:root{--navy:#1a2038;--navy-2:#232b4d;--red:#c81e2b;--red-dark:#a3131f;--bg:#fff;--bg-soft:#f5f6f9;--text:#22283b;--text-soft:#555d75;--line:#e3e6ee;--radius:10px;--maxw:1120px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{color:var(--text);background:var(--bg);margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;font-size:16px;line-height:1.65}img{max-width:100%;height:auto}a{color:var(--red)}h1,h2,h3{color:var(--navy);margin:0 0 .5em;line-height:1.25}h1{font-size:clamp(1.7rem,4vw,2.4rem)}h2{font-size:clamp(1.35rem,3vw,1.8rem)}h3{font-size:1.1rem}.container{max-width:var(--maxw);margin:0 auto;padding:0 20px}.topbar{background:var(--navy);color:#fff;padding:7px 0;font-size:.85rem}.topbar .container{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:12px;display:flex}.topbar a{color:#fff;white-space:nowrap;font-weight:700;text-decoration:none}.header{border-bottom:1px solid var(--line);z-index:50;background:#fff;position:sticky;top:0}.header .container{justify-content:space-between;align-items:center;gap:16px;min-height:64px;display:flex}.brand{color:var(--navy);letter-spacing:.2px;font-size:1.15rem;font-weight:800;text-decoration:none}.brand span{color:var(--red)}.nav{flex-wrap:wrap;align-items:center;gap:4px;display:flex}.nav a{color:var(--navy);border-radius:6px;padding:8px 10px;font-size:.92rem;font-weight:600;text-decoration:none}.nav a:hover,.nav a[aria-current=page]{background:var(--bg-soft);color:var(--red)}.nav .nav-cta{background:var(--red);color:#fff;font-weight:700}.nav .nav-cta:hover{background:var(--red-dark);color:#fff}.nav-toggle{border:1px solid var(--line);cursor:pointer;color:var(--navy);background:0 0;border-radius:6px;padding:8px 12px;font-size:1.1rem;display:none}@media (width<=860px){.nav-toggle{display:block}.nav{border-bottom:1px solid var(--line);background:#fff;flex-direction:column;align-items:stretch;padding:8px 16px 16px;display:none;position:absolute;top:100%;left:0;right:0}.nav.open{display:flex}.nav a{padding:12px 10px}}.hero{background:linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%);color:#fff;padding:56px 0}.hero h1{color:#fff}.hero p{color:#cdd3e4;max-width:640px;font-size:1.05rem}.hero .cta-row{flex-wrap:wrap;gap:12px;margin-top:24px;display:flex}.btn{border-radius:100px;padding:13px 26px;font-size:1rem;font-weight:700;text-decoration:none;display:inline-block}.btn-primary{background:var(--red);color:#fff}.btn-primary:hover{background:var(--red-dark)}.btn-outline{color:#fff;border:2px solid #fff}.btn-outline:hover{background:#ffffff1f}.section{padding:52px 0}.section.alt{background:var(--bg-soft)}.section-label{color:var(--red);text-transform:uppercase;letter-spacing:1px;margin-bottom:6px;font-size:.85rem;font-weight:700}.lead{color:var(--text-soft);max-width:720px}.grid{gap:20px;margin-top:28px;display:grid}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-2{grid-template-columns:repeat(2,1fr)}@media (width<=860px){.grid-3,.grid-2{grid-template-columns:1fr}}.card{border:1px solid var(--line);border-radius:var(--radius);background:#fff;padding:24px}.card h3{margin-top:0}.card p{color:var(--text-soft);margin-bottom:0;font-size:.95rem}.card .card-link{margin-top:12px;font-weight:700;text-decoration:none;display:inline-block}.notice{border:1px solid var(--line);border-left:4px solid var(--red);background:var(--bg-soft);color:var(--text-soft);border-radius:8px;margin:24px 0;padding:16px 20px;font-size:.95rem}.faq details{border:1px solid var(--line);background:#fff;border-radius:8px;margin-bottom:12px}.faq summary{cursor:pointer;color:var(--navy);padding:16px 20px;font-weight:700;list-style:none}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";float:right;color:var(--red);font-size:1.2rem}.faq details[open] summary:after{content:"–"}.faq details p{color:var(--text-soft);margin:0;padding:0 20px 16px}.call-band{background:var(--red);color:#fff;text-align:center;padding:40px 0}.call-band h2{color:#fff;margin-bottom:6px}.call-band p{color:#ffd9dc;margin-top:0}.call-band .btn{color:var(--red);background:#fff;margin-top:12px}.prose{max-width:780px}.prose h2{margin-top:1.6em;font-size:1.25rem}.prose ul{padding-left:22px}.prose li{margin-bottom:6px}.footer{background:var(--navy);color:#b9c0d6;padding:48px 0 0;font-size:.92rem}.footer h3{color:#fff;margin-bottom:12px;font-size:1rem}.footer a{color:#dde2f0;text-decoration:none}.footer a:hover{color:#fff;text-decoration:underline}.footer .footer-grid{grid-template-columns:2fr 1fr 1fr;gap:32px;padding-bottom:32px;display:grid}@media (width<=860px){.footer .footer-grid{grid-template-columns:1fr}}.footer ul{margin:0;padding:0;list-style:none}.footer li{margin-bottom:8px}.footer .footer-legal{color:#97a0bd;border-top:1px solid #ffffff24;padding:18px 0;font-size:.83rem}.call-fab{display:none}@media (width<=860px){.call-fab{z-index:90;background:linear-gradient(135deg, var(--red) 0%, var(--red-dark) 100%);color:#fff;letter-spacing:.3px;border-radius:100px;justify-content:center;align-items:center;gap:10px;padding:15px 20px;font-size:1.05rem;font-weight:800;text-decoration:none;animation:2.6s ease-in-out infinite fab-pulse;display:flex;position:fixed;bottom:14px;left:16px;right:16px;box-shadow:0 6px 22px #c81e2b73}.call-fab .fab-icon{background:#ffffff2e;border-radius:50%;justify-content:center;align-items:center;width:30px;height:30px;font-size:.95rem;display:inline-flex}body{padding-bottom:78px}.cookie-banner{bottom:88px}}@keyframes fab-pulse{0%,to{box-shadow:0 6px 22px #c81e2b73}50%{box-shadow:0 6px 30px #c81e2bbf}}.cookie-banner{border:1px solid var(--line);border-radius:var(--radius);z-index:100;background:#fff;max-width:420px;margin:0 auto;padding:18px 20px;font-size:.9rem;position:fixed;bottom:16px;left:16px;right:16px;box-shadow:0 8px 30px #1419322e}.cookie-banner p{color:var(--text-soft);margin:0 0 12px}.cookie-banner .btn{padding:9px 20px;font-size:.9rem}.cookie-banner .cookie-link{margin-left:14px;font-size:.85rem}