:root{
  --ink:#12283b;--paper:#ffffff;--soft:#f4f7fa;--line:#e3e9ef;--muted:#5f6f7c;
  --accent:#e4623a;--accent-d:#c74e2a;--navy:#0e2740;--gold:#f0b429;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
html{overflow-x:hidden}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);line-height:1.55;background:var(--paper);overflow-x:hidden;overflow-wrap:break-word;-webkit-text-size-adjust:100%}
img,svg{max-width:100%}
*{min-width:0}
h1,h2,h3{line-height:1.14;letter-spacing:-.01em}
a{color:inherit;text-decoration:none}
.wrap{max-width:1060px;margin:0 auto;padding:0 20px}
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--accent);color:#fff;font-weight:700;border:none;cursor:pointer;padding:14px 24px;border-radius:9px;font-size:15px;transition:.15s}
.btn:hover{background:var(--accent-d)}
header{border-bottom:1px solid var(--line);position:sticky;top:0;background:rgba(255,255,255,.95);backdrop-filter:blur(8px);z-index:20}
header .wrap{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{font-weight:800;font-size:19px;color:var(--navy);display:flex;align-items:center;gap:9px}
.logo .dot{width:28px;height:28px;border-radius:7px;background:var(--accent);display:inline-flex;align-items:center;justify-content:center;flex:none}
.logo .dot svg{width:16px;height:16px}
nav.nav{display:flex;align-items:center;gap:20px;font-size:14.5px;font-weight:600;color:var(--navy)}
nav.nav a:hover{color:var(--accent)}
.nav-btn{padding:9px 16px;font-size:14px;color:#fff!important;border-radius:8px}
@media(max-width:820px){nav.nav a:not(.nav-btn){display:none}}
.hero{background:linear-gradient(100deg,rgba(11,32,54,.95) 0%,rgba(13,39,64,.82) 40%,rgba(18,52,84,.45) 100%),url('/hero.svg') center/cover,#0e2740;color:#fff;padding:52px 0 60px}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.hero h1{font-size:38px;font-weight:800}
.hero h1 span{color:var(--gold)}
.hero p{font-size:17px;color:#d5e2ee;margin:18px 0 22px;max-width:470px}
.chips{display:flex;flex-wrap:wrap;gap:9px;margin-top:22px}
.chip{font-size:13px;font-weight:600;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);padding:7px 13px;border-radius:30px}
.chip .s{color:var(--gold)}
.card{background:#fff;color:var(--ink);border-radius:14px;padding:24px;box-shadow:0 24px 60px -28px rgba(0,0,0,.5)}
.card h2{font-size:20px}
.card .sub{font-size:13.5px;color:var(--muted);margin:3px 0 16px}
.row{display:grid;grid-template-columns:1fr 1fr;gap:11px}
.fld{margin-bottom:11px}
.fld label{font-size:12px;font-weight:700;color:var(--navy);display:block;margin-bottom:5px}
.fld input,.fld select{width:100%;padding:12px;border:1.5px solid var(--line);border-radius:9px;font-family:inherit;font-size:15px;background:var(--soft)}
.fld input:focus,.fld select:focus{outline:none;border-color:var(--accent);background:#fff}
.card .btn{width:100%;justify-content:center;margin-top:5px;padding:15px;font-size:16px}
.card .fine{font-size:12px;color:var(--muted);text-align:center;margin-top:10px}
.gracias{display:none;text-align:center;padding:26px 10px}
.gracias h3{font-size:20px;color:var(--accent)}.gracias p{color:var(--muted);font-size:14px;margin-top:8px}
@media(max-width:820px){.hero .wrap{grid-template-columns:1fr}.hero h1{font-size:30px}}
.strip{background:var(--soft);border-bottom:1px solid var(--line)}
.strip .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;padding:22px 20px;text-align:center}
.strip .n{font-weight:800;font-size:20px;color:var(--accent)}.strip .l{font-size:12.5px;color:var(--muted)}
@media(max-width:640px){.strip .wrap{grid-template-columns:1fr 1fr;gap:18px}}
