:root{--white:#fff;--off-white:#f7f7f5;--ink:#0f0f0e;--ink-light:#5a5a56;--ink-lighter:#a0a09a;--accent:#1a47a0;--accent-soft:#e6ecf8;--border:#e8e8e4}
*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:'DM Sans',sans-serif;background:var(--off-white);color:var(--ink);line-height:1.65;font-size:16px}
nav{height:68px;padding:0 40px;display:flex;align-items:center;justify-content:space-between;background:rgba(247,247,245,.95);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:20;backdrop-filter:blur(14px)}
nav img{height:34px;display:block}.nav-links{display:flex;gap:28px;list-style:none;align-items:center}.nav-links a{text-decoration:none;color:var(--ink-light);font-size:.9rem;font-weight:600}.nav-links a:hover,.nav-links a.active{color:var(--accent)}
.nav-cta{background:var(--ink);color:#fff!important;padding:10px 20px;border-radius:999px;text-decoration:none;font-weight:700}
.hero{max-width:1200px;margin:0 auto;padding:110px 40px 80px}.eyebrow{display:inline-block;background:var(--accent-soft);color:var(--accent);font-weight:700;font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;padding:6px 13px;border-radius:999px;margin-bottom:22px}
h1,h2{font-family:'DM Serif Display',serif;letter-spacing:-.03em;line-height:1.08}h1{font-size:clamp(2.8rem,6vw,5.2rem);max-width:920px}h2{font-size:clamp(2rem,4vw,3rem);max-width:780px}
.hero>p{font-size:1.12rem;color:var(--ink-light);max-width:760px;margin-top:24px}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:34px}
.btn{display:inline-flex;text-decoration:none;font-weight:700;border-radius:999px;padding:14px 24px}.btn-primary{background:var(--accent);color:#fff}.btn-secondary{background:#fff;color:var(--ink);border:1px solid var(--border)}
.band{background:#fff;border-top:1px solid var(--border);border-bottom:1px solid var(--border)}.wrap{max-width:1200px;margin:0 auto;padding:82px 40px}
.section-label{font-size:.76rem;text-transform:uppercase;letter-spacing:.1em;font-weight:700;color:var(--ink-lighter);margin-bottom:12px}.lead{color:var(--ink-light);font-size:1.02rem;max-width:820px;margin-top:18px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:40px}.grid.four{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--border);border-radius:16px;padding:28px 24px}.band .card{background:var(--off-white)}.card h3{font-size:1.05rem;margin-bottom:8px}.card p{font-size:.9rem;color:var(--ink-light)}.card a{color:var(--accent);font-weight:700;text-decoration:none}
.checklist{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:14px 28px;margin-top:34px;max-width:920px}.checklist li{background:#fff;border:1px solid var(--border);border-radius:12px;padding:16px 18px;color:var(--ink-light)}.checklist li::before{content:"✓";color:var(--accent);font-weight:800;margin-right:10px}
.answer{background:var(--accent-soft);border:1px solid #c3d4f0;border-radius:18px;padding:26px 28px;margin-top:32px;max-width:920px}.answer strong{color:var(--accent)}
.links{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:34px}.link-card{display:block;background:#fff;border:1px solid var(--border);border-radius:14px;padding:22px;text-decoration:none;color:var(--ink)}.link-card span{display:block;color:var(--accent);font-size:.84rem;font-weight:700;margin-top:10px}
.steps{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:40px}.step{background:#fff;border:1px solid var(--border);border-radius:16px;padding:26px}.step:before{counter-increment:step;content:counter(step);display:flex;width:38px;height:38px;border-radius:50%;align-items:center;justify-content:center;background:var(--accent);color:#fff;font-weight:800;margin-bottom:16px}
.step h3{font-size:1rem;margin-bottom:8px}.step p{font-size:.9rem;color:var(--ink-light)}
.faq{display:grid;gap:14px;margin-top:34px;max-width:900px}.faq-item{background:#fff;border:1px solid var(--border);border-radius:14px;padding:22px}.faq-item h3{font-size:1rem;margin-bottom:8px}.faq-item p{color:var(--ink-light);font-size:.92rem}
.cta{background:var(--ink);color:#fff;text-align:center;padding:78px 40px}.cta h2{margin:0 auto;color:#fff}.cta p{color:rgba(255,255,255,.65);max-width:680px;margin:16px auto 28px}.cta .btn{background:#fff;color:var(--ink)}
.breadcrumbs{font-size:.82rem;color:var(--ink-lighter);margin-bottom:24px}.breadcrumbs a{color:var(--ink-light);text-decoration:none}
footer{padding:34px 40px;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;border-top:1px solid var(--border)}footer img{height:26px;display:block}footer p{font-size:.8rem;color:var(--ink-lighter)}
@media(max-width:900px){nav{padding:0 20px}.nav-links{display:none}.hero,.wrap{padding-left:20px;padding-right:20px}.grid,.grid.four,.checklist,.links,.steps{grid-template-columns:1fr}.cta{padding-left:20px;padding-right:20px}}