:root{--bg:#f4f7f8;--ink:#14232e;--mut:#43555f;--navy:#0f2f4a;--navy2:#0a2236;--teal:#176a77;--ter:#b03a22;--line:#cfdbe0;--card:#fff;--w:1180px;--font:system-ui,-apple-system,'Segoe UI',Roboto,'Helvetica Neue',Arial,sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--bg);color:var(--ink);font:1.05rem/1.7 var(--font)}
a{color:var(--teal);text-underline-offset:.16em}a:hover{color:var(--navy)}
:focus-visible{outline:3px solid #e08a1e;outline-offset:2px}
.wrap{max-width:var(--w);margin:0 auto;padding:0 1.2rem}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:.6rem 1rem;z-index:99}.skip:focus{left:.5rem;top:.5rem}
.masthead{background:#fff;text-align:center;padding:.9rem 1rem .6rem;border-bottom:1px solid var(--line)}
.masthead a{display:inline-block;text-decoration:none;color:var(--navy)}.logo{height:46px;width:auto}
.bar{background:var(--navy);position:sticky;top:0;z-index:30}
.nav-toggle{position:absolute;opacity:0;pointer-events:none}
.menu-btn{display:none;color:#fff;padding:.7rem 1rem;font-weight:700;cursor:pointer;letter-spacing:.03em}
.nav-toggle:focus-visible+.menu-btn{outline:3px solid #e08a1e;outline-offset:-3px}
.bar ul{list-style:none;margin:0;padding:0;display:flex;justify-content:center;flex-wrap:wrap}
.bar a{display:block;color:#e8f1f4;text-decoration:none;padding:.8rem 1.05rem;font-weight:600;font-size:.97rem;letter-spacing:.01em}
.bar a:hover,.bar a[aria-current=page]{background:var(--navy2);color:#fff;box-shadow:inset 0 -3px 0 #f0a58f}
.bar .cta{background:var(--ter);color:#fff}.bar .cta:hover{background:#8f2d18;box-shadow:none}
.bar .has-sub{position:relative}.bar .sub{display:none;position:absolute;left:0;top:100%;background:var(--navy2);min-width:260px;flex-direction:column;z-index:5}
.bar .has-sub:hover .sub,.bar .has-sub:focus-within .sub{display:flex}.bar .sub a{font-weight:500}
@media (max-width:920px){.menu-btn{display:block}.bar nav{display:none}.nav-toggle:checked~nav{display:block}.bar ul{flex-direction:column;align-items:stretch;padding-bottom:.6rem}.bar .sub{display:flex;position:static;background:transparent;padding-left:1rem}.logo{height:40px}.bar a{padding:.65rem 1.1rem}}
h1,h2,h3{font-family:var(--font);color:var(--navy);line-height:1.18;letter-spacing:-.015em}
h1{font-size:clamp(2rem,4.8vw,3.1rem);font-weight:800;margin:.3rem 0 .8rem}h2{font-size:clamp(1.45rem,2.7vw,1.9rem);font-weight:750;margin:2.4rem 0 .6rem}h3{font-size:1.18rem;margin:1.4rem 0 .3rem}
.hero{background:var(--navy);color:#fff;position:relative;padding:3rem 0 6rem;text-align:center}
.hero h1{color:#fff;max-width:20ch;margin:0 auto .8rem}.hero .lead{max-width:60ch;margin:0 auto;color:#d6e6ec;font-size:1.2rem}
.hero::after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:110px;background:url(/assets/hero.43b37fd5.svg) bottom/100% 100% no-repeat}
.kicker{font-size:.8rem;text-transform:uppercase;letter-spacing:.16em;font-weight:700;color:#f0a58f;margin:0 0 .4rem}
.page-hero{background:var(--navy);color:#fff;padding:1.6rem 0 2.2rem}.page-hero h1{color:#fff;margin:.2rem 0 .5rem;max-width:26ch}.page-hero .kicker{color:#f0a58f}
.crumbs{font-size:.86rem;color:#b9d0d9}.crumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:.3rem}.crumbs li+li::before{content:"/";margin-right:.3rem}.crumbs a{color:#d6e6ec}
.glance{background:#fff;border:1px solid var(--line);border-left:6px solid var(--ter);border-radius:6px;padding:.9rem 1.1rem;margin:1.2rem 0}.glance h2{font-size:1rem;margin:0 0 .3rem;text-transform:uppercase;letter-spacing:.08em;color:var(--ter)}.glance p{margin:0}
.tiles{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:.9rem;list-style:none;padding:0;margin:1.4rem 0 0}
.tile a{display:block;background:#fff;border:1px solid var(--line);border-top:5px solid var(--teal);border-radius:6px;padding:1rem;text-decoration:none;height:100%;color:var(--ink)}
.tile a:hover{border-top-color:var(--ter);box-shadow:0 6px 18px rgba(15,47,74,.12)}.tile strong{display:block;color:var(--navy);font-size:1.1rem}.tile span{font-size:.94rem;color:var(--mut)}
.band{padding:2.4rem 0}.band.form{background:#e6eef1;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.layout{display:grid;grid-template-columns:230px minmax(0,1fr);gap:2.4rem;padding:1.8rem 0 2.5rem;align-items:start}
@media (max-width:980px){.layout{grid-template-columns:1fr}}
.toc{position:sticky;top:64px;font-size:.93rem;background:#fff;border:1px solid var(--line);border-radius:6px;padding:.9rem 1rem}
@media (max-width:980px){.toc{position:static}}
