:root{--navy:#0b2a4a;--sea:#0e6e8c;--foam:#e8f3f7;--sand:#f7f4ee;--ink:#1b2430;--muted:#5a6675;--line:#d6dee6;--accent:#d9572b;--radius:10px;--max:1080px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);line-height:1.6;background:#fff;font-size:17px}
a{color:var(--sea)}
img,svg{max-width:100%;height:auto}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
header.site{background:var(--navy);color:#fff}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;padding-top:14px;padding-bottom:14px;flex-wrap:wrap}
.logo{color:#fff;text-decoration:none;font-weight:700;font-size:1.15rem;letter-spacing:.2px;display:flex;align-items:center;gap:8px}
nav.main{display:flex;gap:18px;flex-wrap:wrap;align-items:center}
nav.main a{color:#dbe9f2;text-decoration:none;font-size:.95rem}
nav.main a:hover{color:#fff}
.btn{display:inline-block;background:var(--accent);color:#fff!important;text-decoration:none;font-weight:600;padding:12px 20px;border-radius:var(--radius);border:0;cursor:pointer;font-size:1rem}
.btn:hover{filter:brightness(1.07)}
.btn.small{padding:8px 14px;font-size:.9rem}
.btn.ghost{background:transparent;border:2px solid #fff}
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--sea) 100%);color:#fff;padding:56px 0 64px}
.hero h1{font-size:clamp(1.8rem,4.5vw,2.8rem);line-height:1.15;margin:0 0 16px;max-width:820px}
.hero p.lead{font-size:1.15rem;max-width:720px;color:#e3f0f6;margin:0 0 26px}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap}
.crumbs{font-size:.85rem;color:#cfe2ec;margin-bottom:10px}.crumbs a{color:#cfe2ec}
section{padding:48px 0}
section.alt{background:var(--sand)}
section.foam{background:var(--foam)}
h2{font-size:clamp(1.4rem,3vw,1.9rem);color:var(--navy);margin:0 0 14px;line-height:1.25}
h3{font-size:1.15rem;color:var(--navy);margin:0 0 8px}
.grid{display:grid;gap:20px}
.g3{grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
@media (max-width:720px){.g2{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.card p{margin:.3em 0 .6em}
.step{counter-increment:s}
.step h3::before{content:counter(s) ". ";color:var(--accent)}
.steps{counter-reset:s}
.facts{width:100%;border-collapse:collapse;font-size:.95rem;background:#fff}
.facts th,.facts td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
.facts th{background:var(--foam);color:var(--navy);width:34%}
.tablewrap{overflow-x:auto}
.note{font-size:.88rem;color:var(--muted)}
.kicker{text-transform:uppercase;letter-spacing:1.2px;font-size:.78rem;font-weight:700;color:var(--sea);margin:0 0 6px}
.hero .kicker{color:#a9d8ea}
details{border:1px solid var(--line);border-radius:var(--radius);padding:14px 18px;background:#fff;margin-bottom:12px}
details summary{cursor:pointer;font-weight:600;color:var(--navy)}
details p{margin:.6em 0 0}
.cta-band{background:var(--navy);color:#fff;text-align:center}
.cta-band h2{color:#fff}
.cta-band p{color:#dbe9f2;max-width:640px;margin:0 auto 20px}
footer.site{background:#08203a;color:#b7c8d8;font-size:.9rem;padding:32px 0}
footer.site a{color:#dbe9f2}
footer.site .cols{display:flex;gap:28px;flex-wrap:wrap;justify-content:space-between}
form.quote{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
fieldset{border:0;padding:0;margin:0 0 18px}
legend{font-weight:700;color:var(--navy);font-size:1.05rem;margin-bottom:10px}
.fgrid{display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
label{display:block;font-size:.92rem;font-weight:600;margin-bottom:4px}
label .opt{font-weight:400;color:var(--muted)}
input,select,textarea{width:100%;font:inherit;font-size:16px;padding:10px 12px;border:1px solid #b9c6d2;border-radius:8px;background:#fff}
input:focus,select:focus,textarea:focus{outline:2px solid var(--sea);border-color:var(--sea)}
.checks{display:flex;flex-wrap:wrap;gap:8px 18px}
.checks label{font-weight:400;display:flex;gap:6px;align-items:center;margin:0}
.checks input{width:auto}
.consent{background:var(--foam);border-radius:8px;padding:14px;font-size:.92rem}
.consent label{font-weight:400;display:flex;gap:10px;align-items:flex-start}
.consent input{width:auto;margin-top:5px}
.hp{position:absolute;left:-5000px}
.status{margin-top:12px;font-weight:600}
.status.err{color:#a1261b}.status.ok{color:#17703a}
ul.ticks{padding-left:1.1em}
.prose>*{max-width:780px}
.facts th:first-child{white-space:normal}
@media (max-width:640px){body{font-size:16px}nav.main{gap:12px}nav.main a.hide-sm{display:none}.hero{padding:40px 0 44px}section{padding:36px 0}}