:root{
  --ink:#152129;--muted:#5d6b72;--paper:#f7f5ef;--white:#fff;
  --accent:#d94f27;--accent2:#233f4d;--line:#d8d7d1;--soft:#ece8de;
  --max:1160px;--radius:18px;--shadow:0 14px 40px rgba(21,33,41,.10)
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.62}
a{color:inherit}
img,svg{max-width:100%;height:auto}
.container{width:min(var(--max),calc(100% - 34px));margin:auto}
.topbar{background:var(--ink);color:#fff;font-size:.92rem}
.topbar .container{display:flex;justify-content:space-between;gap:16px;align-items:center;padding:8px 0}
.site-header{position:sticky;top:0;z-index:20;background:rgba(247,245,239,.97);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;justify-content:space-between;align-items:center;gap:18px;min-height:72px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:900;letter-spacing:-.02em}
.logo-mark{width:38px;height:38px;display:grid;place-items:center;border-radius:12px;background:var(--accent);color:#fff;font-size:1.15rem}
.navlinks{display:flex;align-items:center;gap:22px}
.navlinks a{text-decoration:none;font-weight:700;font-size:.94rem}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;text-decoration:none;border-radius:999px;padding:13px 19px;font-weight:850;border:2px solid var(--ink)}
.btn.primary{background:var(--accent);border-color:var(--accent);color:#fff}
.btn.dark{background:var(--ink);color:#fff}
.btn.ghost{background:transparent}
.hero{padding:70px 0 52px;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.eyebrow{font-size:.82rem;text-transform:uppercase;letter-spacing:.16em;font-weight:900;color:var(--accent)}
h1{font-size:clamp(2.45rem,6vw,5.5rem);line-height:.94;letter-spacing:-.055em;margin:.25em 0 .28em}
h2{font-size:clamp(1.65rem,3vw,2.6rem);line-height:1.08;letter-spacing:-.035em;margin:0 0 .55em}
h3{line-height:1.2;margin-top:0}
.lede{font-size:1.18rem;max-width:720px;color:#39464d}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin:26px 0}
.trust-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}
.pill{display:inline-flex;gap:8px;align-items:center;background:var(--white);border:1px solid var(--line);border-radius:999px;padding:8px 12px;font-weight:750;font-size:.9rem}
.hero-art{background:var(--accent2);border-radius:32px;min-height:420px;position:relative;display:grid;place-items:center;box-shadow:var(--shadow);overflow:hidden}
.hero-art:before{content:"";position:absolute;width:300px;height:300px;border:50px solid rgba(255,255,255,.06);border-radius:50%;right:-100px;top:-70px}
.hero-art svg{width:82%;position:relative;z-index:2}
.section{padding:64px 0}
.section.white{background:var(--white)}
.section.dark{background:var(--ink);color:#fff}
.section-head{max-width:760px;margin-bottom:28px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 5px 20px rgba(21,33,41,.04)}
.dark .card{background:#1d2c34;border-color:#33444d}
.card a.more{font-weight:850;color:var(--accent);text-decoration:none}
.icon{width:44px;height:44px;border-radius:13px;display:grid;place-items:center;background:var(--soft);font-size:1.25rem;margin-bottom:15px}
.steps{counter-reset:step}
.step{position:relative;padding-left:54px}
.step:before{counter-increment:step;content:counter(step);position:absolute;left:0;top:0;width:38px;height:38px;border-radius:50%;background:var(--accent);color:white;display:grid;place-items:center;font-weight:900}
.cta{background:var(--accent2);color:#fff;border-radius:28px;padding:34px;display:flex;justify-content:space-between;align-items:center;gap:25px}
.cta h2{margin-bottom:.18em}
.cta .btn{background:#fff;border-color:#fff;color:var(--ink);white-space:nowrap}
.breadcrumbs{font-size:.85rem;color:var(--muted);padding-top:24px}
.breadcrumbs a{text-decoration:none}
.article-wrap{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:42px;align-items:start}
.article{font-size:1.04rem}
.article h2{margin-top:1.55em}
.article h3{margin-top:1.3em}
.article ul{padding-left:1.25em}
.article-callout{background:#fff3ec;border-left:5px solid var(--accent);padding:18px 20px;border-radius:0 14px 14px 0;margin:24px 0}
.sidebar{position:sticky;top:100px}
.sidebox{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:22px;margin-bottom:16px}
.sidebox .phone{font-size:1.35rem;font-weight:950;text-decoration:none;color:var(--accent)}
.related{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.related a{display:block;background:var(--white);border:1px solid var(--line);border-radius:15px;padding:18px;text-decoration:none;font-weight:850}
.faq details{background:var(--white);border:1px solid var(--line);padding:16px 18px;border-radius:14px;margin:10px 0}
.faq summary{cursor:pointer;font-weight:850}
footer{background:#101a20;color:#d6dde1;padding:48px 0 88px;margin-top:64px}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:30px}
footer a{color:inherit;text-decoration:none}
footer ul{list-style:none;padding:0;margin:0}
footer li{margin:.42em 0}
.small{font-size:.88rem;color:#829099}
.mobile-call{display:none;position:fixed;z-index:50;bottom:12px;left:12px;right:12px;background:var(--accent);color:#fff;text-decoration:none;text-align:center;padding:15px;border-radius:999px;font-weight:950;box-shadow:0 10px 30px rgba(0,0,0,.22)}
.kicker{font-weight:850;color:var(--accent)}
.notice{font-size:.9rem;background:var(--soft);border-radius:12px;padding:14px 16px}
@media(max-width:900px){
 .hero-grid,.article-wrap,.grid-3,.grid-2,.related,.footer-grid{grid-template-columns:1fr}
 .hero{padding-top:42px}.hero-art{min-height:300px}
 .navlinks a:not(.btn){display:none}
 .sidebar{position:static}.cta{flex-direction:column;align-items:flex-start}
 .mobile-call{display:block} body{padding-bottom:62px}
}