:root{
  --navy:#0F2D46;--blue:#476B8B;--warm:#F6F6F2;--white:#fff;
  --cedar:#B56A3C;--slate:#4A525A;--grey:#D7DADD;--ink:#17232b;
  --muted:#5e6a72;--line:#dde2e3;--max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;color:var(--ink);background:#fff;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.64}
img{max-width:100%;height:auto;display:block}
a{color:#174f73;text-decoration-thickness:.08em;text-underline-offset:.16em}
a:hover{color:var(--cedar)}
h1,h2,h3{font-family:Poppins,Inter,ui-sans-serif,system-ui,sans-serif;color:var(--navy);line-height:1.12;letter-spacing:-.025em}
h1{font-size:clamp(2.35rem,5.2vw,4.7rem);margin:.2em 0 .35em;max-width:15ch}
h2{font-size:clamp(1.7rem,3vw,2.55rem);margin:0 0 .65em}
h3{font-size:1.2rem;margin:.2em 0 .45em}
p{margin:.3em 0 1.05em}
ul,ol{padding-left:1.25rem}
li+li{margin-top:.45rem}
.container{width:min(calc(100% - 36px),var(--max));margin:auto}
.skip-link{position:absolute;left:-9999px;top:auto}
.skip-link:focus{left:12px;top:12px;z-index:9999;background:#fff;padding:10px 14px;border:2px solid var(--navy)}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(8px)}
.navbar{height:78px;display:flex;align-items:center;gap:24px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;margin-right:auto}
.brand img{width:170px;height:auto}
.main-nav{display:flex;align-items:center;gap:20px}
.main-nav>a,.drop>button{font:600 14px/1 Inter,system-ui,sans-serif;color:var(--navy);background:none;border:0;padding:14px 0;text-decoration:none;cursor:pointer}
.drop{position:relative}
.drop-menu{position:absolute;display:none;top:44px;left:-18px;min-width:255px;background:#fff;border:1px solid var(--line);box-shadow:0 12px 30px rgba(15,45,70,.12);padding:10px;border-radius:8px}
.drop:hover .drop-menu,.drop:focus-within .drop-menu{display:block}
.drop-menu a{display:block;padding:9px 10px;border-radius:5px;color:var(--ink);text-decoration:none;font-size:14px}
.drop-menu a:hover{background:var(--warm)}
.header-phone{font-weight:700;color:var(--navy);white-space:nowrap;text-decoration:none}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:0 18px;border-radius:7px;background:var(--navy);color:#fff!important;font-weight:750;text-decoration:none;border:1px solid var(--navy)}
.btn:hover{background:#173e5b}
.btn.alt{background:#fff;color:var(--navy)!important}
.menu-toggle{display:none;background:none;border:1px solid var(--line);padding:9px 11px;border-radius:6px;font-weight:700}
.hero{background:var(--warm);border-bottom:1px solid var(--line)}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(320px,.95fr);gap:52px;align-items:center;padding:68px 0}
.crumbs{font-size:.86rem;color:var(--muted);margin-bottom:18px}
.crumbs a{color:inherit}
.lede{font-size:clamp(1.1rem,2vw,1.28rem);color:#39464e;max-width:69ch;margin-bottom:25px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap}
.hero-image{aspect-ratio:4/3;overflow:hidden;border-radius:10px;background:#e7e8e5}
.hero-image img{width:100%;height:100%;object-fit:cover}
.trustbar{border-bottom:1px solid var(--line);background:#fff}
.trustbar .container{display:flex;gap:34px;flex-wrap:wrap;padding:15px 0;color:#48555d;font-size:.9rem;font-weight:650}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 265px;gap:64px;padding:64px 0 82px}
.content-section{padding:0 0 52px;margin:0 0 52px;border-bottom:1px solid var(--line)}
.content-section:last-child{border-bottom:0}
.content-section>p:first-of-type{font-size:1.05rem}
.toc{position:sticky;top:110px;align-self:start;border-left:3px solid var(--blue);padding:2px 0 2px 18px}
.toc strong{display:block;color:var(--navy);margin-bottom:8px}
.toc a{display:block;color:#536069;text-decoration:none;font-size:.9rem;padding:5px 0}
.toc a:hover{color:var(--cedar)}
.answer-box{background:#eef3f5;border-left:4px solid var(--blue);padding:20px 22px;margin:22px 0;border-radius:0 8px 8px 0}
.answer-box strong{display:block;color:var(--navy);font-family:Poppins,system-ui,sans-serif;margin-bottom:5px}
.answer-box p:last-child{margin-bottom:0}
.check-list{list-style:none;padding:0;margin:20px 0;display:grid;gap:8px}
.check-list li{position:relative;padding-left:26px;margin:0}
.check-list li:before{content:"";position:absolute;left:2px;top:.57em;width:10px;height:6px;border-left:2px solid var(--cedar);border-bottom:2px solid var(--cedar);transform:rotate(-45deg)}
