/* lean defaults — no distinctive design fingerprints */
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; font-family: system-ui, -apple-system, "Segoe UI", Roboto, sans-serif; font-size: 17px; line-height: 1.6; color: #18181b; background: #fff; }
img { max-width: 100%; height: auto; }

a { color: #0e3a6b; text-decoration: underline; }
a:hover { color: #1a5494; }

h1, h2, h3 { line-height: 1.3; margin: 1.2em 0 .5em; color: #0e3a6b; font-weight: 600; }
h1 { font-size: 1.9rem; margin-top: .3em; }
h2 { font-size: 1.4rem; }
h3 { font-size: 1.1rem; }
p { margin: 0 0 1em; }
ul, ol { padding-left: 1.4em; margin: 0 0 1em; }
li { margin-bottom: .3em; }

blockquote { border-left: 3px solid #c7c9ce; margin: 1.2em 0; padding: .2em 1em; color: #4a4a52; }

/* simple wrapper */
.wrap { max-width: 1080px; margin: 0 auto; padding: 0 18px; }
.narrow { max-width: 720px; }

/* header */
header { border-bottom: 1px solid #e6e7eb; background: #fff; }
header .wrap { display: flex; align-items: center; justify-content: space-between; padding: 14px 18px; gap: 12px; flex-wrap: wrap; }
.logo { font-weight: 700; font-size: 1.15rem; text-decoration: none; color: #0e3a6b; }

/* pure-css mobile nav (checkbox hack) */
.nav-t { display: none; }
.nav-b { display: none; cursor: pointer; padding: 6px 10px; border: 1px solid #d4d6db; border-radius: 4px; font-size: .9rem; }
header nav ul { list-style: none; padding: 0; margin: 0; display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
header nav a { text-decoration: none; color: #1a1a1f; font-size: .95rem; }
header nav a.cta { background: #f0a020; color: #18181b; padding: 8px 14px; border-radius: 4px; font-weight: 600; }
header nav a.cta:hover { background: #d68a00; }

@media (max-width: 720px) {
  .nav-b { display: inline-block; }
  header nav { width: 100%; display: none; padding: 6px 0 12px; }
  .nav-t:checked ~ nav { display: block; }
  header nav ul { flex-direction: column; align-items: flex-start; gap: 0; }
  header nav li { width: 100%; padding: 8px 0; border-bottom: 1px solid #f1f2f5; }
}

/* hero */
.hero { background: #f5f6f8; padding: 36px 0; }
.hero h1 { color: #0e3a6b; margin-top: 0; }
.hero p { max-width: 640px; }
.hero .trust { color: #4a4a52; font-size: .9rem; margin-top: 1em; }

/* sections */
section { padding: 32px 0; }
section.alt { background: #f7f8fa; }

/* grid */
.grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(220px, 1fr)); gap: 14px; margin: 1em 0; }
.grid.g2 { grid-template-columns: 1fr; }
@media (min-width: 720px) { .grid.g2 { grid-template-columns: 1fr 1fr; gap: 24px; } }

.box { display: block; padding: 14px 16px; border: 1px solid #e6e7eb; border-radius: 4px; text-decoration: none; color: #18181b; transition: border-color .12s; }
.box:hover { border-color: #1a5494; }
.box h3 { margin: 0 0 .3em; font-size: 1rem; color: #0e3a6b; }
.box p { margin: 0; font-size: .9rem; color: #4a4a52; }

/* CTAs */
.cta-wrap { margin: 1.2em 0; }
.cta-big { display: inline-block; background: #f0a020; color: #18181b; padding: 12px 22px; border-radius: 4px; font-weight: 600; text-decoration: none; }
.cta-big:hover { background: #d68a00; }

/* breadcrumbs */
.bc { font-size: .88rem; color: #4a4a52; margin: 12px 0 18px; }
.bc a { color: #4a4a52; text-decoration: none; }
.bc a:hover { text-decoration: underline; color: #0e3a6b; }

/* faq */
.faq details { border-top: 1px solid #e6e7eb; padding: 14px 0; }
.faq details:last-child { border-bottom: 1px solid #e6e7eb; }
.faq summary { cursor: pointer; font-weight: 600; color: #0e3a6b; outline: none; }
.faq summary:focus { outline: 2px solid #1a5494; outline-offset: 2px; }
.faq details > div { padding-top: 8px; color: #4a4a52; }

/* form */
.qf { display: grid; gap: 10px; max-width: 520px; margin-bottom: 1.5em; }
.qf input, .qf textarea { padding: 10px 12px; border: 1px solid #d4d6db; border-radius: 4px; font-size: 1rem; font-family: inherit; }
.qf input:focus, .qf textarea:focus { outline: 2px solid #1a5494; border-color: #1a5494; }
.qf button { padding: 10px 18px; background: #f0a020; color: #18181b; border: 0; border-radius: 4px; font-weight: 600; font-size: 1rem; cursor: pointer; }

/* footer */
footer { background: #0e3a6b; color: #c4d3eb; padding: 32px 0 16px; margin-top: 32px; font-size: .92rem; }
footer .wrap { display: grid; grid-template-columns: 1fr; gap: 22px; }
@media (min-width: 720px) { footer .wrap { grid-template-columns: 2fr 1fr 1fr 1fr; } }
footer a { color: #fff; text-decoration: none; }
footer a:hover { text-decoration: underline; }
footer ul { list-style: none; padding: 0; margin: 0; }
footer li { margin-bottom: .3em; }
footer p strong { color: #fff; font-size: .92rem; }
.fbot { border-top: 1px solid rgba(255,255,255,.1); padding-top: 12px; margin-top: 22px; font-size: .82rem; color: #8aa2c5; text-align: center; }

p.meta { color: #4a4a52; font-size: .88rem; margin-top: -.5em; }