:root{
  --navy:#12355b;--navy-2:#1d4f80;--teal:#0f7c8c;--orange:#e07a1f;--orange-2:#c86512;
  --ink:#1c2733;--muted:#56657a;--line:#dfe6ee;--bg:#ffffff;--soft:#f3f7fb;--soft-2:#eaf3f5;
  --radius:14px;--max:1120px;
  --font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);font-size:17px;line-height:1.65}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy-2)}
a:hover{color:var(--orange-2)}
h1,h2,h3{line-height:1.25;color:var(--navy);margin:0 0 .6em}
h1{font-size:clamp(1.9rem,4vw,2.7rem);letter-spacing:-.01em}
h2{font-size:clamp(1.4rem,2.6vw,1.85rem);margin-top:1.8em}
h3{font-size:1.18rem;margin-top:1.4em}
p{margin:0 0 1em}
ul,ol{padding-left:1.25em;margin:0 0 1.1em}
li{margin:.25em 0}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:100}
.skip:focus{left:8px}

/* header */
.top{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.top .wrap{max-width:1280px;display:flex;align-items:center;gap:16px;min-height:68px}
.brand{display:flex;flex-direction:column;text-decoration:none;line-height:1.15;margin-right:auto}
.brand b{white-space:nowrap;color:var(--navy);font-size:1.08rem;letter-spacing:.01em}
.brand small{white-space:nowrap;color:var(--orange-2);font-size:.78rem;font-weight:600;text-transform:uppercase;letter-spacing:.06em}
.nav{display:flex;gap:4px;align-items:center}
.nav a{white-space:nowrap;padding:8px 9px;border-radius:8px;text-decoration:none;color:var(--ink);font-size:.95rem;font-weight:500}
.nav a:hover,.nav a[aria-current=page]{background:var(--soft);color:var(--navy)}
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--orange);color:#fff!important;text-decoration:none;font-weight:700;padding:12px 20px;border-radius:999px;border:0;font-size:1rem;cursor:pointer;transition:background .15s}
.btn:hover{background:var(--orange-2)}
.btn.ghost{background:transparent;color:var(--navy)!important;border:2px solid var(--navy)}
.btn.ghost:hover{background:var(--navy);color:#fff!important}
.btn svg{width:20px;height:20px;fill:currentColor}
.top .btn{padding:9px 16px;font-size:.92rem}
.menu-toggle{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 10px;font-size:1rem;cursor:pointer}
@media (max-width:1180px){
  .menu-toggle{display:block}
  .nav{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:10px 20px 18px;border-bottom:1px solid var(--line);box-shadow:0 10px 20px rgba(0,0,0,.06)}
  .nav.open{display:flex}
  .top .btn.desk{display:none}
}

/* hero */
.hero{background:linear-gradient(135deg,var(--soft) 0%,var(--soft-2) 100%);padding:56px 0 48px;border-bottom:1px solid var(--line)}
.hero .grid{display:grid;grid-template-columns:1.25fr .75fr;gap:40px;align-items:center}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--teal);margin-bottom:10px}
.lead{font-size:1.15rem;color:var(--muted);max-width:640px}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin:22px 0 14px}
.trust{display:flex;flex-wrap:wrap;gap:8px 18px;font-size:.92rem;color:var(--muted);padding:0;list-style:none}
.trust li::before{content:"✓ ";color:var(--teal);font-weight:700}
.doc-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:0 8px 24px rgba(18,53,91,.07)}
.doc-card img{border-radius:10px;margin-bottom:14px;aspect-ratio:4/5;object-fit:cover;width:100%;background:var(--soft)}
.doc-card b{display:block;color:var(--navy);font-size:1.1rem}
.doc-card .reg{font-size:.88rem;color:var(--muted);margin-top:6px}
@media (max-width:860px){.hero .grid{grid-template-columns:1fr}.doc-card{max-width:420px}}

/* page header */
.phead{background:var(--soft);border-bottom:1px solid var(--line);padding:30px 0 26px}
.crumbs{font-size:.86rem;color:var(--muted);margin-bottom:10px}
.crumbs a{color:var(--muted)}
.phead .lead{margin-bottom:0}

