:root{--navy:#0d2b45;--navy2:#123a5e;--navy3:#0a2036;--accent:#e8770e;--accent2:#f59e2c;--sky:#3aa7e0;--ink:#243342;--muted:#5b6b7c;--bg:#fff;--soft:#f3f6fa;--line:#dfe7ef;--radius:14px;--shadow:0 10px 30px rgba(13,43,69,.10)}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);line-height:1.7;background:var(--bg);font-size:17px}
h1,h2,h3,h4{font-family:Georgia,"Times New Roman",serif;color:var(--navy);line-height:1.25;font-weight:700}
h1{font-size:2.35rem;margin:.4em 0 .5em}h2{font-size:1.65rem;margin:1.6em 0 .6em}h3{font-size:1.25rem;margin:1.3em 0 .45em}
p{margin:0 0 1em}ul,ol{margin:0 0 1em 1.3em}li{margin:.3em 0}
a{color:var(--navy2);text-decoration:underline;text-underline-offset:3px}a:hover{color:var(--accent)}
img{max-width:100%;height:auto;border-radius:10px}
.wrap{max-width:1140px;margin:0 auto;padding:0 22px}
/* topbar */
.topbar{background:var(--navy3);color:#cfe0f0;font-size:.86rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;padding-top:7px;padding-bottom:7px;gap:12px;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:700;text-decoration:none}
/* header */
.site-header{background:#fff;position:sticky;top:0;z-index:50;border-bottom:1px solid var(--line);box-shadow:0 2px 12px rgba(13,43,69,.06)}
.nav-row{display:flex;align-items:center;gap:18px;padding:10px 0}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand-name{font-family:Georgia,serif;font-size:1.45rem;color:var(--navy);font-weight:800;letter-spacing:-.01em;line-height:1.1;display:block}
.brand-sub{font-size:.72rem;color:var(--muted);letter-spacing:.14em;text-transform:uppercase}
.main-nav{margin-left:auto;display:flex;align-items:center;gap:4px}
.main-nav>a,.dropbtn{padding:10px 13px;color:var(--navy);font-weight:600;font-size:.96rem;text-decoration:none;border-radius:8px;background:none;border:0;cursor:pointer;font-family:inherit}
.main-nav>a:hover,.dropbtn:hover{background:var(--soft);color:var(--accent)}
.dropdown{position:relative}
.dropdown-panel{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);padding:14px;min-width:640px;columns:2;column-gap:26px;z-index:60}
.dropdown:hover .dropdown-panel,.dropdown:focus-within .dropdown-panel{display:block}
.dropdown-panel a{display:block;padding:6px 8px;font-size:.9rem;color:var(--ink);text-decoration:none;border-radius:6px;break-inside:avoid}
.dropdown-panel a:hover{background:var(--soft);color:var(--accent)}
.btn{display:inline-block;background:var(--accent);color:#fff!important;font-weight:700;padding:12px 26px;border-radius:10px;text-decoration:none;border:0;cursor:pointer;font-size:1rem;box-shadow:0 6px 18px rgba(232,119,14,.35)}
.btn:hover{background:#cf6607;color:#fff!important}
.btn-outline{display:inline-block;border:2px solid #fff;color:#fff!important;font-weight:700;padding:10px 24px;border-radius:10px;text-decoration:none}
.btn-outline:hover{background:rgba(255,255,255,.15);color:#fff!important}
.btn-navy{background:var(--navy);box-shadow:0 6px 18px rgba(13,43,69,.3)}
.btn-navy:hover{background:var(--navy2)}
.header-phone{white-space:nowrap}
/* hero */
.hero{position:relative;color:#fff;overflow:hidden;background:var(--navy3)}
.hero img.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;border-radius:0;opacity:.5}
.hero-inner{position:relative;padding:88px 0 78px;max-width:1140px;margin:0 auto;padding-left:22px;padding-right:22px}
.hero h1{color:#fff;font-size:2.7rem;max-width:16em;margin-bottom:.35em}
.hero p.lead{font-size:1.2rem;max-width:38em;color:#e8f1fa}
.hero-ctas{display:flex;gap:14px;margin-top:26px;flex-wrap:wrap}
.hero-badges{display:flex;gap:22px;margin-top:26px;flex-wrap:wrap;font-size:.92rem;color:#d7e6f5}
.hero-badges strong{color:#fff}
/* breadcrumbs */
.crumbs{font-size:.85rem;color:var(--muted);padding:14px 0 0}
.crumbs a{color:var(--muted);text-decoration:none}.crumbs a:hover{color:var(--accent)}
/* layout */
.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:44px;padding:26px 0 60px}
.sidebar .card{margin-bottom:22px}
@media(max-width:900px){.content-grid{grid-template-columns:1fr}}
/* safety notice */
.notice-box{background:#fff8ec;border:1px solid #f0d9a8;border-left:6px solid #d99413;border-radius:12px;padding:22px 24px;margin:22px 0 30px}
.notice-box .kicker{font-size:.78rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:#9a6b0f;margin-bottom:8px}
.notice-box p{margin-bottom:.7em}.notice-box p:last-child{margin-bottom:0}
/* cards */
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.card h3{margin-top:0}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
@media(max-width:800px){.grid-3,.grid-2{grid-template-columns:1fr}}
