:root{
  --navy:#0b3a5b;--navy-2:#11507c;--sea:#7cc6e8;--sand:#f6f1ea;--sand-2:#ede4d8;
  --terra:#b5502c;--terra-2:#963f20;--ink:#1d2731;--muted:#5b6672;--line:#e3dccf;--white:#fff;
  --radius:14px;--shadow:0 6px 24px rgba(11,58,91,.10);
  --font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.65 var(--font);color:var(--ink);background:var(--white)}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy-2)}
a:hover{color:var(--terra)}
.wrap{max-width:1200px;margin:0 auto;padding:0 16px}
.sr,.skip{position:absolute;left:-9999px}
.skip:focus{left:16px;top:8px;background:#fff;padding:8px 12px;z-index:100}
:focus-visible{outline:3px solid var(--terra);outline-offset:2px}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:68px;gap:16px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-size:1.25rem;line-height:1.1}
.logo small{display:block;font-size:.68rem;color:var(--muted);font-weight:500;letter-spacing:.01em}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:10px;font-size:1.3rem;padding:6px 12px;cursor:pointer}
.nav{display:flex;align-items:center;gap:18px}
.nav>ul{display:flex;gap:4px;list-style:none;margin:0;padding:0}
.nav a{text-decoration:none;color:var(--ink);font-weight:550;font-size:.95rem}
.nav>ul>li>a{padding:10px 10px;border-radius:8px;display:block}
.nav>ul>li>a:hover,.nav a[aria-current="page"]{color:var(--terra)}
.has-sub{position:relative}
.sub{display:none;position:absolute;top:100%;left:0;min-width:270px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);list-style:none;padding:8px;margin:0}
.sub a{display:block;padding:8px 12px;border-radius:8px;font-weight:500}
.sub a:hover{background:var(--sand)}
.has-sub:hover .sub,.has-sub:focus-within .sub{display:block}
.langs{display:flex;gap:2px;font-size:.85rem}
.langs a{padding:4px 7px;border-radius:6px;color:var(--muted)}
.langs a[aria-current]{background:var(--navy);color:#fff}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:6px;background:var(--terra);color:#fff;text-decoration:none;font-weight:650;padding:13px 22px;border-radius:999px;border:2px solid var(--terra);cursor:pointer;font-size:1rem;transition:background .15s}
.btn:hover{background:var(--terra-2);border-color:var(--terra-2);color:#fff}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-ghost:hover{background:var(--navy);border-color:var(--navy)}
.btn-sm{padding:8px 14px;font-size:.9rem;background:var(--navy);border-color:var(--navy)}
.nav .btn,.nav .btn:hover{color:#fff}
.btn-block{display:flex;width:100%;margin-top:10px}

/* hero */
.hero{background:linear-gradient(180deg,var(--sand) 0%,#fff 100%);padding:28px 0 36px}
.hero-inner{display:grid;grid-template-columns:1.05fr 1fr;gap:40px;align-items:center}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0;margin:0 0 12px;font-size:.85rem;color:var(--muted)}
.crumbs li+li::before{content:"›";margin-right:6px}
.crumbs a{color:var(--muted)}
h1{font-size:clamp(1.9rem,4.2vw,3rem);line-height:1.12;color:var(--navy);margin:0 0 14px;letter-spacing:-.015em}
.lead{font-size:1.15rem;color:#33404d;margin:0 0 20px}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:18px}
.ticks{list-style:none;padding:0;margin:0}
.ticks li{position:relative;padding-left:28px;margin:6px 0;font-size:.95rem}
.ticks li::before{content:"";position:absolute;left:0;top:.35em;width:18px;height:18px;border-radius:50%;background:var(--sea) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3 3 7-7' stroke='%230b3a5b' stroke-width='2.4' fill='none'/%3E%3C/svg%3E") center/14px no-repeat}
.hero-media{margin:0}
.hero-media img{border-radius:var(--radius);box-shadow:var(--shadow);aspect-ratio:3/2;object-fit:cover;width:100%}
.hero-media figcaption{font-size:.8rem;color:var(--muted);margin-top:6px}
.media-placeholder{aspect-ratio:3/2;border-radius:var(--radius);background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 55%,var(--sea) 100%);display:flex;align-items:flex-end;padding:18px;color:#fff;font-weight:600}

