:root{--ink:#1c2b33;--muted:#55656e;--brand:#0f4c5c;--accent:#f2a541;--bg:#fbfaf7;--card:#fff;--line:#e3e0d8;--max:62rem}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:1rem/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--brand)}a:hover{color:#0a3540}
img,svg{max-width:100%}
.wrap{max-width:var(--max);margin:0 auto;padding:0 1rem}
.skip{position:absolute;left:-999px}.skip:focus{left:1rem;top:1rem;background:#fff;padding:.5rem;z-index:9}
.topbar{background:var(--brand);color:#fff;font-size:.85rem;padding:.45rem 1rem;text-align:center}
.site-header{background:#fff;border-bottom:1px solid var(--line)}
.hdr{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding-top:.7rem;padding-bottom:.5rem}
.logo{display:flex;align-items:center;gap:.5rem;font-weight:700;text-decoration:none;color:var(--ink);font-size:1.05rem}
.nav{display:flex;gap:.25rem 1rem;flex-wrap:wrap;padding-bottom:.6rem;font-size:.92rem}
.nav a{text-decoration:none;color:var(--muted);padding:.25rem 0}
.nav a[aria-current]{color:var(--brand);font-weight:600;border-bottom:2px solid var(--accent)}
main{padding-top:1.5rem;padding-bottom:2rem}
h1{font-size:1.75rem;line-height:1.2;margin:.3rem 0 1rem;color:var(--brand)}
h2{font-size:1.3rem;line-height:1.3;margin:2rem 0 .6rem}
h3{font-size:1.08rem;margin:1.4rem 0 .4rem}
.lede{font-size:1.08rem}
.btn{display:inline-block;background:var(--accent);color:#1c1c1c;font-weight:700;text-decoration:none;border:0;border-radius:.5rem;padding:.8rem 1.2rem;font-size:1rem;cursor:pointer;min-height:44px}
.btn:hover{filter:brightness(.95);color:#1c1c1c}
.btn-sm{padding:.5rem .85rem;font-size:.9rem;min-height:40px}
.btn-ghost{background:transparent;border:2px solid var(--brand);color:var(--brand)}
.cards{display:grid;gap:1rem;margin:1.5rem 0}
.card{background:var(--card);border:1px solid var(--line);border-radius:.75rem;padding:1rem 1.1rem}
.card h2{margin-top:0;font-size:1.1rem}
.tbl{width:100%;border-collapse:collapse;background:#fff;font-size:.95rem}
.tbl th,.tbl td{border:1px solid var(--line);padding:.5rem;text-align:left;vertical-align:top}
.checks li{margin:.3rem 0}
.note,.disclosure-box{background:#eef5f6;border-left:4px solid var(--brand);padding:.8rem 1rem;border-radius:.4rem}
details.faq{background:#fff;border:1px solid var(--line);border-radius:.6rem;padding:.7rem 1rem;margin:.6rem 0}
details.faq summary{font-weight:600;cursor:pointer}
.sources{margin-top:2.5rem;font-size:.9rem;color:var(--muted)}
.sources h2{font-size:1rem}
.quote{background:#fff;border:2px solid var(--brand);border-radius:.9rem;padding:1.1rem;margin:2.5rem 0 1rem}
.quote h2{margin-top:0}
.disclosure-inline{font-size:.92rem;background:#fff7e8;border-radius:.4rem;padding:.6rem .8rem}
.qform label{display:block;font-weight:600;font-size:.95rem;margin:.7rem 0}
.qform input,.qform select,.qform textarea{display:block;width:100%;margin-top:.3rem;font:inherit;padding:.65rem;border:1px solid #b9b5ab;border-radius:.45rem;background:#fff;min-height:44px}
.qform .opt{font-weight:400;color:var(--muted)}
.qform .consent{display:flex;gap:.6rem;font-weight:400;font-size:.88rem;align-items:flex-start}
.qform .consent input{width:1.3rem;height:1.3rem;min-height:0;margin-top:.2rem;flex:0 0 auto}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-status{font-weight:600;min-height:1.2em}
.form-status.err{color:#a4161a}.form-status.ok{color:#1b6b3a}
.site-footer{background:#14323b;color:#dfe8ea;padding:1.5rem 0 2rem;font-size:.9rem}
.site-footer a{color:#fff}
.site-footer .disclosure{background:rgba(255,255,255,.07);padding:.8rem;border-radius:.5rem}
.small{font-size:.8rem;color:#b8c6ca}
@media (min-width:44rem){
  h1{font-size:2.2rem}
  .cards{grid-template-columns:repeat(3,1fr)}
  .row2{display:grid;grid-template-columns:1fr 1fr;gap:0 1rem}
  .quote{padding:1.6rem}
}