:root{--navy:#092d4e;--blue:#0d4d7a;--orange:#ef7c21;--ink:#17212b;--muted:#52616e;--paper:#f5f7f9;--white:#fff;--line:#dce3e8;--radius:16px;--shadow:0 10px 30px rgba(9,45,78,.12)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:16px/1.65 Arial,sans-serif;color:var(--ink);background:#fff}a{color:var(--blue)}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid var(--orange);outline-offset:3px}.skip{position:absolute;left:-999px}.skip:focus{left:1rem;top:1rem;background:#fff;padding:.6rem;z-index:10}.wrap{width:min(1120px,92%);margin:auto}.top{background:var(--navy);color:#fff;font-size:.92rem}.top .wrap{min-height:40px;display:flex;align-items:center;justify-content:flex-end;gap:1.25rem}.top a{color:#fff}.header{position:sticky;top:0;z-index:5;background:#fff;border-bottom:1px solid var(--line)}.nav{display:flex;min-height:74px;align-items:center;justify-content:space-between;gap:1rem}.brand{color:var(--navy);font-weight:900;font-size:1.25rem;text-decoration:none;letter-spacing:.03em}.brand span{color:var(--orange)}.menu{display:flex;align-items:center;gap:.9rem}.menu a{text-decoration:none;color:var(--ink);font-weight:700;font-size:.93rem}.menu a:hover,.menu a.active{color:var(--orange)}.nav-toggle{display:none}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:45px;border:2px solid var(--orange);border-radius:7px;padding:.5rem 1rem;background:var(--orange);color:#fff!important;text-decoration:none;font-weight:800;cursor:pointer}.btn.alt{background:#fff;color:var(--navy)!important;border-color:#fff}.btn.ghost{background:transparent;color:var(--orange)!important}.hero{background:linear-gradient(120deg,rgba(4,30,54,.96),rgba(9,69,108,.88));color:#fff;padding:5.5rem 0}.hero.compact{padding:3.5rem 0}.eyebrow{font-weight:800;letter-spacing:.09em;text-transform:uppercase;color:#ffad61;font-size:.8rem}.hero h1{max-width:800px;margin:.35rem 0 1rem;font-size:clamp(2.15rem,5vw,4rem);line-height:1.13}.hero p{max-width:700px;font-size:1.15rem}.actions{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1.5rem}.trust{padding:1rem 0;background:#eaf1f6;color:var(--navy);font-weight:700}.trust .wrap{display:flex;gap:1.5rem;flex-wrap:wrap}.section{padding:4.5rem 0}.section.tint{background:var(--paper)}h2{font-size:clamp(1.65rem,3vw,2.45rem);line-height:1.2;color:var(--navy);margin:0 0 .8rem}h3{color:var(--navy);line-height:1.3}.lead{font-size:1.12rem;max-width:780px;color:var(--muted)}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem;margin-top:2rem}.grid.two{grid-template-columns:repeat(2,1fr)}.card{background:#fff;border:1px solid var(--line);padding:1.5rem;border-radius:var(--radius);box-shadow:0 3px 12px rgba(9,45,78,.04)}.card h3{margin-top:0}.card a{font-weight:800}.steps{counter-reset:steps}.steps .card:before{counter-increment:steps;content:counter(steps);display:grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--orange);color:#fff;font-weight:bold;margin-bottom:.8rem}.split{display:grid;grid-template-columns:1.05fr .95fr;gap:3rem;align-items:center}.panel{background:var(--navy);color:#fff;border-radius:var(--radius);padding:2rem}.panel h2,.panel h3{color:#fff}.notice{padding:1rem 1.2rem;border-left:4px solid var(--orange);background:#fff5ea}.links{display:flex;flex-wrap:wrap;gap:.75rem}.links a{background:#fff;padding:.55rem .75rem;border:1px solid var(--line);border-radius:6px;font-weight:700;text-decoration:none}.faq details{border-bottom:1px solid var(--line);padding:1rem 0}.faq summary{font-weight:800;cursor:pointer;color:var(--navy)}form{display:grid;gap:1rem}label{font-weight:700;color:var(--navy)}input,select,textarea{width:100%;margin-top:.3rem;padding:.75rem;border:1px solid #aebbc5;border-radius:6px;font:inherit}textarea{min-height:130px}.check{display:flex;align-items:flex-start;gap:.6rem;font-size:.92rem}.check input{width:auto;margin-top:.25rem}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.footer{background:#071f35;color:#dbe7f0;padding:3rem 0 1.5rem}.footer a{color:#fff}.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:2rem}.footer h2{color:#fff;font-size:1.15rem}.legal{border-top:1px solid #31516b;margin-top:2rem;padding-top:1rem;font-size:.88rem}.call{position:fixed;right:14px;bottom:14px;z-index:4;border-radius:50px;box-shadow:var(--shadow)}@media(max-width:850px){.nav-toggle{display:block;border:0;background:none;font-size:1.55rem}.menu{display:none;position:absolute;top:74px;left:0;right:0;background:#fff;padding:1rem 4%;flex-direction:column;align-items:stretch;border-bottom:1px solid var(--line)}.menu.open{display:flex}.grid,.grid.two,.split,.foot-grid{grid-template-columns:1fr}.hero{padding:4rem 0}.top .wrap{justify-content:center}.form-grid{grid-template-columns:1fr}}@media(min-width:851px){.call{display:none}}