:root{--navy:#0B3D5C;--navy-dark:#072A40;--navy-mid:#145078;--green:#2E8B57;--green-dark:#246B44;--green-light:#E8F5EE;--accent:#E8A317;--bg:#F5F7FA;--white:#fff;--text:#1A2332;--muted:#5A6A7A;--border:#D8E0E8;--danger:#B33A3A;--radius:12px;--shadow:0 4px 24px rgba(11,61,92,.1);--shadow-sm:0 2px 8px rgba(11,61,92,.08);--max:1100px;--header-h:68px;--font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--font);color:var(--text);background:var(--bg);line-height:1.55;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img,svg{display:block;max-width:100%}
a{color:var(--navy-mid);text-decoration:none}
a:hover{text-decoration:underline}
ul,ol{list-style:none}
button,input,select,textarea{font:inherit}
.container{width:min(100% - 2rem,var(--max));margin-inline:auto}
.skip-link{position:absolute;left:-9999px;top:0;z-index:9999;background:var(--navy);color:#fff;padding:.75rem 1rem}
.skip-link:focus{left:1rem;top:1rem}
.site-header{position:sticky;top:0;z-index:100;background:var(--white);border-bottom:1px solid var(--border);box-shadow:var(--shadow-sm);height:var(--header-h)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:var(--header-h);gap:1rem}
.logo-link{display:flex;align-items:center;flex-shrink:1;min-width:0}
.logo-link img{height:36px;width:auto;max-width:160px}
@media(min-width:480px){.logo-link img{height:40px;max-width:200px}}
.btn-call{display:inline-flex;align-items:center;gap:.4rem;background:var(--green);color:#fff;font-weight:700;padding:.65rem .9rem;border-radius:999px;text-decoration:none;white-space:nowrap;min-height:44px;transition:background .15s;flex-shrink:0;font-size:.92rem}
@media(min-width:480px){.btn-call{padding:.7rem 1.15rem;min-height:48px;font-size:1rem;gap:.5rem}}
.btn-call:hover{background:var(--green-dark);text-decoration:none;color:#fff}
.btn-call svg{width:18px;height:18px;flex-shrink:0}
.btn-call-label{display:none}
@media(min-width:520px){.btn-call-label{display:inline}}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.4rem;font-weight:800;border:none;cursor:pointer;border-radius:10px;padding:.95rem 1.4rem;min-height:54px;transition:background .15s,transform .1s;text-decoration:none;text-align:center;letter-spacing:.01em}
.btn:active{transform:scale(.98)}
.btn-primary{background:var(--green);color:#fff;width:100%;font-size:1.08rem}
.btn-primary:hover{background:var(--green-dark);text-decoration:none;color:#fff}
.btn-primary.btn-inline{width:auto;padding-inline:1.75rem;display:inline-flex}
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-mid) 100%);color:#fff;padding:2.25rem 0 2.75rem}
.hero-grid{display:grid;gap:2rem}
@media(min-width:900px){.hero-grid{grid-template-columns:1.1fr .9fr;align-items:start;gap:2.75rem}}
.hero-badge{display:inline-block;background:rgba(232,163,23,.2);border:1px solid rgba(232,163,23,.55);border-radius:999px;padding:.35rem .85rem;font-size:.82rem;font-weight:700;margin-bottom:.85rem;letter-spacing:.04em;text-transform:uppercase;color:#F5D78A}
.hero h1{font-size:clamp(1.85rem,5vw,2.85rem);line-height:1.12;font-weight:900;margin-bottom:.85rem;letter-spacing:-.02em}
.hero-sub{font-size:1.08rem;opacity:.95;margin-bottom:1.25rem;max-width:38ch;font-weight:500;line-height:1.45}
.situation-strip{display:flex;flex-wrap:wrap;gap:.45rem;margin-bottom:1.35rem}
.sit-chip{display:inline-flex;align-items:center;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.22);border-radius:999px;padding:.4rem .75rem;font-size:.82rem;font-weight:700;white-space:nowrap}
