:root{--g:#334155;--g2:#475569;--acc:#0f766e;--acc2:#115e59;--bg:#f4f5f7;--ft:#1e293b;--ink:#1d2228;--mut:#56606b;--card:#fff;--line:#dde1e7;--r:4px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--g2)}a:hover{color:var(--acc2)}
h1,h2,h3{line-height:1.2;color:var(--g);margin:0 0 .5em;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif}
h1{font-size:clamp(1.9rem,4.6vw,2.7rem)}h2{font-size:clamp(1.35rem,3vw,1.75rem);margin-top:1.6em}h3{font-size:1.1rem;margin-top:1.2em}
p{margin:0 0 1em}ul{padding-left:1.2em;margin:0 0 1em}li{margin:.3em 0}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:99}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:0 22px;border-radius:var(--r);background:var(--acc);color:#fff;font-weight:700;text-decoration:none;border:2px solid var(--acc);cursor:pointer;font-size:1rem;font-family:inherit}
.btn:hover{background:var(--acc2);border-color:var(--acc2);color:#fff}.btn-ghost{background:transparent;border-color:rgba(255,255,255,.75)}.btn-ghost:hover{background:rgba(255,255,255,.12)}.btn.full{width:100%}
.hdr{background:var(--g);color:#fff;position:sticky;top:0;z-index:20}
.hdr-in{display:flex;align-items:center;gap:14px;min-height:62px}
.logo{color:#fff;text-decoration:none;font-weight:800;font-size:1.02rem;line-height:1.2}.logo small{display:block;font-weight:500;opacity:.8;font-size:.78rem}.logo:hover{color:#fff}
#nav{margin-left:auto}.nav{list-style:none;display:flex;gap:2px;margin:0;padding:0}.nav li{margin:0}
.nav a{color:#fff;text-decoration:none;padding:9px 12px;display:block;border-radius:var(--r);font-size:.95rem}.nav a:hover{background:rgba(255,255,255,.12);color:#fff}
.hdr-cta{display:flex;gap:8px}.hdr-cta .btn{min-height:42px;padding:0 14px;font-size:.92rem;white-space:nowrap}
.menu-btn{display:none;margin-left:auto;background:none;border:1px solid rgba(255,255,255,.6);color:#fff;border-radius:var(--r);padding:8px 12px;font:inherit}
.hero{background:var(--g);color:#fff;padding:44px 0 48px}.hero h1{color:#fff}.hero .lead{font-size:1.1rem;color:#eef1f4}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:36px;align-items:start}
.kicker{text-transform:uppercase;letter-spacing:.08em;font-size:.8rem;font-weight:700;color:#f2d38a;margin-bottom:.6em}
.ticks{list-style:none;padding:0}.ticks li::before{content:"\2713";color:#f2d38a;font-weight:800;margin-right:8px}
.hero-cta{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.hero-sub{padding:30px 0}
.est{background:var(--card);color:var(--ink);border-radius:var(--r);padding:22px;box-shadow:0 14px 34px rgba(0,0,0,.2);border-top:5px solid var(--acc)}
.est h2{margin-top:0;font-size:1.3rem}.est-sub,.est-note{color:var(--mut);font-size:.92rem}
.est label{display:block;font-weight:600;font-size:.92rem;margin:10px 0 0}.opt{font-weight:400;color:var(--mut)}
.est input,.est select,.est textarea{display:block;width:100%;margin-top:4px;padding:11px 12px;border:1px solid #c5ccd5;border-radius:6px;font:inherit;font-size:16px;background:#fff}
.est .btn{margin-top:16px}.hp{position:absolute;left:-9999px}
.main{padding:20px 0 40px}.prose{max-width:760px}
.two-col{display:grid;grid-template-columns:1fr 360px;gap:36px;align-items:start;padding:24px 20px 40px}.side{position:sticky;top:80px}
.callband{background:var(--card);border:1px solid var(--line);border-left:6px solid var(--acc);border-radius:var(--r);padding:20px 22px;margin:28px 0;display:flex;gap:16px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.callband p{margin:0;font-weight:600}
.svc{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:16px 20px;margin:14px 0}.svc h2{margin-top:.2em;font-size:1.25rem}.svc p{margin:0}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:14px 16px;margin-bottom:10px}.faq summary{font-weight:700;cursor:pointer}.faq details p{margin:.7em 0 0}
.sources{font-size:.88rem;color:var(--mut)}
.cta-band{background:var(--g);color:#fff;border-radius:var(--r);padding:28px;text-align:center;margin-top:30px}.cta-band h2{color:#fff;margin-top:0}
.ftr{background:var(--ft);color:#d3d8de;padding:36px 0 22px;font-size:.93rem}.ftr a{color:#eceff2}
.ft-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:28px}.ft-brand{font-weight:800;color:#fff;font-size:1.08rem;margin-bottom:4px}
.ft-phone{display:inline-block;font-weight:800;font-size:1.2rem;color:#fff;margin-bottom:8px;text-decoration:none}
.ft-legal{border-top:1px solid rgba(255,255,255,.15);margin-top:22px;padding-top:14px;font-size:.82rem;color:#b3bcc6}

@media(max-width:940px){.hero-grid,.two-col,.ft-grid{grid-template-columns:1fr}.side{position:static}
.menu-btn{display:block}#nav{display:none;position:absolute;top:62px;left:0;right:0;background:var(--g);padding:8px 16px 14px;margin:0}#nav.open{display:block}.nav{flex-direction:column}.hdr-cta .hide-sm{display:none}.hdr-cta{margin-left:8px}.menu-btn{margin-left:auto}}
@media(max-width:520px){.num{display:none}.logo{font-size:.9rem}.logo small{font-size:.7rem}.hdr-cta .btn{padding:0 10px;font-size:.84rem}}