*{box-sizing:border-box;margin:0;padding:0}
:root{--navy:#0B2545;--red:#C1272D;--red-d:#9e1f24;--grey:#f4f6f8;--ink:#1c2733;--mut:#5a6b7a;--line:#dbe3ea}
body{font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);line-height:1.65;font-size:17px;background:#fff}
a{color:var(--navy);text-decoration:underline}
a:hover{color:var(--red)}
img{max-width:100%;height:auto;display:block}
.topbar{background:var(--red);color:#fff;text-align:center;padding:.45rem .8rem;font-weight:700;font-size:1rem}
.topbar a{color:#fff;text-decoration:none}
header.site{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50}
.header-in{max-width:1140px;margin:0 auto;display:flex;align-items:center;gap:1rem;padding:.6rem 1rem;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:.6rem;color:#fff;text-decoration:none;font-weight:800;font-size:1.25rem;line-height:1.1}
.brand img{width:44px;height:44px}
.brand small{display:block;font-size:.72rem;font-weight:600;color:#bcd0e4;letter-spacing:.04em}
nav.main{margin-left:auto}
nav.main ul{list-style:none;display:flex;gap:.2rem;flex-wrap:wrap}
nav.main a{color:#fff;text-decoration:none;padding:.5rem .65rem;border-radius:6px;font-weight:600;font-size:.95rem}
nav.main a:hover,nav.main a[aria-current="page"]{background:rgba(255,255,255,.14)}
.nav-call{background:var(--red)!important}
.nav-call:hover{background:var(--red-d)!important}
main{max-width:1140px;margin:0 auto;padding:1.2rem 1rem 3rem}
.breadcrumb{font-size:.9rem;color:var(--mut);margin-bottom:.6rem}
.breadcrumb a{color:var(--mut)}
.hero{background:var(--grey);border:1px solid var(--line);border-radius:12px;padding:1.4rem;margin-bottom:1.4rem}
.hero h1{font-size:2rem;line-height:1.2;color:var(--navy);margin-bottom:.5rem}
h1{font-size:1.9rem;line-height:1.25;color:var(--navy);margin:.4rem 0 .8rem}
h2{font-size:1.45rem;color:var(--navy);margin:1.8rem 0 .5rem;line-height:1.3}
h3{font-size:1.15rem;color:var(--navy);margin:1.2rem 0 .35rem}
p{margin-bottom:.8rem}
ul,ol{margin:0 0 .9rem 1.3rem}
li{margin-bottom:.3rem}
.lede{font-size:1.12rem}
.cta-box{background:var(--navy);color:#fff;border-radius:12px;padding:1.4rem;text-align:center;margin:1.6rem 0}
.cta-box h2{color:#fff;margin-top:0}
.cta-box p{color:#d7e2ee}
.btn{display:inline-block;background:var(--red);color:#fff;text-decoration:none;font-weight:800;padding:.85rem 1.6rem;border-radius:8px;font-size:1.1rem;margin:.3rem}
.btn:hover{background:var(--red-d);color:#fff}
.btn-navy{background:var(--navy)}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:1rem;margin:1rem 0}
.card{border:1px solid var(--line);border-radius:10px;padding:1rem;background:#fff}
.card h3{margin-top:0}
.card h3 a{text-decoration:none}
table{width:100%;border-collapse:collapse;margin:1rem 0;font-size:.95rem}
th,td{border:1px solid var(--line);padding:.55rem .7rem;text-align:left}
th{background:var(--navy);color:#fff}
figure{margin:1rem 0}
figure img{border-radius:10px;width:100%}
figcaption{font-size:.88rem;color:var(--mut);margin-top:.35rem}
.faq details{border:1px solid var(--line);border-radius:8px;padding:.8rem 1rem;margin-bottom:.6rem;background:#fff}
.faq summary{font-weight:700;color:var(--navy);cursor:pointer}
.notice{background:#fff8e6;border:1px solid #e8c96a;border-radius:8px;padding:.9rem 1rem;margin:1rem 0}
.how-it-works{background:var(--grey);border-left:4px solid var(--navy);border-radius:0 8px 8px 0;padding:1rem 1.2rem;margin:1.4rem 0}
footer.site{background:var(--navy);color:#d7e2ee;margin-top:2rem}
.foot-in{max-width:1140px;margin:0 auto;padding:2rem 1rem;display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:1.5rem}
footer.site h3{color:#fff;margin-bottom:.5rem}
footer.site a{color:#fff}
footer.site address{font-style:normal;line-height:1.7}
.foot-base{border-top:1px solid rgba(255,255,255,.2);padding:1rem;text-align:center;font-size:.9rem}
.sticky-call{display:none}
form.contact label{display:block;font-weight:700;margin:.7rem 0 .2rem}
form.contact input,form.contact textarea,form.contact select{width:100%;padding:.6rem;border:1px solid var(--line);border-radius:6px;font:inherit}
form.contact button{background:var(--red);color:#fff;border:0;padding:.8rem 1.6rem;border-radius:8px;font-weight:800;font-size:1.05rem;cursor:pointer}
@media(max-width:760px){
 .hero h1,h1{font-size:1.6rem}
 nav.main{margin-left:0;width:100%}
 nav.main ul{gap:0}
 nav.main a{padding:.45rem .5rem;font-size:.9rem}
 .sticky-call{display:flex;position:fixed;left:0;right:0;bottom:0;background:var(--red);z-index:60;justify-content:center}
 .sticky-call a{color:#fff;text-decoration:none;font-weight:800;padding:.9rem;font-size:1.1rem}
 body{padding-bottom:52px}
}

.byline{color:#5a6b7c;font-size:.95rem;margin:.25rem 0 1rem}