:root{--navy:#0f2a3d;--sea:#1c6e8c;--sand:#f4efe6;--foam:#e6f1f5;--ink:#1b1f24;--muted:#5b6670;--line:#dfe4e8;--white:#fff;--accent:#d98b3a;--r:14px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:"Inter",system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.6;font-size:17px}
img{max-width:100%;display:block}
a{color:var(--sea)}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
header.top{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px}
.logo{font-weight:800;letter-spacing:-.02em;font-size:1.25rem;color:var(--navy);text-decoration:none;display:flex;align-items:center;gap:10px}
.logo span{color:var(--sea)}
nav.main a{color:var(--navy);text-decoration:none;font-weight:600;margin-left:18px;font-size:.93rem;white-space:nowrap}
nav.main a.cta{background:var(--navy);color:#fff;padding:10px 16px;border-radius:999px}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 10px;font-size:1rem}
@media(max-width:900px){nav.main{display:none;position:absolute;left:0;right:0;top:68px;background:#fff;border-bottom:1px solid var(--line);padding:12px 20px 18px}nav.main.open{display:flex;flex-direction:column;gap:12px}nav.main a{margin:0}.nav-toggle{display:block}}
.hero{background:linear-gradient(180deg,var(--foam),#fff 70%);padding:72px 0 56px}
.hero h1{font-size:clamp(2rem,4.6vw,3.3rem);line-height:1.08;letter-spacing:-.02em;color:var(--navy);margin:0 0 18px;max-width:14ch}
.hero p.lede{font-size:1.2rem;color:var(--muted);max-width:60ch;margin:0 0 26px}
.trust{display:flex;flex-wrap:wrap;gap:10px 22px;color:var(--navy);font-weight:600;font-size:.95rem;margin-top:22px}
.trust li{list-style:none;display:flex;gap:8px;align-items:center}
.trust ul{padding:0;margin:0;display:contents}
.btn{display:inline-block;background:var(--navy);color:#fff;text-decoration:none;font-weight:700;padding:14px 22px;border-radius:999px;border:0;font-size:1rem;cursor:pointer}
.btn.ghost{background:#fff;color:var(--navy);border:2px solid var(--navy)}
.btn.accent{background:var(--accent)}
.btns{display:flex;gap:12px;flex-wrap:wrap}
section{padding:56px 0}
section.alt{background:var(--sand)}
h2{font-size:clamp(1.6rem,3vw,2.2rem);line-height:1.15;letter-spacing:-.015em;color:var(--navy);margin:0 0 14px}
h3{color:var(--navy);margin:0 0 8px;font-size:1.15rem}
.sub{color:var(--muted);max-width:64ch;margin:0 0 30px;font-size:1.05rem}
.grid{display:grid;gap:20px}
.grid.c3{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.grid.c2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px}
.card p{margin:0;color:var(--muted)}
.card a.more{display:inline-block;margin-top:12px;font-weight:700;text-decoration:none}
.step{display:flex;gap:16px}
.step .n{flex:0 0 40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800}
.quote{background:#fff;border-left:4px solid var(--sea);padding:18px 22px;border-radius:8px}
.quote cite{display:block;margin-top:8px;color:var(--muted);font-style:normal;font-size:.95rem}
.faq details{border-bottom:1px solid var(--line);padding:14px 0}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);font-size:1.05rem}
.faq p{color:var(--muted);margin:10px 0 0}
.prose{max-width:72ch}
.prose p{color:#333}
.prose ul{color:#333}
.license-box{background:var(--foam);border:1px solid #cfe1e8;border-radius:var(--r);padding:22px;display:grid;gap:6px}
.license-box strong{color:var(--navy)}
form.lead{display:grid;gap:14px;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px}
form.lead label{display:grid;gap:6px;font-weight:600;color:var(--navy);font-size:.95rem}
form.lead input,form.lead select,form.lead textarea{font:inherit;padding:12px 14px;border:1px solid #c9d1d8;border-radius:10px;width:100%}
form.lead .row{display:grid;gap:14px;grid-template-columns:1fr 1fr}
@media(max-width:600px){form.lead .row{grid-template-columns:1fr}}
form.lead small{color:var(--muted)}
.hp{position:absolute;left:-9999px;opacity:0;height:0;overflow:hidden}
footer{background:var(--navy);color:#cfdbe3;padding:48px 0 90px;font-size:.95rem}
footer a{color:#fff}
footer .cols{display:grid;gap:28px;grid-template-columns:2fr 1fr 1fr 1fr}
@media(max-width:800px){footer .cols{grid-template-columns:1fr 1fr}}
footer h4{color:#fff;margin:0 0 10px;font-size:1rem}
footer ul{list-style:none;padding:0;margin:0;display:grid;gap:6px}
footer .legal{margin-top:28px;padding-top:18px;border-top:1px solid rgba(255,255,255,.15);font-size:.9rem}
footer .legal strong{color:#fff}
.sticky-bar{position:fixed;left:0;right:0;bottom:0;z-index:30;display:none;gap:10px;padding:10px 12px;background:#fff;border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(0,0,0,.06)}
.sticky-bar a{flex:1;text-align:center;padding:12px;border-radius:10px;font-weight:700;text-decoration:none;background:var(--navy);color:#fff}
.sticky-bar a.alt{background:var(--sea)}
@media(max-width:800px){.sticky-bar.on{display:flex}footer{padding-bottom:110px}}
.holding{min-height:100vh;display:grid;place-items:center;background:linear-gradient(160deg,var(--foam),var(--sand));padding:40px 20px}
.holding .box{max-width:640px;background:#fff;border-radius:20px;padding:44px 40px;box-shadow:0 20px 60px rgba(15,42,61,.12)}
.holding h1{font-size:clamp(1.9rem,4vw,2.8rem);line-height:1.1;color:var(--navy);margin:14px 0}
.holding p{color:var(--muted);font-size:1.08rem}
.eyebrow{display:inline-block;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;font-weight:700;color:var(--sea)}
.breadcrumb{font-size:.9rem;color:var(--muted);margin:18px 0 0}
.breadcrumb a{text-decoration:none}
.areas{display:flex;flex-wrap:wrap;gap:10px}
.areas a{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 14px;text-decoration:none;color:var(--navy);font-weight:600;font-size:.92rem}
.stat{font-size:2.2rem;font-weight:800;color:var(--navy);letter-spacing:-.02em}
.notice{background:#fff8ec;border:1px solid #f1d9ae;border-radius:10px;padding:12px 16px;color:#6b4a12;font-size:.95rem}