:root{--ink:#1c2230;--muted:#4c5566;--bg:#f8f9fb;--panel:#eaeef5;--brand:#27406b;--brand-d:#1a2c4d;--accent:#e0662f;--line:#d6dce6;--max:1060px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);padding-bottom:64px}
a{color:var(--brand-d)}a:hover{color:var(--accent)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 18px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:9}
.top{background:#fff;border-bottom:1px solid var(--line)}
.top-inner{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:8px;padding-top:12px;padding-bottom:12px}
.brand{font-weight:800;font-size:1.1rem;text-decoration:none;color:var(--brand-d);letter-spacing:-.01em}
nav ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:4px 14px}
nav a{text-decoration:none;font-size:.95rem;display:inline-block;padding:10px 2px;min-height:44px}
.hero{background:linear-gradient(160deg,var(--brand) 0%,var(--brand-d) 100%);color:#fff;padding:44px 0 40px}
.hero h1{font-size:clamp(1.8rem,5vw,2.6rem);line-height:1.15;margin:.2em 0 .4em;letter-spacing:-.02em}
.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:.8rem;opacity:.85;margin:0}
.lede{font-size:1.1rem;max-width:640px;opacity:.95}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin:18px 0}
.btn{display:inline-flex;align-items:center;min-height:48px;padding:0 20px;border-radius:8px;font-weight:700;text-decoration:none}
.btn-call{background:var(--accent);color:#fff}.btn-call:hover{color:#1a0d05;filter:brightness(1.05)}
.btn-alt{background:#fff;color:var(--brand-d);border:2px solid var(--brand)}
.hero .btn-alt{border-color:#fff}
.content{padding-top:28px;padding-bottom:40px}
.content>*{max-width:46rem}
.content h1{font-size:clamp(1.7rem,4.5vw,2.3rem);line-height:1.2;letter-spacing:-.02em;margin-top:.2em}
.content h2{font-size:1.4rem;margin-top:1.8em;color:var(--brand-d)}
.content h3{font-size:1.12rem;margin-top:1.4em}
.content table{border-collapse:collapse;width:100%;margin:1em 0;font-size:.95rem}
.content th,.content td{border:1px solid var(--line);padding:8px 10px;text-align:left;vertical-align:top}
.content th{background:var(--panel)}
.note{background:var(--panel);border-left:4px solid var(--brand);padding:12px 16px;border-radius:4px}
.foot{background:#1a2233;color:#d5dbe6;padding:28px 0;font-size:.92rem}
.foot a{color:#fff}.disclosure{max-width:760px}
.callbar{position:fixed;left:0;right:0;bottom:0;background:var(--accent);color:#fff;text-align:center;font-weight:800;padding:14px;text-decoration:none;min-height:52px;z-index:5}
@media(min-width:900px){.callbar{display:none}body{padding-bottom:0}}