:root{
  --navy:#0f2a43; --navy-2:#173d5e; --teal:#1a8a8f; --teal-dark:#116569;
  --gold:#c9a557; --ink:#243342; --muted:#5c6b7a; --bg:#f7f9fb; --card:#fff; --line:#e3e9ef;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Segoe UI',system-ui,-apple-system,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65}
h1,h2,h3,h4{font-family:Georgia,'Times New Roman',serif;color:var(--navy);line-height:1.3}
a{color:var(--teal-dark)}
.wrap{max-width:900px;margin:0 auto;padding:0 22px}

nav{position:sticky;top:0;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);z-index:50;backdrop-filter:blur(6px)}
.nav-in{display:flex;align-items:center;justify-content:space-between;height:64px;max-width:1100px;margin:0 auto;padding:0 22px}
.brand{font-family:Georgia,serif;font-size:1.15rem;color:var(--navy);text-decoration:none;font-weight:bold}
.brand span{color:var(--teal)}
.nav-links{display:flex;gap:22px;align-items:center}
.nav-links a{text-decoration:none;color:var(--ink);font-size:.95rem}
.nav-links a:hover{color:var(--teal-dark)}
.btn{display:inline-block;background:var(--teal);color:#fff !important;padding:11px 22px;border-radius:6px;text-decoration:none;font-weight:600;font-size:.95rem}
.btn:hover{background:var(--teal-dark)}
.menu-toggle{display:none;background:none;border:none;font-size:1.6rem;color:var(--navy);cursor:pointer}

.page-head{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 60%,var(--teal-dark) 100%);color:#fff;padding:60px 0 50px;position:relative;overflow:hidden}
.page-head::before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.07) 1.5px,transparent 1.5px);background-size:26px 26px}
.page-head .wrap{position:relative;z-index:1}
.page-head h1{color:#fff;font-size:2.2rem;margin-bottom:12px;max-width:760px}
.page-head p{color:#cddbe6;max-width:700px;font-size:1.08rem}
.crumb{font-size:.85rem;color:#9fb9cc;margin-bottom:14px}
.crumb a{color:#cddbe6;text-decoration:none}

main{padding:56px 0 70px}
main h2{font-size:1.55rem;margin:40px 0 14px;padding-bottom:12px;position:relative}
main h2:first-child{margin-top:0}
main h2::after{content:"";position:absolute;left:0;bottom:0;width:52px;height:3px;border-radius:2px;background:linear-gradient(90deg,var(--teal),var(--gold))}
main h3{font-size:1.15rem;margin:26px 0 8px}
main p{margin-bottom:15px}
main ul,main ol{margin:0 0 18px 22px}
main li{margin-bottom:8px}
.lead{font-size:1.12rem;color:var(--ink)}

.callout{background:#fff;border:1px solid var(--line);border-left:4px solid var(--teal);border-radius:10px;padding:22px 24px;margin:26px 0}
.callout h3{margin-top:0;font-size:1.08rem}
.callout p:last-child{margin-bottom:0}

table{width:100%;border-collapse:collapse;margin:22px 0;background:#fff;border:1px solid var(--line);border-radius:10px;overflow:hidden;font-size:.96rem}
th,td{padding:13px 16px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
th{background:#eef4f8;color:var(--navy);font-weight:600}
tr:last-child td{border-bottom:none}

.faq{margin-top:10px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;margin-bottom:12px;padding:0}
.faq summary{cursor:pointer;padding:17px 20px;font-weight:600;color:var(--navy);list-style:none;font-family:Georgia,serif}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--teal);font-weight:700;font-size:1.2rem;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq .answer{padding:0 20px 18px;color:var(--muted)}
.faq .answer p{margin-bottom:12px}
.faq .answer p:last-child{margin-bottom:0}

.cta-box{background:linear-gradient(135deg,var(--navy),var(--teal-dark));color:#fff;border-radius:12px;padding:34px;margin:46px 0 0;text-align:center}
.cta-box h2{color:#fff;margin:0 0 10px;padding:0}
.cta-box h2::after{display:none}
.cta-box p{color:#cddbe6;max-width:560px;margin:0 auto 22px}
.phone-big{font-family:Georgia,serif;font-size:1.6rem;color:#fff;text-decoration:none;font-weight:bold;display:inline-block}

.related{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:14px;margin-top:20px}
.related a{background:#fff;border:1px solid var(--line);border-radius:9px;padding:15px 18px;text-decoration:none;color:var(--navy);font-weight:600;font-size:.96rem;display:block}
.related a:hover{border-color:var(--teal);box-shadow:0 6px 18px rgba(15,42,67,.08)}

footer{background:var(--navy);color:#9fb3c2;padding:36px 0;font-size:.85rem;margin-top:60px}
footer .wrap{display:flex;justify-content:space-between;gap:22px;flex-wrap:wrap;max-width:1100px}
footer a{color:#cddbe6}
.disclaimer{max-width:640px}

@media (max-width:820px){
  .page-head h1{font-size:1.7rem}
  .nav-links{display:none;position:absolute;top:64px;left:0;right:0;background:#fff;flex-direction:column;padding:18px 22px;border-bottom:1px solid var(--line);gap:16px}
  .nav-links.open{display:flex}
  .menu-toggle{display:block}
  table{font-size:.9rem}
  th,td{padding:10px 11px}
}