.sit-chip::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--accent);margin-right:.45rem;flex-shrink:0}
.hero-points{display:grid;gap:.5rem}
.hero-points li{display:flex;align-items:flex-start;gap:.55rem;font-size:.98rem;font-weight:600}
.hero-points li svg{flex-shrink:0;width:22px;height:22px;margin-top:1px}
.form-card{background:var(--white);color:var(--text);border-radius:var(--radius);padding:1.5rem;box-shadow:var(--shadow)}
.form-card h2{font-size:1.3rem;font-weight:900;color:var(--navy);margin-bottom:.2rem}
.form-card .form-lede{font-size:.9rem;color:var(--muted);margin-bottom:1.1rem;font-weight:500}
.form-group{margin-bottom:.85rem}
.form-group label{display:block;font-size:.85rem;font-weight:700;margin-bottom:.3rem;color:var(--navy-dark)}
.form-group label .req{color:var(--danger)}
.form-group input,.form-group select,.form-group textarea{width:100%;padding:.75rem .9rem;min-height:48px;border:1.5px solid var(--border);border-radius:8px;background:#fff;color:var(--text);transition:border-color .15s,box-shadow .15s}
.form-group textarea{min-height:100px;resize:vertical}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:none;border-color:var(--navy-mid);box-shadow:0 0 0 3px rgba(20,80,120,.18)}
.form-row{display:grid;gap:.85rem}
@media(min-width:520px){.form-row{grid-template-columns:1fr 1fr}}
.consent{display:flex;gap:.65rem;align-items:flex-start;margin:1rem 0 1.1rem;font-size:.76rem;color:var(--muted);line-height:1.45}
.consent input{margin-top:.2rem;width:18px;height:18px;flex-shrink:0;accent-color:var(--green)}
.honeypot{position:absolute;left:-9999px;opacity:0;height:0;overflow:hidden}
.form-status{display:none;margin-top:1rem;padding:.9rem 1rem;border-radius:8px;font-size:.95rem;font-weight:600}
.form-status.success{display:block;background:var(--green-light);color:var(--green-dark);border:1px solid #b8e0c8}
.form-status.error{display:block;background:#fdeaea;color:var(--danger);border:1px solid #f0c0c0}
.trust-bar{background:var(--white);border-bottom:1px solid var(--border);padding:1.15rem 0}
.trust-list{display:grid;grid-template-columns:1fr 1fr;gap:.75rem}
@media(min-width:700px){.trust-list{grid-template-columns:repeat(4,1fr);gap:1rem}}
.trust-item{display:flex;align-items:center;gap:.5rem;font-weight:800;font-size:.9rem;color:var(--navy)}
.trust-item svg{width:22px;height:22px;flex-shrink:0;color:var(--green)}
section{padding:3rem 0}
.section-title{font-size:clamp(1.45rem,3.5vw,2rem);font-weight:900;color:var(--navy);text-align:center;margin-bottom:.4rem;letter-spacing:-.01em}
.section-lede{text-align:center;color:var(--muted);max-width:48ch;margin:0 auto 1.85rem;font-size:1.02rem;font-weight:500}
.how{background:var(--bg)}
.steps{display:grid;gap:1.15rem}
@media(min-width:768px){.steps{grid-template-columns:repeat(3,1fr);gap:1.35rem}}
.step{background:var(--white);border-radius:var(--radius);padding:1.4rem;box-shadow:var(--shadow-sm);border:1px solid var(--border);text-align:center}
.step-num{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:50%;background:var(--green);color:#fff;font-weight:900;font-size:1.15rem;margin-bottom:.8rem}
.step h3{font-size:1.08rem;color:var(--navy);margin-bottom:.4rem;font-weight:800}
.step p{font-size:.94rem;color:var(--muted)}
.situations{background:var(--white)}
.situation-grid{display:grid;grid-template-columns:1fr 1fr;gap:.75rem}
