:root{
  --navy:#10324A; --navy-deep:#0B2537; --orange:#DD6B2A; --orange-dark:#C85A1E;
  --light:#F4F6F7; --line:#DCE3E8; --muted:#4A6070; --white:#fff;
  --display:"Bricolage Grotesque","Trebuchet MS",sans-serif;
  --body:"DM Sans",system-ui,-apple-system,"Segoe UI",sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--light);color:var(--navy);font-family:var(--body);font-size:17px;line-height:1.6}
img{max-width:100%}
a{color:var(--orange-dark)}
h1,h2,h3{font-family:var(--display);font-weight:800;letter-spacing:-0.02em;line-height:1.05;margin:0;text-wrap:balance}
h1{font-size:clamp(40px,7vw,76px)}
h2{font-size:clamp(28px,3.6vw,40px)}
h3{font-size:21px;letter-spacing:-0.01em}
p{margin:0}
.wrap{width:min(1080px,100% - 48px);margin-inline:auto}
.skip{position:absolute;left:-9999px;background:var(--navy);color:#fff;padding:12px 18px}
.skip:focus{left:12px;top:12px;z-index:20}

.bar{position:sticky;top:0;z-index:10;background:rgba(244,246,247,.94);border-bottom:1px solid var(--line);
  display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px clamp(16px,4vw,32px)}
.brand img{height:34px;display:block}
.bar nav{display:flex;align-items:center;gap:clamp(12px,2.5vw,26px)}
.bar nav a{color:var(--navy);text-decoration:none;font-weight:500}
.bar nav a:hover{color:var(--orange-dark)}

.btn{display:inline-block;background:var(--orange);color:#fff;text-decoration:none;font-weight:500;
  padding:15px 30px;border-radius:999px;border:2px solid var(--orange);min-height:48px}
.btn:hover{background:var(--orange-dark);border-color:var(--orange-dark)}
.btn-sm{padding:9px 20px;min-height:0}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-ghost:hover{background:var(--navy);color:#fff}
.row{display:flex;flex-wrap:wrap;gap:14px;margin-top:28px}
.btn-off{background:#E3E8EB;border-color:#E3E8EB;color:#6B7F8C;cursor:default}
.btn-off:hover{background:#E3E8EB;border-color:#E3E8EB}

.hero{background:var(--navy);color:var(--light);padding:clamp(64px,10vw,120px) 0}
.hero-in{max-width:760px}
.hero h1{color:#fff}
.hero .lead{margin-top:24px;font-size:clamp(18px,2.2vw,22px);color:#C9D6DF;max-width:62ch}
.hero .btn-ghost{color:#fff;border-color:#fff}
.hero .btn-ghost:hover{background:#fff;color:var(--navy)}

.band{padding:clamp(52px,7vw,84px) 0;border-bottom:1px solid var(--line)}
.band > h2 + *{margin-top:26px}
.cols{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:26px}
.pull{margin-top:32px;font-family:var(--display);font-weight:700;font-size:clamp(21px,2.6vw,28px);line-height:1.25;
  color:var(--navy);border-left:4px solid var(--orange);padding-left:22px;max-width:40ch}
.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin-top:26px}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px;display:flex;flex-direction:column;gap:10px}
.card p{color:var(--muted)}
.note{margin-top:26px;color:var(--muted);max-width:70ch}

.help{background:var(--navy-deep);color:var(--light);padding:clamp(52px,7vw,80px) 0}
.help h2{color:#fff}
.help-list{list-style:none;margin:26px 0 0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.help-list li{display:flex;flex-direction:column;gap:4px;background:rgba(255,255,255,.06);border-radius:12px;padding:18px 20px}
.help-list strong{font-weight:500;color:#fff}
.help-list span{color:#B9C9D4;font-size:15px}
.tiny{margin-top:20px;color:#9FB3C2;font-size:15px}

footer{background:var(--navy);color:#C9D6DF;padding:44px 0}
.foot{display:flex;flex-wrap:wrap;align-items:center;gap:26px;justify-content:space-between}
.foot-logo{height:42px}
.foot-txt{display:flex;flex-direction:column;gap:4px;font-size:15px}
.foot-txt a{color:#fff}
.foot-txt strong{color:#fff;font-weight:500}
.foot-note{color:#9FB3C2;font-size:14px;margin-top:6px}

@media (max-width:760px){
  .cols,.cards,.help-list{grid-template-columns:minmax(0,1fr)}
  .bar nav a:not(.btn){display:none}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}