:root{--blue:#4BA8D8;--blue-d:#2E86B8;--ink:#23262d;--ink2:#3a3f48;--mute:#5c6370;--bg:#ffffff;--soft:#f3f8fb;--line:#dfe7ec}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:"Inter",system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
a{color:var(--blue-d)}img{max-width:100%}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
header.top{background:var(--ink);color:#fff;position:sticky;top:0;z-index:20}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px}
.brand{color:#fff;text-decoration:none;font-weight:800;letter-spacing:.2px;line-height:1.15}
.brand small{display:block;font-weight:500;color:#b9c3cc;font-size:12px;letter-spacing:.6px;text-transform:uppercase}
nav.main{display:flex;gap:18px;align-items:center}
nav.main a{color:#e8eef2;text-decoration:none;font-size:15px;font-weight:600}
nav.main a:hover{color:var(--blue)}
.btn{display:inline-block;background:var(--blue);color:#fff!important;text-decoration:none;font-weight:800;padding:14px 22px;border-radius:10px;font-size:17px;border:0}
.btn:hover{background:var(--blue-d)}
.btn.ghost{background:transparent;border:2px solid #fff}
.btn.sm{padding:9px 14px;font-size:15px}
.hero{background:linear-gradient(135deg,#23262d 0%,#2f3540 60%,#2E86B8 140%);color:#fff;padding:72px 0 64px}
.hero h1{font-size:clamp(32px,5vw,54px);line-height:1.08;margin:0 0 16px;font-weight:900;letter-spacing:-.5px}
.hero p.lead{font-size:clamp(18px,2.2vw,21px);color:#dbe4ea;max-width:720px;margin:0 0 28px}
.hero .ctas{display:flex;flex-wrap:wrap;gap:12px}
.kicker{display:inline-block;color:var(--blue);font-weight:800;text-transform:uppercase;letter-spacing:1.4px;font-size:13px;margin-bottom:10px}
section{padding:56px 0}
section.soft{background:var(--soft)}
h2{font-size:clamp(26px,3.4vw,36px);line-height:1.15;margin:0 0 14px;letter-spacing:-.3px}
h3{font-size:21px;margin:26px 0 8px}
.grid{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px}
.card h3{margin-top:0}
.card a.more{font-weight:700;text-decoration:none}
.facts{display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));margin:28px 0 0}
.fact{border-left:4px solid var(--blue);padding:4px 0 4px 14px}
.fact b{display:block;font-size:26px;color:#fff}
.fact span{color:#c9d3da;font-size:15px}
.prose{max-width:760px}
.prose ul{padding-left:22px}.prose li{margin:6px 0}
.faq details{border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin:10px 0;background:#fff}
.faq summary{font-weight:700;cursor:pointer}
.callband{background:var(--blue);color:#fff;padding:44px 0;text-align:center}
.callband h2{color:#fff}
.callband .btn{background:var(--ink)}
.crumbs{font-size:14px;color:#b9c3cc;margin-bottom:14px}.crumbs a{color:#dbe4ea}
footer{background:var(--ink);color:#c9d3da;padding:40px 0 90px;font-size:15px}
footer a{color:#e8eef2}
footer .cols{display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
footer h4{color:#fff;margin:0 0 8px}
.updated{color:var(--mute);font-size:14px}
.mobilecall{display:none}
@media(max-width:820px){nav.main a.hide-m,nav.main .btn.sm{display:none}nav.main{gap:10px}
.mobilecall{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:30;background:var(--ink);padding:10px 16px;gap:10px}
.mobilecall a{flex:1;text-align:center}}