:root{--ink:#10212e;--muted:#526472;--bg:#fff;--soft:#f2f7f9;--line:#dbe6ec;--brand:#0b3a5b;--brand2:#13739a;--accent:#3fb6c9;--warm:#f2a93b;--r:14px;--font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:16px/1.65 var(--font);color:var(--ink);background:var(--bg)}
img{max-width:100%;height:auto}a{color:var(--brand2)}a:hover{color:var(--brand)}
h1,h2,h3{line-height:1.2;color:var(--brand);margin:0 0 .6em}h1{font-size:clamp(2rem,4.5vw,3.2rem);letter-spacing:-.02em}h2{font-size:clamp(1.35rem,2.4vw,1.8rem)}h3{font-size:1.12rem}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}.block{padding:56px 20px}.center{text-align:center}.muted{color:var(--muted)}.small{font-size:.86rem;color:var(--muted)}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:99}
.ic{width:24px;height:24px;flex:none}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 22px;border-radius:999px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:1rem;line-height:1.2;transition:.15s}
.btn-primary{background:var(--warm);color:#1d1300}.btn-primary:hover{background:#e0961f;color:#1d1300}
.btn-ghost{background:transparent;border-color:currentColor;color:var(--brand)}.hero .btn-ghost,.band .btn-ghost,.cta-in .btn-ghost{color:#fff}
.btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.site-head{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.head-in{display:flex;align-items:center;gap:20px;min-height:68px}
.brand{display:flex;align-items:center;gap:8px;font-weight:800;font-size:1.35rem;color:var(--brand);text-decoration:none}.brand .ic{color:var(--accent);width:28px;height:28px}.brand b{color:var(--brand2)}
.nav{margin-left:auto;display:flex;align-items:center;gap:18px}.nav ul{display:flex;gap:16px;list-style:none;margin:0;padding:0}.nav a{color:var(--ink);text-decoration:none;font-weight:600;font-size:.94rem}.nav a:hover{color:var(--brand2)}
.nav .nav-cta{padding:10px 16px;font-size:.9rem;color:#1d1300}
.menu-btn{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font-weight:700}
@media(max-width:1080px){.menu-btn{display:block}.nav{display:none;position:absolute;left:0;right:0;top:68px;background:#fff;flex-direction:column;align-items:stretch;padding:16px 20px;border-bottom:1px solid var(--line)}.nav.open{display:flex}.nav ul{flex-direction:column;gap:10px}}
.hero{background:linear-gradient(135deg,#0b3a5b 0%,#0f5577 60%,#13739a 100%);color:#fff;padding:56px 0 60px}.hero h1{color:#fff;max-width:820px}.lede{font-size:1.18rem;max-width:760px;color:#e3f1f6}
.hero-home{padding:84px 0 90px}.eyebrow{font-size:.78rem;font-weight:800;letter-spacing:.12em;color:var(--accent);margin:0 0 12px}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0;margin:0 0 18px;font-size:.84rem;color:#bfdbe6}.crumbs li+li:before{content:"›";margin-right:6px}.crumbs a{color:#fff}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:28px}.cards-sm{grid-template-columns:repeat(3,1fr);margin:18px 0 40px}
@media(max-width:900px){.cards,.cards-sm{grid-template-columns:repeat(2,1fr)}}@media(max-width:560px){.cards,.cards-sm{grid-template-columns:1fr}}
.card{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;text-decoration:none;color:var(--ink);transition:.15s}.card:hover{border-color:var(--brand2);box-shadow:0 10px 26px rgba(11,58,91,.1);transform:translateY(-2px)}
.card .ic{color:var(--brand2);width:34px;height:34px;margin-bottom:10px}.card h3{margin:0 0 6px}.card p{margin:0 0 12px;color:var(--muted);font-size:.95rem}.card-cta{font-weight:700;color:var(--brand2)}
.band{background:var(--soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.band-in{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:38px 20px}.band-in p{margin:0;color:var(--muted)}.band-in .btns{margin:0}.band h2{margin-bottom:6px}
@media(max-width:760px){.band-in{flex-direction:column;align-items:flex-start}}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:24px}@media(max-width:860px){.steps{grid-template-columns:1fr 1fr}}
.step{background:var(--soft);border-radius:var(--r);padding:22px}.num{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--brand);color:#fff;font-weight:800;margin-bottom:10px}.step p{margin:0;color:var(--muted)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:28px}@media(max-width:860px){.two{grid-template-columns:1fr}}
.panel{background:var(--soft);border:1px solid var(--line);border-radius:var(--r);padding:24px;margin-bottom:20px}.panel h2{font-size:1.2rem}
