:root { --ink:#16202e; --muted:#4b5a6d; --line:#c9d2de; --navy:#13315C; --navy-dark:#0e2547; --bg:#ffffff; --tint:#f4f7fb; --warn-bg:#fff6e5; --warn-line:#f0d999; --warn-ink:#7a4300; }
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; font: 17px/1.6 system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif; color: var(--ink); background: var(--bg); }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy); text-underline-offset: 2px; }
a:hover { color: var(--navy-dark); }
:focus-visible { outline: 3px solid #1d4ed8; outline-offset: 2px; border-radius: 2px; }
.skip { position: absolute; left: -999px; top: 0; background: var(--navy); color: #fff; padding: .6rem 1rem; z-index: 10; }
.skip:focus { left: 0; }
.wrap { width: min(980px, 100% - 2.5rem); margin: 0 auto; }
.narrow { width: min(720px, 100% - 2.5rem); margin: 0 auto; }
header.site { border-bottom: 1px solid var(--line); background: #fff; }
.bar { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: .75rem 0; flex-wrap: wrap; }
.brand { display: flex; align-items: center; gap: .6rem; font-weight: 700; font-size: 1.15rem; color: var(--navy); text-decoration: none; }
nav { display: flex; align-items: center; gap: 1.25rem; flex-wrap: wrap; }
nav a { text-decoration: none; color: var(--ink); }
nav a:hover { text-decoration: underline; }
.btn { display: inline-block; background: var(--navy); color: #fff; text-decoration: none; padding: .75rem 1.25rem; border-radius: 6px; font-weight: 600; border: 2px solid var(--navy); }
.btn:hover { background: var(--navy-dark); color: #fff; border-color: var(--navy-dark); }
.btn.small { padding: .4rem .9rem; font-size: .95rem; }
.btn.ghost { background: #fff; color: var(--navy); }
.btn.ghost:hover { background: var(--tint); color: var(--navy-dark); }
main section { padding: 3rem 0; }
.tint { background: var(--tint); }
h1 { font-size: clamp(1.9rem, 4.2vw, 2.7rem); line-height: 1.2; margin: 0 0 1rem; color: var(--navy); }
h2 { font-size: 1.55rem; line-height: 1.25; margin: 0 0 1rem; color: var(--navy); }
h3 { font-size: 1.1rem; margin: 0 0 .4rem; color: var(--ink); }
.lead { font-size: 1.25rem; color: var(--ink); max-width: 46rem; }
.lead.small { font-size: 1.1rem; }
.muted, .note { color: var(--muted); font-size: .95rem; }
.cta { display: flex; gap: .75rem; flex-wrap: wrap; margin: 1.5rem 0 2rem; }
.hero { padding-bottom: 2rem; }
.shot { border: 1px solid var(--line); border-radius: 8px; box-shadow: 0 8px 30px rgba(15,27,45,.12); }
.shot.small { max-width: 300px; margin: 0 auto; }
.grid3 { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 1.25rem; }
.card { border: 1px solid var(--line); border-radius: 8px; padding: 1.25rem; background: #fff; }
.card p { margin: 0; color: var(--muted); }
.card.price p { color: var(--ink); }
.card.price { margin-bottom: 2rem; }
.amount { font-size: 1.4rem; margin: 0 0 1rem; }
.two { display: grid; grid-template-columns: 1.4fr 1fr; gap: 2.5rem; align-items: center; }
@media (max-width: 760px) { .two { grid-template-columns: 1fr; } }
.ticks { padding-left: 0; list-style: none; margin: 0 0 1rem; }
.ticks li { padding-left: 1.6rem; position: relative; margin: .5rem 0; }
.ticks li::before { content: ""; position: absolute; left: .15rem; top: .5em; width: .45rem; height: .8rem; border: solid var(--navy); border-width: 0 2px 2px 0; transform: rotate(40deg); }
.steps { padding-left: 1.3rem; }
.steps li { margin: .9rem 0; padding-left: .3rem; }
details { border-bottom: 1px solid var(--line); padding: .8rem 0; }
summary { cursor: pointer; font-weight: 600; }
details p { margin: .6rem 0 0; color: var(--muted); }
.draft-banner { margin: 0; padding: .7rem 1.25rem; background: var(--warn-bg); border-bottom: 1px solid var(--warn-line); color: var(--warn-ink); text-align: center; font-size: .95rem; }
footer.site { border-top: 1px solid var(--line); background: var(--tint); padding: 2rem 0; font-size: .95rem; color: var(--muted); }
footer.site p { margin: .4rem 0; }
footer.site a { margin-right: 1rem; }

.prose h2 { margin-top: 2rem; font-size: 1.25rem; }
.prose p, .prose li { max-width: 46rem; }
.prose ul, .prose ol { padding-left: 1.4rem; }
.prose li { margin: .4rem 0; }
.toc { padding-left: 1.4rem; columns: 2; column-gap: 2rem; }
.toc li { margin: .25rem 0; break-inside: avoid; }
.toc.plain { columns: 1; list-style: none; padding-left: 0; }
.toc.plain li { margin: .9rem 0; }
.crumb { font-size: .95rem; color: var(--muted); margin: 0 0 .5rem; }
@media (max-width: 640px) { .toc { columns: 1; } }

.hero-img { width: 100%; height: auto; margin: .5rem 0 0; }

.grid2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.25rem; margin-bottom: 1.25rem; }
@media (max-width: 640px) { .grid2 { grid-template-columns: 1fr; } }
.card h3 { margin: 0 0 .4rem; font-size: 1.1rem; color: var(--navy); }
.trust { list-style: none; padding: 0; margin: 1.25rem 0 .5rem; display: flex; flex-wrap: wrap; gap: .4rem 1.6rem; }
.trust li { position: relative; padding-left: 1.4rem; font-weight: 600; color: var(--navy); }
.trust li::before { content: ""; position: absolute; left: .1rem; top: .35em; width: .4rem; height: .75rem; border: solid #1a8f84; border-width: 0 2px 2px 0; transform: rotate(40deg); }
.prose p, .prose li { overflow-wrap: anywhere; }