:root{--navy:#12263a;--ink:#1c2a38;--muted:#5a6a7a;--bg:#f6f4ef;--card:#fff;--line:#dcd8cf;--teal:#0b6a66;--teal-d:#085450;--gold:#f2b84b;--err:#b3261e;--r:14px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.55 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg)}
img,svg{max-width:100%}
a{color:var(--teal)}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:10}
.wrap{max-width:1080px;margin:0 auto;padding:0 18px}
.narrow{max-width:760px;margin:0 auto;padding:0 18px}
.center{text-align:center}
.muted{color:var(--muted)}.small{font-size:.9rem}
h1{font-size:clamp(1.75rem,6vw,2.7rem);line-height:1.15;margin:.3em 0 .4em;letter-spacing:-.01em}
h2{font-size:clamp(1.3rem,4vw,1.7rem);line-height:1.25;margin:1.6em 0 .5em}
h3{font-size:1.05rem;margin:.2em 0}
.site-header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:5}
.bar{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:58px}
.brand{display:flex;align-items:center;gap:9px;color:#fff;text-decoration:none;font-weight:700;font-size:1.05rem}
.logo-mark{color:var(--gold)}
.site-header nav{display:flex;gap:16px;font-size:.92rem}
.site-header nav a{color:#dbe4ee;text-decoration:none;padding:6px 0}
.site-header nav a:hover{color:#fff}
@media(max-width:560px){.site-header nav a:nth-child(2){display:none}.site-header nav{gap:14px}}
.hero{background:linear-gradient(180deg,var(--navy) 0,#1b3a55 100%);color:#fff;padding:36px 0 40px}
.hero .lead{color:#dbe4ee;font-size:1.08rem;max-width:640px}
.hero.center .lead{margin-left:auto;margin-right:auto}
.eyebrow{color:var(--gold);font-weight:700;font-size:.8rem;text-transform:uppercase;letter-spacing:.09em;margin:0}
.badge-line{display:inline-block;margin:16px 0 0;font-size:.85rem;color:#c8d4e0;border:1px solid rgba(255,255,255,.25);padding:5px 12px;border-radius:99px}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.btn{display:inline-block;border:0;border-radius:12px;padding:14px 22px;font:inherit;font-weight:700;text-align:center;text-decoration:none;cursor:pointer;background:var(--teal);color:#fff;min-height:48px}
.btn:hover{background:var(--teal-d)}
.btn.primary{background:var(--gold);color:#14202c}
.btn.primary:hover{background:#e6a932}
.btn.ghost{background:transparent;color:var(--ink);border:1.5px solid var(--line)}
.btn.ghost:hover{background:#eee9de}
.btn.ghost-dark{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.5)}
.btn.ghost-dark:hover{background:rgba(255,255,255,.1)}
.btn[disabled]{opacity:.6;cursor:wait}
.btn:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #4aa3ff;outline-offset:2px}
.cards{display:grid;gap:16px;margin-top:-22px;position:relative}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:20px;box-shadow:0 2px 10px rgba(18,38,58,.06)}
.card h2{margin:0 0 .3em}
.link{font-weight:700}
.band{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin-top:36px;padding:8px 0 30px}
.steps{list-style:none;margin:0;padding:0;display:grid;gap:18px}
.steps li{display:flex;gap:14px}
.steps p{margin:.2em 0 0;color:var(--muted)}
.num{flex:none;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:700}
.two-col{display:grid;gap:18px}
.check,.cross{padding-left:0;list-style:none}
.check li,.cross li{padding-left:26px;position:relative;margin:.5em 0}
.check li:before{content:"\2713";position:absolute;left:0;color:var(--teal);font-weight:700}
.cross li:before{content:"\2715";position:absolute;left:0;color:var(--err);font-weight:700}
.note{background:#fff;border-left:4px solid var(--gold);padding:12px 16px;border-radius:8px;font-size:.95rem}
.lp-grid{display:grid;gap:22px}
.lp-form{margin-bottom:-8px}
.form-card{background:#fff;color:var(--ink);border-radius:var(--r);padding:20px 18px 22px;box-shadow:0 8px 28px rgba(0,0,0,.22)}
.progress{height:6px;background:#e8e4da;border-radius:9px;overflow:hidden}
.progress span{display:block;height:100%;background:var(--teal);transition:width .25s}
.step-label{margin:10px 0 6px;font-size:.85rem;color:var(--muted)}
.group{border:0;padding:0;margin:14px 0}
