:root{--char:#1f2328;--slate:#2f3640;--ink:#2b323b;--amber:#d9962b;--amber-d:#8f5f0a;--ember:#c4391a;--ember-d:#a52f15;--bg:#f5f5f3;--line:#dfe1e4;--mute:#5b6470;--w:#fff;--mark:#2b323b;--mark-in:#fff;--r:10px;--fh:Manrope,Inter,system-ui,sans-serif;--fb:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:90px}
body{margin:0;font:400 17px/1.65 var(--fb);color:var(--ink);background:var(--w);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}a{color:var(--ember-d)}a:hover{color:var(--char)}
h1,h2,h3{font-family:var(--fh);color:var(--char);line-height:1.18;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.2vw,3.1rem);font-weight:800}h2{font-size:clamp(1.55rem,2.6vw,2.1rem);font-weight:800}h3{font-size:1.15rem;font-weight:700}
p{margin:0 0 1em}.wrap{width:min(1200px,92%);margin:0 auto}.narrow{width:min(820px,92%)}.center{text-align:center}
:focus-visible{outline:3px solid var(--amber);outline-offset:2px}
.skip{position:absolute;left:-999px;top:0;background:var(--char);color:#fff;padding:.7rem 1rem;z-index:100}.skip:focus{left:0}
.ic{width:24px;height:24px;flex:none;color:var(--ink)}.ic-l{width:44px;height:44px}.ic-s{width:16px;height:16px}
/* buttons */
.btn{display:inline-flex;align-items:center;gap:.6rem;font:700 1rem var(--fh);padding:.85rem 1.4rem;border-radius:8px;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:background .15s,color .15s,border-color .15s;line-height:1.2}
.btn .ic{color:currentColor;width:20px;height:20px}
.btn-call{background:var(--ember);color:#fff}.btn-call:hover{background:var(--ember-d);color:#fff}
.btn-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}.btn-light:hover{background:#fff;color:var(--char)}
.btn-dark{background:var(--char);color:#fff}.btn-dark:hover{background:var(--slate);color:#fff}
.btn-sm{padding:.6rem 1rem;font-size:.95rem}.btn-lg{padding:1rem 1.6rem;font-size:1.08rem}.btn-block{width:100%;justify-content:center}
.btn-row{display:flex;flex-wrap:wrap;gap:.8rem;margin:1.2rem 0 0}.btn-row.center{justify-content:center}
.sec:not(.sec-dark) .btn-light,.side-box .btn-light,.callout .btn-light{color:var(--char);border-color:var(--char)}.sec:not(.sec-dark) .btn-light:hover,.side-box .btn-light:hover{background:var(--char);color:#fff}
/* header */
.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.hdr{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:76px}
.logo{display:flex;align-items:center;gap:.7rem;text-decoration:none;color:var(--ink)}.logo-mark{width:44px;height:46px;flex:none}
.logo-text{display:flex;flex-direction:column;line-height:1}.logo-text b{font:800 1.3rem var(--fh);color:var(--ink);letter-spacing:-.01em}.logo-text i{font:700 .66rem var(--fh);letter-spacing:.33em;color:#a56d0e;font-style:normal;margin-top:.3rem}
.logo-dark{--mark:#fff;--mark-in:#1f2328}.logo-dark .logo-text b{color:#fff}.logo-dark .logo-text i{color:var(--amber)}
.nav ul{list-style:none;margin:0;padding:0;display:flex;gap:.2rem;align-items:center}.nav a{display:block;padding:.6rem .8rem;color:var(--ink);font:600 .95rem var(--fh);text-decoration:none;border-radius:6px}.nav a:hover{background:var(--bg)}
.has-sub{position:relative}.sub-toggle{display:none}
.sub{display:none!important;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);border-radius:10px;padding:.5rem;min-width:290px;box-shadow:0 14px 40px rgba(20,25,30,.14);flex-direction:column;align-items:stretch!important;gap:0!important}
.has-sub:hover .sub,.has-sub:focus-within .sub{display:flex!important}.sub a{padding:.5rem .8rem;font-weight:500}
.hdr-cta{display:flex;align-items:center;gap:.6rem}.menu-btn{display:none;width:44px;height:44px;border:1px solid var(--line);border-radius:8px;background:#fff;cursor:pointer;padding:10px;flex-direction:column;justify-content:space-between}.menu-btn span{display:block;height:2px;background:var(--char);border-radius:2px}
/* hero */
