:root{
  --navy:#0B2545;
  --navy-2:#12305c;
  --teal:#0E7C7B;
  --teal-2:#0aa09f;
  --cta:#F97316;
  --cta-dark:#c2570b;
  --bg:#f4f7f9;
  --card:#ffffff;
  --ink:#132033;
  --muted:#5b6b80;
  --line:#dfe7ee;
  --radius:12px;
  --space-1:.5rem;
  --space-2:1rem;
  --space-3:1.75rem;
  --space-4:2.75rem;
  --space-5:4rem;
  --max:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation:none!important;transition:none!important}}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
a{color:var(--teal);text-underline-offset:3px}
a:hover{color:var(--navy)}
img,svg{max-width:100%}
.container{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:.6rem 1rem;z-index:99}
.skip:focus{left:0}
/* Header - dark */
.site-header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50;box-shadow:0 2px 12px rgba(0,0,0,.25)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:.7rem 20px;max-width:var(--max);margin:0 auto}
.brand{display:flex;align-items:center;gap:.6rem;color:#fff;text-decoration:none;font-weight:800;font-size:1.05rem;letter-spacing:.2px}
.brand svg{flex:0 0 auto}
.brand small{display:block;font-weight:600;font-size:.72rem;color:#bcd7e6;letter-spacing:.6px;text-transform:uppercase}
.nav{display:flex;gap:1.1rem;align-items:center}
.nav a{color:#d6e6f2;text-decoration:none;font-weight:600;font-size:.95rem}
.nav a:hover{color:#fff;text-decoration:underline}
.btn{display:inline-block;text-decoration:none;font-weight:800;border-radius:999px;padding:.9rem 1.6rem;line-height:1.1;border:2px solid transparent;cursor:pointer;text-align:center}
.btn-cta{background:var(--cta);color:#fff!important;box-shadow:0 6px 18px rgba(249,115,22,.35)}
.btn-cta:hover{background:var(--cta-dark);color:#fff!important}
.btn-ghost{background:transparent;color:#fff!important;border-color:rgba(255,255,255,.55)}
.btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.1)}
.btn-outline{background:#fff;color:var(--navy)!important;border-color:var(--navy)}
.header-call{white-space:nowrap;padding:.65rem 1.1rem;font-size:.95rem}
.menu-toggle{display:none;background:none;border:1px solid rgba(255,255,255,.4);color:#fff;border-radius:8px;padding:.45rem .7rem;font-size:1rem}
/* Hero centered gradient - variant 0 */
.hero{background:linear-gradient(180deg,var(--navy) 0%,#143a6b 45%,var(--teal) 130%);color:#fff;text-align:center;padding:var(--space-5) 0 var(--space-4)}
.hero h1{font-size:clamp(1.9rem,5vw,3rem);line-height:1.12;margin:0 0 1rem;letter-spacing:-.5px}
.hero p.lead{max-width:680px;margin:0 auto 1.4rem;font-size:clamp(1rem,2.4vw,1.2rem);color:#e3f0f5}
.hero-cta-row{display:flex;gap:.8rem;justify-content:center;flex-wrap:wrap;margin-bottom:1rem}
.hero-note{font-size:.9rem;color:#cfe3ec}
.hero-badges{display:flex;gap:.6rem;justify-content:center;flex-wrap:wrap;margin-top:1.2rem}
.hero-badges span{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);padding:.35rem .8rem;border-radius:999px;font-size:.85rem}
/* Trust strip */
.trust{background:#fff;border-bottom:1px solid var(--line)}
.trust-inner{display:grid;grid-template-columns:repeat(4,1fr);gap:.8rem;padding:1rem 20px;max-width:var(--max);margin:0 auto;text-align:center;font-weight:700;font-size:.92rem;color:var(--navy)}
.trust-inner span{display:flex;align-items:center;justify-content:center;gap:.45rem}
/* Sections */
.section{padding:var(--space-4) 0}
.section.alt{background:#fff}
.section h2{font-size:clamp(1.4rem,3.4vw,2rem);color:var(--navy);margin:0 0 .6rem;text-align:center;letter-spacing:-.3px}
.section .sub{max-width:700px;margin:0 auto 1.8rem;text-align:center;color:var(--muted)}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.1rem}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:1.1rem}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1.4rem;box-shadow:0 8px 24px rgba(11,37,69,.07)}
.card h3{margin:.4rem 0 .5rem;color:var(--navy);font-size:1.1rem}
.card p{margin:0 0 .8rem;color:var(--muted);font-size:.96rem}
.card a.more{font-weight:700;color:var(--teal);text-decoration:none}
.icon{width:40px;height:40px;border-radius:10px;display:inline-flex;align-items:center;justify-content:center;background:linear-gradient(135deg,var(--teal),var(--navy));color:#fff}
/* Process */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;counter-reset:step}
.step{background:var(--navy);color:#fff;border-radius:var(--radius);padding:1.3rem;text-align:center}
.step strong{display:block;font-size:1.02rem;margin-bottom:.3rem}