.group legend{font-weight:700;padding:0;margin-bottom:8px}
.choices{display:grid;gap:8px}
.choices.two{grid-template-columns:1fr 1fr}
.choice{position:relative;display:block}
.choice input{position:absolute;opacity:0;inset:0;width:100%;height:100%;margin:0;cursor:pointer}
.choice span{display:block;border:1.5px solid var(--line);border-radius:12px;padding:13px 14px;background:#fff;min-height:48px;font-weight:600}
.choice input:checked+span{border-color:var(--teal);background:#e6f3f1;box-shadow:inset 0 0 0 1px var(--teal)}
.choice input:focus-visible+span{outline:3px solid #4aa3ff;outline-offset:2px}
.field{display:block;margin:12px 0}
.lbl{display:block;font-weight:600;font-size:.92rem;margin-bottom:4px}
.lbl em{font-weight:400;color:var(--muted);font-style:normal}
input[type=text],input[type=email],input[type=tel],select{width:100%;font:inherit;padding:12px 12px;min-height:48px;border:1.5px solid #c9c4b8;border-radius:10px;background:#fff;color:var(--ink)}
.invalid{border-color:var(--err)!important}
.row{display:flex;gap:10px;flex-wrap:wrap}
.row .field{margin:12px 0 0;flex:1 1 140px}
.row .field.sm{flex:0 1 96px}.row .field.md{flex:0 1 120px}
.hint{font-size:.85rem;color:var(--muted);margin:6px 0 0}
.err{color:var(--err);font-size:.92rem;min-height:1.3em;margin:8px 0 6px}
.btn-row{display:flex;gap:10px}
.btn-row .btn{flex:1}.btn-row .back{flex:0 0 96px}
.step>.btn.next{width:100%}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.8rem;line-height:1.45;color:#3a4856;margin:16px 0 4px;background:#f6f4ef;border:1px solid var(--line);border-radius:10px;padding:12px}
.consent input{flex:none;width:22px;height:22px;margin-top:2px}
.fine{font-size:.76rem;color:var(--muted);margin:12px 0 0}
.hp{position:absolute;left:-9999px;height:0;overflow:hidden}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0 16px;margin:10px 0}
.faq summary{cursor:pointer;font-weight:600;padding:14px 0}
.faq details p{margin:0 0 14px;color:var(--muted)}
.page{padding-top:26px;padding-bottom:30px}
.legal h2{font-size:1.2rem;margin:1.6em 0 .4em}
.legal li{margin:.35em 0}
.contact{display:grid;grid-template-columns:auto 1fr;gap:8px 18px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px}
.contact dt{font-weight:700}.contact dd{margin:0}
.plain{list-style:none;padding:0;margin:0}
.next-list{text-align:left;max-width:520px;margin:20px auto;background:rgba(255,255,255,.08);border-radius:12px;padding:12px 18px}
.next-list li{padding:6px 0}
.next-list a{color:var(--gold)}
.tick{width:64px;height:64px;border-radius:50%;background:var(--gold);color:var(--navy);display:grid;place-items:center;font-size:2rem;font-weight:700;margin:0 auto 10px}
.dry{background:#fff3cd;color:#5b4500;border-radius:10px;padding:10px 14px;display:inline-block}
.dry[hidden]{display:none}
.noscript{padding:12px;background:#fff3cd}
.site-footer{background:var(--navy);color:#c8d4e0;margin-top:48px;padding:30px 0 24px}
.site-footer a{color:#fff}
.foot-grid{display:grid;gap:20px;margin-bottom:12px}
.brand-foot{display:flex;align-items:center;gap:8px;color:#fff;font-weight:700;margin:0 0 6px}
.foot-h{color:#fff;font-weight:700;margin:0 0 6px}
.disclaimer{font-size:.82rem;border-top:1px solid rgba(255,255,255,.18);padding-top:14px;margin:6px 0}
.page .disclaimer{border-top:1px solid var(--line);color:var(--muted)}
[hidden]{display:none!important}
@media(min-width:760px){
  .cards,.two-col{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:repeat(3,1fr)}
  .foot-grid{grid-template-columns:2fr 1fr}
  .hero{padding:56px 0 60px}
}
@media(min-width:900px){
  .lp-grid{grid-template-columns:1.05fr 1fr;align-items:start;gap:44px}
  .lp-copy{padding-top:18px}
  .lp .btn-row .back{flex:0 0 110px}
}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media(max-width:759px){
  .hero.lp{padding:22px 0 26px}
  .lp .lead{font-size:1rem;margin:.3em 0}
  .lp .badge-line{display:none}
  .lp h1{margin:.2em 0 .25em}
  .choice span{padding:12px;font-size:.95rem}
}
html{scroll-padding-top:90px}input,select,.consent{scroll-margin-top:90px}