:root{
  --ink:#16202a; --ink-2:#44515e; --line:#d9dee3; --bg:#f5f6f4; --card:#ffffff;
  --navy:#14304a; --navy-2:#1d4466; --safety:#e8a33d; --safety-ink:#1b1408;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
a{color:var(--navy-2)}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
h1,h2,h3{line-height:1.2;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(1.9rem,4.6vw,2.9rem)}
h2{font-size:clamp(1.4rem,3vw,1.85rem);margin-top:1.6em}
h3{font-size:1.12rem;margin-top:1.2em}
p{margin:0 0 1em}

.top{background:var(--navy);color:#fff;position:sticky;top:0;z-index:10}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:12px;padding-bottom:12px}
.brand{color:#fff;text-decoration:none;font-weight:700;font-size:1.05rem;letter-spacing:.02em}
.brand span{color:var(--safety)}
.call{background:var(--safety);color:var(--safety-ink);text-decoration:none;font-weight:700;padding:10px 16px;border-radius:6px;white-space:nowrap;display:inline-block}
.call:hover{filter:brightness(1.05)}
.ghost{border:2px solid rgba(255,255,255,.6);color:#fff;text-decoration:none;font-weight:700;padding:8px 16px;border-radius:6px;display:inline-block}

.page-hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:36px 0 44px}
.crumbs{font-size:.88rem;color:#b9c7d4;margin-bottom:14px}
.crumbs a{color:#dbe4ec}
.crumbs span{margin:0 6px}
.page-hero .lead{font-size:1.12rem;color:#dbe4ec;max-width:40em}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:18px}

.layout{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:44px;padding-top:40px;padding-bottom:56px;align-items:start}
.content h2:first-child{margin-top:0}
.content ul{padding-left:1.2em;margin:0 0 1em}
.content li{margin-bottom:.5em}
.callout{background:var(--card);border-left:4px solid var(--safety);padding:16px 20px;border-radius:0 8px 8px 0;margin:1.2em 0}
.callout p:last-child{margin:0}
.side{position:sticky;top:84px}

.form-card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:24px;box-shadow:0 10px 30px rgba(20,48,74,.10);position:relative}
.form-card h2{font-size:1.3rem;margin-top:0}
.form-card p{color:var(--ink-2);font-size:.95rem}
label{display:block;font-weight:600;font-size:.9rem;margin:12px 0 4px}
.opt{font-weight:400;color:var(--ink-2)}
input,textarea{width:100%;padding:12px;border:1px solid var(--line);border-radius:6px;font:inherit;font-size:1rem;background:#fff}
textarea{min-height:90px;resize:vertical}
button{margin-top:16px;width:100%;background:var(--safety);color:var(--safety-ink);border:0;border-radius:6px;padding:14px;font:inherit;font-weight:700;font-size:1.05rem;cursor:pointer}
.form-note{font-size:.82rem;color:var(--ink-2);margin-top:10px;text-align:center}
.or-call{text-align:center;margin-top:14px;padding-top:14px;border-top:1px solid var(--line);font-weight:600}
.trap{position:absolute;left:-9999px}

details{background:var(--card);border:1px solid var(--line);border-radius:8px;padding:16px 20px;margin-bottom:10px}
summary{font-weight:700;cursor:pointer}
details p{margin:12px 0 0;color:var(--ink-2)}

section{padding:56px 0}
.band{background:var(--card);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.band h2{margin-top:0}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{background:var(--bg);border:1px solid var(--line);border-radius:10px;padding:20px;text-decoration:none;color:inherit;display:block}
.card h3{margin-top:0;color:var(--navy)}
.card p{color:var(--ink-2);font-size:.95rem;margin:0}
.card:hover{border-color:var(--navy-2)}

.cta{background:var(--navy);color:#fff;text-align:center}
.cta h2{margin-top:0}
.cta p{color:#dbe4ec}
.cta .call{font-size:1.15rem;padding:14px 26px;margin-top:6px}

footer{background:#0e2133;color:#a9b8c6;padding:36px 0 20px;font-size:.92rem}
footer a{color:#fff}
footer strong{color:#fff;display:block;margin-bottom:8px}
.foot{display:grid;grid-template-columns:1fr 1.5fr .9fr 1.1fr;gap:28px}
.foot ul{list-style:none;padding:0;margin:0;columns:2;column-gap:24px}
.foot div:nth-child(n+3) ul{columns:1}
.foot li{margin-bottom:6px}
.foot a{text-decoration:none}
.legal{border-top:1px solid #23394d;margin-top:24px;padding-top:16px;font-size:.85rem}

@media (max-width:1000px){.foot{grid-template-columns:1fr 1fr}}
@media (max-width:900px){
  .layout{grid-template-columns:1fr}
  .side{position:static}
  .grid{grid-template-columns:1fr 1fr}
  .foot{grid-template-columns:1fr}
}
@media (max-width:560px){
  body{font-size:16px}
  .grid{grid-template-columns:1fr}
  .brand{font-size:.9rem}
  .top .call{padding:9px 12px;font-size:.9rem}
  .foot ul{columns:1}
  section{padding:44px 0}
}