:root{--navy:#0b2545;--navy2:#13315c;--sea:#1d5d9b;--sea-l:#e8f1fa;--sand:#f6f3ee;--ink:#0f1d33;--ink2:#38475e;--mut:#66758c;--line:#dfe5ee;--accent:#e2702b;--accent-d:#c95d1b;--ok:#1a7f52;--bad:#c0392b;--r:12px;--sh:0 1px 2px rgba(11,37,69,.06),0 8px 24px -12px rgba(11,37,69,.18)}
*{box-sizing:border-box;margin:0;padding:0}
html{-webkit-text-size-adjust:100%}
body{font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:#fff;line-height:1.6;font-size:16.5px;-webkit-font-smoothing:antialiased}
a{color:var(--sea)}
img,svg{max-width:100%}
.w{max-width:1140px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}
/* header */
.hd{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.hd .w{display:flex;align-items:center;gap:24px;height:68px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;font-size:19px;letter-spacing:-.02em}
.logo span b{color:var(--sea)}
.nav{display:flex;gap:22px;margin-left:auto;align-items:center}
.nav a{color:var(--ink2);text-decoration:none;font-weight:500;font-size:15px}
.nav a:hover{color:var(--navy)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 20px;border-radius:10px;font-weight:600;font-size:15.5px;text-decoration:none;border:1px solid transparent;cursor:pointer;font-family:inherit;line-height:1.2}
.btn-a{background:var(--accent);color:#fff}.btn-a:hover{background:var(--accent-d)}
.btn-o{background:#fff;color:var(--navy);border-color:#c9d3e0}.btn-o:hover{border-color:var(--navy)}
.btn-lg{padding:15px 26px;font-size:17px}
.nav .btn{color:#fff;padding:10px 16px}
.menu{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 10px;font:inherit;cursor:pointer}
@media(max-width:920px){.nav{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:12px 20px 20px;border-bottom:1px solid var(--line);gap:4px}.nav.on{display:flex}.nav a{padding:10px 0}.menu{display:block}}
/* hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy2) 70%,#1b4479 100%);color:#fff;padding:64px 0 72px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:48px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 48' preserveAspectRatio='none'%3E%3Cpath d='M0 30c180 18 360 18 540 0s360-18 540 0 270 12 360 6v12H0z' fill='%23ffffff'/%3E%3C/svg%3E") center/100% 100% no-repeat}
.hero .w{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
@media(max-width:920px){.hero .w{grid-template-columns:1fr;gap:32px}.hero{padding:40px 0 64px}}
.eyebrow{display:inline-block;font-size:13px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:#9fc3ea;margin-bottom:14px}
h1{font-size:clamp(32px,4.6vw,50px);line-height:1.1;letter-spacing:-.03em;font-weight:800}
.hero p.lead{font-size:19px;color:#d6e3f2;margin:18px 0 26px;max-width:560px}
.ticks{list-style:none;display:grid;gap:8px;color:#d6e3f2;font-size:15.5px}
.ticks li{padding-left:28px;position:relative}
.ticks li:before{content:"";position:absolute;left:0;top:4px;width:18px;height:18px;border-radius:50%;background:#2c7a5a url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z' fill='%23fff'/%3E%3C/svg%3E") center/12px no-repeat}
.qcard{background:#fff;color:var(--ink);border-radius:16px;padding:26px;box-shadow:0 30px 60px -20px rgba(0,0,0,.45)}
.qcard h2{font-size:21px;letter-spacing:-.02em;margin-bottom:4px}
.qcard .sm{color:var(--mut);font-size:14px;margin-bottom:16px}
/* forms */
label{display:grid;gap:6px;font-weight:600;font-size:14.5px;color:var(--ink2)}
label small{font-weight:400;color:var(--mut)}
input,select,textarea{width:100%;padding:12px 13px;border:1px solid #c9d3e0;border-radius:9px;font:inherit;font-size:16px;color:var(--ink);background:#fff}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--sea);box-shadow:0 0 0 3px rgba(29,93,155,.18)}
.fg{display:grid;gap:14px}
.f2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.f3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px}
@media(max-width:560px){.f3{grid-template-columns:1fr 1fr}}
.err{color:var(--bad);font-size:14px;min-height:20px}
.hint{font-size:13.5px;color:var(--mut);font-weight:400}
.chk{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:14px;color:var(--ink2)}
.chk input{width:18px;height:18px;margin-top:3px;flex:none}
.opts{display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:10px}
.opt{position:relative}
.opt input{position:absolute;opacity:0}
.opt span{display:block;border:1.5px solid #c9d3e0;border-radius:10px;padding:12px;font-weight:600;font-size:14.5px;cursor:pointer;text-align:center;background:#fff;color:var(--ink)}
.opt span small{display:block;font-weight:400;color:var(--mut);font-size:12.5px;margin-top:2px}
.opt input:checked+span{border-color:var(--sea);background:var(--sea-l);box-shadow:0 0 0 1px var(--sea)}
.opt input:focus-visible+span{outline:3px solid rgba(29,93,155,.35)}
/* sections */
section{padding:72px 0}
section.alt{background:var(--sand)}
section.dark{background:var(--navy);color:#fff}
