:root{--brand:#0b5fa5;--brand-d:#08457a;--accent:#ff7a1a;--ink:#12212e;--muted:#5a6b7a;--soft:#f2f7fc;--line:#dbe7f2;--r:10px;--max:1120px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font:16px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:#fff}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--brand);text-decoration:none}a:hover{text-decoration:underline}
.wrap{max-width:var(--max);margin:0 auto;padding:0 18px}
h1,h2,h3{line-height:1.22;margin:0 0 .5em}
h1{font-size:clamp(1.7rem,4.5vw,2.6rem)}
h2{font-size:clamp(1.32rem,3vw,1.85rem);margin-top:1.5em}
h3{font-size:1.1rem}p{margin:0 0 1em}
.hdr{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.hdr .wrap{display:flex;align-items:center;gap:14px;min-height:64px}
.brand{display:flex;align-items:center;gap:9px;font-weight:800;color:var(--ink);font-size:1rem}
.brand img{width:34px;height:34px}
.nav{margin-left:auto;display:none;gap:20px;align-items:center}
.nav a{color:var(--ink);font-weight:600;font-size:.94rem}
.nav .btn{padding:10px 16px;font-size:.9rem}
.burger{margin-left:auto;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 11px;font-size:1.1rem;cursor:pointer;line-height:1}
#mnav{display:none;border-top:1px solid var(--line);background:#fff}
#mnav.open{display:block}
#mnav a{display:block;padding:12px 18px;border-bottom:1px solid var(--soft);font-weight:600;color:var(--ink)}
@media(min-width:900px){.nav{display:flex}.burger{display:none}#mnav{display:none!important}}
.btn{display:inline-block;background:var(--accent);color:#fff!important;font-weight:800;padding:13px 22px;border-radius:var(--r);text-decoration:none!important;border:0;cursor:pointer;font-size:1rem}
.btn:hover{filter:brightness(1.08)}
.btn.alt{background:var(--brand)}
.btn.ghost{background:transparent;color:#fff!important;border:2px solid #ffffff80}
.hero{background:linear-gradient(160deg,#08457a,#08457a);color:#fff;padding:44px 0 40px}
.hero h1{color:#fff}.hero p{color:#dbeafe;font-size:1.06rem;max-width:62ch}
.btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:18px}
.trust{background:var(--soft);border-bottom:1px solid var(--line)}
.trust ul{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:8px;list-style:none;margin:0;padding:16px 0;font-weight:700;font-size:.92rem}
.trust li::before{content:"✓ ";color:#0a9d5c}
section{padding:32px 0}
.grid{display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
.card{border:1px solid var(--line);border-radius:var(--r);padding:18px;background:#fff}
.card h3{margin-top:0;margin-bottom:.35em}
.card p{font-size:.94rem;color:#3b5063;margin-bottom:.6em}
.callout{background:var(--soft);border-left:4px solid var(--brand);padding:16px 18px;border-radius:0 var(--r) var(--r) 0;margin:1.2em 0}
.callout p:last-child{margin-bottom:0}
.cta{background:var(--brand);color:#fff;text-align:center;padding:40px 0}
.cta h2{color:#fff;margin-top:0}.cta p{color:#dbeafe}
.cta .btn.ghost{border-color:#ffffff90}
details{border:1px solid var(--line);border-radius:var(--r);padding:12px 16px;margin-bottom:10px;background:#fff}
details summary{font-weight:700;cursor:pointer;list-style:none}
details summary::-webkit-details-marker{display:none}
details summary::after{content:"+";float:right;color:var(--brand);font-weight:800;margin-left:12px}
details[open] summary::after{content:"–"}
details p{margin:10px 0 0;font-size:.96rem}
footer{background:#0e1b26;color:#b9c8d4;padding:36px 0 92px;font-size:.92rem}
footer a{color:#fff}footer h3{color:#fff;font-size:1rem;margin-top:0}
footer .cols{display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
footer ul{list-style:none;padding:0;margin:0}footer li{margin-bottom:7px}
footer .legal{border-top:1px solid #22323f;margin-top:24px;padding-top:16px;font-size:.84rem;color:#8ea0af}
.callbar{position:fixed;bottom:0;left:0;right:0;z-index:60;background:var(--accent);text-align:center;padding:13px;font-weight:800;font-size:1.05rem;box-shadow:0 -2px 10px #0003}
.callbar a{color:#fff;display:block}
@media(min-width:900px){.callbar{display:none}}
.crumbs{font-size:.85rem;color:var(--muted);padding:12px 0 0}
.crumbs a{color:var(--muted)}
.lead{font-size:1.08rem;color:#31465a}
ul.ticks{list-style:none;padding:0;margin:0 0 1em}
ul.ticks li{padding-left:24px;position:relative;margin-bottom:8px}
ul.ticks li::before{content:"✓";position:absolute;left:0;color:#0a9d5c;font-weight:800}
ol.steps{padding-left:20px}ol.steps li{margin-bottom:9px}
form label{display:block;font-weight:700;margin:12px 0 4px;font-size:.92rem}
form input,form select,form textarea{width:100%;padding:11px;border:1px solid var(--line);border-radius:8px;font:inherit}
.note{font-size:.85rem;color:var(--muted)}
.bigphone{font-size:clamp(1.6rem,5vw,2.4rem);font-weight:800;color:var(--brand);display:inline-block;margin:.2em 0}
.two{display:grid;gap:24px;grid-template-columns:1fr}
@media(min-width:820px){.two{grid-template-columns:1.15fr .85fr}}