.toc h2{font-size:.78rem;text-transform:uppercase;letter-spacing:.12em;color:var(--mut);margin:0 0 .5rem}.toc ol{margin:0;padding-left:1.1rem}.toc li{margin:.35rem 0}.toc a{text-decoration:none}.toc a:hover{text-decoration:underline}
.prose{max-width:74ch}.prose ul,.prose ol{padding-left:1.3rem}.prose li{margin:.3rem 0}
.answer{background:#e4f1f3;border:1px solid #b4d6db;border-radius:6px;padding:.9rem 1.1rem;margin:1.2rem 0}.answer p{margin:0}
.note{background:#fdf0ea;border:1px solid #efc2b3;border-radius:6px;padding:.8rem 1rem;margin:1.2rem 0;font-size:.97rem}
.def{background:#fff;border-left:4px solid var(--teal);padding:.6rem .9rem}.def dfn{font-weight:700;font-style:normal}
.steps{counter-reset:s;list-style:none;padding:0!important}.steps li{counter-increment:s;margin:.8rem 0;padding:.7rem 1rem .7rem 3.4rem;background:#fff;border:1px solid var(--line);border-radius:6px;position:relative}
.steps li::before{content:counter(s);position:absolute;left:.8rem;top:.6rem;width:1.9rem;height:1.9rem;border-radius:4px;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800}
.table-wrap{overflow-x:auto;margin:1rem 0}table{border-collapse:collapse;width:100%;font-size:.96rem;background:#fff}caption{text-align:left;font-weight:700;color:var(--mut);padding:.3rem 0}
th,td{border:1px solid var(--line);padding:.55rem .75rem;text-align:left;vertical-align:top}thead th{background:var(--navy);color:#fff;border-color:var(--navy)}tbody th{background:#eef4f6}
.faq-d{background:#fff;border:1px solid var(--line);border-radius:6px;margin:.5rem 0}.faq-d summary{cursor:pointer;padding:.8rem 1rem;font-weight:700;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:1rem}
.faq-d summary::-webkit-details-marker{display:none}.faq-d summary::after{content:"+";font-size:1.4rem;line-height:1;color:var(--ter)}.faq-d[open] summary::after{content:"–"}.faq-a{padding:0 1rem .4rem}
.offer-form{background:#fff;border:1px solid var(--line);border-radius:8px;padding:1.4rem;max-width:880px;margin:0 auto;box-shadow:0 8px 26px rgba(15,47,74,.1)}
.form-title{margin:0 0 .3rem;font-size:1.5rem}.form-intro{margin:0 0 1rem;color:var(--mut)}
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:0 1rem}.fld{margin:0 0 .85rem}.fld.full{grid-column:1/-1}@media (max-width:620px){.fgrid{grid-template-columns:1fr}}
.fld label{display:block;font-weight:700;font-size:.92rem;margin-bottom:.25rem}.req{color:#a5301c}.opt{font-weight:400;color:var(--mut)}
input[type=text],input[type=email],input[type=tel],select,textarea{width:100%;font:inherit;padding:.65rem .75rem;border:1.5px solid #6d8591;border-radius:4px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{border-color:var(--teal);outline:3px solid #e08a1e55}
.consent{display:flex;gap:.6rem;align-items:flex-start;font-size:.9rem}.consent input{margin-top:.3rem;width:1.15rem;height:1.15rem;flex:none}.consent label{font-weight:400;margin:0}
.btn{display:inline-block;background:var(--ter);color:#fff;border:0;border-radius:4px;padding:.85rem 1.6rem;font:700 1.05rem var(--font);cursor:pointer;text-decoration:none;letter-spacing:.01em}
.btn:hover{background:#8f2d18;color:#fff}.btn[disabled]{opacity:.6}.fsubmit .btn{width:100%}
.form-msg.err{padding:.6rem .8rem;border-radius:4px;background:#fbe9e5;color:#7a1d12;border:1px solid #e3a99f;font-size:.92rem}.form-fallback{font-size:.86rem;color:var(--mut);margin:.7rem 0 0}.hp{position:absolute;left:-9999px;height:0;overflow:hidden}
.regions{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1rem;list-style:none;padding:0}.region{background:#fff;border:1px solid var(--line);border-radius:6px;padding:1rem 1.1rem}.region h3{margin:0 0 .3rem}.region a{font-weight:600}
.related{display:flex;flex-wrap:wrap;gap:.5rem;list-style:none;padding:0}.related a{display:inline-block;background:#fff;border:1px solid var(--line);padding:.35rem .8rem;border-radius:4px;text-decoration:none;font-size:.95rem}
.ft{background:var(--navy2);color:#d6e6ec;padding:2.4rem 0 1.4rem;font-size:.95rem;margin-top:1rem}.ft a{color:#fff}.ft h2{color:#fff;font-size:.85rem;text-transform:uppercase;letter-spacing:.12em;margin:0 0 .6rem}
.ft-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:1.6rem}.ft ul{list-style:none;margin:0;padding:0}.ft li{margin:.3rem 0}.ft .small{border-top:1px solid #ffffff2a;margin-top:1.6rem;padding-top:1rem;font-size:.85rem;color:#a9c3cd;text-align:center}
.stickycta{display:none}@media (max-width:980px){.stickycta{display:block;position:fixed;left:0;right:0;bottom:0;background:var(--navy);padding:.6rem 1rem;z-index:25;text-align:center}.stickycta .btn{width:100%;max-width:440px}body{padding-bottom:4.4rem}}
.one{padding:2rem 0 3rem}