:root{
  --navy:#0f2c4d; --blue:#1d4ed8; --teal:#0d9488; --teal-d:#0b7c72;
  --green:#16a34a; --bg:#f5f8fc; --card:#ffffff; --text:#1f2a37;
  --muted:#6b7280; --line:#e6eaf0; --shadow:0 8px 28px rgba(15,44,77,.08);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Heebo',system-ui,Arial,sans-serif;color:var(--text);background:var(--bg);line-height:1.7;font-size:16px}
a{color:inherit;text-decoration:none}
img{max-width:100%}
.container{max-width:1140px;margin:0 auto;padding:0 20px}
.narrow{max-width:760px}
h1,h2,h3,h4{line-height:1.25;color:var(--navy);font-weight:800}
h1{font-size:2.3rem}h2{font-size:1.7rem}h3{font-size:1.18rem}
.center{text-align:center}
.sub{color:var(--muted);max-width:640px;margin:6px auto 26px}
.muted{color:var(--muted)}
.tiny{font-size:.8rem;color:var(--muted);margin-top:10px}

/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:68px}
.logo{display:flex;align-items:center;gap:9px;font-weight:800;font-size:1.25rem;color:var(--navy)}
.logo svg{flex:none}
.main-nav{display:flex;gap:6px}
.main-nav a{padding:9px 14px;border-radius:9px;font-weight:500;color:#334155;transition:.15s}
.main-nav a:hover{background:#eef4fb;color:var(--navy)}
.main-nav a.active{color:var(--teal-d);background:#e7f6f4}
.nav-toggle{display:none;background:none;border:0;font-size:1.5rem;cursor:pointer;color:var(--navy)}

/* hero */
.hero{background:linear-gradient(135deg,#0f2c4d 0%,#15467c 55%,#0d9488 140%);color:#fff;padding:64px 0}
.hero-inner{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center}
.hero h1{color:#fff;font-size:2.6rem}
.hero .hl{color:#7ee0d4}
.hero p{color:#dbe7f3;margin:16px 0 26px;font-size:1.08rem}
.pill{display:inline-block;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.25);color:#eafaf7;padding:6px 14px;border-radius:999px;font-size:.82rem;margin-bottom:18px}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap}
.trust-row{display:flex;gap:18px;flex-wrap:wrap;margin-top:24px;color:#cfe6f5;font-size:.9rem}
.hero-card{background:#fff;color:var(--text);border-radius:18px;padding:26px;box-shadow:var(--shadow)}
.hero-card h3{color:var(--navy)}
.calc-row{display:flex;justify-content:space-between;padding:11px 0;border-bottom:1px dashed var(--line)}
.calc-row b{color:var(--navy)}

/* buttons */
.btn{display:inline-block;padding:13px 24px;border-radius:999px;font-weight:700;cursor:pointer;border:0;transition:.15s;font-size:1rem;text-align:center}
.btn-primary{background:var(--teal);color:#fff}
.btn-primary:hover{background:var(--teal-d)}
.btn-ghost{background:rgba(255,255,255,.12);color:#fff;border:1px solid rgba(255,255,255,.4)}
.btn-ghost:hover{background:rgba(255,255,255,.2)}
.btn-block{display:block;width:100%;margin-top:14px}
.btn-lg{padding:16px 34px;font-size:1.08rem}

/* sections */
.section{padding:60px 0}
.section-alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-cta{background:linear-gradient(135deg,#0d9488,#15467c);color:#fff}
.section-cta h2{color:#fff}.section-cta .sub{color:#e6f6f3}

/* steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:10px}
.step{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:26px;box-shadow:var(--shadow)}
.step-n{width:42px;height:42px;border-radius:12px;background:#e7f6f4;color:var(--teal-d);font-weight:800;display:flex;align-items:center;justify-content:center;font-size:1.2rem;margin-bottom:12px}

/* table */
.table-wrap{overflow-x:auto;border-radius:16px;box-shadow:var(--shadow);background:#fff;border:1px solid var(--line)}
table.cmp{width:100%;border-collapse:collapse;min-width:560px}
table.cmp th,table.cmp td{padding:15px 16px;text-align:right;border-bottom:1px solid var(--line)}
table.cmp thead th{background:var(--navy);color:#fff;font-weight:700}
table.cmp tbody tr:nth-child(even){background:#f7fafd}
table.cmp tbody tr:hover{background:#eef6f5}
table.cmp td:first-child{font-weight:600;color:var(--navy)}

/* cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:24px;box-shadow:var(--shadow);transition:.18s;display:block}
.card:hover{transform:translateY(-4px);box-shadow:0 14px 36px rgba(15,44,77,.13)}
.card .tag{display:inline-block;background:#e7f6f4;color:var(--teal-d);font-size:.75rem;font-weight:700;padding:4px 10px;border-radius:999px;margin-bottom:10px}
.card h3{margin-bottom:8px}
.card p{color:var(--muted);font-size:.95rem}
.card .more{display:inline-block;margin-top:12px;color:var(--teal-d);font-weight:700}

/* faq */
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:6px 18px;margin-bottom:12px}
.faq summary{cursor:pointer;font-weight:600;color:var(--navy);padding:12px 0;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::before{content:"＋";color:var(--teal-d);font-weight:800;margin-left:10px}
.faq details[open] summary::before{content:"－"}
.faq p{color:var(--muted);padding-bottom:14px}

/* page head */
.page-head{background:linear-gradient(135deg,#0f2c4d,#15467c);color:#fff;padding:48px 0}
.page-head h1{color:#fff}
.page-head p{color:#cfe1f1;margin-top:8px}
.crumb{font-size:.85rem;color:#9fc4e3}
.crumb a{color:#cfe1f1}

/* article */
.article h2{margin:26px 0 10px;font-size:1.35rem}
.article p,.article li{color:#374151}
.article ul,.article ol{margin:0 22px 14px}
.article li{margin-bottom:7px}
.article .callout{background:#fff7ed;border:1px solid #fed7aa;border-radius:12px;padding:14px 18px;color:#9a3412}
.rules li{margin-bottom:12px}
.article-cta{margin-top:36px;background:#e7f6f4;border-radius:16px;padding:26px;text-align:center}
.article-cta h3{margin-bottom:14px}

/* forms */
.form-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px;box-shadow:var(--shadow)}
.lead-form label,.form-card label{display:block;font-weight:600;color:var(--navy);margin-bottom:14px;font-size:.95rem}
.lead-form input,.lead-form select,.form-card input,.form-card select,.form-card textarea{width:100%;padding:11px 13px;border:1px solid #cdd6e2;border-radius:10px;font-family:inherit;font-size:1rem;margin-top:6px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.check{display:flex;align-items:flex-start;gap:8px;font-weight:400!important;color:var(--muted)!important;font-size:.88rem!important}
.check input{width:auto!important;margin-top:4px}
.check a{color:var(--teal-d);text-decoration:underline}
.form-msg{background:#ecfdf5;border:1px solid #a7f3d0;color:#065f46;padding:12px;border-radius:10px;margin-top:12px;text-align:center;font-weight:600}

/* contact */
.contact-grid{display:grid;grid-template-columns:1.3fr .7fr;gap:26px;align-items:start}
.contact-info h3{margin:18px 0 6px}
.contact-info a{color:var(--teal-d)}

/* footer */
.site-footer{background:#0c2340;color:#c7d4e3;padding:48px 0 22px;margin-top:20px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px}
.site-footer h4{color:#fff;margin-bottom:12px;font-size:1rem}
.site-footer a{display:block;color:#aebfd2;padding:4px 0}
.site-footer a:hover{color:#fff}
.logo--light{color:#fff;margin-bottom:10px}
.disclaimer{border-top:1px solid rgba(255,255,255,.12);margin-top:30px;padding-top:18px}
.disclaimer p{font-size:.82rem;color:#93a6bd;line-height:1.6}
.disclaimer .copy{margin-top:10px;color:#6f86a0}

@media(max-width:860px){
  .hero-inner,.steps,.cards,.contact-grid,.footer-grid,.grid2{grid-template-columns:1fr}
  .hero h1{font-size:2rem}h1{font-size:1.8rem}
  .main-nav{position:absolute;top:68px;right:0;left:0;background:#fff;flex-direction:column;padding:10px 20px;border-bottom:1px solid var(--line);box-shadow:var(--shadow);display:none}
  .main-nav.open{display:flex}
  .nav-toggle{display:block}
}