*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:#17283a;background:#f5f8fa}
a{color:#0b5d8e}a:focus-visible,.btn:focus-visible{outline:3px solid #f26b21;outline-offset:2px}.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:9}
.top{background:#0b3b5c;position:sticky;top:0;z-index:5}.bar{display:flex;align-items:center;gap:18px;min-height:62px;flex-wrap:wrap}
.logo{color:#fff;text-decoration:none;font-size:1.25rem;font-weight:600;display:flex;align-items:center;gap:8px;letter-spacing:.2px}.logo b{color:#7fd3ee;font-weight:700}
.mark{width:22px;height:22px;border-radius:50%;border:3px solid #7fd3ee;border-left-color:transparent;display:inline-block}
nav{display:flex;gap:16px;flex:1;flex-wrap:wrap}nav a{color:#d6e8f2;text-decoration:none;font-size:.95rem}nav a:hover{color:#fff}
.call{background:#f26b21;color:#fff;text-decoration:none;padding:8px 14px;border-radius:6px;font-weight:600}
.hero{background:linear-gradient(180deg,#0b3b5c,#124a70);color:#fff;padding:56px 0 52px}.hero h1{font-size:clamp(2rem,5vw,3.2rem);line-height:1.12;margin:0 0 14px;max-width:18ch}
.hero p{max-width:60ch;color:#d6e8f2;margin:0 0 22px;font-size:1.08rem}.row{display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-block;background:#f26b21;color:#fff;text-decoration:none;padding:13px 20px;border-radius:6px;font-weight:600}.btn.ghost{background:transparent;border:2px solid #7fd3ee;color:#fff}
.note{font-size:.9rem;color:#a9cadb;margin-top:14px}
section{padding:40px 0}h2{font-size:1.65rem;line-height:1.25;margin:0 0 14px;color:#0b3b5c}h3{margin:0 0 6px;color:#0b3b5c;font-size:1.1rem}
.grid{display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(230px,1fr))}.card{background:#fff;border:1px solid #d9e4ea;border-radius:8px;padding:18px}
.card p{margin:0;font-size:.95rem}.prose{max-width:70ch}.prose p{margin:0 0 14px}
.chips{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:0}.chips a{display:block;background:#fff;border:1px solid #cddbe3;border-radius:999px;padding:6px 14px;text-decoration:none;font-size:.95rem}.chips a:hover{background:#e3f1f8}
.list{padding-left:20px;margin:0}.list li{margin:6px 0}.crumb{padding-top:16px;font-size:.88rem;color:#52667a}.crumb a{color:#52667a}
details{background:#fff;border:1px solid #d9e4ea;border-radius:8px;padding:12px 16px;margin:8px 0}summary{cursor:pointer;font-weight:600;color:#0b3b5c}details p{margin:8px 0 0}
.cta{background:#0b3b5c;color:#fff;text-align:center}.cta h2{color:#fff}.cta .row{justify-content:center}.cta p{color:#d6e8f2}
.foot{background:#08283f;color:#b9d0dd;padding:36px 0 90px;font-size:.92rem}.foot a{color:#d6e8f2}.foot ul{list-style:none;padding:0;margin:6px 0}.foot li{margin:3px 0}
.fgrid{display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}.legal{margin-top:22px;font-size:.82rem;color:#8eaabb}
.sticky{display:none}@media(max-width:700px){.sticky{display:grid;grid-template-columns:1fr 1fr;position:fixed;bottom:0;left:0;right:0;z-index:6}.sticky a{padding:14px;text-align:center;color:#fff;background:#f26b21;font-weight:700;text-decoration:none}.sticky a+a{background:#1f9d55}.call{display:none}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}