.toc{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:64px;z-index:15}
.toc .wrap{display:flex;align-items:center;gap:14px;padding:12px 20px;flex-wrap:wrap}
.toc-h{font-size:11.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);white-space:nowrap}
.toc-links{display:flex;gap:8px;flex-wrap:wrap}
.toc-links a{font-size:13.5px;font-weight:600;color:var(--navy);background:var(--soft);border:1px solid var(--line);padding:7px 13px;border-radius:999px;transition:.15s;white-space:nowrap}
.toc-links a:hover{background:var(--accent);color:#fff;border-color:var(--accent)}
section[id],h2[id]{scroll-margin-top:124px}
@media(max-width:820px){.toc{position:static}section[id],h2[id]{scroll-margin-top:76px}}
@media(max-width:640px){.toc .wrap{gap:10px}.toc-links{gap:7px}.toc-links a{font-size:12.5px;padding:6px 11px}}
section{padding:58px 0}
.ey{font-size:12px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--accent)}
h2.sec{font-size:28px;margin-top:10px;max-width:660px}
.lead{color:var(--muted);font-size:16px;margin-top:12px;max-width:640px}
.prose{max-width:760px;font-size:16px;color:#37474f}
.prose p{margin-top:14px}.prose h2{font-size:24px;margin-top:30px;color:var(--ink)}.prose h3{font-size:19px;margin-top:22px;color:var(--ink)}
.prose ul{margin:14px 0 14px 20px}.prose li{margin-bottom:8px}
.prose a{color:var(--accent-d);font-weight:600;text-decoration:underline}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:34px}
.svc{border:1px solid var(--line);border-radius:12px;padding:24px;background:#fff}
.svc h3{font-size:18px;margin-bottom:7px}.svc p{font-size:14px;color:var(--muted)}
.svc-ic{width:46px;height:46px;border-radius:12px;background:linear-gradient(140deg,#f3b16a,#e4623a);display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.svc-ic svg{width:24px;height:24px;stroke:#fff;fill:none;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}
.illus{border-radius:16px;overflow:hidden;box-shadow:0 20px 50px -30px rgba(0,0,0,.4);border:1px solid var(--line)}
.illus svg{width:100%;height:auto;display:block}
.fld select{text-overflow:ellipsis}
@media(max-width:760px){.grid3{grid-template-columns:1fr}}
.area{background:var(--soft)}
.towns{display:flex;flex-wrap:wrap;gap:9px;margin-top:22px}
.towns span,.towns a{background:#fff;border:1px solid var(--line);border-radius:30px;padding:8px 15px;font-size:13.5px;font-weight:600;color:var(--navy);transition:.15s}
.towns a:hover{border-color:var(--accent);color:var(--accent)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:34px}
.step .num{width:40px;height:40px;border-radius:50%;background:var(--accent);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.step h3{font-size:18px;margin-bottom:6px}.step p{font-size:14px;color:var(--muted)}
@media(max-width:760px){.steps{grid-template-columns:1fr}}
details{border:1px solid var(--line);border-radius:10px;margin-bottom:10px;background:#fff}
summary{cursor:pointer;list-style:none;padding:16px 18px;font-weight:700;font-size:16px;display:flex;justify-content:space-between;gap:12px}
summary::-webkit-details-marker{display:none}
summary .p{color:var(--accent)}details[open] summary .p{transform:rotate(45deg)}
details .a{padding:0 18px 16px;color:var(--muted);font-size:14.5px}
.breadcrumb{font-size:13px;color:var(--muted);padding:16px 0 0}
.breadcrumb a{color:var(--accent-d)}
.cardlist{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:34px}
.pcard{border:1px solid var(--line);border-radius:12px;padding:22px;background:#fff;transition:.15s}
.pcard:hover{border-color:var(--accent);box-shadow:0 16px 40px -28px rgba(0,0,0,.4)}
