:root{--b:#0b5cad;--bd:#084a8c;--ink:#1d2330;--mut:#5a6475;--bg:#f6f8fb;--line:#dde3ec}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:#fff}
a{color:var(--b)}h1{font-size:2rem;line-height:1.2;margin:.6rem 0 1rem}h2{font-size:1.35rem;margin:2rem 0 .6rem}h3{font-size:1.08rem;margin:1.2rem 0 .3rem}
.wrap{max-width:900px;margin:0 auto;padding:0 1.1rem}
.site-header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:5}
.hdr{display:flex;align-items:center;gap:1rem;flex-wrap:wrap;padding:.6rem 1.1rem}
.logo{font-weight:800;color:var(--ink);text-decoration:none;margin-right:auto}
.nav a{margin-right:.9rem;text-decoration:none;color:var(--ink);font-size:.95rem}
.hdr-cta{display:flex;gap:.6rem;align-items:center}.hdr-phone{font-weight:700;text-decoration:none}
.btn{display:inline-block;background:var(--b);color:#fff;text-decoration:none;padding:.55rem 1rem;border-radius:7px;font-weight:700;border:0;cursor:pointer;font-size:1rem}
.btn:hover{background:var(--bd)}.btn-lg{padding:.8rem 1.3rem;font-size:1.08rem}.btn-alt{background:#fff;color:var(--b);border:2px solid var(--b)}
.hero{padding:1.5rem 0 .5rem}.lead{font-size:1.1rem;color:#333}
.cta{background:var(--bg);border:1px solid var(--line);border-left:4px solid var(--b);padding:1rem 1.1rem;border-radius:8px;margin:1.5rem 0}.cta p{margin:0 0 .7rem}
.grid{list-style:none;padding:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:.7rem}
.grid a{display:block;border:1px solid var(--line);border-radius:8px;padding:.8rem .9rem;text-decoration:none;color:var(--ink);height:100%}
.grid a:hover{border-color:var(--b)}.grid strong{display:block;color:var(--b)}.grid span{font-size:.92rem;color:var(--mut)}
.steps li{margin-bottom:.4rem}.crumbs{font-size:.88rem;color:var(--mut);margin-top:1rem}
.answer{background:#eef6ff;border-left:4px solid var(--b);padding:.8rem 1rem}.warn{background:#fff4e5;border-left:4px solid #e08a00;padding:.8rem 1rem}
table{border-collapse:collapse;width:100%;font-size:.95rem}td,th{border:1px solid var(--line);padding:.5rem;text-align:left;vertical-align:top}th{background:var(--bg)}
.quote{display:grid;gap:.8rem;max-width:560px}.quote label{display:grid;gap:.25rem;font-weight:600}
.quote input,.quote select,.quote textarea{font:inherit;padding:.55rem .6rem;border:1px solid #b9c3d1;border-radius:6px;width:100%}
.quote .check{display:flex;gap:.5rem;font-weight:400;font-size:.93rem;align-items:flex-start}.quote .check input{width:auto;margin-top:.3rem}
.hp{position:absolute;left:-9999px;width:1px;height:1px;opacity:0}.form-msg{font-weight:600;color:#a33}
.site-footer{margin-top:3rem;background:var(--bg);border-top:1px solid var(--line);padding:1.5rem 0 1rem;font-size:.93rem}
.site-footer h2{font-size:1rem;margin:.5rem 0}.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin:.2rem 0}
.cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:1.2rem}.small{font-size:.85rem;color:var(--mut)}
@media(max-width:600px){h1{font-size:1.6rem}.nav{order:3;width:100%}.hdr-cta .btn{padding:.5rem .8rem}}