:root{
  --blue:#1f4fb4; --blue-dark:#173d8c; --teal:#5aa9b4; --teal-soft:#e6f2f3;
  --bg:#ffffff; --bg-soft:#f4f7f8; --text:#24323a; --muted:#5a6b74; --line:#dde5e8;
  --radius:18px; --shadow:0 8px 30px rgba(20,40,60,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--text);background:var(--bg);line-height:1.6;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue)}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
h1,h2,h3{line-height:1.2;color:#15252d;margin:0 0 .5em}
h1{font-size:clamp(2rem,4.6vw,3.1rem);letter-spacing:-.02em}
h2{font-size:clamp(1.6rem,3.2vw,2.2rem);letter-spacing:-.01em}
h3{font-size:1.2rem}
p{margin:0 0 1em}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--teal);margin-bottom:.8rem}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:.55em;justify-content:center;padding:.95em 1.5em;border-radius:999px;font-weight:700;text-decoration:none;font-size:1rem;transition:transform .15s ease,background .15s ease,box-shadow .15s ease;border:2px solid transparent;white-space:nowrap}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 6px 18px rgba(31,79,180,.28)}
.btn-primary:hover{background:var(--blue-dark)}
.btn-ghost{background:#fff;color:var(--blue);border-color:var(--blue)}
.btn svg{width:1.1em;height:1.1em;flex:none}

/* Header */
header.top{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.94);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;height:72px}
header.top img{height:48px;width:auto}
header.top .actions{display:flex;gap:10px}
header.top .btn{padding:.6em 1.1em;font-size:.95rem}

/* Hero */
.hero{background:linear-gradient(180deg,var(--teal-soft) 0%,#fff 100%);padding:64px 0 56px}
.hero .wrap{display:grid;grid-template-columns:1.25fr .9fr;gap:48px;align-items:center}
.hero .lead{font-size:1.2rem;color:var(--muted);max-width:36em}
.hero .cta{display:flex;flex-wrap:wrap;gap:12px;margin:28px 0 22px}
.chips{display:flex;flex-wrap:wrap;gap:8px;padding:0;margin:0;list-style:none}
.chips li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:.35em .9em;font-size:.9rem;color:var(--text);display:flex;align-items:center;gap:.4em}
.chips li::before{content:"";width:.5em;height:.5em;border-radius:50%;background:var(--teal)}
.hero-card{background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);padding:28px;border:1px solid var(--line)}
.hero-card h2{font-size:1.25rem;margin-bottom:14px}
.hero-card dl{margin:0;display:grid;grid-template-columns:auto 1fr;gap:10px 14px;font-size:.98rem}
.hero-card dt{color:var(--muted)}
.hero-card dd{margin:0;font-weight:600}
.hero-card .small{font-size:.88rem;color:var(--muted);margin:16px 0 0}

/* Sections */
section{padding:72px 0}
section.soft{background:var(--bg-soft)}
.section-head{max-width:44em;margin-bottom:36px}
.section-head p{color:var(--muted);font-size:1.08rem}

/* Question cards */
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.qcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.qcard .icon{width:48px;height:48px;border-radius:14px;background:var(--teal-soft);display:grid;place-items:center;margin-bottom:14px}
.qcard .icon svg{width:26px;height:26px;stroke:var(--blue)}
.qcard ul{margin:0;padding:0;list-style:none}
.qcard li{padding:.45em 0 .45em 1.6em;position:relative;border-top:1px dashed var(--line)}
.qcard li:first-child{border-top:0}
.qcard li::before{content:"?";position:absolute;left:0;top:.45em;width:1.15em;height:1.15em;border-radius:50%;background:var(--blue);color:#fff;font-size:.75em;font-weight:800;display:grid;place-items:center;line-height:1}
.note{margin-top:28px;background:#fff;border-left:4px solid var(--teal);padding:16px 20px;border-radius:0 12px 12px 0;color:var(--muted)}

/* Services */
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.svc{background:#fff;border-radius:var(--radius);padding:28px;border:1px solid var(--line)}
.svc h3{display:flex;align-items:center;gap:.5em}
.svc h3 span{font-size:.75rem;background:var(--teal-soft);color:var(--blue);padding:.25em .7em;border-radius:999px;font-weight:700;letter-spacing:.02em}
.svc p{color:var(--muted);margin:0}

/* Person */
.person{display:grid;grid-template-columns:300px 1fr;gap:48px;align-items:center}
.person img{width:100%;aspect-ratio:3/4;object-fit:cover;object-position:top;border-radius:var(--radius);box-shadow:var(--shadow)}
.person .role{color:var(--teal);font-weight:700;margin-top:-.4em}
.person p{color:var(--muted)}
@media (max-width:700px){.person{grid-template-columns:1fr;gap:24px}.person img{max-width:260px}}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;counter-reset:s;padding:0;margin:0;list-style:none}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px 22px}
.steps li::before{content:counter(s);display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;margin-bottom:12px}
.steps h3{font-size:1.05rem}
.steps p{color:var(--muted);font-size:.95rem;margin:0}

