:root{
  --navy:#0F2747;
  --green:#4CA52B;
  --green-btn:#2E7D1A;
  --green-btn-hover:#256614;
  --text:#111111;
  --text-body:#3A3F47;
  --bg:#FFFFFF;
  --bg-soft:#F3F5F8;
  --bg-tint:#E9F0F8;
  --accent:#E8613C;
  --border:#DDE2E8;
  --radius:10px;
  --font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --header-h:64px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:calc(var(--header-h) + 12px)}
body{margin:0;font-family:var(--font);font-size:18px;line-height:1.65;color:var(--text-body);background:var(--bg);-webkit-text-size-adjust:100%}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy)}
h1,h2,h3{color:var(--text);line-height:1.2;margin:0 0 .6em}
h1{font-size:clamp(1.9rem,4.5vw,3rem);font-weight:400}
h1 strong{font-weight:800}
h2{font-size:clamp(1.5rem,3.2vw,2.1rem);font-weight:800}
h3{font-size:1.1rem;font-weight:700;margin:0}
p{margin:0 0 1.1em}
.wrap{width:100%;max-width:1160px;margin:0 auto;padding:0 20px}
.narrow{max-width:860px}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:8px 14px;z-index:100}
.skip:focus{left:8px;top:8px}

/* buttons */
.btn{display:inline-block;background:var(--green-btn);color:#fff;text-decoration:none;text-align:center;
  padding:14px 32px;border-radius:6px;border-bottom:4px solid var(--green-btn-hover);line-height:1.2;font-size:1.15rem;transition:background .15s}
.btn strong{display:block;font-size:1.4rem;font-weight:800}
.btn:hover,.btn:focus-visible{background:var(--green-btn-hover)}
.btn-sm{padding:10px 20px;font-size:1rem;border-bottom-width:3px}
.btn-sm strong{display:inline;font-size:1rem}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:var(--navy);height:var(--header-h)}
.header-in{display:flex;align-items:center;gap:20px;height:100%}
.logo{color:#fff;font-weight:800;letter-spacing:.08em;text-decoration:none;font-size:1.35rem;margin-right:auto}
.nav ul{display:flex;gap:18px;list-style:none;margin:0;padding:0}
.nav a{color:#fff;text-decoration:none;font-size:.95rem;padding:6px 0;border-bottom:2px solid transparent}
.nav a:hover{border-color:var(--green)}
.menu-btn{display:none;background:none;border:0;width:44px;height:44px;padding:10px;cursor:pointer}
.menu-btn span{display:block;height:3px;background:#fff;margin:5px 0;border-radius:2px}

/* hero */
.hero{background:linear-gradient(180deg,var(--bg-soft),var(--bg-tint));padding:40px 0 48px}
.hero-in{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:40px;align-items:center}
.hero-img img{margin:0 auto;width:100%;max-width:380px}
.bar{width:100px;height:5px;background:var(--navy);border:0;margin:0 0 1.4em}

/* sections */
.sec{padding:56px 0}
.sec-soft{background:var(--bg-soft)}
.sec-tint{background:var(--bg-tint)}
.cta-row{margin-top:1.6em}

/* table */
.table-wrap{overflow-x:auto;margin:0 0 1.4em;border:1px solid var(--border);border-radius:var(--radius);background:#fff}
table{width:100%;border-collapse:collapse;font-size:1rem}
th,td{padding:12px 16px;text-align:left;border-bottom:1px solid var(--border);vertical-align:top}
thead th{background:var(--navy);color:#fff}
tbody th{color:var(--text);font-weight:700;width:38%}
tbody tr:last-child th,tbody tr:last-child td{border-bottom:0}

/* check list */
.checks{list-style:none;padding:0;margin:0 0 1.2em}
.checks li{position:relative;padding:6px 0 6px 44px}
.checks li::before{content:"";position:absolute;left:0;top:7px;width:30px;height:30px;border-radius:50%;
  background:var(--green) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5' fill='none' stroke='%23fff' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/70% no-repeat}

/* warning box */
.warn{background:#fff;border:1px solid var(--border);border-left:6px solid var(--accent);border-radius:var(--radius);padding:24px 24px 8px}
.warn ul{padding-left:1.2em;margin:0 0 1.1em}
.warn li{margin-bottom:.5em}

/* FAQ */
.faq details{border:1px solid var(--border);border-radius:var(--radius);margin-bottom:12px;background:#fff}
.faq summary{cursor:pointer;list-style:none;padding:16px 52px 16px 20px;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:1.6rem;color:var(--navy);line-height:1}
.faq details[open] summary::after{content:"\2212"}
.faq details[open] summary{border-bottom:1px solid var(--border)}
.faq details p{padding:16px 20px 0;margin:0 0 1.1em}

/* footer */
.site-footer{background:var(--navy);color:#fff;padding:40px 0;text-align:center}
.site-footer p{margin:0 0 1em}
.foot-brand{font-weight:800;letter-spacing:.08em;font-size:1.3rem}
.copy{font-size:.9rem;opacity:.85}

/* sticky mobile CTA */
.sticky-cta{display:none}

@media (max-width:960px){
  body{font-size:17px}
  .menu-btn{display:block}
  .nav{display:none;position:absolute;top:var(--header-h);left:0;right:0;background:var(--navy);border-top:1px solid rgba(255,255,255,.15);padding:8px 20px 16px}
  .nav.open{display:block}
  .nav ul{flex-direction:column;gap:0}
  .nav a{display:block;padding:12px 0;font-size:1.05rem}
  .header-in .btn-sm{display:none}
  .hero-in{grid-template-columns:1fr;gap:24px}
  .hero-img img{max-width:260px}
  .sec{padding:40px 0}
}
@media (max-width:720px){
  body{padding-bottom:84px}
  .sticky-cta{display:block;position:fixed;left:0;right:0;bottom:0;z-index:60;background:rgba(255,255,255,.96);padding:10px 16px;box-shadow:0 -2px 10px rgba(0,0,0,.12)}
  .sticky-cta .btn{display:block;padding:10px 16px}
  .sticky-cta .btn strong{font-size:1.2rem}
  .btn{width:100%}
  th,td{padding:10px 12px}
  tbody th{width:42%}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}