:root{
  --navy:#0f1b2d; --navy2:#16263f; --panel:#1c3b5f; --amber:#f5a623;
  --amber2:#ffcb5e; --ink:#12202f; --paper:#f4f7fb; --line:#d7e0ec;
  --muted:#5b6b7e; --white:#ffffff; --good:#1f9d6b; --bad:#d1495b;
}
*{box-sizing:border-box}
html,body{width:100%;overflow-x:hidden;margin:0}
body{font-family:'Sora',system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;
  color:var(--ink);background:var(--paper);line-height:1.65;font-size:17px}
.wrap{width:100%;max-width:1080px;margin:0 auto;padding:0 22px}
a{color:#1666c4}
h1,h2,h3{font-weight:800;line-height:1.2;color:var(--navy)}
h1{font-size:2.05rem;margin:.2em 0 .5em}
h2{font-size:1.5rem;margin:1.9em 0 .5em;padding-left:.6rem;border-left:5px solid var(--amber)}
h3{font-size:1.2rem;margin:1.4em 0 .4em}
p{margin:.7em 0}

/* header */
.site-head{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50;
  box-shadow:0 2px 14px rgba(6,14,26,.35)}
.head-row{display:flex;align-items:center;gap:18px;min-height:66px;flex-wrap:nowrap}
.brand-logo{color:#fff;font-weight:800;font-size:1.32rem;text-decoration:none;
  letter-spacing:.2px;white-space:nowrap}
.brand-logo::before{content:"▲";color:var(--amber);margin-right:.4rem;font-size:.9em}
.nav-wrap{display:flex;align-items:center;gap:16px;margin-left:auto;flex-wrap:nowrap}
.nav-main{display:flex;gap:4px;flex-wrap:nowrap}
.nav-main a{color:#d5e0ee;text-decoration:none;font-size:.94rem;font-weight:600;
  padding:8px 9px;border-radius:7px;white-space:nowrap}
.nav-main a:hover{background:var(--navy2);color:#fff}
.nav-main a.on{color:var(--amber2)}
.cta-mini{background:var(--amber);color:#241a02;font-weight:800;text-decoration:none;
  padding:9px 14px;border-radius:8px;white-space:nowrap;font-size:.92rem}
.cta-mini:hover{background:var(--amber2)}
.nav-toggle{display:none;margin-left:auto;background:none;border:0;cursor:pointer;
  width:42px;height:38px;padding:8px}
.nav-toggle span{display:block;height:3px;background:#fff;border-radius:2px;margin:5px 0}

/* crumbs */
.crumbs{background:#e9eff6;border-bottom:1px solid var(--line);font-size:.86rem}
.crumbs .wrap{padding-top:9px;padding-bottom:9px}
.crumbs a{color:#1666c4;text-decoration:none}
.crumbs span{color:var(--muted)}

main .body{padding-top:26px;padding-bottom:52px}
.lede{font-size:1.16rem;background:#fff;border:1px solid var(--line);
  border-left:5px solid var(--amber);border-radius:10px;padding:16px 18px;
  color:#22303f;font-weight:500}
.hero-shot{margin:18px 0 6px}
.hero-shot img{width:100%;height:auto;border-radius:14px;display:block;
  box-shadow:0 10px 30px rgba(15,27,45,.18)}

.card{background:#fff;border:1px solid var(--line);border-radius:12px;
  padding:18px 20px;margin:20px 0}
ul.ticks,ol.steps{margin:.6em 0 1em;padding-left:1.3em}
ul.ticks li,ol.steps li{margin:.4em 0}
ul.ticks{list-style:none;padding-left:0}
ul.ticks li{position:relative;padding-left:1.7em}
ul.ticks li::before{content:"▲";color:var(--amber);position:absolute;left:0;top:.05em}

table{border-collapse:collapse;width:100%;font-size:.95rem}
.table-scroll{overflow-x:auto;margin:1em 0;border:1px solid var(--line);border-radius:10px}
th,td{padding:10px 12px;border-bottom:1px solid var(--line);text-align:left}
th{background:var(--navy);color:#fff;font-weight:700}
tr:nth-child(even) td{background:#f4f7fb}