.hero{display:grid;grid-template-columns:minmax(0,1.02fr) minmax(0,1fr);background:var(--char);color:#e9ecef;min-height:560px}
.hero-t{padding:4.5rem 3rem 4rem max(4vw,calc((100vw - 1200px)/2));max-width:760px;align-self:center}.hero h1{color:#fff}
.hero-sub{font:700 1.2rem var(--fh);color:var(--amber);margin-bottom:.9rem}.hero p{color:#d3d8de}
.hero .btn-row{margin-top:1.6rem}.hero-note{font-size:.92rem;margin-top:1rem;color:#aab2bb!important}.hero-note strong{color:#fff}
.hero-i{position:relative;min-height:320px}.hero-i img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
/* page heads */
.phead{background:var(--char);color:#d3d8de}.phead-in{display:grid;grid-template-columns:1.05fr 1fr;gap:3rem;align-items:center;padding:3rem 0}
.phead h1{color:#fff;font-size:clamp(1.9rem,3.6vw,2.7rem)}.phead .lead{font-size:1.12rem;color:#d3d8de}.phead-i img{border-radius:12px;aspect-ratio:16/10;object-fit:cover;width:100%}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:.4rem;padding:0;margin:0 0 1rem;font-size:.88rem}.crumbs li+li::before{content:"/";margin-right:.4rem;opacity:.5}.crumbs a{color:#c3cad2}.crumbs a:hover{color:#fff}.crumbs [aria-current]{color:#fff}
.art-head{background:var(--bg);padding:2.4rem 0 7rem;margin-bottom:-5.5rem}.art-head .crumbs ol{color:var(--mute)}.art-head .crumbs a{color:var(--mute)}.art-head .crumbs [aria-current]{color:var(--char)}.art-head time{color:var(--mute);font-size:.9rem}.art-head .lead{font-size:1.15rem;color:var(--mute);margin-bottom:0}
.art-img{position:relative}.art-img img{border-radius:12px;aspect-ratio:16/9;object-fit:cover;width:100%;box-shadow:0 12px 40px rgba(20,25,30,.18)}
.legal{padding-bottom:5rem}
/* sections */
.sec{padding:5rem 0}.sec-alt{background:var(--bg)}.sec-dark{background:var(--char);color:#d3d8de}.sec-dark h2,.sec-dark h3{color:#fff}
.sec-h{max-width:720px;margin-bottom:2.4rem}.sec-h p{color:var(--mute);font-size:1.08rem}.sec-dark .sec-h p{color:#b6bec7}
.trust{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem 2.5rem}.trust-i{display:flex;gap:1rem;align-items:flex-start}.trust-i h3{margin-bottom:.25rem;font-size:1.05rem}.trust-i p{margin:0;color:var(--mute);font-size:.96rem;line-height:1.5}
.grid{display:grid;gap:1.6rem}.g3{grid-template-columns:repeat(3,1fr)}
.card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden;text-decoration:none;color:var(--ink);transition:border-color .15s,box-shadow .15s}
.card:hover{border-color:#b9bec5;box-shadow:0 10px 30px rgba(20,25,30,.09);color:var(--ink)}.card-i img{aspect-ratio:16/10;object-fit:cover;width:100%}
.card-b{padding:1.2rem 1.3rem 1.4rem;display:flex;flex-direction:column;flex:1}.card-b h3{margin-bottom:.4rem}.card-b p{color:var(--mute);font-size:.96rem;line-height:1.55;margin-bottom:1rem}.card-b time{font-size:.85rem;color:var(--mute);margin-bottom:.3rem}
.more{margin-top:auto;display:inline-flex;align-items:center;gap:.4rem;font:700 .93rem var(--fh);color:var(--ember-d)}.more .ic{color:currentColor}
.split{display:grid;grid-template-columns:1fr 1fr;gap:3.5rem;align-items:center}.split-i img{border-radius:12px;aspect-ratio:4/3;object-fit:cover;width:100%}.split-i.inline{margin:1.5rem 0}
.split-form{align-items:start}
.ticks{list-style:none;padding:0;margin:0 0 1.2rem}.ticks li{position:relative;padding-left:2rem;margin-bottom:.55rem}.ticks li::before{content:"";position:absolute;left:0;top:.35em;width:1.1rem;height:1.1rem;background:var(--amber);border-radius:50%;}
.ticks li::after{content:"";position:absolute;left:.33rem;top:.62em;width:.45rem;height:.25rem;border-left:2px solid var(--char);border-bottom:2px solid var(--char);transform:rotate(-45deg)}
.ticks.warn li::before{background:var(--ember)}.ticks.warn li::after{border-color:#fff}
.fine{font-size:.88rem;color:var(--mute)}
.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:1.4rem}.step-i img{border-radius:10px 10px 0 0;aspect-ratio:4/3;object-fit:cover;width:100%}
