:root{--navy:#1c2b3f;--slate:#3d4a5c;--ink:#1f2328;--muted:#4f5965;--sand:#f6f2ec;--line:#e2dbd0;--accent:#8a5a3b;--white:#fff;--serif:"Source Serif 4",Georgia,serif;--sans:Inter,system-ui,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:17px/1.65 var(--sans);color:var(--ink);background:var(--white)}
h1,h2,.h3{font-family:var(--serif);font-weight:600;color:var(--navy);line-height:1.2;margin:0 0 .6em}h1{font-size:clamp(2rem,4.2vw,3.1rem)}h2{font-size:clamp(1.45rem,2.4vw,1.9rem)}.h3{font-size:1.2rem}
a{color:var(--navy)}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
.wrap{max-width:1140px;margin:0 auto;padding:0 24px}.narrow{max-width:780px}section{padding:80px 0}
.skip{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:8px 14px;z-index:99}.skip:focus{left:8px}
.site-header{position:sticky;top:0;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);z-index:50}
.hdr{display:flex;align-items:center;gap:24px;height:72px}.brand{display:flex;align-items:center;gap:10px;font-family:var(--serif);font-weight:600;font-size:1.25rem;letter-spacing:.12em;color:var(--navy);text-decoration:none}.brand span{letter-spacing:.02em;font-weight:400}.brand.light{color:#fff;margin:0 0 8px}
nav{margin-left:auto}nav ul{display:flex;gap:28px;list-style:none;margin:0;padding:0}nav a{text-decoration:none;font-size:.95rem;color:var(--slate);padding:6px 0}nav a[aria-current]{color:var(--navy);border-bottom:2px solid var(--accent)}
.menu-btn{display:none;margin-left:auto;background:none;border:1px solid var(--line);padding:6px 12px;font:inherit;border-radius:4px}
.btn{display:inline-block;background:var(--navy);color:#fff;padding:13px 22px;border-radius:4px;text-decoration:none;font-weight:500;border:1px solid var(--navy);cursor:pointer;font:500 1rem var(--sans)}.btn:hover{background:var(--slate)}.btn-sm{padding:9px 16px;font-size:.9rem}
.btn-ghost{background:transparent;color:var(--navy)}.btn-ghost:hover{background:var(--sand)}.btn-light{background:#fff;color:var(--navy);border-color:#fff}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;font-weight:600;color:var(--accent);margin:0 0 14px}.lead{font-size:1.15rem;color:var(--muted)}
.hero{background:var(--sand);padding:96px 0}.hero-grid{display:grid;grid-template-columns:1.4fr 1fr;gap:48px;align-items:center}.motif{color:var(--accent)}.cta{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0 14px}.note{font-size:.9rem;color:var(--muted)}
.band{background:var(--sand)}.focus{display:grid;grid-template-columns:repeat(3,1fr);gap:40px}.focus article{border-top:2px solid var(--accent);padding-top:18px}
.two{display:grid;grid-template-columns:1.3fr 1fr;gap:56px;align-items:start}.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:24px}
.card{background:#fff;border:1px solid var(--line);border-radius:6px;padding:28px}.svc{border-top:3px solid var(--navy)}
.steps{counter-reset:s;list-style:none;padding:0;margin:0}.steps li{counter-increment:s;position:relative;padding:0 0 22px 52px}.steps li:before{content:counter(s);position:absolute;left:0;top:0;width:34px;height:34px;border:1px solid var(--accent);border-radius:50%;display:grid;place-items:center;font-family:var(--serif);color:var(--accent)}
.cta-band{background:var(--navy);color:#e8edf3;text-align:center}.cta-band h2{color:#fff}
.page-hero{background:var(--sand);padding:72px 0 56px;border-bottom:1px solid var(--line)}
.creds{padding-left:18px}.creds li{margin-bottom:10px}.small{font-size:.85rem;color:var(--muted)}.ph{display:inline-block;background:#fff4d6;color:#5c4400;font-size:.8rem;padding:1px 8px;border-radius:3px}
.flag{border-left:3px solid var(--accent);padding-left:14px}.neg li{margin-bottom:6px}
.disclosure{background:#eef1f5;border-top:1px solid #d6dde6}
.warn{background:#fdf3ec;border:1px solid #e6c9b3;border-left:4px solid var(--accent);padding:16px 18px;border-radius:4px;margin-bottom:24px}
.form{display:grid;gap:16px}.form label{display:grid;gap:6px;font-weight:500;font-size:.95rem}.form input,.form select{font:inherit;padding:11px 12px;border:1px solid #9aa3ad;border-radius:4px}.form .check{display:flex;gap:10px;font-weight:400;align-items:flex-start}.check input{margin-top:6px}
.site-footer{background:var(--navy);color:#d5dce5;padding:56px 0 32px;font-size:.93rem}.site-footer a{color:#fff}.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px}.fh{font-family:var(--sans);font-size:.8rem;text-transform:uppercase;letter-spacing:.12em;color:#fff}.site-footer ul{list-style:none;padding:0}
.disc{border-top:1px solid #3a4b62;margin-top:28px;padding-top:20px}.site-footer .small,.site-footer .ph{color:#c3ccd7}.site-footer .ph{background:#2c3e56}
@media(max-width:860px){.hero-grid,.two,.focus,.fgrid{grid-template-columns:1fr}.motif{display:none}.menu-btn{display:block}.hdr .btn-sm{display:none}nav{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line)}nav.open{display:block}nav ul{flex-direction:column;gap:0;padding:8px 24px}nav li a{display:block;padding:12px 0}section{padding:56px 0}}
.hero{border-bottom:1px solid var(--line)}.hero+.band{background:#fff}.cta-band+*,.site-footer{border-top:1px solid #33465f}