:root{--teal:#0b4f4a;--ink:#14211f;--mint:#e3f1ee;--gold:#f2b134;--bg:#fbfcfb;--mut:#4b5d5a;--line:#d5e3e0}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--bg)}
h1,h2,h3,.logo{font-family:Georgia,"Times New Roman",serif;line-height:1.15;margin:0 0 .5em}h1{font-size:clamp(2rem,5vw,3.4rem)}h2{font-size:clamp(1.6rem,3.4vw,2.2rem)}h3{font-size:1.25rem}
a{color:var(--teal)}img,svg{max-width:100%;display:block}
.top{display:flex;align-items:center;gap:24px;padding:14px 5vw;border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:5;flex-wrap:wrap}
.logo{font-size:1.4rem;text-decoration:none;color:var(--teal);letter-spacing:.04em}.logo b{color:var(--gold);-webkit-text-stroke:.5px var(--teal)}
.top nav{display:flex;gap:20px;flex:1}.top nav a{text-decoration:none;color:var(--ink);padding:4px 0;border-bottom:2px solid transparent}.top nav a:hover,.top nav a.on{border-color:var(--gold)}
.hd{display:flex;gap:16px;align-items:center}.ph{text-decoration:none;font-weight:600}
.btn{display:inline-block;background:var(--gold);color:var(--ink);font-weight:700;text-decoration:none;padding:14px 28px;border-radius:8px;border:0;font-size:1rem;cursor:pointer}.btn:hover{background:#e5a21f}.btn.sm{padding:9px 18px}
:focus-visible{outline:3px solid var(--teal);outline-offset:2px}
.hero{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;padding:72px 5vw;background:linear-gradient(120deg,var(--mint),#fff)}
.hero.svc img{border-radius:14px;aspect-ratio:4/3;object-fit:cover;width:100%}.lead{font-size:1.2rem;color:var(--mut);max-width:34em}
.k{font-weight:600;color:var(--teal);margin:0 0 .6em}.stat{margin-top:28px}.stat b{font-family:Georgia,serif;font-size:2rem;color:var(--teal);margin-right:6px}
.box{background:#fff;border:1px solid var(--line);border-left:6px solid var(--gold);border-radius:12px;padding:32px}.box p{color:var(--mut)}
small.blk,.cta small{display:block;margin-top:12px;color:var(--mut)}
.chk{list-style:none;padding:0;margin:24px 0 0}.chk li{padding-left:30px;position:relative;margin:8px 0}.chk li:before{content:"✓";position:absolute;left:0;color:#fff;background:var(--teal);width:21px;height:21px;border-radius:50%;font-size:.8rem;text-align:center;line-height:21px;top:3px}
.chk.two{columns:2;gap:32px}
.sec{padding:72px 5vw;max-width:1200px;margin:0 auto}.sec.narrow{max-width:760px}.sec.tint{max-width:none;background:var(--mint)}.sec.tint>*{max-width:1100px;margin-left:auto;margin-right:auto}.sub{color:var(--mut)}
.steps,.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:24px;margin-top:28px}
.step{background:#fff;border:1px solid var(--line);border-radius:12px;padding:26px}.step span{display:block;font-size:2rem;margin-bottom:6px;color:var(--teal);font-weight:600;font-size:.95rem}
.cards{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}.card{display:block;text-decoration:none;color:inherit;border:1px solid var(--line);border-radius:12px;overflow:hidden;background:#fff}.card:hover{border-color:var(--teal)}
.card img,.card .ico{aspect-ratio:16/10;object-fit:cover;width:100%;background:var(--mint)}.card .ico svg{height:100%;margin:auto}.card>div:last-child{padding:20px}.card p{color:var(--mut);margin:.3em 0 1em}.card b{color:var(--teal)}
.cta{text-align:center;padding:72px 5vw;background:var(--teal);color:#fff}.cta p{color:#cfe6e2;max-width:34em;margin:0 auto 24px}.cta small{color:#cfe6e2}
details{border-bottom:1px solid var(--line);padding:16px 0}summary{cursor:pointer;font-weight:600}details p{color:var(--mut);margin:10px 0 0}
.form{background:#fff;border:1px solid var(--line);border-radius:12px;padding:32px;margin-top:24px}.form label{display:block;font-weight:600;margin:16px 0 0}.form input:not([type=radio]):not([type=checkbox]){display:block;width:100%;margin-top:6px;padding:12px;border:1px solid #9db3af;border-radius:8px;font:inherit}
.row{display:grid;grid-template-columns:1fr 1fr;gap:16px}.opts{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px}.opt{margin:0!important;cursor:pointer}.opt input{position:absolute;opacity:0}.opt span{display:block;text-align:center;border:2px solid var(--line);border-radius:10px;padding:14px 8px;font-weight:600}.opt input:checked+span{border-color:var(--teal);background:var(--mint)}.opt input:focus-visible+span{outline:3px solid var(--teal)}
.form .cb{display:flex;gap:10px;font-weight:400;font-size:.85rem;color:var(--mut)}.form .cb input{margin-top:4px;flex:none}.form .btn{margin-top:24px;width:100%}
.ok{text-align:center;padding:48px 0}.tick{width:64px;height:64px;border-radius:50%;background:var(--teal);color:#fff;font-size:2rem;line-height:64px;margin:0 auto 16px}
.legal{max-width:760px;margin:0 auto;padding:48px 5vw}.legal h2{font-size:1.35rem;margin-top:1.8em}.back{text-decoration:none;display:inline-block;margin-bottom:16px}
footer{background:var(--ink);color:#cbd8d5;padding:56px 5vw 32px;font-size:.95rem}footer a{color:#cbd8d5;display:block;margin:6px 0;text-decoration:none}footer a:hover{color:var(--gold)}footer .logo{color:#fff;display:inline-block}footer h4{color:#fff;margin:0 0 10px}footer span{display:block}
.fg{display:grid;grid-template-columns:2fr 1fr 1fr 1.4fr;gap:32px;max-width:1200px;margin:0 auto}.fine{max-width:1200px;margin:24px auto 0;font-size:.8rem;color:#93a6a2}.fine a{display:inline;text-decoration:underline}
@media(max-width:820px){.hero{grid-template-columns:1fr;padding:48px 5vw}.fg{grid-template-columns:1fr 1fr}.chk.two{columns:1}.top nav{order:3;flex-basis:100%;overflow-x:auto}.row{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}