.steps li{background:var(--slate);border-radius:12px;overflow:hidden}.step-b{padding:1.3rem 1.3rem 1.6rem}.step-b h3{font-size:1.05rem}.step-b p{margin:0;font-size:.94rem;color:#b6bec7;line-height:1.55}
.n{display:inline-grid;place-items:center;width:2rem;height:2rem;border-radius:50%;background:var(--amber);color:var(--char);font:800 .95rem var(--fh);margin-bottom:.7rem}
.areas{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}.area{position:relative;display:block;border-radius:12px;overflow:hidden;text-decoration:none;color:#fff}.area img{aspect-ratio:4/3;object-fit:cover;width:100%;transition:transform .4s}.area:hover img{transform:scale(1.04)}
.area span{position:absolute;left:0;right:0;bottom:0;display:flex;gap:.4rem;align-items:center;padding:2rem .9rem .8rem;font:700 .98rem var(--fh);background:linear-gradient(transparent,rgba(15,18,22,.85))}.area .ic{color:var(--amber);width:18px;height:18px}.area>div{overflow:hidden}
.area-card img{border-radius:12px;aspect-ratio:16/10;object-fit:cover;width:100%;margin-bottom:.9rem}.area-card p{color:var(--mute);font-size:.96rem}
/* faq */
.faq details{border:1px solid var(--line);border-radius:10px;margin-bottom:.7rem;background:#fff}.faq summary{cursor:pointer;list-style:none;padding:1.05rem 3rem 1.05rem 1.2rem;font:700 1.03rem var(--fh);color:var(--char);position:relative}.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:1.2rem;top:50%;transform:translateY(-50%);font-size:1.5rem;color:var(--amber-d);font-weight:500}.faq details[open] summary::after{content:"\2212"}.faq .ans{padding:0 1.2rem 1rem}.faq .ans p{margin:0;color:var(--mute)}
/* article */
.article-l{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:3.5rem;align-items:start}
.prose h2{margin-top:2.2rem;font-size:1.6rem}.prose h2:first-child{margin-top:0}.prose p,.prose li{max-width:70ch}.prose>p:first-child{font-size:1.14rem}
.proc{list-style:none;counter-reset:s;padding:0}.proc li{counter-increment:s;position:relative;padding:0 0 1.1rem 3.2rem}.proc li::before{content:counter(s);position:absolute;left:0;top:0;width:2.2rem;height:2.2rem;border-radius:50%;background:var(--char);color:#fff;display:grid;place-items:center;font:700 .95rem var(--fh)}.proc h3{margin:0 0 .15rem;font-size:1.08rem}.proc p{margin:0;color:var(--mute)}
.side{position:sticky;top:96px;display:grid;gap:1.2rem}.side-box{border:1px solid var(--line);border-radius:12px;padding:1.4rem;background:#fff}.side-box h2{font-size:1.2rem}.side-box .btn{margin-top:.6rem}
.side-list{list-style:none;padding:0;margin:0}.side-list a{display:block;padding:.35rem 0;font-size:.95rem;text-decoration:none;color:var(--ink)}.side-list a:hover,.side-list a[aria-current]{color:var(--ember-d);font-weight:600}
.callout{background:var(--bg);border-left:5px solid var(--amber);border-radius:10px;padding:1.5rem;margin:2.5rem 0 1.5rem}.callout h2{margin-top:0;font-size:1.3rem}
/* form */
.leadf{background:#fff;border:1px solid var(--line);border-radius:14px;padding:1.8rem;box-shadow:0 16px 44px rgba(20,25,30,.1)}.leadf h2{font-size:1.5rem;margin-bottom:.3rem}.leadf .sub{color:var(--mute);font-size:.95rem}
.leadf label{display:block;font:600 .88rem var(--fh);color:var(--char);margin-bottom:.9rem}.leadf input:not([type=checkbox]),.leadf select,.leadf textarea{display:block;width:100%;margin-top:.3rem;padding:.75rem .85rem;font:400 1rem var(--fb);border:1.5px solid #b9bec5;border-radius:8px;background:#fff;color:var(--ink)}
.leadf input:focus,.leadf select:focus,.leadf textarea:focus{border-color:var(--char);outline:3px solid rgba(217,150,43,.5);outline-offset:0}.leadf [aria-invalid=true]{border-color:var(--ember)!important}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:0 1rem}.leadf .consent{display:flex;gap:.6rem;font:400 .8rem/1.45 var(--fb);color:var(--mute)}.leadf .consent input{margin-top:.2rem;width:18px;height:18px;flex:none}
