:root{
  color-scheme:light dark;
  --ink:#112733;--muted:#526873;--paper:#f7f9f8;--surface:#ffffff;
  --navy:#0b3047;--navy-2:#174a63;--coral:#e95935;--coral-dark:#c94324;
  --mint:#dcebe6;--line:#d9e2df;--sand:#edf2ef;
  --shadow:0 18px 50px rgba(9,38,53,.13);--radius:16px;
}
@media (prefers-color-scheme:dark){
  :root{--ink:#edf6f3;--muted:#afc3c4;--paper:#081b24;--surface:#0e2834;
  --navy:#0d2c40;--navy-2:#23647e;--coral:#ff7956;--coral-dark:#ed6846;
  --mint:#153b3d;--line:#27434b;--sand:#102b35;--shadow:0 18px 50px rgba(0,0,0,.35)}
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'DM Sans',system-ui,-apple-system,'Segoe UI',sans-serif;
  background:var(--paper);color:var(--ink);line-height:1.65;font-size:1.02rem}
h1,h2,h3{font-family:'Newsreader',Georgia,'Times New Roman',serif;line-height:1.18;letter-spacing:-.01em;margin:0 0 .6em}
h1{font-size:clamp(2rem,5.4vw,3.1rem)}
h2{font-size:clamp(1.5rem,3.6vw,2.05rem);margin-top:2.2em}
h3{font-size:1.2rem;margin-top:1.6em}
p{margin:0 0 1em}
a{color:var(--navy-2)}
.container{max-width:1060px;margin:0 auto;padding:0 20px}
img{max-width:100%}
/* header */
.site-header{position:sticky;top:0;z-index:50;background:var(--surface);border-bottom:1px solid var(--line)}
.header-row{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:12px 0}
.brand{font-family:'Newsreader',Georgia,serif;font-weight:700;font-size:1.25rem;color:var(--navy);text-decoration:none;display:flex;align-items:center;gap:.45em}
@media (prefers-color-scheme:dark){.brand{color:var(--ink)}}
.brand .drop{font-size:1.3em}
.main-nav{border-top:1px solid var(--line);overflow-x:auto;-webkit-overflow-scrolling:touch}
.main-nav .container{display:flex;gap:4px;padding-top:0;padding-bottom:0}
.main-nav a{display:block;white-space:nowrap;padding:11px 12px;text-decoration:none;color:var(--muted);font-weight:600;font-size:.92rem}
.main-nav a:hover,.main-nav a.active{color:var(--coral)}
/* buttons */
.btn{display:inline-block;text-decoration:none;font-weight:700;border-radius:999px;padding:.85em 1.7em;
  border:2px solid transparent;cursor:pointer;font-size:1rem;line-height:1.2;text-align:center}
.btn-call{background:var(--coral);color:#fff;box-shadow:0 8px 22px rgba(233,89,53,.35)}
.btn-call:hover{background:var(--coral-dark);color:#fff}
.btn-ghost{border-color:var(--line);color:var(--ink);background:var(--surface)}
.btn-ghost:hover{border-color:var(--coral);color:var(--coral)}
.btn-light{background:#fff;color:var(--navy)}
.btn-light:hover{background:var(--mint)}
.header-call{padding:.6em 1.2em;font-size:.95rem}
/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 70%,#1d5a76 100%);color:#fff;padding:56px 0 64px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;
  background:radial-gradient(circle,rgba(233,89,53,.35),transparent 70%)}
.hero h1{color:#fff;max-width:16em}
.hero p.lede{font-size:1.15rem;max-width:38em;color:#d7e6ec}
.hero .cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:1.6em;position:relative;z-index:1}
.hero .note{font-size:.9rem;color:#b9d2dc;margin-top:1em}
/* breadcrumbs */
.crumbs{font-size:.88rem;color:var(--muted);padding:16px 0 0}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{color:var(--coral)}
/* cards */
.grid{display:grid;gap:18px;grid-template-columns:1fr;margin:1.4em 0}
@media(min-width:640px){.grid{grid-template-columns:repeat(2,1fr)}}
@media(min-width:960px){.grid.cols-3{grid-template-columns:repeat(3,1fr)}}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.card h3{margin-top:0;font-size:1.25rem}
.card h3 a{color:var(--ink);text-decoration:none}
.card h3 a:hover{color:var(--coral)}
.card p{color:var(--muted);font-size:.97rem}
.card .more{font-weight:700;color:var(--coral);text-decoration:none;font-size:.95rem}
