:root{--navy:#0b2a5b;--navy2:#123a7a;--sky:#4fb3e8;--sky2:#d9ecfa;--tint:#eef5fc;--ink:#14213a;--mute:#566884;--line:#d6e2f0;--wa:#1fa855}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);line-height:1.65;background:#fff;-webkit-text-size-adjust:100%}
a{color:var(--navy2)}
img,svg{max-width:100%}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.narrow{max-width:760px}

.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:99}
.nav{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav__in{display:flex;align-items:center;gap:18px;height:62px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-size:1.25rem;font-weight:600;letter-spacing:-.01em}
.brand b{font-weight:800;color:var(--sky)}
.nav__links{margin-left:auto;display:flex;gap:20px;align-items:center}
.nav__links a{text-decoration:none;color:var(--ink);font-size:.93rem}
.nav__links a:hover,.nav__links a[aria-current]{color:var(--navy2);font-weight:600}
.menu{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font:inherit}

.btn{display:inline-block;background:var(--navy);color:#fff;text-decoration:none;border:0;border-radius:10px;padding:13px 24px;font:inherit;font-weight:600;cursor:pointer}
.btn:hover{background:var(--navy2)}
.btn--sm{padding:8px 16px;font-size:.9rem}
.btn--wa{background:var(--wa)}.btn--wa:hover{background:#188a45}
.btn--ghost{background:transparent;color:var(--navy);box-shadow:inset 0 0 0 2px var(--navy)}
.btn--ghost:hover{background:var(--tint)}

.crumbs{font-size:.85rem;color:var(--mute);padding:14px 0 0}
.crumbs a{color:var(--mute)}

.hero{background:linear-gradient(160deg,var(--tint),#fff 70%);padding:64px 0 52px}
.hero__grid{display:grid;grid-template-columns:1.2fr .8fr;gap:32px;align-items:center}
.eyebrow{margin:0 0 12px;text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:700;color:var(--navy2)}
h1{margin:0 0 16px;font-size:clamp(2rem,5.4vw,3.4rem);line-height:1.08;color:var(--navy);letter-spacing:-.02em}
h1 span{color:var(--sky)}
.lede{max-width:560px;font-size:1.12rem;color:var(--mute);margin:0 0 26px}
.cta{display:flex;flex-wrap:wrap;gap:12px}
.hero__art svg{width:100%;height:auto}

.pagehead{background:linear-gradient(160deg,var(--tint),#fff 75%);padding:28px 0 36px;border-bottom:1px solid var(--line)}
.pagehead h1{font-size:clamp(1.7rem,4.2vw,2.6rem);margin-bottom:10px}
.pagehead p{margin:0;color:var(--mute);max-width:640px}

.strip{background:var(--navy);color:#fff}
.strip__in{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(255,255,255,.15)}
.strip__in div{background:var(--navy);padding:20px 18px}
.strip strong{display:block}
.strip span{font-size:.85rem;opacity:.8}

.sec{padding:60px 0}
.sec--tint{background:var(--tint)}
h2{margin:36px 0 10px;font-size:clamp(1.4rem,3vw,1.9rem);color:var(--navy);letter-spacing:-.01em;line-height:1.2}
.sec>.wrap>h2:first-child,.sec .wrap>h2.first{margin-top:0}
h3{margin:24px 0 8px;color:var(--navy);font-size:1.08rem}
.sub{margin:0 0 8px;color:var(--mute)}
.note{color:var(--mute);font-size:.88rem;margin-top:12px}

.grid{display:grid;gap:18px;margin-top:22px}
.grid--3{grid-template-columns:repeat(3,1fr)}
.grid--4{grid-template-columns:repeat(4,1fr)}
.grid--2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px;text-decoration:none;color:inherit;display:block;transition:box-shadow .15s,transform .15s}
a.card:hover{box-shadow:0 8px 24px rgba(11,42,91,.1);transform:translateY(-2px)}
.card h3{margin:12px 0 6px}
.card p{margin:0;color:var(--mute);font-size:.93rem}
.card .more{display:inline-block;margin-top:10px;color:var(--navy2);font-weight:600;font-size:.9rem}
.ico{width:52px;height:52px;border-radius:14px;background:var(--sky2);display:grid;place-items:center}
.ico svg{width:30px;height:30px;stroke:var(--navy);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.tag{display:inline-block;background:var(--sky2);color:var(--navy);font-size:.75rem;font-weight:700;padding:3px 10px;border-radius:999px}

.tablewrap{border:1px solid var(--line);border-radius:12px;overflow:hidden;background:#fff;margin:14px 0}
table{width:100%;border-collapse:collapse}
th{background:var(--navy);color:#fff;text-align:left;padding:11px 16px;font-size:.9rem}
td{padding:11px 16px;border-top:1px solid var(--line);font-size:.95rem}
tbody tr:nth-child(even){background:#f7fafd}
th.r,td.r{text-align:right;font-variant-numeric:tabular-nums}
.two{display:grid;grid-template-columns:1fr 1fr;gap:32px}