.chips{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:8px}.chips a{display:block;padding:7px 14px;border:1px solid var(--line);border-radius:999px;text-decoration:none;font-weight:600;font-size:.92rem;background:#fff}
.linklist{list-style:none;padding:0;margin:0 0 14px}.linklist li{padding:7px 0;border-bottom:1px solid var(--line)}.linklist a{text-decoration:none;font-weight:600}.linklist.cols{columns:3;column-gap:28px}@media(max-width:760px){.linklist.cols{columns:1}}
.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:44px;padding-top:44px;padding-bottom:44px}@media(max-width:960px){.content-grid{grid-template-columns:1fr}}
.sticky{position:sticky;top:90px}.prose{max-width:780px}.prose section{margin:0 0 34px}.prose p,.prose li{color:#24394a}
.ticks{list-style:none;padding:0}.ticks li{position:relative;padding-left:28px;margin:8px 0}.ticks li:before{content:"";position:absolute;left:2px;top:.55em;width:12px;height:12px;border-radius:50%;background:var(--accent)}
.quick{background:#eaf6f9;border-left:4px solid var(--accent);padding:16px 18px;border-radius:8px;margin:18px 0 30px}.label{font-weight:700;margin-bottom:0}
.faqs details{border-bottom:1px solid var(--line);padding:14px 0}.faqs summary{font-weight:700;cursor:pointer;color:var(--brand)}.faqs details p{margin:.6em 0 0}
.disclaimer{font-size:.85rem;color:var(--muted);border-top:1px solid var(--line);padding-top:14px}
.cta-box{padding:20px 0 60px}.cta-in{background:var(--brand);color:#fff;border-radius:22px;padding:42px}.cta-in h2{color:#fff}.cta-in p{color:#d7eaf2;max-width:680px}
.site-foot{background:#082c45;color:#c4d9e4;padding:50px 0 24px;margin-top:20px}.site-foot .brand{color:#fff}.site-foot .brand b{color:var(--accent)}.site-foot h2{color:#fff;font-size:1rem}.site-foot ul{list-style:none;padding:0;margin:0}.site-foot li{margin:6px 0}.site-foot a{color:#c4d9e4;text-decoration:none}.site-foot a:hover{color:#fff}
.foot-grid{display:grid;grid-template-columns:1.4fr repeat(4,1fr);gap:28px}@media(max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}}.foot-base{border-top:1px solid #1d4561;margin-top:30px;padding-top:18px;color:#8fb0c2}.site-foot .muted,.site-foot .small{color:#9fbccb}
label{display:block;font-weight:600;font-size:.93rem;margin:0 0 14px}input,select,textarea{display:block;width:100%;margin-top:6px;padding:11px 12px;border:1px solid #c5d5de;border-radius:10px;font:inherit;background:#fff}input[type=checkbox],input[type=radio]{display:inline;width:auto;margin:0 6px 0 0}
.check{font-weight:400;font-size:.88rem;color:var(--muted)}.grid2{display:grid;grid-template-columns:1fr 1fr;gap:0 16px}@media(max-width:620px){.grid2{grid-template-columns:1fr}}
.hp{position:absolute!important;left:-9999px!important;height:1px;width:1px;opacity:0}.form-msg{color:#b4361a;font-weight:600;min-height:1em}.ol{padding-left:20px}
.diag{max-width:820px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:20px;padding:30px;box-shadow:0 14px 40px rgba(11,58,91,.08)}
.diag-top{margin-bottom:20px}.diag-count{font-weight:700;color:var(--brand2);font-size:.9rem}.bar{height:8px;background:var(--soft);border-radius:9px;margin-top:8px;overflow:hidden}.bar span{display:block;height:100%;width:0;background:var(--accent);transition:width .3s}
fieldset{border:0;padding:0;margin:0}legend{padding:0}.opts{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:10px}@media(max-width:560px){.opts{grid-template-columns:1fr}}
.opt{border:2px solid var(--line);border-radius:12px;padding:13px 14px;cursor:pointer;margin:0;font-weight:600}.opt.on{border-color:var(--brand2);background:#eaf6f9}.opt input{accent-color:var(--brand2)}
.big{font-size:1.3rem;max-width:220px}.diag-nav{display:flex;justify-content:space-between;margin-top:24px}.linkbtn{background:none;border:0;color:var(--brand2);text-decoration:underline;cursor:pointer;font:inherit;padding:0}
.report dl{display:grid;grid-template-columns:220px 1fr;gap:12px 20px;margin:20px 0}.report dt{font-weight:800;color:var(--brand)}.report dd{margin:0}.report ul{margin:0;padding-left:18px}@media(max-width:620px){.report dl{grid-template-columns:1fr}}
.sev{display:inline-block;padding:3px 12px;border-radius:999px;font-weight:800;font-size:.85rem}.sev-high{background:#fde2dc;color:#a3290f}.sev-moderate{background:#fff0d4;color:#8a5600}.sev-low{background:#dff3e6;color:#1e6b3a}