/* content */
.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:48px;padding-top:36px;padding-bottom:36px}
.prose{max-width:780px}
.prose h2{font-size:1.65rem;line-height:1.25;color:var(--navy);margin:2.2em 0 .6em;scroll-margin-top:90px}
.prose h3{font-size:1.25rem;color:var(--navy);margin:1.6em 0 .4em}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin:.3em 0}
.table-wrap{overflow-x:auto;margin:1.2em 0;border:1px solid var(--line);border-radius:12px}
table{border-collapse:collapse;width:100%;font-size:.95rem}
th,td{padding:10px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--sand);color:var(--navy)}
tr:last-child td{border-bottom:0}
blockquote{margin:1.2em 0;padding:12px 18px;border-left:4px solid var(--terra);background:var(--sand);border-radius:0 10px 10px 0}
.toc{background:var(--sand);border-radius:12px;padding:14px 18px;margin-bottom:8px}
.toc summary{font-weight:700;cursor:pointer;color:var(--navy)}
.toc ol{margin:.5em 0 0;columns:2;column-gap:28px;font-size:.93rem}
.faq details{border:1px solid var(--line);border-radius:12px;padding:0 18px;margin:10px 0;background:#fff}
.faq summary{cursor:pointer;font-weight:650;padding:14px 0;color:var(--navy);list-style-position:outside}
.faq details p{margin:0 0 14px}
.updated{font-size:.82rem;color:var(--muted);margin-top:2em}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px;box-shadow:var(--shadow)}
.card-title{font-weight:750;color:var(--navy);margin:0 0 6px;font-size:1.1rem}
.sticky{position:sticky;top:90px}
.related{padding:20px 16px 40px}
.related h2{color:var(--navy)}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px}
.link-card{text-decoration:none;color:var(--ink);display:flex;flex-direction:column;gap:6px;transition:transform .15s}
.link-card:hover{transform:translateY(-2px);color:var(--ink)}
.link-card strong{color:var(--navy)}
.link-card span{font-size:.9rem;color:var(--muted)}

/* quote */
.quote{background:var(--navy);color:#fff;padding:52px 0}
.quote h2{margin-top:0;font-size:1.9rem}
.quote a{color:var(--sea)}
.quote-inner{display:grid;grid-template-columns:1fr 1.2fr;gap:40px}
.contact-lines{font-size:1.1rem;line-height:2}
.quote-form{display:grid;grid-template-columns:1fr 1fr;gap:14px;background:#fff;color:var(--ink);padding:24px;border-radius:var(--radius)}
.quote-form label{display:flex;flex-direction:column;font-size:.88rem;font-weight:600;gap:4px}
.quote-form .full{grid-column:1/-1}
.quote-form input,.quote-form select,.quote-form textarea{font:inherit;padding:11px 12px;border:1px solid #cfc6b8;border-radius:10px;background:#fff}
.quote-form .check{flex-direction:row;align-items:center;gap:8px;font-weight:500}
.quote-form .check a{color:var(--navy-2)}

/* footer */
.site-footer{background:#08283f;color:#c9d6e0;padding:44px 0 90px;font-size:.93rem}
.site-footer a{color:#e6eef4;text-decoration:none}
.site-footer a:hover{color:var(--sea)}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:28px}
.footer-grid ul{list-style:none;padding:0;margin:0}
.footer-grid li{margin:6px 0}
.footer-brand{font-size:1.3rem;font-weight:800;color:#fff;margin:0}
.footer-h{font-weight:700;color:#fff;margin:0 0 8px}
address{font-style:normal;margin:10px 0}
.copy{font-size:.8rem;color:#8ea3b3;margin-top:28px}
.mobile-bar{display:none}
.notfound{padding:80px 16px;text-align:center}

@media (max-width:1000px){
  .nav-toggle{display:block}
  .nav{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:12px 16px 20px;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}
  .nav.open{display:flex}
  .nav>ul{flex-direction:column}
  .sub{display:block;position:static;border:0;box-shadow:none;padding:0 0 0 12px;min-width:0}
  .hero-inner,.content-grid,.quote-inner{grid-template-columns:1fr}
  .sidebar{display:none}
  .footer-grid{grid-template-columns:1fr 1fr}
  .mobile-bar{display:grid;grid-template-columns:1fr 1fr 1.3fr;position:fixed;bottom:0;left:0;right:0;z-index:60;background:#fff;border-top:1px solid var(--line);box-shadow:0 -4px 16px rgba(0,0,0,.08)}
  .mobile-bar a{padding:14px 6px;text-align:center;text-decoration:none;font-weight:700;color:var(--navy);font-size:.92rem}
  .mobile-bar .accent{background:var(--terra);color:#fff}
}
@media (max-width:600px){
  body{font-size:16px}
  .toc ol{columns:1}
  .quote-form{grid-template-columns:1fr;padding:18px}
  .footer-grid{grid-template-columns:1fr}
  .logo small{display:none}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.link-card{transition:none}}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;opacity:0}
.quote-form .hint{font-weight:400;color:var(--muted);font-size:.8rem}
.quote-form input[type=file]{padding:8px;background:var(--sand)}