h2{font-size:clamp(26px,3.2vw,36px);letter-spacing:-.025em;line-height:1.2}
.sh{max-width:720px;margin-bottom:36px}
.sh p{color:var(--ink2);font-size:18px;margin-top:10px}
.dark .sh p{color:#c7d6ea}
.kick{font-size:13px;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--sea);margin-bottom:8px;display:block}
.dark .kick{color:#9fc3ea}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
@media(max-width:920px){.grid3,.grid4{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.grid3,.grid2,.grid4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:var(--sh)}
.card h3{font-size:18.5px;letter-spacing:-.01em;margin:10px 0 6px}
.card p{color:var(--ink2);font-size:15.5px}
a.card{text-decoration:none;color:inherit;display:block;transition:border-color .15s}
a.card:hover{border-color:var(--sea)}
a.card .more{color:var(--sea);font-weight:600;font-size:15px;display:inline-block;margin-top:10px}
.ico{width:44px;height:44px;border-radius:10px;background:var(--sea-l);display:grid;place-items:center;color:var(--sea)}
.ico svg{width:24px;height:24px}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
@media(max-width:820px){.steps{grid-template-columns:1fr}}
.step{position:relative;padding-top:6px}
.step:before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;margin-bottom:14px}
.step h3{font-size:19px;margin-bottom:6px}.step p{color:var(--ink2)}
.note{background:var(--sea-l);border-left:4px solid var(--sea);padding:16px 18px;border-radius:8px;color:var(--ink2);font-size:15.5px}
.warn{background:#fff6ec;border-left-color:var(--accent)}
.cta{background:linear-gradient(135deg,var(--navy),#1b4479);color:#fff;border-radius:18px;padding:44px;display:flex;gap:24px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.cta h2{font-size:28px}.cta p{color:#c7d6ea;margin-top:6px}
/* article */
.page-hd{background:var(--sand);padding:48px 0 40px;border-bottom:1px solid var(--line)}
.page-hd h1{font-size:clamp(30px,4vw,44px);color:var(--navy)}
.page-hd p{font-size:19px;color:var(--ink2);margin-top:12px;max-width:760px}
.crumbs{font-size:14px;color:var(--mut);margin-bottom:12px}.crumbs a{color:var(--mut)}
.art{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:48px;padding:48px 20px 72px}
@media(max-width:920px){.art{grid-template-columns:1fr}}
.prose{max-width:760px}
.prose h2{font-size:27px;margin:38px 0 12px;color:var(--navy)}
.prose h3{font-size:20px;margin:26px 0 8px}
.prose p,.prose ul,.prose ol{margin-bottom:16px;color:var(--ink2)}
.prose ul,.prose ol{padding-left:22px}.prose li{margin-bottom:6px}
.prose table{width:100%;border-collapse:collapse;margin:8px 0 22px;font-size:15px}
.prose th,.prose td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
.prose th{background:var(--sand)}
.tw{overflow-x:auto}
.side .card{position:sticky;top:92px}
.side h3{font-size:18px;margin-bottom:6px}.side p{font-size:15px;color:var(--ink2);margin-bottom:14px}
.faq details{border-bottom:1px solid var(--line);padding:16px 0}
.faq summary{font-weight:600;cursor:pointer;font-size:17px;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary:after{content:"+";font-size:22px;color:var(--sea);line-height:1}
.faq details[open] summary:after{content:"–"}
.faq details p{margin-top:10px;color:var(--ink2)}
.src{font-size:13.5px;color:var(--mut)}
/* estimator */
.est{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px;box-shadow:var(--sh)}
.est-out{margin-top:18px;border-radius:12px;background:var(--sand);padding:20px;display:none}
.est-out.on{display:block}
.est-out .rng{font-size:34px;font-weight:800;color:var(--navy);letter-spacing:-.02em}
.est-out ul{padding-left:20px;margin:10px 0;color:var(--ink2);font-size:14.5px}
/* quote wizard */
.wiz{max-width:720px;margin:0 auto}
.prog{display:flex;gap:6px;margin:6px 0 24px}
.prog i{flex:1;height:6px;border-radius:9px;background:var(--line)}
.prog i.on{background:var(--sea)}
.stepl{font-size:14px;color:var(--mut);font-weight:600}
.pane{display:none}.pane.on{display:grid;gap:18px}
.pane h2{font-size:26px;color:var(--navy)}
.navb{display:flex;justify-content:space-between;gap:12px;margin-top:8px}
.done{text-align:center;padding:30px 0}
.done .big{width:64px;height:64px;border-radius:50%;background:#e3f4ec;color:var(--ok);display:grid;place-items:center;margin:0 auto 14px;font-size:32px}
/* footer */
.ft{background:#081a31;color:#a9b8cc;padding:56px 0 28px;font-size:15px}
.ft .w>div:first-child{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}
@media(max-width:820px){.ft .w>div:first-child{grid-template-columns:1fr 1fr}}
.ft h4{color:#fff;font-size:15px;margin-bottom:12px}
.ft a{color:#a9b8cc;text-decoration:none;display:block;padding:3px 0}.ft a:hover{color:#fff}
.ft .logo{color:#fff;margin-bottom:12px}
.ft .legal{border-top:1px solid #1b3152;margin-top:40px;padding-top:20px;font-size:13.5px;color:#7f91aa}