:root{--navy:#14263D;--teal:#0F766E;--white:#FFFFFF;--soft:#F4F7FA;--text:#172033;--accent:#F4B942;--muted:#475569;--err:#B42318;--line:#D5DDE6;--r:12px}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;font-size:1.0625rem;line-height:1.65;color:var(--text);background:var(--white);overflow-x:hidden}
img{max-width:100%;height:auto;display:block;border-radius:var(--r)}
figure{margin:0}
a{color:var(--teal);text-underline-offset:2px}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px;box-shadow:0 0 0 5px var(--navy);border-radius:4px}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
.narrow{max-width:820px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:100}
.skip:focus{left:10px;top:10px}
.preview-banner{background:var(--accent);color:var(--text);text-align:center;font-size:.9rem;padding:6px 12px;font-weight:600}
.pending{background:#FFF4D6;color:var(--text);border:1px dashed #9A6B00;padding:0 4px;border-radius:4px;font-size:.9em}
.draft-banner{background:#FFF4D6;border:2px solid #9A6B00;color:var(--text);padding:12px 16px;border-radius:var(--r);font-weight:700;margin-bottom:24px}
.hdr{background:var(--white);border-bottom:1px solid var(--line)}
.hdr-in{display:flex;align-items:center;gap:20px;flex-wrap:wrap;padding-top:14px;padding-bottom:14px}
.brand{display:flex;align-items:center;gap:10px;font-weight:700;color:var(--navy);text-decoration:none;font-size:1.1rem;margin-right:auto}
.nav{display:flex;flex-wrap:wrap;gap:4px 18px;list-style:none;margin:0;padding:0}
.nav a{color:var(--text);text-decoration:none;font-weight:500;padding:8px 2px;display:inline-block}
.nav a[aria-current=page]{color:var(--teal);box-shadow:inset 0 -2px 0 var(--teal)}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0 auto;padding:12px 20px 0;max-width:1160px;font-size:.9rem;color:var(--muted)}
.crumbs li+li::before{content:"/";margin-right:6px}
.hero{background:var(--navy);color:var(--white);padding:56px 0}
.hero-sm{padding:44px 0}
.hero h1{font-size:clamp(2rem,4.2vw,2.9rem);line-height:1.15;margin:0 0 16px;letter-spacing:-.01em}
.hero .lead{font-size:1.2rem;max-width:36em;margin:0 0 24px}
.hero a:not(.btn){color:var(--accent)}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:start}
.hero-note{font-size:.95rem;opacity:.92}
.hero-img{margin-top:24px}
.btns{display:flex;flex-wrap:wrap;gap:12px}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 22px;border-radius:10px;font-weight:600;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:1rem;font-family:inherit}
.btn-primary{background:var(--teal);color:var(--white)}
.btn-primary:hover{background:#0B5E58;color:#fff}
.btn-accent{background:var(--accent);color:var(--text)}
.btn-accent:hover{background:#E9A825;color:var(--text)}
.btn-ghost{border-color:var(--teal);color:var(--teal);background:#fff}
.btn-ghost-light{border-color:#fff;color:#fff}
.btn-block{width:100%}
.btn[disabled],fieldset[disabled] .btn{background:#CBD5E1;color:#334155;cursor:not-allowed}
.card{background:var(--white);color:var(--text);border:1px solid var(--line);border-radius:16px;padding:24px;box-shadow:0 6px 24px rgba(20,38,61,.12)}
.card a{color:var(--teal)}
.h3{font-size:1.3rem;margin:0 0 8px;line-height:1.3}
.disclaimer{background:var(--soft);border-left:4px solid var(--teal);padding:10px 12px;margin:0 0 14px;font-size:.95rem}
.form-off{background:#FFF4D6;border:1px solid #9A6B00;border-radius:8px;padding:10px 12px;margin-bottom:14px;font-size:.95rem}
fieldset{border:0;margin:0;padding:0;min-width:0}
fieldset[disabled] input,fieldset[disabled] select,fieldset[disabled] textarea{background:#EEF2F6}
.field{margin-bottom:14px}
.field label{display:block;font-weight:600;margin-bottom:4px}
.req,.opt{font-weight:400;color:var(--muted);font-size:.9rem}
