:root{
  --navy:#0F3D5E; --water:#17698C; --water-soft:#E3F1F7;
  --go:#167A41; --go-dark:#0F5C30;
  --bg:#F5F8FA; --paper:#FFFFFF; --ink:#1B2733; --muted:#566676; --line:#DCE5EC;
  --radius:14px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;font-size:17px;line-height:1.6;color:var(--ink);background:var(--bg);overflow-x:hidden}
img{max-width:100%;display:block}
a{color:var(--water)}
h1,h2,h3{line-height:1.2;margin:0 0 .5em;color:var(--navy)}
h1{font-size:clamp(28px,6.5vw,42px)}
h2{font-size:clamp(22px,5vw,28px)}
h3{font-size:18px}
p{margin:0 0 1em}
:focus-visible{outline:3px solid #F2A541;outline-offset:2px;border-radius:4px}
.w{max-width:1080px;margin:0 auto;padding:0 16px}
.center{text-align:center}
.skip{position:absolute;left:-9999px}
.skip:focus{left:12px;top:12px;z-index:99;background:#fff;padding:8px 12px}

/* Header */
.top{background:var(--paper);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:40}
.topbar{display:flex;align-items:center;justify-content:space-between;gap:12px;padding-top:10px;padding-bottom:10px}
.brand{font-weight:800;font-size:18px;color:var(--navy);text-decoration:none}
.nav{display:flex;gap:6px;overflow-x:auto;padding-bottom:10px;scrollbar-width:none}
.nav::-webkit-scrollbar{display:none}
.nav a{flex:none;font-size:14px;font-weight:600;color:var(--ink);text-decoration:none;padding:6px 12px;border-radius:99px;background:var(--bg);border:1px solid var(--line)}
.nav a[aria-current="page"]{background:var(--water-soft);border-color:var(--water);color:var(--navy)}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:15px 22px;border:0;border-radius:12px;background:var(--go);color:#fff;font-family:inherit;font-weight:700;font-size:17px;line-height:1.1;text-decoration:none;cursor:pointer;box-shadow:0 3px 0 var(--go-dark)}
.btn:active{transform:translateY(2px);box-shadow:0 1px 0 var(--go-dark)}
.btn[disabled]{opacity:.6;cursor:wait}
.btn.ghost{background:var(--paper);color:var(--navy);border:1px solid var(--line);box-shadow:none}
.btn-sm{padding:9px 14px;font-size:15px}

/* Hero */
.hero{background:linear-gradient(180deg,var(--water-soft),var(--bg));padding:28px 0 36px}
.hero-grid{display:grid;gap:24px;align-items:start}
.crumb{font-size:14px;color:var(--muted);margin-bottom:10px}
.crumb a{color:var(--muted)}
.lead{font-size:18px;color:var(--muted)}
.badges{list-style:none;padding:0;margin:16px 0 0;display:grid;gap:8px}
.badges li{position:relative;padding-left:30px;font-weight:600}
.badges li::before{content:"✓";position:absolute;left:0;top:0;width:22px;height:22px;border-radius:50%;background:var(--go);color:#fff;font-size:13px;line-height:22px;text-align:center}

/* Quote form */
.qform{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:20px 18px;box-shadow:0 14px 34px rgba(15,61,94,.12);scroll-margin-top:110px}
.qtitle{font-size:22px;margin-bottom:4px}
.qsub{color:var(--muted);font-size:15px}
.qprog{display:none;font-size:13px;color:var(--muted);margin:0 0 12px}
.qprog i{display:block;height:6px;border-radius:9px;background:var(--line);margin-top:6px;overflow:hidden}
.qprog em{display:block;height:100%;width:0;background:var(--water);transition:width .25s}
.js .qprog{display:block}
.qstep{border:0;padding:0;margin:0 0 14px;min-width:0}
.js .qstep{display:none}
.js .qstep.on{display:block}
.qstep legend{font-weight:800;color:var(--navy);font-size:18px;margin-bottom:10px;padding:0}
.opts{display:grid;gap:8px}
.opt{display:block;cursor:pointer}
.opt input{position:absolute;opacity:0}
.opt span{display:block;padding:13px 14px;border:2px solid var(--line);border-radius:12px;font-weight:600;background:var(--bg)}
.opt input:checked+span{border-color:var(--water);background:var(--water-soft)}
.opt input:focus-visible+span{outline:3px solid #F2A541;outline-offset:2px}
.qform label{display:block;font-weight:600;font-size:15px;margin-bottom:10px}
.qform input:not([type=radio]):not([type=checkbox]),.qform textarea{display:block;width:100%;margin-top:4px;padding:12px;border:1px solid #B9C7D3;border-radius:10px;font:inherit;font-size:16px;background:#fff}
.row2{display:grid;grid-template-columns:1fr 1.4fr;gap:10px}
.consent{display:flex!important;gap:10px;align-items:flex-start;font-weight:400!important;font-size:14px!important}
.consent input{width:20px;height:20px;flex:none;margin-top:2px}
.fine{font-size:13px;color:var(--muted);margin:6px 0 0}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.qnav{display:flex;gap:10px;margin-top:6px}
.qnav .btn{flex:1}
.qnav .btn[hidden]{display:none}
.qerr{background:#FDECEC;color:#9B1C1C;border-radius:10px;padding:10px 12px;font-size:15px}