.pcard h3{font-size:17px;margin-bottom:8px}.pcard p{font-size:14px;color:var(--muted)}
.pcard .go{color:var(--accent-d);font-weight:700;font-size:13.5px;display:inline-block;margin-top:12px}
@media(max-width:760px){.cardlist{grid-template-columns:1fr}}
.final{background:var(--accent);color:#fff;text-align:center}
.final h2{font-size:30px;color:#fff}.final p{color:#ffe6dc;margin:12px auto 22px;max-width:460px}
.final .btn{background:#fff;color:var(--accent-d)}
footer{background:var(--navy);color:#9fb2c4;padding:40px 0 24px;font-size:13.5px}
footer .fgrid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:26px}
footer h4{color:#fff;font-size:13px;letter-spacing:.06em;text-transform:uppercase;margin-bottom:12px}
footer a{display:block;color:#9fb2c4;margin-bottom:10px;padding:3px 0;font-size:14px}
footer a:hover{color:var(--gold)}
footer b{color:#fff}
.disc{border-top:1px solid rgba(255,255,255,.12);margin-top:26px;padding-top:16px;font-size:12.5px;color:#8ba0b2;text-align:center}
@media(max-width:760px){footer .fgrid{grid-template-columns:1fr 1fr;gap:22px}}
/* decision table */
.dtable{width:100%;border-collapse:collapse;margin-top:18px}
.dtable td{padding:16px 16px 16px 0;border-bottom:1px solid var(--line);vertical-align:top;font-size:14.5px;color:#37474f}
.dtable td:first-child{font-weight:700;color:var(--navy)}
.dtable td:last-child{white-space:nowrap;width:180px}
.dtable a.go{color:var(--accent-d);font-weight:700}
.dtable a.go:hover{text-decoration:underline}
@media(max-width:700px){.dtable,.dtable tbody,.dtable tr,.dtable td{display:block;width:100%}.dtable tr{border:1px solid var(--line);border-radius:8px;padding:14px 16px;margin-bottom:12px}.dtable td{border:none;padding:3px 0}.dtable td:last-child{width:auto;padding-top:8px}}
/* calculator */
.calc{border:1px solid var(--line);border-top:3px solid var(--accent);border-radius:12px;padding:26px;max-width:840px;background:#fff}
@media(max-width:600px){.calc{padding:20px 16px}}
.calc-q{padding:16px 0;border-bottom:1px solid var(--line)}
.calc-q:first-child{padding-top:0}
.calc-lbl{font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:12px}
.calc-lbl b{color:var(--accent)}
.calc-opts{display:flex;flex-wrap:wrap;gap:9px}
.calc-opt{border:1.5px solid var(--line);background:#fff;color:var(--ink);border-radius:100px;padding:10px 16px;min-height:44px;font-size:14px;font-family:inherit;cursor:pointer;transition:.15s}
.calc-opt:hover{border-color:var(--accent);color:var(--accent)}
.calc-opt.on{background:var(--navy);color:#fff;border-color:var(--navy)}
.calc-opt.on:hover{color:#fff}
.calc-res{margin-top:24px;background:var(--navy);color:#fff;border-radius:10px;padding:26px}
.calc-res[hidden]{display:none}
.calc-res .k{font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-bottom:8px}
.calc-res .amt{font-size:30px;font-weight:800;line-height:1.15}
.calc-res .amt small{font-size:14px;font-weight:600;color:#cdd9e5}
.calc-res p{color:#d5e2ee;font-size:14px;margin:12px 0 18px;max-width:60ch}
.calc-res .btn{background:var(--gold);color:var(--navy)}
.calc-res .btn:hover{background:#fff;color:var(--navy)}
/* checklist */
.checklist{max-width:760px;margin-top:24px;counter-reset:step;list-style:none;padding:0}
.checklist li{position:relative;padding:0 0 20px 52px;counter-increment:step}
.checklist li:before{content:counter(step);position:absolute;left:0;top:0;width:34px;height:34px;border-radius:50%;background:var(--accent);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:15px}
.checklist li h3{font-size:17px;color:var(--navy);margin-bottom:4px}
.checklist li p{font-size:14.5px;color:var(--muted)}