:root{--navy:#1F3A5F;--orange:#F28C28;--gray:#F4F6F8;--text:#222;--muted:#5a6470}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:80px}
body{margin:0;font:16px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--text);background:#fff}
a{color:var(--navy)}h1,h2,h3{color:var(--navy);line-height:1.2}h1{font-size:1.9rem;margin:.3em 0}h2{font-size:1.4rem;margin:1.4em 0 .5em}h3{font-size:1.05rem;margin:.4em 0}
.wrap{max-width:1100px;margin:0 auto;padding:0 1rem}.narrow{max-width:760px}
.skip{position:absolute;left:-999px}.skip:focus{left:1rem;top:1rem;background:#fff;padding:.5rem;z-index:99}
header.site{position:sticky;top:0;z-index:10;background:#fff;border-bottom:1px solid #e3e7ec}
.hdr{display:flex;align-items:center;justify-content:space-between;gap:.5rem;min-height:60px}
.logo{display:flex;align-items:center;gap:.4rem;font-weight:700;text-decoration:none;color:var(--navy)}.logo .ic{color:var(--orange)}
.hdr-act{display:flex;align-items:center;gap:.6rem}.call{display:flex;align-items:center;gap:.3rem;font-weight:600;text-decoration:none}
.call span{display:none}.ic{flex:none;vertical-align:middle}
.btn{display:inline-block;background:var(--orange);color:#fff;font-weight:700;padding:.8rem 1.2rem;border-radius:8px;text-decoration:none;margin:.2rem 0}
.btn:hover,.btn:focus{background:#d9761a}.btn.alt{background:#fff;color:var(--navy);border:2px solid var(--navy)}.btn.sm{padding:.5rem .8rem;font-size:.9rem}
.hero{background:var(--gray);padding:1.5rem 0 1rem}.hero-sub{background:var(--gray);padding-bottom:2rem}
.eyebrow{color:var(--muted);font-weight:600;font-size:.85rem;text-transform:uppercase;letter-spacing:.04em;margin:0}
.lead{font-size:1.1rem}.small{font-size:.82rem;color:var(--muted)}
.safety{background:#fff4e8;border-left:4px solid var(--orange);padding:.6rem .8rem;border-radius:4px}
.notice{background:#eef2f7;border-left:4px solid var(--navy);padding:.7rem .9rem;border-radius:4px;font-size:.92rem}
.sec{padding:1.5rem 0}.band{background:var(--gray);padding:1.5rem 0}
.trust{display:grid;gap:1rem}.trust div{display:flex;gap:.6rem;align-items:flex-start}.trust .ic{color:var(--orange);margin-top:.2rem}.trust p{margin:0}
.grid{display:grid;gap:1rem}.card{display:block;border:1px solid #e3e7ec;border-radius:10px;padding:1rem;text-decoration:none;color:var(--text);background:#fff}
.card:hover,.card:focus{border-color:var(--orange)}.card .ic{color:var(--orange)}.card p{margin:.2rem 0 0;color:var(--muted)}
.steps{padding-left:1.2rem}.steps li{margin:.5rem 0}.two{display:grid;gap:1rem}
.list{list-style:none;padding:0}.list li{display:flex;gap:.5rem;margin:.4rem 0}.list .ic{color:var(--orange);width:20px;height:20px;margin-top:.15rem}
.chips{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:.5rem}.chips a{display:flex;align-items:center;gap:.3rem;background:#fff;border:1px solid #d5dbe2;border-radius:99px;padding:.35rem .8rem;text-decoration:none}
.chips .ic{width:16px;height:16px;color:var(--orange)}
details{background:#fff;border:1px solid #e3e7ec;border-radius:8px;padding:.7rem 1rem;margin:.5rem 0}summary{font-weight:600;cursor:pointer;color:var(--navy)}details p{margin:.5rem 0 0}
.crumbs{font-size:.85rem;padding-top:.6rem;color:var(--muted)}
.related ul{columns:2;padding-left:1.1rem;font-size:.95rem}.related{padding-bottom:1.5rem}
.form-band{border-top:4px solid var(--orange)}.form-slot{background:#fff;border:1px dashed #c7ced6;border-radius:10px;padding:1rem;min-height:120px}
.legal h2{font-size:1.15rem}
footer.site{background:var(--navy);color:#dfe6ee;padding:1.5rem 0;font-size:.9rem}footer.site a{color:#fff}footer.site .small{color:#b9c4d0}
:focus-visible{outline:3px solid var(--orange);outline-offset:2px}
@media(min-width:700px){h1{font-size:2.5rem}.call span{display:inline}.trust{grid-template-columns:repeat(4,1fr)}.grid{grid-template-columns:repeat(2,1fr)}.two{grid-template-columns:1fr 1fr}.hero{padding:3rem 0 1rem}.related ul{columns:3}}
@media(min-width:1000px){.grid{grid-template-columns:repeat(3,1fr)}}