@media(min-width:700px){.situation-grid{grid-template-columns:repeat(4,1fr);gap:.9rem}}
.situation-card{background:var(--bg);border:1px solid var(--border);border-radius:var(--radius);padding:1.1rem .9rem;text-align:center;font-weight:700;color:var(--navy);font-size:.92rem}
.situation-card a{color:inherit;text-decoration:none;display:block}
.situation-card a:hover{color:var(--green)}
.situation-card svg{width:28px;height:28px;margin:0 auto .5rem;color:var(--green)}
.compare{background:var(--bg)}
.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border-radius:var(--radius);border:1px solid var(--border);background:var(--white);box-shadow:var(--shadow-sm);max-width:100%}
table{width:100%;border-collapse:collapse;min-width:520px;font-size:.94rem}
th,td{padding:.9rem 1.05rem;text-align:left;border-bottom:1px solid var(--border)}
th{background:var(--navy);color:#fff;font-weight:800}
tr:last-child td{border-bottom:none}
td:first-child{font-weight:700;color:var(--navy);width:28%}
.col-cash{background:var(--green-light)}
th.col-cash{background:var(--green)}
.table-note{font-size:.84rem;color:var(--muted);margin-top:.8rem;text-align:center}
.faq{background:var(--white)}
.faq-list{max-width:720px;margin:0 auto;display:grid;gap:.6rem}
details{background:var(--bg);border:1px solid var(--border);border-radius:10px;overflow:hidden}
summary{cursor:pointer;font-weight:800;color:var(--navy);padding:1rem 1.15rem;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:1rem;min-height:52px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-size:1.4rem;font-weight:400;color:var(--green);flex-shrink:0;line-height:1}
details[open] summary::after{content:"−"}
details p{padding:0 1.15rem 1.1rem;color:var(--muted);font-size:.95rem}
.cta-band{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-mid) 100%);color:#fff;text-align:center;padding:3.25rem 0}
.cta-band h2{font-size:clamp(1.45rem,3.5vw,2.1rem);font-weight:900;margin-bottom:.55rem;letter-spacing:-.01em}
.cta-band p{opacity:.92;margin-bottom:1.4rem;max-width:40ch;margin-inline:auto;font-weight:500}
.cta-band .btn-primary{width:auto;padding-inline:2rem;background:var(--green);display:inline-flex}
.cta-band .btn-primary:hover{background:var(--green-dark)}
.site-footer{background:var(--navy-dark);color:rgba(255,255,255,.72);padding:2.75rem 0 1.75rem;font-size:.82rem}
.footer-grid{display:grid;gap:1.75rem;margin-bottom:2rem}
@media(min-width:600px){.footer-grid{grid-template-columns:1.2fr 1fr 1fr;gap:1.5rem}}
@media(min-width:900px){.footer-grid{grid-template-columns:1.4fr 1fr 1fr 1fr 1fr}}
.footer-brand{font-weight:900;color:#fff;font-size:1.05rem;margin-bottom:.25rem}
.footer-tag{font-size:.8rem;color:rgba(255,255,255,.5);margin-bottom:.55rem;font-weight:600}
.footer-contact a{color:rgba(255,255,255,.85);font-weight:700}
.footer-col h3{color:rgba(255,255,255,.45);font-size:.7rem;font-weight:800;text-transform:uppercase;letter-spacing:.06em;margin-bottom:.7rem}
.footer-col ul{display:grid;gap:.4rem}
.footer-col a{color:rgba(255,255,255,.62);font-size:.8rem;line-height:1.35}
.footer-col a:hover{color:#fff}
.footer-bottom{padding-top:1.4rem;border-top:1px solid rgba(255,255,255,.1)}
.footer-legal{display:flex;flex-wrap:wrap;gap:1rem;margin-bottom:.9rem}
.footer-legal a{color:rgba(255,255,255,.55);font-size:.78rem}
.footer-legal a:hover{color:#fff}
.disclaimer{font-size:.74rem;line-height:1.5;color:rgba(255,255,255,.45);max-width:75ch}
