:root{--navy:#0a4b66;--navy-dark:#063547;--accent:#f07f2e;--accent-dark:#d3641a;--bg:#f3f8fb;--card:#ffffff;--text:#24313d;--muted:#5a6b7a;--line:#d9e4ec;--radius:10px}*{box-sizing:border-box}body{margin:0;font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Arial,sans-serif;color:var(--text);background:var(--bg);line-height:1.65;font-size:17px}img{max-width:100%;height:auto}.topbar{background:var(--navy-dark);color:#cfe0ee;font-size:.85rem;text-align:center;padding:6px 16px}header.site{background:var(--card);border-bottom:1px solid var(--line);position:-webkit-sticky;position:sticky;top:0;z-index:50}.header-inner{max-width:1100px;margin:0 auto;padding:14px 20px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:10px}.brand{font-size:1.35rem;font-weight:800;color:var(--navy);text-decoration:none;letter-spacing:-.01em}.brand span{color:var(--accent)}.call-header{display:inline-block;background:var(--accent);color:#fff;font-weight:700;font-size:1.05rem;padding:10px 18px;border-radius:var(--radius);text-decoration:none;white-space:nowrap}.call-header:hover{background:var(--accent-dark)}nav.main{width:100%;border-top:1px solid var(--line);margin-top:8px;padding-top:8px;display:flex;flex-wrap:wrap;gap:4px 18px;font-size:.95rem}nav.main a{color:var(--navy);text-decoration:none;font-weight:600;padding:4px 0}nav.main a:hover{color:var(--accent-dark)}.hero{background:linear-gradient(160deg,var(--navy) 0,var(--navy-dark) 100%);color:#fff;padding:52px 20px 56px}.hero-inner{max-width:1100px;margin:0 auto}.hero h1{font-size:1.9rem;line-height:1.25;margin:0 0 14px;letter-spacing:-.01em}.hero p.lead{font-size:1.1rem;color:#d9e6f2;max-width:640px;margin:0 0 24px}.cta-row{display:flex;flex-wrap:wrap;gap:12px}.btn{display:inline-block;padding:14px 26px;border-radius:var(--radius);font-weight:700;font-size:1.05rem;text-decoration:none;text-align:center}.btn-call{background:var(--accent);color:#fff}.btn-call:hover{background:var(--accent-dark)}.btn-quote{background:#fff;color:var(--navy)}.btn-quote:hover{background:#e8eef4}main{max-width:1100px;margin:0 auto;padding:12px 20px 40px}section.block{padding:30px 0 6px}h2{font-size:1.45rem;line-height:1.3;margin:26px 0 12px}h2,h3{color:var(--navy)}h3{font-size:1.15rem;margin:22px 0 8px}.cards{display:grid;grid-template-columns:1fr;grid-gap:16px;gap:16px;margin:18px 0}.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:20px 22px}.card h3{margin-top:0}.card a.more{color:var(--accent-dark);font-weight:700;text-decoration:none}.stat-band{background:var(--navy);color:#fff;border-radius:var(--radius);padding:24px 26px;margin:26px 0}.stat-band strong{color:#ffb37e;font-size:1.3rem}.stat-band .src{display:block;font-size:.8rem;color:#9db8cf;margin-top:8px}table.simple{width:100%;border-collapse:collapse;margin:14px 0 20px;background:var(--card);font-size:.95rem}table.simple td,table.simple th{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}table.simple th{background:#eef3f8;color:var(--navy)}.faq details{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);margin-bottom:10px;padding:0 18px}.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:14px 0;list-style-position:outside}.faq details p{margin-top:0}.figure{margin:24px 0;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:20px 22px}.figure figcaption{font-size:.85rem;color:var(--muted);margin-top:12px;text-align:center}.calc{background:var(--card);border:2px solid var(--navy);border-radius:var(--radius);padding:24px 22px;margin:26px 0}.calc-row{margin-bottom:14px}.calc-row label{display:block;font-weight:600;font-size:.9rem;color:var(--navy);margin-bottom:6px}.calc-row input,.calc-row select{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:6px;font-size:1rem;font-family:inherit;background:#fff}.calc-result{display:flex;flex-direction:column;gap:2px;background:var(--navy);color:#fff;border-radius:var(--radius);padding:18px 20px;margin:18px 0 12px}.calc-result-label{font-size:.8rem;color:#bcd4e4;text-transform:uppercase;letter-spacing:.04em}.calc-result-value{font-size:1.7rem;font-weight:800;color:#ffce9e}.calc-note{font-size:.95rem;margin:4px 0 8px}.calc-src{font-size:.8rem;color:var(--muted);margin:0 0 8px}.embed-code{background:var(--navy-dark);color:#d9e8f2;border-radius:var(--radius);padding:16px 18px;overflow-x:auto;font-size:.82rem;line-height:1.5;white-space:pre-wrap;word-break:break-word}.crumbs{max-width:1100px;margin:0 auto;padding:12px 20px 0;font-size:.85rem;color:var(--muted)}.crumbs a{color:var(--navy);text-decoration:none;font-weight:600}.crumbs a:hover{color:var(--accent-dark)}.crumbs span{color:var(--muted)}.quote-wrap{background:var(--card);border:2px solid var(--navy);border-radius:var(--radius);padding:26px 24px;margin:30px 0}.quote-wrap h2{margin-top:0}form.quote{display:grid;grid-template-columns:1fr;grid-gap:12px;gap:12px}form.quote label{font-weight:600;font-size:.9rem;color:var(--navy)}form.quote input,form.quote select,form.quote textarea{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:6px;font-size:1rem;font-family:inherit}form.quote button{background:var(--accent);color:#fff;font-weight:700;font-size:1.05rem;border:none;border-radius:var(--radius);padding:14px;cursor:pointer}form.quote button:hover{background:var(--accent-dark)}.form-note{font-size:.85rem;color:var(--muted);margin-top:6px}.mobile-call{position:fixed;bottom:0;left:0;right:0;background:var(--accent);text-align:center;padding:13px;z-index:60}.mobile-call a{color:#fff;font-weight:800;font-size:1.1rem;text-decoration:none}body{padding-bottom:60px}footer.site{background:var(--navy-dark);color:#b9cddf;padding:34px 20px 46px;font-size:.92rem}.footer-inner{max-width:1100px;margin:0 auto}footer.site a{color:#e3eef8;text-decoration:none}footer.site a:hover{text-decoration:underline}.footer-links{display:flex;flex-wrap:wrap;gap:8px 22px;margin:14px 0}.fineprint{font-size:.8rem;color:#7f97ab;margin-top:14px}@media (min-width:760px){.hero h1{font-size:2.5rem}.cards{grid-template-columns:1fr 1fr}.cards.three{grid-template-columns:1fr 1fr 1fr}form.quote{grid-template-columns:1fr 1fr}form.quote .full{grid-column:1/-1}.mobile-call{display:none}body{padding-bottom:0}nav.main{width:auto;border-top:none;margin-top:0;padding-top:0}}