:root{
  --primary:#0b3a66; --primary-dark:#082b4d; --accent:#e8702a;
  --ink:#16202b; --muted:#5b6b7a; --line:#e4e9ef; --bg-soft:#f5f8fb;
  --maxw:1120px; --radius:12px;
  --shadow:0 1px 3px rgba(16,32,43,.08),0 8px 24px rgba(16,32,43,.06);
  font-synthesis:none;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;color:var(--ink);background:#fff;
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:var(--primary)}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}
h1,h2,h3,h4{line-height:1.2;color:var(--ink);font-weight:800;letter-spacing:-.01em}
h1{font-size:2.4rem;margin:.2em 0 .4em}
h2{font-size:1.7rem;margin:1.8em 0 .5em}
h3{font-size:1.25rem;margin:1.4em 0 .4em}
p{margin:0 0 1.1em}
ul,ol{margin:0 0 1.2em;padding-left:1.3em}
li{margin:.35em 0}

/* top bar */
.topbar{background:var(--primary-dark);color:#cfe0f0;font-size:.85rem}
.topbar .wrap{display:flex;gap:18px;align-items:center;justify-content:space-between;padding:7px 20px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none;font-weight:600}
.topbar .badges span{margin-right:14px;opacity:.9}

/* header */
header.site{position:sticky;top:0;z-index:40;background:#fff;border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 20px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:900;font-size:1.15rem;letter-spacing:-.02em}
.logo .mark{width:38px;height:38px;border-radius:9px;background:var(--primary);color:#fff;display:grid;place-items:center;font-weight:900;font-size:.95rem}
nav.main{display:flex;gap:22px;align-items:center}
nav.main a{color:var(--ink);text-decoration:none;font-weight:600;font-size:.97rem}
nav.main a:hover{color:var(--primary)}
.btn{display:inline-block;background:var(--accent);color:#fff;text-decoration:none;font-weight:700;padding:11px 18px;border-radius:9px;border:0;cursor:pointer;font-size:.97rem;box-shadow:var(--shadow)}
.btn:hover{filter:brightness(.95)}
.btn.ghost{background:#fff;color:var(--primary);border:1.5px solid var(--line)}
.btn.on-dark{background:rgba(255,255,255,.10);color:#fff;border:1.5px solid rgba(255,255,255,.5)}
.btn.on-dark:hover{background:rgba(255,255,255,.2);filter:none}
.btn.nav{padding:9px 15px}
.m-nav{display:none}

/* hero */
.hero{background:linear-gradient(160deg,var(--primary) 0%,var(--primary-dark) 100%);color:#fff;padding:64px 0 70px}
.hero .eyebrow{color:#9fc1e6;font-weight:700;text-transform:uppercase;letter-spacing:.08em;font-size:.8rem;margin-bottom:10px}
.hero h1{color:#fff;font-size:2.7rem;max-width:18ch}
.hero p.lead{font-size:1.2rem;color:#dCE8f5;max-width:60ch;margin-top:.2em}
.hero .cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.hero .trust{display:flex;gap:22px;flex-wrap:wrap;margin-top:30px;color:#cfe0f0;font-size:.92rem}
.hero .trust b{color:#fff}
.hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:44px;align-items:center}
.hero-card{background:#fff;color:var(--ink);border-radius:16px;padding:26px 26px 22px;box-shadow:0 24px 60px rgba(0,0,0,.28)}
.hero-card .urgent{color:var(--accent);font-weight:800;text-transform:uppercase;font-size:.76rem;letter-spacing:.07em}
.hero-card h3{margin:.25em 0 .1em;font-size:1.25rem}
.hero-card .big-phone{font-size:1.85rem;font-weight:900;margin:.1em 0 .15em}
.hero-card .big-phone a{color:var(--primary);text-decoration:none}
.hero-card .sub{color:var(--muted);font-size:.92rem;margin:0 0 14px}
.hero-card .cta-row{margin:0 0 6px}
.hero-card ul{list-style:none;margin:12px 0 0;padding:0}
.hero-card li{padding:9px 0;border-top:1px solid var(--line);color:var(--ink);font-size:.92rem;display:flex;gap:9px;align-items:center}
.hero-card li b{color:var(--primary)}

/* sections */
section.block{padding:56px 0}
section.alt{background:var(--bg-soft)}
.section-head{max-width:62ch;margin-bottom:8px}
.section-head .eyebrow{color:var(--accent);font-weight:700;text-transform:uppercase;letter-spacing:.07em;font-size:.78rem}
.grid{display:grid;gap:18px}
.grid.c2{grid-template-columns:repeat(2,1fr)}
.grid.c3{grid-template-columns:repeat(3,1fr)}
.grid.c4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)}
.card h3{margin-top:0}
.card .ico{width:46px;height:46px;border-radius:11px;background:rgba(11,58,102,.07);color:var(--primary);display:grid;place-items:center;font-size:1.45rem;line-height:1;margin-bottom:14px}
.badges-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:18px}
.pill{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 15px;font-weight:700;font-size:.9rem;color:var(--primary)}
.areas{display:flex;gap:10px;flex-wrap:wrap;margin-top:14px}
.areas span{background:#fff;border:1px solid var(--line);border-radius:8px;padding:6px 12px;font-size:.9rem;color:var(--muted)}

