:root{
  --navy:#16263f;--navy-2:#1b2e4b;--blue:#2f6db5;--blue-soft:#e9f1fb;
  --accent:#d9731a;--accent-dark:#b85f12;--ink:#1d2a3a;--muted:#566476;
  --line:#dde4ec;--bg:#ffffff;--bg-alt:#f5f8fb;--ok:#1f8a4c;--err:#c0392b;
  --radius:12px;--max:1120px;--read:720px;
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
img{max-width:100%;height:auto}
a{color:var(--blue)}
a:hover{color:var(--navy)}
h1,h2,h3{line-height:1.2;color:var(--navy);letter-spacing:-.01em}
h1{font-size:clamp(1.9rem,4.2vw,2.8rem);margin:.2em 0 .4em}
h2{font-size:clamp(1.45rem,3vw,1.9rem);margin:1.8em 0 .5em}
h3{font-size:1.2rem;margin:1.4em 0 .4em}
p,ul,ol{margin:0 0 1em}
li{margin:.3em 0}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.read{max-width:var(--read)}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}

/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:64px;gap:16px}
.logo{font-weight:800;font-size:1.25rem;color:var(--navy);text-decoration:none;letter-spacing:-.02em}
.logo span{color:var(--blue)}
.nav{display:flex;gap:22px;align-items:center}
.nav a{color:var(--ink);text-decoration:none;font-size:.95rem;font-weight:500}
.nav a:hover{color:var(--blue)}
.nav .btn{color:#fff}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 10px;font-size:.95rem;cursor:pointer;color:var(--ink)}
@media (max-width:860px){
  .menu-btn{display:block}
  .nav{display:none;position:absolute;top:64px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:12px 20px 20px;border-bottom:1px solid var(--line);gap:4px}
  .nav.open{display:flex}
  .nav a{padding:10px 0;border-bottom:1px solid var(--line)}
  .nav .btn{text-align:center;margin-top:10px;border:0}
}

/* buttons */
.btn{display:inline-block;background:var(--accent);color:#fff;border:0;border-radius:10px;padding:14px 22px;font-weight:700;font-size:1rem;text-decoration:none;cursor:pointer;transition:background .15s}
.btn:hover{background:var(--accent-dark);color:#fff}
.btn-sm{padding:9px 16px;font-size:.92rem}
.btn-ghost{background:transparent;color:var(--navy);border:1.5px solid var(--line)}
.btn-ghost:hover{background:var(--bg-alt);color:var(--navy)}
.btn[disabled]{opacity:.7;cursor:wait}

/* hero */
.hero{background:linear-gradient(180deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:48px 0 56px}
.hero h1{color:#fff}
.hero .lede{font-size:1.15rem;color:#d6e0ee;max-width:560px}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:start}
.checks{list-style:none;padding:0;margin:20px 0 0}
.checks li{padding-left:28px;position:relative;color:#e6edf6}
.checks li:before{content:"";position:absolute;left:0;top:.45em;width:16px;height:16px;border-radius:50%;background:var(--ok) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M4 8.5l2.5 2.5L12 5.5' stroke='white' stroke-width='2' fill='none'/%3E%3C/svg%3E") center/12px no-repeat}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr;gap:28px}.hero{padding:32px 0 40px}}

/* quote form */
.quote-card{background:#fff;color:var(--ink);border-radius:16px;padding:26px;box-shadow:0 20px 50px rgba(8,20,40,.28)}
.quote-card h2{margin:0 0 4px;font-size:1.35rem}
.quote-card .sub{color:var(--muted);font-size:.93rem;margin:0 0 16px}
.progress{display:flex;gap:6px;margin:0 0 18px}
.progress span{flex:1;height:5px;border-radius:3px;background:var(--line)}
.progress span.on{background:var(--blue)}
.step{display:none}.step.active{display:block}
.field{margin:0 0 14px}
.field label,.field legend{display:block;font-weight:600;font-size:.92rem;margin:0 0 6px;color:var(--navy)}
.field input,.field select{width:100%;padding:12px 12px;font-size:1rem;border:1.5px solid var(--line);border-radius:9px;background:#fff;color:var(--ink);font-family:inherit}
.field input:focus,.field select:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(47,109,181,.15)}
.field.invalid input,.field.invalid select{border-color:var(--err)}
.field .err{display:none;color:var(--err);font-size:.82rem;margin-top:4px}
.field.invalid .err{display:block}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:420px){.row2{grid-template-columns:1fr}}
.seg{display:flex;gap:8px}
.seg label{flex:1;margin:0}
.seg input{position:absolute;opacity:0;width:1px;height:1px}
.seg span{display:block;text-align:center;padding:11px 8px;border:1.5px solid var(--line);border-radius:9px;cursor:pointer;font-weight:600;font-size:.95rem;color:var(--ink)}
.seg input:checked+span{border-color:var(--blue);background:var(--blue-soft);color:var(--navy)}
.seg input:focus-visible+span{box-shadow:0 0 0 3px rgba(47,109,181,.25)}
.form-actions{display:flex;gap:10px;align-items:center;margin-top:6px}
.form-actions .btn{flex:1}
.back{background:none;border:0;color:var(--muted);cursor:pointer;font-size:.95rem;padding:10px}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.78rem;line-height:1.5;color:var(--muted);margin:6px 0 12px}
.consent input{margin-top:3px;width:18px;height:18px;flex:none}
.consent.invalid{color:var(--err)}
.hp{position:absolute!important;left:-5000px!important;height:1px;overflow:hidden}
.secure{font-size:.8rem;color:var(--muted);text-align:center;margin:12px 0 0}
.success{display:none;text-align:center;padding:18px 4px}
.success .tick{width:56px;height:56px;border-radius:50%;background:var(--ok);margin:0 auto 12px;display:grid;place-items:center}
.form-error{display:none;background:#fdecea;color:var(--err);padding:10px 12px;border-radius:8px;font-size:.9rem;margin-bottom:10px}

