:root{--navy:#14385f;--navy-dark:#0e2944;--cta:#0c4f8a;--cta-hover:#0a4373;--accent:#2a7de1;--ink:#1f2937;--muted:#51607a;--bg:#fff;--bg-warm:#fbfaf6;--bg-soft:#eef3f8;--border:#d4dce6;--success:#1f6f43;--maxw:1120px;--radius:10px;--shadow:0 2px 10px #14385f14}*{box-sizing:border-box}html{scroll-behavior:smooth}body{color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased;margin:0;font-family:Segoe UI,system-ui,-apple-system,Roboto,Helvetica,Arial,sans-serif;line-height:1.65}h1,h2,h3,h4{color:var(--navy);margin:0 0 .5em;line-height:1.2}p{margin:0 0 1rem}.container{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 1.25rem}.container.narrow{max-width:760px}.visually-hidden{clip:rect(0 0 0 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.skip-link{background:var(--navy);color:#fff;border-radius:var(--radius);z-index:200;padding:.6rem 1rem;transition:top .2s;position:absolute;top:-3.5rem;left:1rem}.skip-link:focus{top:1rem}a{color:var(--cta)}a:hover{color:var(--cta-hover)}:where(a,button,input,select,textarea,summary):focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:4px}.site-header{z-index:100;border-bottom:1px solid var(--border);-webkit-backdrop-filter:saturate(140%)blur(6px);backdrop-filter:saturate(140%)blur(6px);background:#fffffff7;position:sticky;top:0}.header-inner{justify-content:space-between;align-items:center;gap:1rem;min-height:68px;display:flex}.brand{color:var(--navy);letter-spacing:.01em;align-items:center;gap:.55rem;font-size:1.15rem;font-weight:800;text-decoration:none;display:flex}.brand svg{flex:none}.brand span{white-space:nowrap}.site-nav{align-items:center;gap:1.5rem;display:flex}.nav-menu{gap:1.25rem;margin:0;padding:0;list-style:none;display:flex}.nav-menu a{color:var(--ink);border-bottom:2px solid #0000;padding:.4rem 0;font-weight:600;text-decoration:none}.nav-menu 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p{color:var(--muted);margin:0}.steps{counter-reset:step;gap:1.25rem;margin:0;padding:0;list-style:none;display:grid}.steps>li{counter-increment:step;padding-left:3.5rem;position:relative}.steps>li:before{content:counter(step);background:var(--navy);color:#fff;border-radius:50%;place-items:center;width:2.4rem;height:2.4rem;font-weight:700;display:grid;position:absolute;top:0;left:0}.steps h3{margin-bottom:.25rem;font-size:1.12rem}.steps p{color:var(--muted);margin:0}.checklist{gap:.9rem;margin:0;padding:0;list-style:none;display:grid}.checklist li{padding-left:2rem;position:relative}.checklist li:before{content:"";background:var(--success);width:1.15rem;height:1.15rem;position:absolute;top:.35rem;left:0;-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/%3E%3C/svg%3E") 50%/contain no-repeat;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 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fieldset{border:1px solid var(--border);border-radius:var(--radius);margin:0;padding:1.25rem 1.4rem 1.5rem}.form legend{color:var(--navy);padding:0 .5rem;font-size:1.08rem;font-weight:700}.field{gap:.4rem;margin-top:1rem;display:grid}.field:first-of-type{margin-top:0}.field label{font-weight:600}.field .req{color:#b3261e}.field .help{color:var(--muted);font-size:.9rem}.field input,.field select,.field textarea{font:inherit;border-radius:var(--radius);width:100%;color:var(--ink);background:#fff;border:1px solid #9aa7b8;padding:.7rem .8rem}.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--cta)}.field-row{grid-template-columns:1fr 1fr;gap:1rem;display:grid}.check-group{gap:.6rem;margin-top:1rem;display:grid}.check{align-items:flex-start;gap:.6rem;display:flex}.check input{width:auto;margin-top:.35rem}.hp{width:1px;height:1px;position:absolute;left:-9999px;overflow:hidden}.cta-band{background:var(--navy);color:#fff;text-align:center;padding:3.25rem 0}.cta-band h2{color:#fff}.cta-band p{color:#dbe5f0;max-width:52ch;margin:0 auto 1.75rem}.area-grid{grid-template-columns:repeat(auto-fill,minmax(180px,1fr));gap:.6rem 1.5rem;margin:1.5rem 0 0;padding:0;list-style:none;display:grid}.area-grid li{padding-left:1.5rem;position:relative}.area-grid li:before{content:"▸";color:var(--accent);position:absolute;left:0}.site-footer{background:var(--navy-dark);color:#c7d3e2;padding:3rem 0 1.5rem}.footer-grid{grid-template-columns:1.4fr 1fr 1fr;gap:2rem;display:grid}.site-footer h2{color:#fff;margin-bottom:.75rem;font-size:1.05rem}.site-footer a{color:#d8e2ef}.site-footer ul{gap:.5rem;margin:0;padding:0;list-style:none;display:grid}.footer-brand{color:#fff;align-items:center;gap:.5rem;margin-bottom:.75rem;font-weight:800;display:flex}.footer-bottom{color:#9fb1c7;border-top:1px solid #ffffff26;margin-top:2rem;padding-top:1.25rem;font-size:.9rem}.footer-disclaimer{color:#8ba0ba;max-width:60ch;margin-top:.5rem;font-size:.85rem}.lead-actions{flex-wrap:wrap;gap:1rem;margin-top:1.5rem;display:flex}.muted{color:var(--muted)}.mt-2{margin-top:2rem}.prose>:last-child{margin-bottom:0}.prose h2{margin-top:2rem}.prose h3{margin-top:1.5rem}@media (width<=860px){.footer-grid{grid-template-columns:1fr 1fr}}@media (width<=760px){.nav-toggle{display:block}.site-nav{gap:.75rem}.nav-menu{background:var(--bg);border-bottom:1px solid var(--border);box-shadow:var(--shadow);flex-direction:column;gap:0;padding:.5rem 1.25rem 1rem;display:none;position:absolute;top:68px;left:0;right:0}.nav-menu.open{display:flex}.nav-menu a{border-bottom:1px solid var(--border);padding:.75rem 0;display:block}.nav-menu li:last-child a{border-bottom:none}.field-row,.footer-grid{grid-template-columns:1fr}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}