.table-wrap{overflow:auto;margin:22px 0;border:1px solid var(--line);border-radius:8px}
table{border-collapse:collapse;width:100%;min-width:620px;font-size:.95rem}
th{background:var(--navy);color:#fff;text-align:left;font-weight:700}
th,td{padding:13px 14px;vertical-align:top;border-bottom:1px solid var(--line)}
tr:last-child td{border-bottom:0}
.service-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin:22px 0}
.service-grid article{border-top:3px solid var(--blue);padding:20px;background:var(--warm)}
.service-grid p{margin-bottom:0}
.link-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin-top:18px}
.link-grid a,.guide-list a{display:block;padding:12px 14px;background:var(--warm);border:1px solid var(--line);border-radius:6px;text-decoration:none;font-weight:650}
.guide-list{display:grid;gap:10px}
.steps{counter-reset:step;display:grid;gap:16px;margin:22px 0}
.step{position:relative;padding:3px 0 3px 52px;min-height:42px}
.step:before{counter-increment:step;content:counter(step);position:absolute;left:0;top:0;width:36px;height:36px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800}
.step strong{display:block;color:var(--navy)}
.faq{margin:12px 0;border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;padding:15px 4px;font-weight:750;color:var(--navy)}
.faq div{padding:0 4px 15px}
.related{background:var(--navy);color:#fff;padding:44px 0}
.related h2{color:#fff}
.related-links{display:flex;gap:10px;flex-wrap:wrap}
.related-links a{color:#fff;border:1px solid rgba(255,255,255,.4);padding:10px 13px;border-radius:6px;text-decoration:none}
.sources{font-size:.9rem;color:var(--muted);background:#fafafa;border:1px solid var(--line);padding:18px;border-radius:8px}
.sources h3{font-size:1rem}
.sources ul{margin-bottom:0}
.contact-cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.contact-card{padding:20px;background:var(--warm);border:1px solid var(--line);border-radius:7px;text-decoration:none}
.contact-card strong,.contact-card span{display:block}
.contact-card strong{color:var(--navy);font-family:Poppins,system-ui,sans-serif}
.cta-band{background:#e7eef1;border-top:1px solid var(--line);padding:44px 0}
.cta-flex{display:flex;align-items:center;justify-content:space-between;gap:28px}
.cta-flex h2{margin-bottom:.25em}
.cta-flex p{margin:0}
.site-footer{background:#0b2235;color:#dfe7eb;padding:50px 0 90px}
.footer-grid{display:grid;grid-template-columns:1.3fr repeat(3,1fr);gap:35px}
.site-footer h3{color:#fff;font-size:1rem}
.site-footer a{display:block;color:#dfe7eb;text-decoration:none;margin:6px 0}
.footer-brand img{width:185px;filter:brightness(0) invert(1)}
.footer-small{margin-top:36px;border-top:1px solid rgba(255,255,255,.15);padding-top:20px;color:#aebcc4;font-size:.84rem}
.mobile-cta{display:none}
@media(max-width:980px){
  .main-nav,.header-phone,.navbar>.btn{display:none}
  .menu-toggle{display:block}
  .main-nav.open{display:flex;position:absolute;left:0;right:0;top:78px;background:#fff;border-bottom:1px solid var(--line);padding:14px 18px 22px;flex-direction:column;align-items:stretch;gap:0}
  .main-nav.open>a,.main-nav.open .drop>button{padding:12px 0;text-align:left}
  .drop-menu{position:static;display:block;border:0;box-shadow:none;padding:0 0 0 14px}
  .hero-grid{grid-template-columns:1fr;padding:46px 0;gap:30px}
  .hero-image{max-width:700px}
  .layout{grid-template-columns:1fr;gap:20px}
  .toc{position:static;order:-1;border-left:0;border-top:3px solid var(--blue);padding:12px 0 0}
}
@media(max-width:640px){
  .container{width:min(calc(100% - 26px),var(--max))}
  .navbar{height:68px}.brand img{width:150px}.main-nav.open{top:68px}
  h1{font-size:2.45rem}
  .service-grid,.link-grid,.contact-cards,.footer-grid{grid-template-columns:1fr}
  .cta-flex{align-items:flex-start;flex-direction:column}
  .site-footer{padding-bottom:92px}
  .mobile-cta{display:grid;grid-template-columns:1fr 1fr;position:fixed;bottom:0;left:0;right:0;z-index:60;background:#fff;border-top:1px solid var(--line)}
  .mobile-cta a{padding:12px 8px;text-align:center;text-decoration:none;font-weight:800}
  .mobile-cta a:first-child{color:var(--navy)}
  .mobile-cta a:last-child{background:var(--navy);color:#fff}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}