:root{--ink:#16212c;--muted:#5a6672;--bg:#f7f5f1;--card:#fff;--brand:#1d3a57;--accent:#e0812f;--link:#1f5f99;--line:#dfe3e7;--sand:#efe6d8}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;color:var(--ink);background:var(--bg)}
img{max-width:100%;height:auto;display:block}a{color:var(--link)}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
header.top .wrap{display:flex;justify-content:space-between;align-items:center;padding:12px 20px;gap:12px;flex-wrap:wrap}
.logo{text-decoration:none;display:flex;align-items:center;gap:10px}
nav a{margin-left:16px;text-decoration:none;font-size:.95rem}
.btn{display:inline-block;border:0;padding:12px 22px;font-weight:700;font-size:1rem;text-decoration:none;cursor:pointer;min-height:44px;font-family:inherit}
.btn:hover{filter:brightness(.92)}
.hero{position:relative}.hero .bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.hero .wrap{position:relative;display:grid;gap:28px;padding:44px 20px;grid-template-columns:1fr}
@media(min-width:900px){.hero .wrap{grid-template-columns:1.1fr .9fr;padding:72px 20px}}
.ticks{list-style:none;padding:0}
section{padding:52px 0}
.grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.tile img{aspect-ratio:3/2;object-fit:cover;margin-bottom:10px;width:100%}
.steps{counter-reset:s;list-style:none;padding:0}.steps li{counter-increment:s;padding-left:48px;position:relative;margin:16px 0}
.steps li:before{content:counter(s);position:absolute;left:0;top:0;width:34px;height:34px;display:grid;place-items:center;font-weight:700}
table{width:100%;border-collapse:collapse;font-size:.95rem}th,td{padding:9px 11px;text-align:left;vertical-align:top}
.tablewrap{overflow-x:auto}.note{font-size:.88rem;color:var(--muted)}
fieldset{border:0;padding:0;margin:0}legend{font-weight:700;font-size:1.1rem;margin-bottom:10px}
.opts{display:grid;gap:10px;grid-template-columns:1fr 1fr}
.opts label{padding:12px;cursor:pointer;display:flex;gap:8px;align-items:center;min-height:48px}
.opts input:checked+span{font-weight:700}
.field{margin:10px 0}.field label{display:block;font-weight:600;font-size:.95rem}
.field label.inline{font-weight:400;display:flex;gap:8px;align-items:flex-start}
input[type=text],input[type=email],input[type=tel],input[type=number],select,textarea{width:100%;padding:11px;font:inherit;background:#fff;color:#111}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.progress{height:6px;margin-bottom:14px}.progress div{height:100%;width:20%;transition:width .2s}
.navbtns{display:flex;justify-content:space-between;margin-top:16px;gap:10px}
.err{color:#b3261e;font-size:.9rem;min-height:1.2em}
.est output{display:block;font-size:1.6rem;font-weight:800;margin:8px 0}
.prose{max-width:780px}.prose h2{margin-top:1.6em}
.crumbs{font-size:.88rem;margin-bottom:8px}
.cta-band{text-align:center}
footer{padding:36px 0;font-size:.9rem}
[hidden]{display:none!important}
@media(max-width:720px){header.top nav{order:3;width:100%;overflow-x:auto;white-space:nowrap;padding-bottom:4px}header.top nav a{margin:0 16px 0 0}.row2{grid-template-columns:1fr}}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:8px 0}.chips button{padding:8px 12px;cursor:pointer;font:inherit}

body{font:16px/1.65 -apple-system,BlinkMacSystemFont,"Segoe UI",Helvetica,Arial,sans-serif}
h1,h2,h3{font-family:"Avenir Next","Segoe UI",Helvetica,Arial,sans-serif;font-weight:800;line-height:1.12;margin:.2em 0 .5em;letter-spacing:-.02em}
h1{font-size:clamp(2rem,4.6vw,3.1rem)}h2{font-size:clamp(1.4rem,3vw,2rem)}
header.top{background:#fff;box-shadow:0 1px 0 var(--line)}
.logo{color:var(--brand);font-weight:900;letter-spacing:.08em;font-size:1rem}.logo em{font-style:normal;color:var(--accent)}
nav a{color:var(--ink);font-weight:600}nav a:hover{color:var(--accent)}
.btn{background:var(--accent);color:#fff;border-radius:8px}
.btn.ghost{background:#fff;color:var(--brand);border:2px solid var(--brand)}
.hero{background:linear-gradient(180deg,var(--sand),var(--bg))}.hero .bg{display:none}
.hero .side{border-radius:16px;aspect-ratio:16/9;object-fit:cover;width:100%;margin-top:18px;box-shadow:0 12px 30px rgba(29,58,87,.18)}
.hero .eyebrow{color:var(--accent);font-weight:800;text-transform:uppercase;letter-spacing:.14em;font-size:.8rem}
.hero p.lead{font-size:1.12rem;color:#34414d;max-width:34em}
.ticks{display:flex;flex-wrap:wrap;gap:8px}.ticks li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:4px 12px;font-size:.88rem}
.ticks li:before{content:"● ";color:var(--accent)}
.card{background:var(--card);border-radius:16px;padding:24px;border:1px solid var(--line);box-shadow:0 20px 50px rgba(29,58,87,.14)}
.alt{background:#fff}.navy{background:var(--brand);color:#e8eef4}.navy a{color:#ffc48f}.navy h2{color:#fff}
.opts label{border:1.5px solid var(--line);border-radius:10px}.opts label:has(input:checked){border-color:var(--brand);background:#eaf1f8}
input[type=text],input[type=email],input[type=tel],input[type=number],select,textarea{border:1.5px solid #cdd3d9;border-radius:10px}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
.progress{background:var(--line);border-radius:99px}.progress div{background:linear-gradient(90deg,var(--brand),var(--accent));border-radius:99px}
.stepcount{font-size:.82rem;color:var(--muted);margin:0}
.steps li:before{background:var(--brand);color:#fff;border-radius:50%}
table{background:#fff;border-radius:12px;overflow:hidden;box-shadow:0 0 0 1px var(--line)}th,td{border-bottom:1px solid var(--line)}th{background:var(--brand);color:#fff}
.est output{color:var(--brand)}
.chips button{background:#fff;border:1.5px solid var(--line);border-radius:99px}.chips button[aria-pressed=true]{background:var(--brand);color:#fff;border-color:var(--brand)}
.tile{background:#fff;border-radius:16px;overflow:hidden;box-shadow:0 0 0 1px var(--line)}.tile h3,.tile p{padding:0 18px}.tile p{padding-bottom:16px}
.disclose{background:#fff4e9;border-left:4px solid var(--accent);border-radius:8px;padding:14px;font-size:.92rem}
footer{background:#0f2234;color:#b9c6d3}footer a{color:#ffc48f}
.areas a{display:block;padding:18px;border-radius:14px;background:#fff;box-shadow:0 0 0 1px var(--line);text-decoration:none;color:var(--ink)}
.areas a:hover{box-shadow:0 0 0 2px var(--accent)}.areas span{display:block;color:var(--muted);font-size:.86rem}
.banner{position:relative;color:#fff;background:var(--brand)}.banner img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.3}.banner .wrap{position:relative;padding:56px 20px}