.pillrow{display:flex;flex-wrap:wrap;gap:10px;margin:16px 0}
.pill{background:#fff;border:1px solid var(--line);border-radius:999px;
  padding:7px 14px;font-size:.88rem;font-weight:600;color:var(--navy)}
.pill b{color:var(--amber2);background:var(--navy);border-radius:999px;padding:1px 7px;margin-left:4px}

/* tabs */
.tabs{margin:18px 0}
.tab-btns{display:flex;flex-wrap:wrap;gap:6px;border-bottom:2px solid var(--line)}
.tab-btns button{background:#e9eff6;border:0;padding:9px 14px;font-weight:700;
  cursor:pointer;border-radius:8px 8px 0 0;color:var(--navy);font-family:inherit}
.tab-btns button.active{background:var(--navy);color:#fff}
.tab-pane{display:none;background:#fff;border:1px solid var(--line);border-top:0;
  padding:16px 18px;border-radius:0 0 10px 10px}
.tab-pane.active{display:block}

/* calculator */
.calc{background:var(--navy);color:#eaf1fa;border-radius:12px;padding:18px 20px;margin:22px 0}
.calc h3{color:#fff}
.calc .btns{display:flex;flex-wrap:wrap;gap:8px;margin:12px 0}
.calc button{background:var(--navy2);color:#fff;border:1px solid #2c405c;
  padding:9px 13px;border-radius:8px;cursor:pointer;font-weight:700;font-family:inherit}
.calc button:hover{background:#22344e}
.calc .out{font-size:1.4rem;font-weight:800;color:var(--amber2);margin-top:8px}

/* faq */
.faq{margin-top:26px}
.qa{background:#fff;border:1px solid var(--line);border-radius:10px;margin:10px 0;padding:2px 4px}
.qa summary{cursor:pointer;font-weight:700;padding:13px 14px;color:var(--navy);list-style:none}
.qa summary::-webkit-details-marker{display:none}
.qa summary::before{content:"＋";color:var(--amber);font-weight:800;margin-right:.5em}
.qa[open] summary::before{content:"－"}
.qa-body{padding:0 14px 13px}

/* cta */
.cta-band{background:linear-gradient(120deg,#16263f,#0f1b2d);color:#eef4fb;
  border-radius:14px;padding:22px 24px;margin:30px 0 8px;text-align:center}
.cta-band p{margin:.2em 0 1em;font-size:1.05rem}
.cta-btn{display:inline-block;background:var(--amber);color:#241a02;font-weight:800;
  text-decoration:none;padding:13px 30px;border-radius:10px;font-size:1.05rem}
.cta-btn:hover{background:var(--amber2)}

.note{background:#fff6e6;border:1px solid #f2d79a;border-radius:10px;padding:12px 16px;margin:16px 0}

/* footer */
.site-foot{background:var(--navy);color:#c6d3e3;margin-top:40px;padding:34px 0 22px}
.site-foot h3{color:#fff;font-size:1rem;margin:0 0 .6em}
.fgrid{display:grid;grid-template-columns:1fr 1fr 2fr;gap:26px}
.site-foot ul{list-style:none;margin:0;padding:0}
.site-foot li{margin:.35em 0}
.site-foot a{color:#c6d3e3;text-decoration:none}
.site-foot a:hover{color:var(--amber2)}
.fnote p{font-size:.86rem;color:#9fb1c6;margin:0}
.copy{border-top:1px solid #24384f;margin-top:22px;padding-top:14px;font-size:.82rem;color:#889fb6}

.to-top{position:fixed;right:16px;bottom:16px;background:var(--navy);color:#fff;
  border:0;border-radius:9px;padding:10px 13px;font-weight:700;cursor:pointer;
  display:none;z-index:40;box-shadow:0 4px 14px rgba(0,0,0,.3)}
.to-top.show{display:block}

@media(max-width:820px){
  body{font-size:16px}
  h1{font-size:1.7rem}
  h2{font-size:1.32rem}
  .nav-toggle{display:block}
  .nav-wrap{display:none;position:absolute;top:66px;left:0;right:0;background:var(--navy);
    flex-direction:column;align-items:stretch;gap:0;padding:8px 22px 16px;
    border-top:1px solid #24384f}
  .nav-wrap.open{display:flex}
  .nav-main{flex-direction:column;gap:0}
  .nav-main a{padding:12px 4px;border-bottom:1px solid #22364e}
  .cta-mini{margin-top:12px;text-align:center}
  .fgrid{grid-template-columns:1fr;gap:18px}
}