:root{--navy:#0B3D91;--navy2:#082d6b;--gold:#E2A900;--bg:#F5F7FA;--ink:#333;--mut:#5b6472;--line:#dde3ec}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;font:16px/1.6 Inter,"Open Sans",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:#fff}
a{color:var(--navy)}img{max-width:100%}.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
header.top{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:64px;flex-wrap:wrap}
.logo{font-weight:800;font-size:22px;color:var(--navy);text-decoration:none;letter-spacing:-.3px}.logo span{color:var(--gold)}
nav.main{display:flex;gap:16px;flex-wrap:wrap;align-items:center}nav.main a{text-decoration:none;color:var(--ink);font-weight:600;font-size:15px}
.btn{display:inline-block;background:var(--gold);color:#1a1a1a;font-weight:700;text-decoration:none;padding:12px 20px;border-radius:10px;border:0;cursor:pointer;font-size:16px}
.btn.alt{background:var(--navy);color:#fff}.btn.ghost{background:#fff;color:var(--navy);border:2px solid var(--navy)}
.callbar{background:var(--navy);color:#fff;font-size:15px}.callbar .wrap{padding:8px 20px;display:flex;justify-content:space-between;gap:10px;flex-wrap:wrap}.callbar a{color:#fff;font-weight:700}
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;padding:56px 0 48px}
.hero h1{font-size:36px;line-height:1.2;margin:0 0 14px;max-width:760px}.hero p{font-size:19px;max-width:700px;margin:0 0 22px;color:#e8eefb}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap}.hero .btn.ghost{background:transparent;color:#fff;border-color:#fff}
.tag{display:inline-block;background:rgba(226,169,0,.18);color:var(--gold);font-weight:700;font-size:13px;padding:4px 10px;border-radius:99px;margin-bottom:12px;letter-spacing:.3px;text-transform:uppercase}
section{padding:44px 0}section.alt{background:var(--bg)}h2{font-size:28px;line-height:1.25;color:var(--navy);margin:0 0 14px}h3{font-size:20px;margin:0 0 8px;color:var(--navy)}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px}.card p{margin:0}
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:14px}.steps li{counter-increment:s;position:relative;padding:16px 16px 16px 60px;background:#fff;border:1px solid var(--line);border-radius:12px}
.steps li:before{content:counter(s);position:absolute;left:16px;top:14px;width:30px;height:30px;border-radius:50%;background:var(--gold);color:#1a1a1a;font-weight:800;display:flex;align-items:center;justify-content:center}
.two{display:grid;grid-template-columns:1.2fr 1fr;gap:28px;align-items:start}@media(max-width:820px){.two{grid-template-columns:1fr}.hero h1{font-size:29px}nav.main .hm{display:none}}
form.lead{background:#fff;border:2px solid var(--navy);border-radius:14px;padding:20px}form.lead label{display:block;font-weight:600;font-size:14px;margin:10px 0 4px}
form.lead input,form.lead select,form.lead textarea{width:100%;padding:11px;border:1px solid #b9c3d3;border-radius:8px;font:inherit}form.lead .consent{display:flex;gap:8px;font-weight:400;font-size:12.5px;color:var(--mut);line-height:1.45}form.lead .consent input{width:auto;margin-top:3px}
.note{background:#fff8e1;border-left:4px solid var(--gold);padding:12px 16px;border-radius:6px;font-size:15px}.small{font-size:14px}.mut{color:var(--mut)}
details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:14px 16px;margin-bottom:10px}summary{font-weight:700;cursor:pointer;color:var(--navy)}details p{margin:10px 0 0}
.crumb{font-size:14px;color:var(--mut);padding:14px 0 0}.crumb a{color:var(--mut)}
footer{background:#0a1e45;color:#cfd8ea;padding:36px 0;font-size:14px}footer a{color:#fff}footer .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:20px}
.legal h2{font-size:22px;margin-top:26px}.legal{max-width:820px}.dir-list{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:8px 18px}.dir-list a{text-decoration:none}
.fac{display:grid;gap:10px}.fac .card{display:flex;justify-content:space-between;gap:12px;align-items:flex-start}.fac h3{font-size:18px;margin:0 0 4px}.fac h3 a{text-decoration:none}
.pill{display:inline-block;font-size:12px;font-weight:700;padding:2px 8px;border-radius:99px;background:#e9eef8;color:var(--navy);margin-right:4px}.pill.g{background:#fff4cc;color:#6b5000}
.st{color:#c58f00;font-size:15px;letter-spacing:1px;white-space:nowrap}.kv{display:grid;grid-template-columns:200px 1fr;gap:6px 14px;margin:0}.kv dt{font-weight:700;color:var(--navy)}.kv dd{margin:0}
.src{font-size:13px;color:var(--mut)}.ctaBox{background:var(--navy);color:#fff;border-radius:14px;padding:22px}.ctaBox h2{color:#fff}.ctaBox p{color:#e8eefb}
.filt{display:flex;gap:8px;flex-wrap:wrap;margin:8px 0 16px}.filt button{border:1px solid var(--line);background:#fff;border-radius:99px;padding:6px 12px;font-weight:600;cursor:pointer}.filt button.on{background:var(--navy);color:#fff;border-color:var(--navy)}
@media(max-width:640px){.kv{grid-template-columns:1fr}.fac .card{flex-direction:column}}