:root{--ink:#14202e;--muted:#5a6776;--bg:#ffffff;--soft:#f3f6f9;--line:#dde4ea;--brand:#0f4c81;--brand-2:#0b3a63;--accent:#f2a900}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.65 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--brand)}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
.site-header{background:var(--brand-2);color:#fff;position:sticky;top:0;z-index:10}
.bar{display:flex;align-items:center;justify-content:space-between;min-height:64px;flex-wrap:wrap}
.brand{color:#fff;text-decoration:none;font-weight:700;font-size:19px;letter-spacing:.2px}
.brand span{color:var(--accent)}
nav{display:flex;gap:4px}
nav a{color:#dbe7f3;text-decoration:none;padding:8px 12px;border-radius:6px;font-size:15px}
nav a:hover,nav a[aria-current]{color:#fff;background:rgba(255,255,255,.12)}
.menu-toggle,.menu-btn{display:none}
.hero{background:linear-gradient(135deg,var(--brand-2),var(--brand));color:#fff;padding:72px 0 64px}
.hero h1{font-size:clamp(30px,5vw,46px);line-height:1.15;margin:.2em 0 .4em}
.lead{font-size:19px;max-width:720px;color:#e6eef6}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:13px;font-weight:700;color:var(--accent);margin:0}
.page-top .eyebrow{color:var(--brand)}
.cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.btn{display:inline-block;background:var(--accent);color:#1b1b1b;font-weight:700;text-decoration:none;padding:12px 22px;border-radius:8px}
.btn.ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.6)}
.section{padding:36px 20px 8px}
.page-top{padding-top:48px}
h1{font-size:clamp(28px,4.5vw,40px);line-height:1.2;margin:.2em 0 .5em}
h2{font-size:24px;margin:1.2em 0 .4em}
h3{font-size:17px;margin:.2em 0 .3em}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;margin-top:12px}
.card{background:var(--soft);border:1px solid var(--line);border-radius:12px;padding:18px 20px}
.card p{margin:.3em 0}
.panel{display:grid;grid-template-columns:1.4fr 1fr;gap:24px;background:var(--soft);border:1px solid var(--line);border-left:5px solid var(--accent);border-radius:12px;padding:8px 24px 16px}
.small{font-size:14px;color:var(--muted)}
.muted{color:var(--muted)}
.doc{max-width:800px}
.doc h2{font-size:20px}
.form-frame{margin:20px 0;border:1px solid var(--line);border-radius:12px;overflow:hidden;background:#fff}
.form-frame iframe{width:100%;border:0;display:block}
.form-frame.placeholder{padding:28px;background:var(--soft);text-align:center}
.note{background:var(--soft);border:1px solid var(--line);border-radius:12px;padding:16px 20px;font-size:15px;color:#334}
.site-footer{margin-top:56px;background:#0d1b2a;color:#b9c6d3;padding:24px 0;font-size:15px}
.site-footer a{color:#fff}
.site-footer p{margin:.3em 0}
.site-footer .small{color:#a9b8c6}
@media (max-width:760px){
  .menu-btn{display:flex;flex-direction:column;gap:5px;cursor:pointer;padding:10px}
  .menu-btn span{width:24px;height:2px;background:#fff;display:block}
  nav{display:none;width:100%;flex-direction:column;padding:0 0 12px}
  .menu-toggle:checked ~ nav{display:flex}
  .panel{grid-template-columns:1fr}
  .hero{padding:48px 0 44px}
}