input,select,textarea{width:100%;font:inherit;color:var(--text);padding:11px 12px;border:1.5px solid #8A97A8;border-radius:8px;background:#fff;min-height:48px}
input[aria-invalid=true],select[aria-invalid=true]{border-color:var(--err)}
.err{color:var(--err);font-size:.92rem;margin:4px 0 0;font-weight:600}
.hint,.small,.notice{font-size:.92rem;color:var(--muted);margin:4px 0}
.notice{margin:6px 0 12px}
.check{display:grid;grid-template-columns:24px 1fr;gap:10px;align-items:start}
.check input{width:22px;height:22px;min-height:0;margin-top:3px}
.check label{font-weight:400;font-size:.95rem}
.check .err{grid-column:1/-1}
.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
.form-status{padding:10px 12px;border-radius:8px;background:#FDECEA;color:var(--err);font-weight:600}
.sec{padding:56px 0}
.sec.alt{background:var(--soft)}
.sec h2{font-size:clamp(1.5rem,2.6vw,1.9rem);line-height:1.25;color:var(--navy);margin:0 0 12px}
.answer{font-size:1.1rem;margin:0 0 18px}
.ticks{padding-left:1.2em}.ticks li{margin-bottom:8px}
.steps{list-style:none;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.steps li{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px}
.steps span{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700}
.steps p{margin:10px 0 0;font-weight:600}
.highlight{background:var(--soft);border:2px solid var(--teal);border-radius:16px;padding:28px}
.split{display:grid;grid-template-columns:1.2fr 1fr;gap:28px;align-items:start}
.faq details{border-bottom:1px solid var(--line);padding:6px 0}
.faq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::after{content:"+";font-size:1.5rem;color:var(--teal);line-height:1.4}
.faq details[open] summary::after{content:"–"}
.faq summary h3{font-size:1.08rem;margin:8px 0;color:var(--text)}
.cta-band{background:var(--teal);color:#fff}
.cta-band h2{color:#fff}.cta-band a:not(.btn){color:#fff}
.contact-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:32px;align-items:start}
.legal h2{font-size:1.3rem;margin-top:28px}
.ftr{background:var(--navy);color:#fff;padding:44px 0 20px;font-size:.95rem}
.ftr a{color:#fff}
.ftr a:focus-visible{outline-color:var(--accent)}
.ftr-grid{display:grid;grid-template-columns:1.4fr 1fr .8fr;gap:28px}
.ftr-brand,.ftr-h{font-weight:700;margin:0 0 8px}
.ftr ul{list-style:none;padding:0;margin:0}.ftr li{margin-bottom:6px}
.ftr .pending{color:var(--text)}
.copy{opacity:.85;margin-top:24px}
.mbar{display:none}
@media (max-width:900px){.hero-grid,.split,.contact-grid{grid-template-columns:1fr;gap:28px}.ftr-grid{grid-template-columns:1fr}}
@media (max-width:700px){
 .steps{grid-template-columns:1fr}
 .hero{padding:36px 0}.sec{padding:40px 0}
 .nav{gap:2px 14px;font-size:.95rem}
 body{padding-bottom:76px}
 .mbar{display:flex;gap:8px;position:fixed;left:0;right:0;bottom:0;padding:8px 12px calc(8px + env(safe-area-inset-bottom));background:rgba(255,255,255,.97);border-top:1px solid var(--line);z-index:50}
 .mbar .btn{flex:1;min-height:46px;padding:10px}
 .field{scroll-margin-bottom:90px}
}
@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}
html{scroll-behavior:smooth;scroll-padding-bottom:90px}
.steps5{grid-template-columns:1fr;gap:12px}.steps5 li{display:grid;grid-template-columns:34px 1fr;gap:14px;align-items:start}.steps5 p{margin:4px 0 0;font-weight:400}
.table-wrap{overflow-x:auto;margin:8px 0 10px;background:#fff;border:1px solid var(--line);border-radius:var(--r)}
table{border-collapse:collapse;width:100%;font-size:.97rem}th,td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top}thead th{background:var(--navy);color:#fff}tbody th{font-weight:600}
@media (max-width:600px){table,thead,tbody,tr,th,td{display:block}thead{position:absolute;left:-9999px}tbody tr{border-bottom:2px solid var(--line);padding:6px 0}tbody th,td{border:0;padding:4px 14px}td:last-child{color:var(--teal);font-weight:600}}