/* sections */
section.band{padding:64px 0}
section.alt{background:var(--bg-alt)}
.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:.78rem;font-weight:700;color:var(--blue);margin:0 0 6px}
.section-head{max-width:680px;margin-bottom:28px}
.section-head h2{margin-top:0}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
@media (max-width:860px){.grid3,.grid2{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.card h3{margin-top:0}
.card p:last-child{margin-bottom:0}
a.card{text-decoration:none;color:inherit;display:block;transition:border-color .15s,transform .15s}
a.card:hover{border-color:var(--blue);transform:translateY(-2px)}
a.card .more{color:var(--blue);font-weight:600;font-size:.95rem}
.num{width:34px;height:34px;border-radius:50%;background:var(--blue-soft);color:var(--blue);font-weight:800;display:grid;place-items:center;margin-bottom:10px}

/* tables */
.table-wrap{overflow-x:auto;margin:0 0 1em;border:1px solid var(--line);border-radius:10px}
table{border-collapse:collapse;width:100%;font-size:.95rem;background:#fff}
th,td{padding:11px 14px;text-align:left;border-bottom:1px solid var(--line);white-space:nowrap}
th{background:var(--bg-alt);color:var(--navy);font-weight:700}
tr:last-child td{border-bottom:0}
.note{font-size:.85rem;color:var(--muted)}

/* article */
.page-hero{background:var(--bg-alt);border-bottom:1px solid var(--line);padding:28px 0 32px}
.crumbs{font-size:.85rem;color:var(--muted);margin-bottom:6px}
.crumbs a{color:var(--muted)}
.meta{font-size:.88rem;color:var(--muted)}
.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:48px;padding:36px 0 56px}
@media (max-width:960px){.article-grid{grid-template-columns:1fr;gap:24px}}
.article h2:first-child{margin-top:0}
.toc{background:var(--bg-alt);border:1px solid var(--line);border-radius:10px;padding:16px 20px;margin:0 0 24px}
.toc strong{display:block;margin-bottom:6px;color:var(--navy)}
.toc ol{margin:0;padding-left:20px}
.callout{border-left:4px solid var(--blue);background:var(--blue-soft);padding:14px 18px;border-radius:0 10px 10px 0;margin:0 0 1.2em}
.callout p:last-child{margin:0}
.aside-cta{position:sticky;top:84px;background:var(--navy);color:#fff;border-radius:14px;padding:22px}
.aside-cta h3{color:#fff;margin:0 0 8px}
.aside-cta p{color:#d6e0ee;font-size:.95rem}
.aside-cta .btn{width:100%;text-align:center}
.aside-links{margin-top:20px;border:1px solid var(--line);border-radius:14px;padding:18px 20px}
.aside-links strong{color:var(--navy)}
.aside-links ul{list-style:none;padding:0;margin:8px 0 0}
.aside-links a{text-decoration:none}
.inline-cta{background:var(--navy);color:#fff;border-radius:14px;padding:24px;margin:28px 0;display:flex;gap:20px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.inline-cta p{margin:0;color:#d6e0ee}
.inline-cta strong{color:#fff;font-size:1.1rem;display:block}
.sources{font-size:.85rem;color:var(--muted);border-top:1px solid var(--line);padding-top:14px;margin-top:28px}

/* faq */
.faq details{border:1px solid var(--line);border-radius:10px;padding:0 18px;margin:0 0 10px;background:#fff}
.faq summary{cursor:pointer;font-weight:650;color:var(--navy);padding:15px 0;list-style:none;position:relative;padding-right:28px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:0;top:12px;font-size:1.3rem;color:var(--blue)}
.faq details[open] summary:after{content:"\2212"}
.faq details>div{padding:0 0 14px}

/* calculator */
.calc{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px;margin:0 0 1.5em}
.calc .grid2{gap:14px}
.calc-result{margin-top:16px;background:var(--blue-soft);border-radius:10px;padding:16px 18px}
.calc-result .big{font-size:1.9rem;font-weight:800;color:var(--navy)}

/* footer */
.site-footer{background:var(--navy);color:#b9c6d8;padding:48px 0 28px;font-size:.92rem}
.site-footer a{color:#dbe4f0;text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px}
@media (max-width:860px){.foot-grid{grid-template-columns:1fr 1fr}}
.site-footer h4{color:#fff;margin:0 0 10px;font-size:.95rem}
.site-footer ul{list-style:none;padding:0;margin:0}
.disclaimer{border-top:1px solid rgba(255,255,255,.12);margin-top:32px;padding-top:18px;font-size:.8rem;line-height:1.6;color:#95a6bd}
@media (max-width:900px){.hero .checks{display:none}.hero .lede{font-size:1.02rem}}