/* Why */
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.why div{padding:6px 0}
.why strong{display:block;font-size:1.05rem;margin-bottom:4px}
.why span{color:var(--muted);font-size:.95rem}

/* FAQ */
.faq{max-width:780px}
details{background:#fff;border:1px solid var(--line);border-radius:14px;margin-bottom:12px;padding:0 22px}
summary{cursor:pointer;list-style:none;padding:18px 0;font-weight:700;display:flex;justify-content:space-between;gap:16px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-size:1.4rem;line-height:1;color:var(--blue);transition:transform .2s}
details[open] summary::after{transform:rotate(45deg)}
details p{color:var(--muted);margin:0 0 18px}

/* Location */
.loc{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start}
.loc .box{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.places{display:flex;flex-wrap:wrap;gap:8px;margin-top:12px}
.places span{background:var(--teal-soft);color:#1b3f59;padding:.3em .8em;border-radius:999px;font-size:.9rem}

/* CTA band */
.band{background:var(--blue);color:#fff;border-radius:24px;padding:48px 40px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.band h2{color:#fff;margin:0 0 6px}
.band p{margin:0;opacity:.9}
.band .btn-primary{background:#fff;color:var(--blue);box-shadow:none}
.band .btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.7)}

footer{padding:40px 0 110px;color:var(--muted);font-size:.92rem;border-top:1px solid var(--line);margin-top:72px}
footer .wrap{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
footer a{color:var(--muted)}

/* Mobile sticky bar */
.mbar{display:none}

@media (max-width:900px){
  .hero .wrap{grid-template-columns:1fr;gap:32px}
  .grid3{grid-template-columns:1fr}
  .grid2{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr 1fr}
  .why{grid-template-columns:1fr 1fr}
  .loc{grid-template-columns:1fr}
}
@media (max-width:600px){
  body{font-size:16px}
  header.top .actions .btn-ghost{display:none}
  header.top img{height:40px}
  .hero{padding:40px 0}
  section{padding:52px 0}
  .steps,.why{grid-template-columns:1fr}
  .band{padding:32px 24px}
  .mbar{display:grid;grid-template-columns:1fr 1fr;gap:10px;position:fixed;left:0;right:0;bottom:0;z-index:30;padding:10px 14px calc(10px + env(safe-area-inset-bottom));background:#fff;border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(0,0,0,.06)}
  .mbar .btn{padding:.8em 1em}
}

/* Articles */
.crumbs{font-size:.9rem;color:var(--muted);padding:22px 0 0}
.crumbs a{color:var(--muted)}
.article-hero{background:linear-gradient(180deg,var(--teal-soft) 0%,#fff 100%);padding:36px 0 40px}
.article-hero .lead{font-size:1.15rem;color:var(--muted);max-width:40em}
.meta{font-size:.9rem;color:var(--muted);margin-top:10px}
.article{max-width:760px;margin:0 auto;padding:8px 20px 40px}
.article h2{font-size:1.55rem;margin-top:1.8em}
.article h3{margin-top:1.4em}
.article ul{padding-left:1.2em}
.article li{margin:.35em 0}
.article .box{background:var(--bg-soft);border-left:4px solid var(--teal);border-radius:0 12px 12px 0;padding:18px 22px;margin:1.6em 0}
.article .box p:last-child{margin:0}
.article .warn{border-left-color:#c0392b;background:#fdf2f1}
.article .cta-card{background:var(--blue);color:#fff;border-radius:20px;padding:28px;margin:2.2em 0}
.article .cta-card h3{color:#fff;margin:0 0 6px}
.article .cta-card p{opacity:.92}
.article .cta-card .btns{display:flex;gap:10px;flex-wrap:wrap}
.article .cta-card .btn-primary{background:#fff;color:var(--blue);box-shadow:none}
.article .cta-card .btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.7)}
.more{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:12px}
.more a{display:block;text-decoration:none;background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;color:var(--text);font-weight:700}
.more a span{display:block;font-weight:400;color:var(--muted);font-size:.92rem;margin-top:4px}
.guides{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.guide{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;text-decoration:none;color:var(--text);box-shadow:var(--shadow);transition:transform .15s}
.guide:hover{transform:translateY(-2px)}
.guide .tag{font-size:.75rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--teal);margin-bottom:8px}
.guide h3{margin-bottom:8px}
.guide p{color:var(--muted);font-size:.96rem;flex:1}
.guide .go{color:var(--blue);font-weight:700;margin-top:8px}
.svc .more-link{display:inline-block;margin-top:10px;font-weight:700;text-decoration:none}
@media (max-width:900px){.guides{grid-template-columns:1fr}.more{grid-template-columns:1fr}}