10px}.pills a{display:block;background:#fff;border:1px solid var(--line);padding:8px 14px;border-radius:999px;text-decoration:none}
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 16px;margin:8px 0}.faq summary{font-weight:600;cursor:pointer}
.prose{max-width:780px;padding-top:32px;padding-bottom:32px}.crumbs{font-size:.85rem;margin:0}
footer{background:#0d1a22;color:#c5d0d8;margin-top:56px;padding:28px 0 90px;font-size:.9rem}footer a{color:#fff}.disclosure{border-left:3px solid var(--brand2);padding-left:12px}
.callbar{display:none}
@media(max-width:820px){.grid2{grid-template-columns:1fr}nav a:not(.btn){display:none}.callbar{display:block;position:fixed;left:12px;right:12px;bottom:12px;text-align:center;z-index:9;box-shadow:0 6px 20px rgba(0,0,0,.25)}}
.hero .quote a{color:var(--brand)}
.guide h2{margin-top:1.8em}.guide h3{font-size:1.1rem;margin:1.3em 0 .3em}.byline{color:var(--muted);font-size:.9rem;margin-top:0}
.note{background:#eef6f9;border-left:3px solid var(--brand);padding:10px 14px;border-radius:6px;font-size:.95rem}
.cmp{width:100%;border-collapse:collapse;background:#fff;font-size:.95rem;margin:1em 0}.cmp th,.cmp td{border:1px solid var(--line);padding:8px 10px;text-align:left;vertical-align:top}.cmp th{background:#eef2f5}
.cta-inline{margin:1.6em 0;text-align:center}.sources ul{font-size:.92rem}.guide-form{margin-top:32px}
@media(max-width:820px){.cmp{font-size:.85rem}.cmp th,.cmp td{padding:6px}}