/* layout */
.main{padding:36px 0 56px}
.cols{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:44px;align-items:start}
.side{position:sticky;top:90px;display:flex;flex-direction:column;gap:18px}
@media (max-width:960px){.cols{grid-template-columns:1fr}.side{position:static}}
.box{background:var(--soft);border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.box h3,.box h2{margin-top:0;font-size:1.08rem}
.box.cta{background:var(--navy);color:#fff;border:0}
.box.cta h3,.box.cta h2{color:#fff}
.box.cta p{color:#d6e2ef}
.box ul{margin-bottom:0}
.side nav a{display:block;padding:6px 0;text-decoration:none;border-bottom:1px dashed var(--line);font-size:.95rem}
.content{max-width:760px}
.content > h2:first-child{margin-top:0}
.note{border-left:4px solid var(--teal);background:var(--soft-2);padding:14px 18px;border-radius:0 10px 10px 0;margin:1.4em 0}
.warn{border-left:4px solid #c0392b;background:#fdf1ef;padding:14px 18px;border-radius:0 10px 10px 0;margin:1.4em 0;font-size:.95rem}
.toc{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:16px 20px;margin:0 0 1.6em}
.toc b{color:var(--navy)}
.toc ol{margin:.5em 0 0}
table{width:100%;border-collapse:collapse;margin:1em 0 1.4em;font-size:.95rem}
th,td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
th{background:var(--soft);color:var(--navy)}
.table-wrap{overflow-x:auto}

/* cards */
.section{padding:52px 0}
.section.alt{background:var(--soft)}
.section h2{margin-top:0}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:18px;margin-top:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px;text-decoration:none;color:var(--ink);transition:box-shadow .15s,border-color .15s;display:flex;flex-direction:column}
.card:hover{border-color:var(--teal);box-shadow:0 8px 22px rgba(15,124,140,.12);color:var(--ink)}
.card h3{margin:0 0 .4em;font-size:1.08rem}
.card p{margin:0;color:var(--muted);font-size:.95rem}
.card .more{margin-top:auto;padding-top:12px;font-weight:700;color:var(--navy-2);font-size:.92rem}
.feature{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
@media (max-width:860px){.feature{grid-template-columns:1fr}}
.steps{counter-reset:s;list-style:none;padding:0}
.steps li{counter-increment:s;position:relative;padding-left:46px;margin:0 0 16px}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:32px;height:32px;border-radius:50%;background:var(--teal);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center}

/* faq */
.faq details{border:1px solid var(--line);border-radius:12px;padding:0 18px;margin:0 0 10px;background:#fff}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:14px 0;list-style:none;position:relative;padding-right:28px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:12px;font-size:1.4rem;color:var(--teal)}
.faq details[open] summary::after{content:"–"}
.faq details > div{padding:0 0 14px}

/* author */
.author{display:flex;gap:16px;align-items:flex-start;border-top:1px solid var(--line);margin-top:2.2em;padding-top:1.4em;font-size:.93rem;color:var(--muted)}
.author .av{flex:0 0 56px;height:56px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700}
.author b{color:var(--ink)}

/* footer */
.foot{background:var(--navy);color:#cfdbe8;padding:44px 0 22px;font-size:.93rem}
.foot a{color:#fff;text-decoration:none}
.foot a:hover{text-decoration:underline;color:#fff}
.foot .grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:28px}
.foot h2{color:#fff;font-size:1rem;margin:0 0 10px}
.foot ul{list-style:none;padding:0;margin:0}
.foot li{margin:5px 0}
.foot .legal{border-top:1px solid rgba(255,255,255,.15);margin-top:30px;padding-top:16px;font-size:.84rem;color:#a9bbcf}
@media (max-width:860px){.foot .grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.foot .grid{grid-template-columns:1fr}}

.wa-float{position:fixed;right:18px;bottom:18px;width:58px;height:58px;border-radius:50%;background:#25d366;display:flex;align-items:center;justify-content:center;box-shadow:0 6px 18px rgba(0,0,0,.2);z-index:60}
.wa-float svg{width:30px;height:30px;fill:#fff}
.map{border:0;width:100%;height:340px;border-radius:var(--radius)}
.blog-meta{font-size:.88rem;color:var(--muted);margin-bottom:1em}