.step p{font-size:.9rem;color:#c9d9e6;margin:0}
.step .num{display:inline-flex;width:36px;height:36px;border-radius:50%;background:var(--cta);align-items:center;justify-content:center;font-weight:800;margin-bottom:.5rem}
/* Benefits */
.benefits{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.benefit{background:linear-gradient(180deg,#fff,#eef6f5);border:1px solid var(--line);border-radius:var(--radius);padding:1.2rem}
/* Cities */
.city-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:.7rem;list-style:none;padding:0;margin:0}
.city-grid a{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:.75rem .95rem;text-decoration:none;color:var(--navy);font-weight:700}
.city-grid a:hover{border-color:var(--teal);box-shadow:0 4px 14px rgba(14,124,123,.15)}
.city-grid small{display:block;font-weight:500;color:var(--muted);font-size:.82rem}
/* FAQ */
.faq{max-width:760px;margin:0 auto}
details.faq-item{background:#fff;border:1px solid var(--line);border-radius:var(--radius);margin-bottom:.7rem;padding:.9rem 1.1rem}
details.faq-item summary{font-weight:800;color:var(--navy);cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:1rem}
details.faq-item summary::-webkit-details-marker{display:none}
details.faq-item summary::after{content:"+";font-size:1.4rem;color:var(--teal);flex:0 0 auto}
details.faq-item[open] summary::after{content:"–"}
details.faq-item p{color:#33475f}
/* Breadcrumbs */
.crumbs{font-size:.85rem;color:var(--muted);padding:.9rem 0 0}
.crumbs a{color:var(--teal);text-decoration:none}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:.4rem;margin:0;padding:0}
.crumbs li+li::before{content:"›";margin-right:.4rem;color:#8aa0b5}
/* Article */
.prose{max-width:760px;margin:0 auto}
.prose h2{color:var(--navy);text-align:left;margin-top:2rem}
.prose h3{color:var(--navy-2)}
.prose ul{padding-left:1.2rem}
.callbox{background:linear-gradient(135deg,var(--navy),var(--teal));color:#fff;border-radius:var(--radius);padding:1.6rem;text-align:center;margin:2rem 0}
.callbox a.btn-cta{margin-top:.6rem}
.takeaways{background:#fff8ed;border:1px solid #f5c98a;border-left:6px solid var(--cta);border-radius:8px;padding:1rem 1.2rem;margin:1.5rem 0}
.meta{font-size:.88rem;color:var(--muted)}
table.data{width:100%;border-collapse:collapse;background:#fff;border-radius:var(--radius);overflow:hidden;font-size:.93rem}
table.data th,table.data td{padding:.6rem .8rem;border-bottom:1px solid var(--line);text-align:left}
table.data th{background:var(--navy);color:#fff}
/* Footer */
footer.site{background:var(--navy);color:#cbd9e6;margin-top:2rem}
.footer-inner{max-width:var(--max);margin:0 auto;padding:2.2rem 20px 6rem;display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:1.5rem}
footer.site a{color:#e6f0f7}
footer.site h3{color:#fff;font-size:1rem;margin:0 0 .6rem}
footer.site ul{list-style:none;margin:0;padding:0;display:grid;gap:.35rem;font-size:.93rem}
.disclaimer{grid-column:1/-1;font-size:.8rem;color:#9db4c8;border-top:1px solid rgba(255,255,255,.15);padding-top:1rem}
.disclaimer p{margin:.4rem 0}
/* Mobile call bar */
.callbar{position:fixed;bottom:0;left:0;right:0;z-index:60;background:#fff;border-top:1px solid var(--line);display:none;padding:.6rem .8rem;box-shadow:0 -4px 18px rgba(0,0,0,.12)}
.callbar a{display:flex;align-items:center;justify-content:center;gap:.6rem;background:var(--cta);color:#fff;text-decoration:none;font-weight:800;border-radius:10px;padding:.85rem;font-size:1.05rem}
/* Alpha groups */
.alpha{margin-bottom:1.5rem}
.alpha h2{background:var(--navy);color:#fff;display:inline-block;padding:.25rem .9rem;border-radius:999px;font-size:1.05rem}
@media(max-width:900px){
.grid-3{grid-template-columns:1fr 1fr}
.steps{grid-template-columns:1fr 1fr}
.trust-inner{grid-template-columns:1fr 1fr}
.city-grid{grid-template-columns:1fr 1fr}
.footer-inner{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
.nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--navy);flex-direction:column;padding:1rem;gap:.7rem;border-top:1px solid rgba(255,255,255,.15)}
.nav.open{display:flex}
.menu-toggle{display:inline-block}
.grid-3,.grid-2,.benefits{grid-template-columns:1fr}
.steps{grid-template-columns:1fr}
.city-grid{grid-template-columns:1fr}
.header-call{font-size:.85rem;padding:.55rem .8rem}
.callbar{display:block}
body{padding-bottom:64px}
.footer-inner{grid-template-columns:1fr;padding-bottom:5rem}
.trust-inner{grid-template-columns:1fr 1fr;font-size:.82rem}
}