:root{--navy:#1b2a44;--navy2:#141f33;--gold:#d97706;--gold2:#b45f05;--bg:#fbfaf8;--card:#fff;
--ink:#1f2937;--mut:#6b7280;--line:#eceae3}
*{box-sizing:border-box}
body{margin:0;font-family:-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
background:var(--bg);color:var(--ink);line-height:1.6;font-size:17px}
a{color:var(--navy)}
.wrap{max-width:960px;margin:0 auto;padding:0 18px}
header{background:var(--navy);color:#fff}
.topbar{display:flex;align-items:center;justify-content:space-between;padding:14px 0;gap:12px;flex-wrap:wrap}
.logo{font-weight:800;font-size:1.15rem;color:#fff;text-decoration:none;letter-spacing:.2px}
.logo span{color:#ffd97a}
.callbtn{background:var(--gold);color:#fff;text-decoration:none;font-weight:700;
padding:10px 18px;border-radius:8px;white-space:nowrap}
.callbtn:hover{background:var(--gold2)}
nav{background:var(--navy2)}
nav .wrap{display:flex;gap:4px;overflow-x:auto}
nav a{color:#d7e0f0;text-decoration:none;padding:11px 14px;font-size:.95rem;white-space:nowrap}
nav a:hover,nav a.on{color:#fff;background:rgba(255,255,255,.08)}
.hero{background:var(--navy);color:#fff;padding:58px 0 62px}
.hero h1{font-size:2.1rem;margin:0 0 12px;line-height:1.2}
.hero p{font-size:1.15rem;color:#c9d4e8;max-width:640px;margin:0 0 24px}
.hero .callbtn{font-size:1.15rem;padding:14px 26px}
.hero .sub{display:block;margin-top:14px;color:#9fb0cc;font-size:.95rem}
main{padding:52px 0 72px}
h2{color:var(--navy);font-size:1.45rem;margin:52px 0 14px;letter-spacing:-.01em}
main h2:first-child{margin-top:0}
h3{color:var(--navy);margin:24px 0 6px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px;margin:24px 0}
.card{background:var(--card);border:0;border-radius:12px;padding:26px;box-shadow:0 1px 3px rgba(27,42,68,.07),0 4px 14px rgba(27,42,68,.05)}
.card h3{margin-top:0}
.card a.more{font-weight:600}
ul.checks{list-style:none;padding:0}
ul.checks li{padding-left:26px;position:relative;margin:8px 0}
ul.checks li:before{content:"\2713";position:absolute;left:0;color:var(--gold);font-weight:800}
table{border-collapse:collapse;width:100%;margin:16px 0;background:#fff}
th,td{border:1px solid var(--line);padding:10px 12px;text-align:left;font-size:.95rem}
th{background:var(--navy);color:#fff}
.cta{background:var(--navy);color:#fff;border-radius:12px;padding:28px;margin:36px 0;text-align:center}
.cta h2{color:#fff;margin:0 0 8px}
.cta p{color:#c9d4e8;margin:0 0 18px}
.note{font-size:.9rem;color:var(--mut);border-left:3px solid var(--gold);
padding:8px 14px;background:#fff;margin:18px 0}
footer{background:var(--navy2);color:#aab8d0;padding:34px 0;font-size:.9rem}
footer a{color:#d7e0f0}
footer .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:22px}
.disclosure{margin-top:22px;padding-top:14px;border-top:1px solid rgba(255,255,255,.15);font-size:.8rem;color:#8494b3}
.sticky-call{display:none}
@media(max-width:640px){
 .hero h1{font-size:1.6rem}
 .sticky-call{display:block;position:fixed;bottom:0;left:0;right:0;z-index:50;
  background:var(--gold);color:#fff;text-align:center;padding:15px;font-weight:800;
  font-size:1.1rem;text-decoration:none;box-shadow:0 -2px 12px rgba(0,0,0,.25)}
 body{padding-bottom:56px}}
label{display:block;font-weight:600;margin:14px 0 4px}
input,select,textarea{width:100%;padding:11px;border:1px solid var(--line);border-radius:6px;font-size:1rem;font-family:inherit}
button.submit{background:var(--gold);}
button.submit:hover{background:var(--gold2);}
button.submit{color:#fff;border:0;border-radius:8px;
padding:13px 26px;font-size:1.05rem;font-weight:700;margin-top:16px;cursor:pointer}
.faq h3{margin-bottom:2px}
.faq p{margin-top:4px}
.logtable td{height:34px}
@media print{header,nav,footer,.cta,.sticky-call,.note{display:none!important}
 body{background:#fff;font-size:12px}.hero{background:#fff;color:#000;padding:10px 0}
 .hero h1,.hero p{color:#000}}