.copyright{margin-top:.9rem;font-size:.74rem;color:rgba(255,255,255,.35)}
/* Inner pages */
.page-hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-mid) 100%);color:#fff;padding:2rem 0 2.25rem}
.page-hero .breadcrumb{font-size:.8rem;opacity:.75;margin-bottom:.85rem}
.page-hero .breadcrumb a{color:rgba(255,255,255,.85)}
.page-hero .breadcrumb span{opacity:.6;margin:0 .35rem}
.page-hero h1{font-size:clamp(1.55rem,4vw,2.35rem);font-weight:900;line-height:1.15;letter-spacing:-.02em;margin-bottom:.75rem}
.page-hero .lead{font-size:1.05rem;opacity:.92;max-width:58ch;font-weight:500}
.aeo-box{background:var(--green-light);border-left:4px solid var(--green);border-radius:0 var(--radius) var(--radius) 0;padding:1.1rem 1.25rem;margin:1.5rem 0;font-size:.98rem;color:var(--navy-dark);line-height:1.5;font-weight:500}
.aeo-box strong{display:block;font-size:.75rem;text-transform:uppercase;letter-spacing:.05em;color:var(--green-dark);margin-bottom:.35rem}
.content-wrap{display:grid;gap:2rem;padding:2.5rem 0 3rem}
@media(min-width:900px){.content-wrap{grid-template-columns:1fr 340px;align-items:start}}
.prose{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:1.75rem 1.5rem;box-shadow:var(--shadow-sm)}
@media(min-width:600px){.prose{padding:2rem 2.25rem}}
.prose h2{font-size:1.35rem;font-weight:900;color:var(--navy);margin:1.75rem 0 .7rem;letter-spacing:-.01em}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:1.08rem;font-weight:800;color:var(--navy);margin:1.25rem 0 .5rem}
.prose p{margin-bottom:1rem;color:var(--text);font-size:1.02rem}
.prose ul,.prose ol{margin:0 0 1.1rem 1.2rem;list-style:disc}
.prose ol{list-style:decimal}
.prose li{margin-bottom:.4rem;color:var(--text)}
.prose a{font-weight:600}
.related{margin-top:1.75rem;padding-top:1.35rem;border-top:1px solid var(--border)}
.related h3{font-size:.95rem;font-weight:800;color:var(--navy);margin-bottom:.65rem}
.related ul{list-style:none;margin:0;display:grid;gap:.4rem}
.related a{font-weight:600;font-size:.95rem}
.sidebar-sticky{position:sticky;top:calc(var(--header-h) + 1rem)}
.mini-cta{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:1.35rem;box-shadow:var(--shadow-sm);margin-bottom:1rem}
.mini-cta h2{font-size:1.15rem;font-weight:900;color:var(--navy);margin-bottom:.35rem}
.mini-cta p{font-size:.9rem;color:var(--muted);margin-bottom:1rem}
.state-grid{display:grid;grid-template-columns:1fr 1fr;gap:.65rem}
@media(min-width:600px){.state-grid{grid-template-columns:repeat(3,1fr)}}
@media(min-width:900px){.state-grid{grid-template-columns:repeat(5,1fr)}}
.state-card{background:var(--white);border:1px solid var(--border);border-radius:10px;padding:1rem;text-align:center;font-weight:700;color:var(--navy);box-shadow:var(--shadow-sm)}
.state-card:hover{border-color:var(--green);color:var(--green-dark);text-decoration:none}
.guide-list{display:grid;gap:.85rem}
.guide-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:1.25rem 1.35rem;box-shadow:var(--shadow-sm)}
.guide-card h3{font-size:1.05rem;margin-bottom:.35rem}
.guide-card h3 a{color:var(--navy);font-weight:800}
.guide-card p{font-size:.92rem;color:var(--muted);margin:0}
.error-page{text-align:center;padding:4rem 0;background:var(--white)}
.error-page h1{font-size:clamp(2rem,5vw,3rem);color:var(--navy);font-weight:900;margin-bottom:.75rem}
.error-page p{color:var(--muted);margin-bottom:1.5rem;max-width:40ch;margin-inline:auto}