:root{--navy:#0f2e4d;--navy2:#143a5f;--blue:#16608f;--orange:#e9711a;--orange2:#c85c0f;--light:#eef4f8;--ink:#1d2a36;--muted:#5a6b7a;--line:#d7e0e8;--white:#fff}
*{box-sizing:border-box}body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);line-height:1.6;background:#fff}
a{color:var(--blue)}a:hover{color:var(--orange)}img{max-width:100%;height:auto;display:block}
.ribbon{background:var(--navy);color:#fff;font-size:.9rem;padding:.45rem 1rem;text-align:center}.ribbon a{color:#fff;font-weight:700}
header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.nav{max-width:1100px;margin:0 auto;display:flex;gap:1rem;align-items:center;justify-content:space-between;padding:.8rem 1rem;flex-wrap:nowrap;position:relative}
.logo{font-weight:800;color:var(--navy);text-decoration:none;font-size:1.15rem;line-height:1.2}.logo span{color:var(--orange)}
nav.main{display:flex;gap:.9rem;flex-wrap:wrap}nav.main a{color:var(--navy);text-decoration:none;font-weight:600;font-size:.95rem}
.menu-check{position:absolute;width:1px;height:1px;opacity:0;pointer-events:none}.menu-toggle{display:none;cursor:pointer;font-size:1.7rem;line-height:1;color:var(--navy);padding:.25rem .5rem}.menu-panel{display:flex;gap:1rem;align-items:center}
.btn{display:inline-block;background:var(--orange);color:#fff!important;text-decoration:none;font-weight:800;padding:.75rem 1.15rem;border-radius:8px}
.btn:hover{background:var(--orange2)}.btn.dark{background:var(--navy)}
.wrap{max-width:1100px;margin:0 auto;padding:0 1rem}
.hero{display:grid;grid-template-columns:1.1fr .9fr;gap:2rem;align-items:center;padding:2.5rem 0}
.eyebrow{color:var(--orange);font-weight:800;letter-spacing:.04em;text-transform:uppercase;font-size:.85rem}
h1{color:var(--navy);line-height:1.15;font-size:2.3rem;margin:.4rem 0}h2{color:var(--navy);font-size:1.7rem;line-height:1.25}h3{color:var(--navy)}
.lead{font-size:1.12rem;color:#33475a}.trust{font-size:.92rem;color:var(--muted);margin-top:.8rem}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}.card{border:1px solid var(--line);border-radius:12px;padding:1.1rem;background:#fff}
.card h3{margin-top:0}.card a{text-decoration:none}.darkband{background:var(--navy);color:#fff;padding:2rem 0;margin:2rem 0;border-radius:12px}
.darkband h2,.darkband h3{color:#fff}.darkband a{color:#ffd9b0}
section{padding:1.2rem 0}table{width:100%;border-collapse:collapse;margin:1rem 0}th,td{border:1px solid var(--line);padding:.6rem;text-align:left}th{background:var(--light)}
.brands{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:1.2rem 0;text-align:center;background:#fbfdff}
.brands ul{list-style:none;display:flex;flex-wrap:wrap;gap:.6rem 1.4rem;justify-content:center;padding:0;margin:.6rem 0}
.brands li{font-weight:800;color:var(--navy);letter-spacing:.02em}
.cta{background:var(--light);border-radius:12px;padding:1.8rem;text-align:center;margin:2rem 0}
footer{background:var(--navy);color:#dbe7f0;padding:2rem 0 5rem}footer a{color:#fff}footer h3{color:#fff}
.footgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem}.footgrid ul{list-style:none;padding:0}
.breadcrumb{font-size:.9rem;color:var(--muted);padding-top:1rem}.faq details{border:1px solid var(--line);border-radius:8px;padding:.8rem 1rem;margin:.6rem 0}
.faq summary{font-weight:700;cursor:pointer;color:var(--navy)}
.mobile-call{display:none;position:fixed;left:0;right:0;bottom:0;z-index:60;background:var(--orange);text-align:center;padding:.9rem}
.mobile-call a{color:#fff;font-weight:900;text-decoration:none;font-size:1.1rem}
figure{margin:1rem 0}figcaption{font-size:.85rem;color:var(--muted)}
@media(max-width:800px){.hero{grid-template-columns:1fr}.grid{grid-template-columns:1fr}.footgrid{grid-template-columns:1fr 1fr}h1{font-size:1.9rem}.mobile-call{display:block}footer{padding-bottom:5.5rem}.nav{flex-wrap:nowrap}.menu-toggle{display:block}.menu-panel{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:1rem;gap:.9rem;border-bottom:1px solid var(--line);box-shadow:0 8px 16px rgba(0,0,0,.08);z-index:51}.menu-panel nav.main{flex-direction:column;flex-wrap:nowrap}.menu-panel .btn{text-align:center}.menu-check:checked~.menu-panel{display:flex}}