:root {
  --navy: #0f3d5e;
  --navy-dark: #0a2b43;
  --accent: #e8590c;
  --accent-dark: #c44a08;
  --ink: #1d2733;
  --muted: #5a6776;
  --line: #e2e8ef;
  --soft: #f4f7fa;
  --white: #fff;
  --radius: 10px;
  --wrap: 1120px;
}
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font: 17px/1.65 system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--white);
  padding-bottom: 64px;
}
@media (min-width: 900px) { body { padding-bottom: 0; } }
a { color: var(--navy); }
img, svg { max-width: 100%; }
h1, h2, h3 { line-height: 1.25; color: var(--navy-dark); }
h1 { font-size: clamp(1.9rem, 4.5vw, 2.8rem); margin: .3em 0 .4em; }
h2 { font-size: clamp(1.4rem, 3vw, 1.85rem); margin: 1.6em 0 .6em; }
h3 { font-size: 1.15rem; margin: 1.3em 0 .4em; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 16px; }
.section { padding: 8px 16px 24px; }
.narrow { max-width: 820px; }
.prose p, .prose li { max-width: 72ch; }
.prose ul { padding-left: 1.2em; }
.lead { font-size: 1.15rem; color: var(--muted); }
.small { font-size: .9rem; color: var(--muted); }

/* Header */
.site-header { background: var(--white); border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 20; }
.header-row { display: flex; align-items: center; gap: 16px; min-height: 64px; }
.logo { display: flex; align-items: center; gap: 8px; font-weight: 800; font-size: 1.1rem; color: var(--navy); text-decoration: none; margin-right: auto; }
.main-nav { display: none; gap: 18px; }
.main-nav a { text-decoration: none; color: var(--ink); font-weight: 500; font-size: .95rem; }
.main-nav a[aria-current] , .main-nav a:hover { color: var(--accent); }
.site-header .header-call { display: none; }
@media (min-width: 900px) { .main-nav, .site-header .header-call { display: inline-flex; } }

/* Buttons */
.btn { display: inline-flex; align-items: center; gap: 8px; background: var(--accent); color: var(--white); text-decoration: none;
  font-weight: 700; padding: 12px 20px; border-radius: var(--radius); border: 0; transition: background .15s; }
.btn:hover { background: var(--accent-dark); }
.btn-sm { padding: 8px 14px; font-size: .95rem; }
.btn-lg { padding: 16px 26px; font-size: 1.15rem; }
.btn-light { background: var(--white); color: var(--accent-dark); }
.btn-light:hover { background: #ffe8db; }

/* Hero */
.hero { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%); color: var(--white); padding: 36px 0 40px; }
.hero h1 { color: var(--white); }
.hero .lead, .hero .small { color: #d5e2ee; }
.eyebrow { text-transform: uppercase; letter-spacing: .08em; font-size: .8rem; font-weight: 700; color: #ffb38a; margin: 0; }
.hero-grid { display: grid; gap: 24px; }
.hero-actions { margin: 20px 0 8px; }
.hero-points { list-style: none; padding: 20px; margin: 0; background: rgba(255,255,255,.08); border-radius: var(--radius); align-self: center; }
.hero-points li { display: flex; gap: 10px; align-items: flex-start; padding: 6px 0; }
.hero-points svg { color: #7fd1a0; flex: none; margin-top: 3px; }
@media (min-width: 900px) { .hero { padding: 64px 0; } .hero-grid { grid-template-columns: 1.4fr 1fr; gap: 48px; } }

/* Breadcrumbs */
.crumbs { font-size: .85rem; color: var(--muted); padding-top: 12px; padding-bottom: 4px; }
.crumbs a { color: var(--muted); }

/* Cards */
.cards { display: grid; gap: 14px; grid-template-columns: 1fr; }
@media (min-width: 640px) { .cards { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 980px) { .cards { grid-template-columns: repeat(3, 1fr); } }
.card { display: block; border: 1px solid var(--line); border-radius: var(--radius); padding: 18px; text-decoration: none; color: var(--ink); background: var(--white); transition: border-color .15s, box-shadow .15s; }
.card:hover { border-color: var(--accent); box-shadow: 0 4px 16px rgba(15,61,94,.08); }
.card h3 { margin: 0 0 6px; }
.card p { margin: 0 0 8px; color: var(--muted); font-size: .95rem; }
.more { color: var(--accent-dark); font-weight: 600; font-size: .9rem; }

/* Pills */
.pills { display: flex; flex-wrap: wrap; gap: 10px; }
.pill { border: 1px solid var(--line); background: var(--soft); border-radius: 999px; padding: 8px 16px; text-decoration: none; color: var(--navy); font-weight: 600; }
.pill:hover { border-color: var(--accent); }

/* Mid CTA */
.mid-cta { background: var(--soft); border-left: 4px solid var(--accent); border-radius: var(--radius); padding: 18px 20px; margin: 28px 0; display: flex; flex-wrap: wrap; gap: 14px; align-items: center; justify-content: space-between; }
.mid-cta p { margin: 0; font-weight: 600; max-width: 52ch; }

/* Steps */
.steps ol { padding-left: 1.3em; }
.steps li { margin-bottom: 10px; }

/* FAQ */
.faq details { border: 1px solid var(--line); border-radius: var(--radius); padding: 14px 18px; margin-bottom: 10px; background: var(--white); }
.faq summary { cursor: pointer; font-weight: 700; color: var(--navy-dark); }
.faq details[open] summary { margin-bottom: 8px; }
.faq details div p:last-child { margin-bottom: 0; }

/* Tables */
.table-wrap { overflow-x: auto; }
table { border-collapse: collapse; width: 100%; margin: 16px 0; font-size: .95rem; }
th, td { border: 1px solid var(--line); padding: 10px 12px; text-align: left; vertical-align: top; }
th { background: var(--soft); }

/* CTA band + footer */
.cta-band { background: var(--accent); color: var(--white); text-align: center; padding: 40px 0; margin-top: 32px; }
.cta-band h2 { color: var(--white); margin-top: 0; }
.cta-band p { max-width: 60ch; margin: 0 auto 20px; }
.site-footer { background: var(--navy-dark); color: #c9d6e2; padding: 36px 0 16px; font-size: .93rem; }
.site-footer a { color: #e6eef5; }
.footer-grid { display: grid; gap: 24px; grid-template-columns: 1fr; }
@media (min-width: 760px) { .footer-grid { grid-template-columns: 1.4fr 1fr 1fr 1fr; } }
.footer-brand { font-weight: 800; color: var(--white); font-size: 1.1rem; margin-top: 0; }
.footer-h { font-weight: 700; color: var(--white); margin-top: 0; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 6px; }
.disclosure { border-top: 1px solid rgba(255,255,255,.12); margin-top: 24px; padding-top: 16px; font-size: .82rem; color: #9fb2c4; }

/* Sticky mobile call bar */
.mobile-call { position: fixed; left: 0; right: 0; bottom: 0; z-index: 30; display: flex; align-items: center; justify-content: center; gap: 10px;
  background: var(--accent); color: var(--white); font-weight: 800; font-size: 1.1rem; text-decoration: none; min-height: 60px;
  box-shadow: 0 -2px 12px rgba(0,0,0,.18); padding-bottom: env(safe-area-inset-bottom); }
@media (min-width: 900px) { .mobile-call { display: none; } }