:root{--navy:#102a43;--blue:#176b87;--aqua:#dff4f3;--coral:#e96955;--cream:#fffaf4;--ink:#263746;--muted:#5c6d7a;--white:#fff;--line:#d9e5e8;--shadow:0 16px 50px rgba(16,42,67,.11);--radius:24px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:var(--white);font:17px/1.65 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}a{color:var(--blue);text-underline-offset:3px}img{max-width:100%;display:block}.wrap{width:min(1160px,calc(100% - 40px));margin:auto}.skip{position:absolute;left:-9999px;top:8px;z-index:20;background:var(--navy);color:#fff;padding:10px}.skip:focus{left:8px}.topbar{background:var(--navy);color:#fff;font-size:.9rem}.topbar .wrap{display:flex;justify-content:space-between;gap:20px;padding:8px 0}.topbar a{color:#fff}.header{position:sticky;top:0;z-index:15;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}.nav{display:flex;align-items:center;min-height:78px;gap:28px}.brand{display:flex;align-items:center;gap:11px;color:var(--navy);text-decoration:none;font-weight:800;line-height:1.08}.mark{width:42px;height:42px;border-radius:50% 50% 50% 14%;display:grid;place-items:center;background:var(--coral);color:#fff;font-size:1.35rem;transform:rotate(-7deg)}.brand small{display:block;color:var(--blue);font-size:.73rem;letter-spacing:.08em;text-transform:uppercase;margin-top:4px}.links{display:flex;align-items:center;gap:24px;margin-left:auto}.links a{text-decoration:none;color:var(--ink);font-weight:650;font-size:.95rem}.button{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--coral);color:#fff!important;text-decoration:none!important;border:0;border-radius:999px;padding:13px 21px;font-weight:800;box-shadow:0 8px 20px rgba(233,105,85,.22);cursor:pointer}.button:hover{filter:brightness(.95)}.button.alt{background:var(--navy)}.menu{display:none;background:none;border:0;font-size:1.6rem;color:var(--navy)}.hero{background:linear-gradient(120deg,var(--cream) 0 53%,var(--aqua) 53%);overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.02fr .98fr;align-items:center;min-height:650px}.hero-copy{padding:82px 50px 82px 0}.eyebrow{display:inline-block;color:var(--blue);font-weight:850;letter-spacing:.09em;text-transform:uppercase;font-size:.78rem;margin-bottom:14px}.hero h1,.page-hero h1{font-family:Georgia,"Times New Roman",serif;color:var(--navy);font-size:clamp(2.55rem,5vw,4.65rem);line-height:1.02;letter-spacing:-.035em;margin:0 0 22px}.hero p{font-size:1.14rem;max-width:620px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0}.trust{display:flex;gap:10px;flex-wrap:wrap;font-size:.86rem;color:var(--navy);font-weight:700}.trust span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 11px}.hero-media{height:100%;min-height:650px}.hero-media img{height:100%;width:100%;object-fit:cover}.section{padding:86px 0}.section.tint{background:var(--cream)}.section.aqua{background:var(--aqua)}.section h2{font-family:Georgia,"Times New Roman",serif;color:var(--navy);font-size:clamp(2rem,4vw,3.2rem);line-height:1.12;letter-spacing:-.025em;margin:0 0 18px}.lede{font-size:1.12rem;max-width:760px;color:var(--muted)}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:34px}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:0 8px 28px rgba(16,42,67,.055)}.card h3{color:var(--navy);font-size:1.25rem;line-height:1.25;margin:10px 0}.card p{color:var(--muted)}.card a{font-weight:800}.icon{display:grid;place-items:center;width:48px;height:48px;border-radius:16px;background:var(--aqua);color:var(--blue);font-size:1.35rem}.