/* Content */
.content{padding-top:12px;padding-bottom:40px;max-width:780px}
.blk{margin:34px 0}
.check,.steps{padding:0;margin:0;list-style:none;display:grid;gap:10px}
.check li{position:relative;padding-left:30px}
.check li::before{content:"✓";position:absolute;left:4px;color:var(--go);font-weight:800}
.steps{counter-reset:s}
.steps li{counter-increment:s;position:relative;padding:12px 14px 12px 56px;background:var(--paper);border:1px solid var(--line);border-radius:var(--radius)}
.steps li::before{content:counter(s);position:absolute;left:14px;top:12px;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;text-align:center;line-height:30px}
.tbl{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:var(--paper)}
table{border-collapse:collapse;width:100%;font-size:15px}
th,td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--water-soft);color:var(--navy)}
tr:last-child td{border-bottom:0}
.note{font-size:14px;color:var(--muted);margin-top:8px}
.faq{display:grid;gap:8px}
.faq details{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:0 16px}
.faq summary{cursor:pointer;font-weight:700;padding:14px 0;list-style:none;position:relative;padding-right:26px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:10px;font-size:22px;color:var(--water)}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--muted)}
.cards{display:grid;gap:12px}
.card{display:block;background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:16px;color:inherit;text-decoration:none}
a.card:hover{border-color:var(--water)}
.card p{color:var(--muted);font-size:15px;margin:0}
.linkgrid{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:1fr 1fr;gap:8px}
.linkgrid a{display:block;padding:10px 12px;background:var(--paper);border:1px solid var(--line);border-radius:10px;font-weight:600;text-decoration:none}
.callout{background:#FFF7E6;border-left:4px solid #F2A541;border-radius:10px;padding:14px 16px;margin:30px 0}
.callout h2{font-size:19px}
.callout p{margin:0}
.cta-box{background:var(--navy);color:#fff;border-radius:18px;padding:26px 20px;text-align:center;margin:40px 0}
.cta-box h2{color:#fff}
.cta-box p{color:#CFE0EC}

/* Footer */
.foot{background:#0B2D45;color:#B8CBD9;font-size:14px;padding:30px 0 100px}
.foot .brand{color:#fff;margin-bottom:8px}
.foot a{color:#E3EEF5}
.foot nav{display:flex;flex-wrap:wrap;gap:6px 16px;margin:12px 0}
.foot-towns a{font-size:13px}
.copy{margin-top:12px}

/* Sticky mobile CTA */
.sticky{position:fixed;left:0;right:0;bottom:0;z-index:50;display:flex;gap:10px;padding:10px 14px calc(10px + env(safe-area-inset-bottom,0px));background:rgba(255,255,255,.97);border-top:1px solid var(--line);transform:translateY(110%);transition:transform .2s}
.sticky.show{transform:none}
.sticky .btn{flex:1}

@media (min-width:900px){
  .hero{padding:44px 0 54px}
  .hero-grid{grid-template-columns:1.15fr .85fr;gap:40px}
  .cards{grid-template-columns:1fr 1fr}
  .linkgrid{grid-template-columns:repeat(3,1fr)}
  .nav{padding-bottom:12px}
  .sticky{display:none}
  .foot{padding-bottom:40px}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

/* Sources, update date, figures, footer guides */
.sources{margin:34px 0 0;padding-top:16px;border-top:1px solid var(--line)}
.sources h2{font-size:18px}
.sources ul{margin:0;padding-left:18px;font-size:14px;color:var(--muted)}
.updated{font-size:14px;color:var(--muted);margin-top:14px}
.fig{margin:34px 0}
.fig img{display:block;margin:0 auto;width:100%;max-width:420px;height:auto;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
.fig figcaption{font-size:14px;color:var(--muted);margin-top:8px}
@media (max-width:420px){.topbar .brand{font-size:15px}.btn-sm{padding:8px 10px;font-size:14px}}

/* Footer site map: labelled columns */
.btn-sm{white-space:nowrap}
.foot-cols{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px 18px;margin:22px 0 6px}
.foot-cols ul{list-style:none;margin:0;padding:0;display:grid;gap:7px}
.foot-cols a{color:#D5E3EE;text-decoration:none;font-size:14px;line-height:1.35}
.foot-cols a:hover{color:#fff;text-decoration:underline}
.foot-h{color:#fff;font-weight:700;font-size:13px;letter-spacing:.06em;text-transform:uppercase;margin:0 0 10px}
.copy{border-top:1px solid rgba(255,255,255,.12);padding-top:14px}
@media (min-width:900px){.foot-cols{grid-template-columns:repeat(5,minmax(0,1fr))}}