:root{--ink:#1d2433;--muted:#5b6475;--brand:#0b6e4f;--brand-d:#08573f;--bg:#f6f7f9;--card:#fff;--line:#e3e6eb;--warn:#fff6e0}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--brand)}img{max-width:100%}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
header.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:64px;flex-wrap:wrap}
.logo{font-weight:800;color:var(--ink);text-decoration:none;font-size:1.05rem;display:flex;align-items:center;gap:8px}
.logo svg{flex:none}
nav.main a{margin-left:16px;text-decoration:none;color:var(--ink);font-size:.95rem}
nav.main a:hover{color:var(--brand)}
.btn{display:inline-block;background:var(--brand);color:#fff!important;padding:12px 20px;border-radius:8px;text-decoration:none;font-weight:700;border:0;cursor:pointer;font-size:1rem}
.btn:hover{background:var(--brand-d)}.btn.alt{background:#fff;color:var(--brand)!important;border:2px solid var(--brand)}
.hero{background:linear-gradient(135deg,#0b6e4f,#0e4a5c);color:#fff;padding:56px 0 48px}
.hero h1{font-size:clamp(1.8rem,4.5vw,2.7rem);line-height:1.15;margin:0 0 14px}
.hero p{font-size:1.12rem;max-width:640px;opacity:.95}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}
.hero .btn{background:#fff;color:var(--brand)!important}.hero .btn.alt{background:transparent;color:#fff!important;border-color:#fff}
.pill{display:inline-block;background:rgba(255,255,255,.15);padding:4px 12px;border-radius:99px;font-size:.85rem;margin-bottom:14px}
main{padding:36px 0 20px}
.grid{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:22px}
.card h3{margin-top:0}
.content{background:#fff;border:1px solid var(--line);border-radius:12px;padding:28px}
.content h2{margin-top:1.6em}.content h2:first-child{margin-top:0}
.note{background:var(--warn);border-left:4px solid #e0a800;padding:14px 18px;border-radius:6px;margin:18px 0}
.disclose{font-size:.9rem;color:var(--muted)}
table{border-collapse:collapse;width:100%;margin:12px 0;font-size:.95rem}
th,td{border:1px solid var(--line);padding:9px 10px;text-align:left;vertical-align:top}th{background:#eef2f1}
.tablewrap{overflow-x:auto}
.sources{margin-top:28px;font-size:.92rem}.sources h2{font-size:1.1rem}
.small{font-size:.85rem;color:var(--muted)}
.steps{counter-reset:s;list-style:none;padding:0}.steps li{counter-increment:s;padding-left:46px;position:relative;margin-bottom:16px}
.steps li:before{content:counter(s);position:absolute;left:0;top:0;width:32px;height:32px;border-radius:50%;background:var(--brand);color:#fff;display:grid;place-items:center;font-weight:700}
details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:14px 18px;margin-bottom:10px}
summary{font-weight:700;cursor:pointer}
form.quote{display:grid;gap:14px}
form.quote label{font-weight:600;font-size:.95rem;display:block;margin-bottom:4px}
form.quote input,form.quote select,form.quote textarea{width:100%;padding:11px;border:1px solid #c9ced6;border-radius:8px;font:inherit}
.two{display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.hp{position:absolute;left:-9999px}
.breadcrumb{font-size:.88rem;color:var(--muted);margin-bottom:14px}
.cta-band{background:#0e4a5c;color:#fff;border-radius:12px;padding:26px;margin:30px 0;display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap}
.cta-band h2{margin:0;font-size:1.3rem}
footer.site{background:#1d2433;color:#cfd5df;padding:34px 0;margin-top:40px;font-size:.92rem}
footer.site a{color:#fff}footer.site .grid{grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
.mobile-call{display:none}
@media(max-width:720px){nav.main{width:100%;overflow-x:auto;white-space:nowrap;padding-bottom:8px}nav.main a{margin:0 14px 0 0}
.mobile-call{display:block;position:fixed;bottom:0;left:0;right:0;background:var(--brand);text-align:center;padding:13px;z-index:9}
.mobile-call a{color:#fff;font-weight:700;text-decoration:none}body{padding-bottom:52px}.content{padding:20px}}