/* CTA band */
.cta-band{background:var(--primary);color:#fff;border-radius:16px;padding:34px;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;box-shadow:var(--shadow)}
.cta-band h2{color:#fff;margin:0 0 4px}
.cta-band p{color:#cfe0f0;margin:0}
.cta-band .actions{display:flex;gap:12px;flex-wrap:wrap}

/* article */
.article{max-width:760px;margin:0 auto;padding:42px 20px 10px}
.article .crumbs{font-size:.85rem;color:var(--muted);margin-bottom:14px}
.article .crumbs a{color:var(--muted);text-decoration:none}
.article .meta{color:var(--muted);font-size:.9rem;margin:-.2em 0 1.4em}
.article h1{font-size:2.2rem}
.article .body{font-size:1.06rem}
.article .body h2{scroll-margin-top:90px}
.article .body a{color:var(--primary);text-underline-offset:2px}
.toc{background:var(--bg-soft);border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin:0 0 26px}
.toc strong{display:block;font-size:.8rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);margin-bottom:8px}
.toc ol{margin:0;padding-left:1.2em}
.toc a{color:var(--primary);text-decoration:none}
.faq{margin-top:34px;border-top:1px solid var(--line);padding-top:24px}
.faq details{border:1px solid var(--line);border-radius:10px;padding:4px 16px;margin-bottom:10px;background:#fff}
.faq summary{font-weight:700;cursor:pointer;padding:12px 0}
.faq details p{margin:.2em 0 14px;color:var(--muted)}
.author-cta{margin:34px 0 8px;background:var(--bg-soft);border:1px solid var(--line);border-left:4px solid var(--accent);border-radius:10px;padding:22px}
.author-cta h3{margin:0 0 6px}
.author-cta p{margin:0 0 12px;color:var(--muted)}
.blog-list .card .tag{font-size:.78rem;font-weight:700;color:var(--accent);text-transform:uppercase;letter-spacing:.05em}
.blog-list a.title{color:var(--ink);text-decoration:none}
.blog-list a.title:hover{color:var(--primary)}

/* footer */
footer.site{background:var(--primary-dark);color:#bcd0e6;margin-top:50px;padding:48px 0 26px;font-size:.94rem}
footer.site a{color:#e8f1fb;text-decoration:none}
footer.site a:hover{text-decoration:underline}
footer.site .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px}
footer.site h4{color:#fff;font-size:.95rem;margin:0 0 12px;text-transform:uppercase;letter-spacing:.05em}
footer.site ul{list-style:none;margin:0;padding:0}
footer.site li{margin:.4em 0}
footer.site .nap{color:#cfe0f0;line-height:1.7}
footer.site .legal{border-top:1px solid rgba(255,255,255,.12);margin-top:32px;padding-top:18px;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;color:#9fb6d0;font-size:.85rem}

/* mobile sticky call */
.callbar{display:none}
@media(max-width:860px){
  nav.main{display:none}
  .m-nav{display:block;position:relative}
  .m-nav summary{list-style:none;cursor:pointer;font-size:1.5rem;line-height:1;padding:5px 12px;border:1px solid var(--line);border-radius:9px;color:var(--primary)}
  .m-nav summary::-webkit-details-marker{display:none}
  .m-menu{position:absolute;right:0;top:48px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);padding:10px;min-width:210px;display:flex;flex-direction:column;gap:2px;z-index:60}
  .m-menu a{padding:11px 12px;border-radius:8px;text-decoration:none;color:var(--ink);font-weight:600}
  .m-menu a:hover{background:var(--bg-soft)}
  .m-menu a.btn{color:#fff;text-align:center;margin-top:6px}
  .hero h1{font-size:2.1rem}
  h1{font-size:2rem}
  .hero-grid{grid-template-columns:1fr;gap:28px}
  .grid.c2,.grid.c3,.grid.c4{grid-template-columns:1fr}
  footer.site .cols{grid-template-columns:1fr}
  .cta-band{flex-direction:column;align-items:flex-start}
  body{padding-bottom:64px}
  .callbar{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:50;background:#fff;border-top:1px solid var(--line);padding:8px 12px;gap:10px;box-shadow:0 -4px 16px rgba(0,0,0,.08)}
  .callbar a{flex:1;text-align:center;padding:12px;border-radius:9px;font-weight:800;text-decoration:none}
  .callbar .call{background:var(--accent);color:#fff}
  .callbar .site2{background:var(--bg-soft);color:var(--primary);border:1px solid var(--line)}
}