:root{--navy:#0b2545;--navy2:#13315c;--blue:#1d7ed6;--sky:#e8f3fd;--cta:#f26a1b;--cta-d:#d4560c;--ink:#1b2430;--muted:#5a6675;--line:#dbe3ec;--bg:#fff;--radius:12px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);padding-bottom:76px}
img,svg{max-width:100%}
a{color:var(--blue)}
a:hover{color:var(--navy)}
h1,h2,h3{line-height:1.25;color:var(--navy)}
h1{font-size:1.9rem;margin:.4em 0 .5em}
h2{font-size:1.4rem;margin:1.8em 0 .6em}
.wrap{max-width:1080px;margin:0 auto;padding:0 18px}
.content{max-width:820px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:100}
.small{font-size:.88rem;color:var(--muted)}

/* header */
.site-header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50}
.header-row{display:flex;align-items:center;gap:16px;min-height:64px;flex-wrap:wrap}
.logo{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;margin-right:auto}
.logo:hover{color:#fff}
.logo-mark{color:#3fa7f5;display:flex}
.logo-text{display:flex;flex-direction:column;line-height:1.15}
.logo-text strong{font-size:1.05rem}
.logo-text small{font-size:.72rem;opacity:.8}
.site-header nav{width:100%}
.nav{display:flex;list-style:none;margin:0;padding:0 0 10px;gap:18px;overflow-x:auto;white-space:nowrap;scrollbar-width:none}
.nav a{color:#fff;text-decoration:none;font-size:.95rem}
.nav a[aria-current]{border-bottom:2px solid #3fa7f5}
.header-cta{display:none}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 22px;border-radius:999px;font-weight:700;text-decoration:none;border:0;cursor:pointer;font-size:1rem;line-height:1.2}
.btn-cta{background:var(--cta);color:#fff}
.btn-cta:hover{background:var(--cta-d);color:#fff}
.btn-ghost{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.6)}
.btn-ghost:hover{color:#fff;border-color:#fff}
.btn-sm{padding:9px 16px;font-size:.9rem}
.btn-block{width:100%}

/* hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy2) 60%,#1b4b8a 100%);color:#fff;padding:36px 0 40px}
.hero h1{color:#fff;font-size:1.85rem}
.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:.8rem;color:#9fd0ff;margin:0}
.lead{font-size:1.1rem;max-width:680px}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin:20px 0}
.trust{list-style:none;padding:0;margin:16px 0 0;display:flex;flex-wrap:wrap;gap:8px 18px;font-size:.92rem}
.trust li::before{content:"✓ ";color:#7fe0a0;font-weight:700}
.hero-service{color:#c9dcf0}

/* content blocks */
.answer{background:var(--sky);border-left:4px solid var(--blue);padding:14px 16px;border-radius:0 var(--radius) var(--radius) 0;margin:20px 0}
.first-hour{border:2px solid var(--cta);border-radius:var(--radius);padding:4px 20px 16px;margin:28px 0;background:#fff8f3}
.first-hour h2{margin-top:.8em}
.first-hour li{margin-bottom:8px}
.cta-box{background:var(--navy);color:#fff;border-radius:var(--radius);padding:22px;margin:36px 0}
.cta-box h2{color:#fff;margin-top:0}
.cta-note{font-size:.82rem;opacity:.8;margin-bottom:0}
.card-grid{list-style:none;padding:0;display:grid;grid-template-columns:1fr;gap:12px}
.card-grid a{display:block;border:1px solid var(--line);border-radius:var(--radius);padding:14px 16px;text-decoration:none;color:var(--ink);height:100%}
.card-grid a:hover{border-color:var(--blue);box-shadow:0 2px 10px rgba(11,37,69,.08)}
.card-grid strong{display:block;color:var(--navy);margin-bottom:4px}
.card-grid span{font-size:.9rem;color:var(--muted)}
.link-grid{list-style:none;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:8px 16px}
.checklist{list-style:none;padding-left:0}
.checklist li{padding-left:30px;position:relative;margin-bottom:8px}
.checklist li::before{content:"✓";position:absolute;left:4px;color:#1a9a55;font-weight:700}
.steps li{margin-bottom:10px}
.table{width:100%;border-collapse:collapse;font-size:.92rem;display:block;overflow-x:auto}
.table th,.table td{border:1px solid var(--line);padding:8px 10px;text-align:left;vertical-align:top}
.table th{background:var(--sky);color:var(--navy)}
.faq details{border:1px solid var(--line);border-radius:var(--radius);margin-bottom:10px;padding:0 16px}
.faq summary{cursor:pointer;font-weight:600;padding:14px 0;color:var(--navy)}
.faq-a{padding-bottom:14px}
.related{margin-top:28px}
.sources{margin-top:32px;border-top:1px solid var(--line);font-size:.9rem}
.reviewed{margin-top:-6px}
.crumbs ol{list-style:none;padding:12px 0 0;margin:0;display:flex;flex-wrap:wrap;gap:6px;font-size:.85rem;color:var(--muted)}
.crumbs li+li::before{content:"›";margin-right:6px}

/* form */
.help-form{border:1px solid var(--line);border-radius:var(--radius);padding:20px;background:#fafcff}
.field{margin-bottom:14px}
.field label{display:block;font-weight:600;margin-bottom:4px}
.field input,.field select,.field textarea{width:100%;padding:12px;border:1px solid #b9c6d4;border-radius:8px;font:inherit;background:#fff}
.field.check{display:flex;gap:10px;align-items:flex-start}
.field.check input{width:auto;margin-top:6px}
.field.check label{font-weight:400;font-size:.9rem}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

/* footer */
.site-footer{background:#081a33;color:#cfdbe8;margin-top:48px;padding:32px 0 16px;font-size:.92rem}
.site-footer a{color:#cfdbe8}
.site-footer h2{color:#fff;font-size:1rem;margin:0 0 8px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:4px}
.footer-grid{display:grid;grid-template-columns:1fr;gap:24px}
.footer-brand{color:#fff;font-weight:700;display:flex;align-items:center;gap:8px;margin-top:0}
.footer-legal{border-top:1px solid rgba(255,255,255,.12);margin-top:24px;padding-top:12px}
.footer-legal .small{color:#9fb2c7}

/* mobile sticky CTA */
.mobile-bar{position:fixed;left:0;right:0;bottom:0;padding:10px 14px;background:rgba(255,255,255,.96);box-shadow:0 -2px 12px rgba(0,0,0,.12);z-index:60}

@media (min-width:640px){
  .card-grid{grid-template-columns:1fr 1fr}
  .link-grid{grid-template-columns:1fr 1fr 1fr}
  .footer-grid{grid-template-columns:1.3fr 1fr 1fr 1fr}
  h1,.hero h1{font-size:2.3rem}
}
@media (min-width:960px){
  body{padding-bottom:0}
  .site-header nav{width:auto}
  .nav{padding:0}
  .header-cta{display:block}
  .mobile-bar{display:none}
  .card-grid{grid-template-columns:1fr 1fr 1fr}
  .hero{padding:56px 0 60px}
}
@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important}}
.form-error{background:#fdecea;border:1px solid #f5c2bd;color:#8a1c12;padding:12px 14px;border-radius:8px}