:root{--navy:#12294d;--navy-2:#0c1d38;--blue:#1e5fbf;--blue-l:#eaf1fb;--orange:#e8792b;--orange-d:#cf6416;--ink:#1c2b44;--mut:#57677f;--line:#dfe6f0;--bg:#ffffff;--soft:#f5f8fc}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Georgia,'Times New Roman',serif;color:var(--ink);background:var(--bg);line-height:1.75;font-size:17px}
h1,h2,h3,h4,.sans{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif}
a{color:var(--blue)}
img{max-width:100%;height:auto;display:block}
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:2147483001}
.skip:focus{left:8px;top:8px}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
/* NAV — z-index fix for third-party form widgets */
.nav{position:sticky;top:0;z-index:2147483000;isolation:isolate;background:var(--navy);box-shadow:0 2px 10px rgba(12,29,56,.25)}
.nav-in{display:flex;align-items:center;gap:26px;min-height:64px}
.logo{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:800;font-size:20px;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;letter-spacing:.2px}
.logo img{width:30px;height:30px}
.menu{display:flex;align-items:center;gap:4px;list-style:none}
.menu>li{position:relative}
.menu>li>a,.menu>li>button{display:flex;align-items:center;gap:6px;color:#e8eefb;text-decoration:none;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-size:15px;font-weight:600;padding:20px 13px;background:none;border:none;cursor:pointer;min-height:44px}
.menu>li>a:hover,.menu>li>button:hover,.menu>li>a:focus,.menu>li>button:focus{color:#fff;background:rgba(255,255,255,.08);outline-offset:-2px}
.caret{border:solid #e8eefb;border-width:0 2px 2px 0;display:inline-block;padding:2.6px;transform:rotate(45deg);margin-top:-3px}
.drop{position:absolute;top:100%;left:0;background:#fff;min-width:250px;border-radius:0 0 10px 10px;box-shadow:0 14px 34px rgba(12,29,56,.22);list-style:none;padding:8px 0;display:none}
.menu li.open .drop,.menu li:hover .drop{display:block}
.drop a{display:block;padding:11px 18px;color:var(--navy);text-decoration:none;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-size:14.5px;font-weight:500;min-height:44px}
.drop a:hover,.drop a:focus{background:var(--blue-l);color:var(--blue)}
.nav-gap{flex:1 1 auto;min-width:40px}
.btn-apply{background:var(--orange);color:#fff!important;text-decoration:none;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-weight:700;font-size:15px;padding:12px 26px;border-radius:8px;min-height:44px;display:inline-flex;align-items:center}
.btn-apply:hover,.btn-apply:focus{background:var(--orange-d)}
.nav-t{display:none;background:none;border:1px solid rgba(255,255,255,.35);color:#fff;border-radius:6px;padding:8px 10px;cursor:pointer;min-height:44px;min-width:44px}
/* HERO */
.hero{background:linear-gradient(120deg,var(--navy) 0%,var(--navy-2) 55%,#123a6e 100%);color:#fff;padding:52px 0 46px}
.hero-g{display:grid;grid-template-columns:1.15fr 1fr;gap:38px;align-items:center}
.hero h1{font-size:clamp(28px,3.6vw,42px);line-height:1.2;margin-bottom:14px;text-wrap:balance}
.hero p{color:#cdd9ee;font-size:18px;max-width:56ch}
.hero-cta{margin-top:22px;display:flex;gap:14px;flex-wrap:wrap}
.btn-ghost{border:2px solid #cdd9ee;color:#fff;text-decoration:none;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-weight:700;padding:11px 24px;border-radius:8px;min-height:44px;display:inline-flex;align-items:center}
.btn-ghost:hover,.btn-ghost:focus{background:rgba(255,255,255,.1)}
.hero img{border-radius:14px;box-shadow:0 18px 44px rgba(0,0,0,.35)}
.hero-badges{display:flex;gap:20px;margin-top:22px;flex-wrap:wrap;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-size:14px;color:#cdd9ee}
.hero-badges b{color:#fff;display:block;font-size:19px}
/* LAYOUT */
.crumb{background:var(--soft);border-bottom:1px solid var(--line)}
.crumb ol{list-style:none;display:flex;gap:8px;flex-wrap:wrap;padding:10px 0;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-size:13.5px}
.crumb li+li:before{content:"›";margin-right:8px;color:var(--mut)}
.crumb a{color:var(--blue);text-decoration:none}
.crumb span{color:var(--mut)}
.main-g{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:42px;padding:42px 0 56px}
article h2{color:var(--navy);font-size:27px;margin:38px 0 14px;line-height:1.3;text-wrap:balance}
article h3{color:var(--navy);font-size:20.5px;margin:26px 0 10px;text-wrap:balance}
article p{margin:0 0 16px}
article ul,article ol{margin:0 0 16px 24px}
article li{margin-bottom:8px}
article img{border-radius:12px;margin:8px auto 18px}
figure{margin:24px auto;max-width:520px}
figcaption{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-size:13px;color:var(--mut);text-align:center;margin-top:8px}
.lead{font-size:19px;color:var(--ink)}
.toc{background:var(--blue-l);border:1px solid #cddcf4;border-radius:12px;padding:18px 22px;margin:24px 0}
.toc b{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;color:var(--navy);display:block;margin-bottom:8px}
.toc ol{margin:0 0 0 20px;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-size:14.5px;columns:2;column-gap:28px}
.toc a{text-decoration:none}
.answer{background:var(--soft);border-left:4px solid var(--orange);border-radius:0 10px 10px 0;padding:14px 18px;margin:0 0 16px;font-size:17px}
table{width:100%;border-collapse:collapse;margin:18px 0 22px;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-size:15px}