/* steps */
.steps{counter-reset:step;display:grid;gap:14px;margin:1.4em 0}
@media(min-width:760px){.steps{grid-template-columns:repeat(3,1fr)}}
.step{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:22px;position:relative}
.step::before{counter-increment:step;content:counter(step);display:inline-flex;align-items:center;justify-content:center;
  width:38px;height:38px;border-radius:50%;background:var(--mint);color:var(--navy);font-weight:700;margin-bottom:.6em}
/* cta band */
.cta-band{background:linear-gradient(135deg,var(--coral) 0%,var(--coral-dark) 100%);color:#fff;border-radius:var(--radius);
  padding:40px 32px;margin:3em 0;text-align:center;box-shadow:var(--shadow)}
.cta-band h2{color:#fff;margin-top:0}
.cta-band p{color:#ffe3d8;max-width:34em;margin:0 auto 1.4em}
.cta-band .btn-call{background:#fff;color:var(--coral-dark);box-shadow:none}
.cta-band .btn-call:hover{background:var(--mint)}
/* faq */
details.faq{background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:16px 20px;margin-bottom:10px}
details.faq summary{font-weight:700;cursor:pointer;font-family:'Newsreader',Georgia,serif;font-size:1.08rem}
details.faq p{color:var(--muted);margin:.7em 0 0}
/* content */
.prose ul{margin:0 0 1.2em;padding-left:1.3em}
.prose li{margin-bottom:.5em}
.prose li::marker{color:var(--coral)}
.callout{background:var(--mint);border-left:5px solid var(--coral);border-radius:0 12px 12px 0;padding:18px 22px;margin:1.8em 0}
.callout p{margin:0}
.related{background:var(--sand);border-radius:var(--radius);padding:26px;margin:2.6em 0}
.related h2{margin-top:0;font-size:1.35rem}
.related ul{columns:1;margin:0;padding-left:1.2em}
@media(min-width:640px){.related ul{columns:2}}
.related a{font-weight:600}
/* areas chips */
.chips{display:flex;flex-wrap:wrap;gap:10px;margin:1.2em 0}
.chips a{background:var(--surface);border:1px solid var(--line);border-radius:999px;padding:.55em 1.2em;
  text-decoration:none;font-weight:600;color:var(--ink);font-size:.95rem}
.chips a:hover{border-color:var(--coral);color:var(--coral)}
/* footer */
.site-footer{background:var(--navy);color:#cfe0e8;margin-top:4em;padding:48px 0 110px}
.site-footer a{color:#cfe0e8;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.footer-grid{display:grid;gap:28px;grid-template-columns:1fr}
@media(min-width:760px){.footer-grid{grid-template-columns:1.3fr 1fr 1fr 1fr}}
.site-footer h4{color:#fff;font-family:'Newsreader',Georgia,serif;margin:0 0 .8em;font-size:1.1rem}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:.45em;font-size:.94rem}
.footer-brand{font-family:'Newsreader',Georgia,serif;font-size:1.4rem;color:#fff;font-weight:700;margin-bottom:.4em}
.footer-note{font-size:.85rem;color:#9db8c4;margin-top:2em;border-top:1px solid rgba(255,255,255,.15);padding-top:1.4em}
/* sticky mobile call bar */
.sticky-call{position:fixed;left:0;right:0;bottom:0;z-index:60;background:var(--surface);border-top:1px solid var(--line);
  padding:10px 16px calc(10px + env(safe-area-inset-bottom));display:flex;gap:10px}
.sticky-call .btn{flex:1;padding:.8em 1em}
@media(min-width:720px){.sticky-call{display:none}}
@media(max-width:719px){body{padding-bottom:76px}}
.meta{color:var(--muted);font-size:.9rem}
.post-list{list-style:none;margin:0;padding:0}
.post-list li{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:22px;margin-bottom:16px}
.post-list h3{margin:0 0 .3em}
.post-list h3 a{color:var(--ink);text-decoration:none}
.post-list h3 a:hover{color:var(--coral)}
table{width:100%;border-collapse:collapse;margin:1.4em 0;font-size:.95rem}
th,td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line)}
th{background:var(--sand);font-weight:700}