.service-card h3{font-size:1.12rem;margin:0 0 .4em}
.service-card h3 a{text-decoration:none;color:var(--navy)}
.service-card p{font-size:.94rem;color:var(--muted)}
.link-list{list-style:none;margin:0;padding:0}
.link-list li{margin:0;border-bottom:1px solid var(--line)}
.link-list li:last-child{border-bottom:0}
.link-list a{display:block;padding:9px 2px;text-decoration:none;color:var(--ink);font-size:.95rem}
.link-list a:hover{color:var(--accent);padding-left:6px}
/* process steps */
.steps{list-style:none;margin:1.4em 0;padding:0;counter-reset:step}
.steps li{counter-increment:step;position:relative;padding:0 0 22px 64px}
.steps li::before{content:counter(step);position:absolute;left:0;top:2px;width:44px;height:44px;border-radius:50%;background:var(--navy);color:#fff;font-family:Georgia,serif;font-weight:700;font-size:1.25rem;display:flex;align-items:center;justify-content:center}
.steps li::after{content:"";position:absolute;left:21px;top:50px;bottom:0;width:2px;background:var(--line)}
.steps li:last-child::after{display:none}
.steps strong{color:var(--navy);font-size:1.05rem}
/* cta band */
.cta-band{background:linear-gradient(135deg,var(--navy3),var(--navy2));color:#fff;border-radius:18px;padding:44px 40px;margin:44px 0;text-align:center;box-shadow:var(--shadow)}
.cta-band h2{color:#fff;margin-top:0}
.cta-band p{color:#d7e6f5;max-width:44em;margin-left:auto;margin-right:auto}
.cta-phone{display:inline-block;font-family:Georgia,serif;font-size:2rem;color:#fff!important;text-decoration:none;margin:14px 0;font-weight:700}
.cta-phone:hover{color:var(--accent2)!important}
/* faq */
.faq details{border:1px solid var(--line);border-radius:10px;margin-bottom:10px;background:#fff;overflow:hidden}
.faq summary{cursor:pointer;padding:15px 18px;font-weight:700;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:12px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.4rem;color:var(--accent);flex:none}
.faq details[open] summary::after{content:"\2212"}
.faq .faq-body{padding:0 18px 16px;color:var(--ink)}
/* sources */
.sources{background:var(--soft);border:1px solid var(--line);border-radius:12px;padding:20px 24px;margin:34px 0;font-size:.92rem}
.sources h3{margin-top:0;font-size:1.05rem}
/* tags / chips */
.chips{display:flex;flex-wrap:wrap;gap:10px;margin:14px 0}
.chip{background:var(--soft);border:1px solid var(--line);border-radius:999px;padding:7px 16px;font-size:.88rem;text-decoration:none;color:var(--navy2);font-weight:600}
.chip:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
/* tables */
table.data{width:100%;border-collapse:collapse;margin:1.2em 0;font-size:.95rem}
table.data th{background:var(--navy);color:#fff;text-align:left;padding:10px 14px}
table.data td{border:1px solid var(--line);padding:9px 14px}
table.data tr:nth-child(even) td{background:var(--soft)}
/* footer */
.site-footer{background:var(--navy3);color:#b9cade;margin-top:30px}
.site-footer a{color:#dbe7f5;text-decoration:none}.site-footer a:hover{color:var(--accent2)}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:30px;padding:52px 0 34px}
@media(max-width:800px){.footer-grid{grid-template-columns:1fr 1fr}}
.site-footer h4{color:#fff;font-size:1rem;margin:0 0 12px;font-family:inherit}
.site-footer ul{list-style:none;margin:0;padding:0}.site-footer li{margin:.4em 0;font-size:.92rem}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding:18px 0;font-size:.85rem;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap}
/* sticky mobile call bar */
.mobile-cta{display:none;position:fixed;bottom:0;left:0;right:0;z-index:60;background:#fff;border-top:1px solid var(--line);padding:10px 14px;box-shadow:0 -6px 20px rgba(0,0,0,.12)}
.mobile-cta a{display:block;text-align:center;background:var(--accent);color:#fff!important;font-weight:800;padding:13px;border-radius:10px;text-decoration:none;font-size:1.05rem}
@media(max-width:760px){.mobile-cta{display:block}body{padding-bottom:76px}.main-nav{display:none}.hero h1{font-size:2rem}.hero-inner{padding:60px 22px 54px}}
/* article */
.article-meta{color:var(--muted);font-size:.9rem;margin-bottom:6px}
.figure{margin:24px 0}.figure figcaption{font-size:.85rem;color:var(--muted);margin-top:8px}
.kicker-label{display:inline-block;background:var(--accent);color:#fff;font-size:.75rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;padding:5px 14px;border-radius:999px;margin-bottom:10px}
.toc{background:var(--soft);border:1px solid var(--line);border-radius:12px;padding:18px 22px;margin:20px 0}
.toc strong{display:block;margin-bottom:8px;color:var(--navy)}
.toc ul{margin:0;padding-left:1.1em;font-size:.94rem}