caption{text-align:left;font-weight:700;color:var(--navy);padding-bottom:8px}
th{background:var(--navy);color:#fff;text-align:left;padding:11px 12px}
td{border-bottom:1px solid var(--line);padding:10px 12px;vertical-align:top}
tbody tr:nth-child(even){background:var(--soft)}
/* cards */
.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin:26px 0}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;box-shadow:0 4px 16px rgba(12,29,56,.06);display:flex;flex-direction:column}
.card img{border-radius:0;margin:0;width:100%;aspect-ratio:3/2;object-fit:cover}
.card-b{padding:18px 20px 20px;display:flex;flex-direction:column;flex:1}
.card h3{margin:0 0 8px;font-size:19px}
.card h3 a{color:var(--navy);text-decoration:none}
.card h3 a:hover{color:var(--blue)}
.card p{font-size:15px;color:var(--mut);margin-bottom:12px}
.card .amt{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-weight:800;color:var(--orange);font-size:24px;margin-bottom:6px}
.card .go{margin-top:auto;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-weight:700;font-size:14.5px;color:var(--blue);text-decoration:none}
/* sidebar */
aside{display:flex;flex-direction:column;gap:18px}
.sb{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 20px}
.sb h4{color:var(--navy);font-size:16px;margin-bottom:10px}
.sb p,.sb li{font-size:14.5px;color:var(--mut)}
.sb ul{list-style:none}
.sb li{padding:7px 0;border-bottom:1px dashed var(--line)}
.sb li:last-child{border:none}
.sb a{text-decoration:none;color:var(--blue);font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-weight:600;font-size:14.5px}
.sb a:hover{text-decoration:underline}
.sb.cta{background:var(--navy);color:#fff;text-align:center}
.sb.cta h4{color:#fff}
.sb.cta p{color:#cdd9ee}
.sb .stars{color:var(--orange);font-size:19px;letter-spacing:2px}
.sb .big{font-size:26px;font-weight:800;color:var(--navy);font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif}
/* mini faq */
.mfaq details{border:1px solid var(--line);border-radius:10px;margin-bottom:10px;background:#fff}
.mfaq summary{cursor:pointer;padding:14px 18px;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-weight:700;color:var(--navy);min-height:44px}
.mfaq div{padding:0 18px 16px}
/* CTA zone */
.ctaz{background:linear-gradient(115deg,var(--blue) 0%,var(--navy) 70%);color:#fff;padding:44px 0;text-align:center}
.ctaz h2{font-size:29px;margin-bottom:10px;text-wrap:balance}
.ctaz p{color:#cdd9ee;max-width:64ch;margin:0 auto 20px}
/* footer */
footer{background:var(--navy-2);color:#b9c6dd;padding:48px 0 26px;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-size:14px}
.foot-g{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:34px;margin-bottom:30px}
footer h4{color:#fff;font-size:15px;margin-bottom:12px}
footer ul{list-style:none}
footer li{margin-bottom:8px}
footer a{color:#b9c6dd;text-decoration:none}
footer a:hover,footer a:focus{color:#fff;text-decoration:underline}
.disc{border-top:1px solid #23395e;padding-top:20px;font-size:12.5px;line-height:1.7;color:#8fa1c0}
.copy{margin-top:14px;font-size:13px}
/* misc */
.form-shell{position:relative;z-index:1;isolation:isolate;margin:34px auto;max-width:980px;padding:0 20px}
#totop{position:fixed;right:18px;bottom:18px;width:46px;height:46px;border-radius:50%;background:var(--orange);color:#fff;border:none;font-size:20px;cursor:pointer;display:none;z-index:2147482000;box-shadow:0 6px 18px rgba(0,0,0,.25)}
#totop:hover{background:var(--orange-d)}
.share{display:flex;gap:10px;margin:22px 0}
.share a{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-size:13.5px;font-weight:700;text-decoration:none;border:1px solid var(--line);border-radius:8px;padding:9px 14px;color:var(--navy);min-height:44px;display:inline-flex;align-items:center}
.share a:hover{background:var(--blue-l)}
.author{background:var(--soft);border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin:24px 0;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;font-size:14.5px}
.author b{color:var(--navy)}
.cards2{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin:22px 0}
.calc{background:var(--soft);border:1px solid var(--line);border-radius:14px;padding:26px;margin:24px 0;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif}
.calc label{display:block;font-weight:700;color:var(--navy);margin:14px 0 6px}
.calc input[type=range]{width:100%}
.calc select,.calc input[type=number]{width:100%;padding:11px;border:1px solid var(--line);border-radius:8px;font-size:16px}
.calc .out{background:#fff;border:2px solid var(--blue);border-radius:12px;padding:18px;margin-top:18px;text-align:center}
.calc .out b{font-size:32px;color:var(--navy)}
.est{font-size:12.5px;color:var(--mut)}
@media(max-width:960px){
.hero-g,.main-g,.foot-g{grid-template-columns:1fr}
.cards3{grid-template-columns:1fr}
.cards2{grid-template-columns:1fr}
.toc ol{columns:1}
.nav-t{display:block}
.menu{display:none;position:absolute;top:64px;left:0;right:0;background:var(--navy-2);flex-direction:column;align-items:stretch;padding:10px 0;gap:0;max-height:calc(100vh - 64px);overflow:auto}
.menu.open{display:flex}
.menu>li>a,.menu>li>button{width:100%;padding:14px 22px}
.drop{position:static;border-radius:0;box-shadow:none;background:#0a1830}
.drop a{color:#cdd9ee;padding-left:38px}
.nav-gap{display:none}
.btn-apply{margin:0 16px}
}