.prose{max-width:740px}
.prose p,.prose li{font-size:1.04rem}
.prose ul,.prose ol{padding-left:22px}
.prose li{margin:6px 0}
.meta{color:var(--mute);font-size:.88rem;margin:6px 0 0}
.callout{background:var(--tint);border-left:4px solid var(--sky);padding:16px 20px;border-radius:0 12px 12px 0;margin:22px 0}
.callout p{margin:0}

details.faq{border:1px solid var(--line);border-radius:12px;padding:0 18px;margin:10px 0;background:#fff}
details.faq summary{cursor:pointer;font-weight:600;padding:15px 0;color:var(--navy);list-style:none}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";float:right;font-size:1.3rem;line-height:1}
details.faq[open] summary::after{content:"\2212"}
details.faq p{margin:0 0 16px;color:var(--ink)}

.calc{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px;margin:18px 0}
.calc__row{display:grid;grid-template-columns:1fr 90px 90px;gap:10px;align-items:center;padding:8px 0;border-top:1px solid var(--line);font-size:.95rem}
.calc__row:first-of-type{border-top:0}
.calc__row input{width:100%;padding:8px;border:1px solid var(--line);border-radius:8px;font:inherit;text-align:center}
.calc__row .p{text-align:right;color:var(--mute);font-variant-numeric:tabular-nums}
.calc__head{display:grid;grid-template-columns:1fr 90px 90px;gap:10px;font-size:.8rem;text-transform:uppercase;letter-spacing:.06em;color:var(--mute);padding-bottom:6px}
.calc__total{display:flex;justify-content:space-between;align-items:center;margin-top:14px;padding-top:14px;border-top:2px solid var(--navy);font-weight:700;font-size:1.15rem;color:var(--navy);flex-wrap:wrap;gap:10px}
.calc select{padding:8px;border:1px solid var(--line);border-radius:8px;font:inherit}

.symgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:14px;margin:18px 0}
.sym{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px;text-align:center}
.sym svg{width:56px;height:56px;stroke:var(--navy);fill:none;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.sym .x{stroke:#c62828}
.sym strong{display:block;margin-top:8px;color:var(--navy);font-size:.95rem}
.sym span{display:block;font-size:.85rem;color:var(--mute);margin-top:2px}

.form{display:grid;gap:16px;margin-top:20px}
label{display:grid;gap:6px;font-weight:600;font-size:.92rem}
label small{font-weight:400;color:var(--mute)}
input,select,textarea{font:inherit;padding:12px 14px;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:2px solid var(--sky);border-color:transparent}
address{font-style:normal;margin:10px 0 16px}

.ctaband{background:var(--navy);color:#fff;padding:44px 0;text-align:center}
.ctaband h2{color:#fff;margin:0 0 8px}
.ctaband p{margin:0 0 20px;opacity:.85}
.ctaband .btn{background:#fff;color:var(--navy)}
.ctaband .btn--wa{background:var(--wa);color:#fff}

.foot{background:#08204a;color:#cfdcf1;padding:44px 0 26px;font-size:.92rem}
.foot a{color:#cfdcf1;text-decoration:none}.foot a:hover{color:#fff;text-decoration:underline}
.foot__grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px}
.foot h4{color:#fff;margin:0 0 10px;font-size:.95rem}
.foot ul{list-style:none;margin:0;padding:0}.foot li{margin:6px 0}
.foot__base{border-top:1px solid rgba(255,255,255,.15);margin-top:28px;padding-top:16px;font-size:.82rem;opacity:.8}

.fab{position:fixed;right:16px;bottom:16px;background:var(--wa);color:#fff;text-decoration:none;font-weight:700;padding:12px 18px;border-radius:999px;box-shadow:0 6px 18px rgba(0,0,0,.2);z-index:30}

@media(max-width:860px){
  .hero__grid,.two,.grid--2{grid-template-columns:1fr}
  .grid--3,.grid--4,.strip__in{grid-template-columns:1fr 1fr}
  .foot__grid{grid-template-columns:1fr 1fr}
  .menu{display:block}
  .nav__links{display:none;position:absolute;left:0;right:0;top:62px;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start;padding:14px 20px;gap:14px}
  .nav__links.open{display:flex}
  .hero__art{display:none}
}
@media(max-width:520px){.grid--3,.grid--4,.foot__grid{grid-template-columns:1fr}.hero{padding:44px 0 36px}.calc__row,.calc__head{grid-template-columns:1fr 70px 70px}}