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start}.checks{list-style:none;padding:0}.checks li{position:relative;padding:8px 0 8px 34px}.checks li:before{content:"✓";position:absolute;left:0;top:7px;color:var(--coral);font-weight:900}.process{counter-reset:step}.process .card:before{counter-increment:step;content:counter(step);display:grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--navy);color:#fff;font-weight:900}.quote{border-left:5px solid var(--coral);padding:8px 0 8px 22px;font-family:Georgia,serif;font-size:1.35rem;color:var(--navy)}.cta{background:var(--navy);color:#fff;border-radius:34px;padding:50px;display:flex;justify-content:space-between;gap:30px;align-items:center}.cta h2{color:#fff;margin:0;max-width:650px}.cta p{color:#dbe8ef;margin:8px 0 0}.page-hero{padding:90px 0 70px;background:linear-gradient(135deg,var(--cream),var(--aqua))}.page-hero h1{font-size:clamp(2.5rem,5vw,4rem);max-width:850px}.breadcrumbs{font-size:.88rem;margin-bottom:20px}.article{max-width:820px}.article h2{margin-top:48px}.article h3{color:var(--navy);margin-top:30px}.article li{margin-bottom:8px}.notice{background:var(--aqua);border-left:5px solid var(--blue);padding:20px 24px;border-radius:0 18px 18px 0}.faq details{border-top:1px solid var(--line);padding:19px 0}.faq summary{cursor:pointer;color:var(--navy);font-weight:800;font-size:1.08rem}.faq details p{margin-bottom:0}.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:50px}.contact-panel{background:var(--navy);color:#fff;border-radius:var(--radius);padding:34px}.contact-panel h2,.contact-panel a{color:#fff}.form{display:grid;gap:16px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}label{font-weight:750;color:var(--navy)}input,select,textarea{width:100%;margin-top:5px;border:1px solid #bacbd1;border-radius:12px;padding:13px 14px;font:inherit;background:#fff}textarea{min-height:130px;resize:vertical}.fine{font-size:.82rem;color:var(--muted)}.footer{background:#0a2135;color:#d7e3e9;padding:58px 0 24px}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:45px}.footer h3{color:#fff}.footer a{color:#d7e3e9}.footer ul{padding:0;list-style:none}.footer li{margin:8px 0}.copyright{border-top:1px solid #28465d;margin-top:36px;padding-top:20px;font-size:.85rem}.chat{position:fixed;right:20px;bottom:20px;z-index:30}.chat-button{width:64px;height:64px;border:0;border-radius:50%;background:var(--coral);color:#fff;font-size:1.5rem;box-shadow:var(--shadow);cursor:pointer}.chat-panel{display:none;position:absolute;right:0;bottom:76px;width:min(360px,calc(100vw - 30px));background:#fff;border-radius:22px;box-shadow:var(--shadow);overflow:hidden;border:1px solid var(--line)}.chat.open .chat-panel{display:block}.chat-head{background:var(--navy);color:#fff;padding:18px}.chat-body{padding:20px}.chat-options{display:grid;gap:9px}.chat-options a{border:1px solid var(--line);border-radius:12px;padding:11px;text-decoration:none;font-weight:750}.result{display:none;background:#eef9f5;color:#235c49;padding:12px;border-radius:12px}.result.show{display:block}@media(max-width:860px){.topbar .wrap{justify-content:center}.topbar span:last-child{display:none}.menu{display:block;margin-left:auto}.links{display:none;position:absolute;left:0;right:0;top:78px;background:#fff;padding:20px;box-shadow:var(--shadow);flex-direction:column;align-items:flex-start}.links.open{display:flex}.hero{background:var(--cream)}.hero-grid,.split,.contact-grid{grid-template-columns:1fr}.hero-copy{padding:60px 0 40px}.hero-media{min-height:420px}.grid{grid-template-columns:1fr 1fr}.cta{align-items:flex-start;flex-direction:column}.footer-grid{grid-template-columns:1fr 1fr}}@media(max-width:580px){body{font-size:16px}.wrap{width:min(100% - 28px,1160px)}.grid,.form-row,.footer-grid{grid-template-columns:1fr}.section{padding:62px 0}.hero-grid{min-height:auto}.hero-media{min-height:330px}.hero h1{font-size:2.75rem}.cta{padding:32px 26px;border-radius:24px}.topbar{font-size:.8rem}.trust{gap:6px}}