:root {
  --navy: #0f2f4f; --navy-2: #173f66; --orange: #f28c28; --orange-dk: #d9731a;
  --ink: #1b2430; --muted: #5b6776; --line: #dde3ea; --bg: #f6f8fb; --card: #fff;
}
* { box-sizing: border-box; }
body { margin: 0; font: 17px/1.6 Inter, system-ui, sans-serif; color: var(--ink); background: var(--bg); }
a { color: var(--navy-2); }
.wrap { max-width: 1100px; margin: 0 auto; padding: 0 16px; }
.small { font-size: .85rem; color: var(--muted); }

.top { background: var(--navy); color: #fff; }
.top .wrap { display: flex; align-items: center; justify-content: space-between; gap: 12px; min-height: 60px; flex-wrap: wrap; }
.brand { color: #fff; text-decoration: none; font-weight: 800; font-size: 1.1rem; }
.brand span { color: var(--orange); }
.top nav { display: flex; gap: 16px; align-items: center; flex-wrap: wrap; }
.top nav a { color: #dbe6f2; text-decoration: none; font-weight: 600; }
.top nav a.nav-cta, .top nav .btn-call { background: var(--orange); color: #fff; padding: 6px 14px; border-radius: 8px; }
.top nav .btn-call span { display: none; }

main.wrap { padding-top: 28px; padding-bottom: 40px; }
h1 { font-size: clamp(1.7rem, 4vw, 2.4rem); line-height: 1.2; margin: 0 0 12px; color: var(--navy); }
h2 { color: var(--navy); margin-top: 1.8em; }
.lede { font-size: 1.15rem; color: #34414f; }
.crumb { font-size: .85rem; color: var(--muted); margin: 0 0 8px; }

.hero { display: grid; grid-template-columns: 1.2fr 1fr; gap: 28px; align-items: start; }
.now { background: #fff4e8; border: 1px solid #f6cfa6; border-radius: 12px; padding: 4px 18px 10px; margin-top: 18px; }
.now h2 { margin-top: 12px; font-size: 1.1rem; }

.btn { display: inline-block; background: var(--orange); color: #fff; font-weight: 800; border: 0; border-radius: 10px;
  padding: 14px 20px; font-size: 1.05rem; cursor: pointer; text-decoration: none; font-family: inherit; }
.btn:hover { background: var(--orange-dk); }
.btn-call span { display: block; font-size: 1.3rem; }

.lead { background: var(--card); border: 1px solid var(--line); border-radius: 14px; padding: 20px; box-shadow: 0 6px 24px rgba(15,47,79,.08); }
.lead h2 { margin: 0 0 4px; font-size: 1.25rem; }
.lead label { display: block; font-weight: 600; font-size: .95rem; margin-top: 12px; }
.lead input:not([type=checkbox]), .lead select { display: block; width: 100%; margin-top: 4px; padding: 11px 12px; font: inherit;
  border: 1px solid #c3ccd6; border-radius: 8px; background: #fff; }
.lead .consent { font-weight: 400; font-size: .8rem; color: var(--muted); display: flex; gap: 8px; align-items: flex-start; }
.lead .consent input { margin-top: 4px; }
.lead .btn { width: 100%; margin-top: 16px; }
.lead .hp { position: absolute; left: -9999px; }

.page { display: grid; grid-template-columns: minmax(0, 1fr) 340px; gap: 32px; align-items: start; }
.cta { position: sticky; top: 16px; }
.cta-call { margin-bottom: 14px; }
.cta-call .btn { width: 100%; text-align: center; }
.prose { max-width: 720px; }
.prose li { margin: 6px 0; }
.prose table { border-collapse: collapse; width: 100%; background: #fff; font-size: .95rem; }
.prose th, .prose td { border: 1px solid var(--line); padding: 8px 10px; text-align: left; vertical-align: top; }
.prose th { background: #eef3f8; }
details { background: #fff; border: 1px solid var(--line); border-radius: 10px; padding: 10px 14px; margin: 8px 0; }
summary { font-weight: 600; cursor: pointer; }
.facts dt { font-weight: 800; color: var(--navy); margin-top: 10px; }
.facts dd { margin: 2px 0 0; }
.sources { margin-top: 24px; }

.cards { list-style: none; padding: 0; display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 14px; }
.cards a { display: block; height: 100%; background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 16px; text-decoration: none; color: var(--ink); }
.cards a:hover { border-color: var(--orange); }
.cards b { display: block; color: var(--navy); margin-bottom: 6px; }
.cards span { font-size: .9rem; color: var(--muted); }

.foot { background: var(--navy); color: #c9d6e3; padding: 28px 0; font-size: .9rem; }
.foot a { color: #fff; }
.foot-brand { color: #fff; font-weight: 800; }

@media (max-width: 860px) {
  .hero, .page { grid-template-columns: 1fr; }
  .cta { position: static; }
}