.hp{position:absolute;left:-9999px}.form-msg{margin:.9rem 0 0;font-weight:600;min-height:1.2em}.form-msg.ok{color:#1d6b3a}.form-msg.err{color:var(--ember-d)}
.contact-l{list-style:none;padding:0;margin:2rem 0}.contact-l li{display:flex;gap:1rem;margin-bottom:1.1rem}
/* cta band */
.cta-band{position:relative;color:#fff;text-align:center;overflow:hidden;background:var(--char)}.cta-bg{position:absolute;inset:0}.cta-bg img{width:100%;height:100%;object-fit:cover}.cta-bg::after{content:"";position:absolute;inset:0;background:rgba(24,28,33,.72)}
.cta-in{position:relative;padding:5rem 0;max-width:760px}.cta-in h2{color:#fff}.cta-in p{color:#e1e5e9;font-size:1.1rem}.cta-in .btn-row{justify-content:center}
/* footer */
.site-footer{background:var(--char);color:#b6bec7;padding:4rem 0 6rem;font-size:.95rem}.f-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:2.5rem}.site-footer h3{color:#fff;font-size:1rem;margin-bottom:.8rem}.site-footer h3.mt{margin-top:1.6rem}
.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin-bottom:.4rem}.site-footer a{color:#b6bec7;text-decoration:none}.site-footer a:hover{color:#fff;text-decoration:underline}.site-footer .btn-call{color:#fff}.f-brand p{margin:1rem 0}
.disclosure{margin-top:2.5rem;padding:1.3rem 1.5rem;border:1px solid #3a424c;border-radius:10px;font-size:.86rem;line-height:1.6}.disclosure strong{color:#fff}.disclosure a{text-decoration:underline}
.f-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:1rem;margin-top:2rem;padding-top:1.5rem;border-top:1px solid #3a424c;font-size:.88rem}.f-bottom ul{display:flex;gap:1.2rem;flex-wrap:wrap}
.sticky-call{display:none}
@media(max-width:1040px){.nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);max-height:calc(100vh - 76px);overflow:auto;padding:.6rem 4%}.nav.open{display:block}.nav ul{flex-direction:column;align-items:stretch}
.menu-btn{display:flex}.has-sub{display:flex;flex-wrap:wrap;align-items:center}.has-sub>a{flex:1}.sub-toggle{display:block;width:44px;height:44px;border:0;background:none;cursor:pointer;position:relative}.sub-toggle::after{content:"+";font-size:1.5rem;color:var(--char)}.sub-toggle[aria-expanded=true]::after{content:"\2212"}
.sub{position:static;width:100%;box-shadow:none;border:0;border-left:3px solid var(--amber);border-radius:0;margin:0 0 .5rem .8rem;padding:0 0 0 .6rem;min-width:0}.has-sub:hover .sub,.has-sub:focus-within .sub{display:none!important}.has-sub.open .sub{display:flex!important}
.g3{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:repeat(2,1fr)}.areas{grid-template-columns:repeat(3,1fr)}.f-grid{grid-template-columns:1fr 1fr}.article-l{grid-template-columns:1fr}.side{position:static}}
@media(max-width:760px){body{font-size:16px}.hero{grid-template-columns:1fr}.hero-t{padding:2.6rem 5% 2.4rem;max-width:none}.hero-i{order:-1;min-height:0;aspect-ratio:16/11}.hero-i img{position:static;height:100%}
.phead-in{grid-template-columns:1fr;gap:1.6rem;padding:2rem 0}.phead-i{order:-1}.split{grid-template-columns:1fr;gap:2rem}.trust{grid-template-columns:1fr}.sec{padding:3.4rem 0}.row2{grid-template-columns:1fr}
.g3{grid-template-columns:1fr}.steps{grid-template-columns:1fr}.areas{grid-template-columns:repeat(2,1fr)}.f-grid{grid-template-columns:1fr}.hdr-cta .btn{display:none}.hero .btn,.phead .btn{width:100%;justify-content:center}
.sticky-call{display:grid;grid-template-columns:1.2fr 1fr;gap:.5rem;position:fixed;left:0;right:0;bottom:0;z-index:60;padding:.6rem .7rem calc(.6rem + env(safe-area-inset-bottom));background:var(--char);box-shadow:0 -6px 20px rgba(0,0,0,.25)}.sticky-call .btn{justify-content:center;padding:.8rem .6rem}.sticky-call .btn-light{color:#fff!important;border-color:rgba(255,255,255,.5)!important}.sticky-call .btn-light:hover{background:#fff;color:var(--char)!important}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}