:root{--blue:#0b4f8a;--blue2:#0e6bbd;--ink:#1b2430;--muted:#5b6676;--bg:#f5f8fb;--line:#dde5ee;--warn:#fff6db;--call:#d9480f}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:#fff;padding-bottom:64px}
a{color:var(--blue2)}
h1,h2,h3{line-height:1.25;color:#0d2740}
h1{font-size:1.9rem;margin:.6em 0 .4em}
h2{font-size:1.35rem;margin:1.6em 0 .5em}
h3{font-size:1.1rem;margin:1.2em 0 .4em}
.wrap{max-width:1040px;margin:0 auto;padding:0 18px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:9}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.hdr{display:flex;align-items:center;gap:14px;padding-top:10px;padding-bottom:10px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:8px;text-decoration:none;color:#0d2740;font-size:1.02rem;margin-right:auto}
.brand b{color:var(--blue)}
.nav{display:flex;gap:16px;order:3;width:100%;overflow-x:auto;white-space:nowrap;padding-bottom:2px;-webkit-overflow-scrolling:touch}
.nav a{text-decoration:none;color:var(--ink);font-size:.95rem}
.nav a[aria-current]{color:var(--blue);font-weight:600}
.btn{display:inline-block;text-decoration:none;border-radius:10px;padding:12px 18px;font-weight:700}
.btn-call{background:var(--call);color:#fff}
.btn-call:hover{filter:brightness(1.08)}
.btn-ghost{border:2px solid var(--blue);color:var(--blue)}
.hdr-call{display:none;padding:8px 14px}
.disclose{background:var(--warn);border-top:1px solid #f1e2b3;font-size:.82rem;line-height:1.45}
.disclose .wrap{padding-top:6px;padding-bottom:6px}
.crumbs{font-size:.85rem;color:var(--muted);margin-top:14px}
.crumbs a{color:var(--muted)}
.hero{background:linear-gradient(135deg,#0b4f8a,#0e6bbd);color:#fff;border-radius:16px;padding:26px 22px;margin:18px 0}
.hero h1{color:#fff;margin-top:0}
.hero p{font-size:1.05rem;margin:.4em 0 1em}
.hero .btn{margin:6px 8px 0 0}
.hero .btn-ghost{border-color:#fff;color:#fff}
.ph-note{display:block;font-size:.8rem;opacity:.9;margin-top:8px}
.grid{display:grid;grid-template-columns:1fr;gap:14px}
.card{border:1px solid var(--line);border-radius:12px;padding:16px 18px;background:#fff}
.card h3{margin-top:0}
.card a.more{font-weight:600}
.box{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:16px 18px;margin:18px 0}
.box.alert{background:#fff1f0;border-color:#f5c2bd}
.steps{counter-reset:s;list-style:none;padding:0}
.steps li{counter-increment:s;position:relative;padding:0 0 12px 44px}
.steps li:before{content:counter(s);position:absolute;left:0;top:0;width:30px;height:30px;border-radius:50%;background:var(--blue);color:#fff;text-align:center;line-height:30px;font-weight:700}
.towns{display:grid;grid-template-columns:repeat(2,1fr);gap:8px;padding:0;list-style:none}
.towns a{display:block;border:1px solid var(--line);border-radius:10px;padding:10px 12px;text-decoration:none;font-weight:600}
.cta{border:2px solid var(--call);border-radius:14px;padding:18px;margin:26px 0;text-align:center}
.cta p{margin:.2em 0 .8em}
table{border-collapse:collapse;width:100%;font-size:.95rem}
td,th{border:1px solid var(--line);padding:8px;text-align:left;vertical-align:top}
th{background:var(--bg)}
.faq details{border:1px solid var(--line);border-radius:10px;padding:10px 14px;margin:8px 0}
.faq summary{font-weight:600;cursor:pointer}
.sources{font-size:.9rem}
.sources li{margin:4px 0;word-break:break-word}
.muted{color:var(--muted)}
.site-footer{background:#0d2740;color:#cfd9e4;margin-top:40px;padding:26px 0;font-size:.9rem}
.site-footer a{color:#fff;display:block;text-decoration:none;margin:3px 0}
.site-footer .disclose-foot a{display:inline;text-decoration:underline}
.site-footer h3{color:#fff;font-size:1rem}
.site-footer .muted{color:#9fb0c2}
.foot-cols{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.callbar{position:fixed;left:0;right:0;bottom:0;z-index:10;background:var(--call);box-shadow:0 -2px 10px rgba(0,0,0,.2)}
.callbar a{display:block;text-align:center;color:#fff;font-weight:800;font-size:1.1rem;padding:15px 10px;text-decoration:none}
@media (min-width:760px){
  body{padding-bottom:0}
  .callbar{display:none}
  .nav{order:0;width:auto;overflow:visible}
  .hdr-call{display:inline-block}
  .grid{grid-template-columns:repeat(2,1fr)}
  .grid.three{grid-template-columns:repeat(3,1fr)}
  .towns{grid-template-columns:repeat(5,1fr)}
  .foot-cols{grid-template-columns:repeat(4,1fr)}
  h1{font-size:2.3rem}
  .hero{padding:40px 38px}
}