:root{--teal:#0e6b68;--teal2:#0a504e;--tint:#d9ece9;--gold:#e9a93a;--cream:#fbf6ea;--paper:#fffdf7;--ink:#1c2b2a;--mut:#546664;--line:#dcd6c3}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--cream);color:var(--ink);font:17px/1.65 "Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
img{max-width:100%;height:auto;display:block}
a{color:var(--teal)}a:hover{color:var(--teal2)}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;line-height:1.2;color:var(--teal2);margin:0 0 .5em}
h1{font-size:clamp(1.85rem,4.2vw,2.8rem)}h2{font-size:clamp(1.35rem,2.5vw,1.85rem)}h3{font-size:1.18rem}
p{margin:0 0 1em}
.wrap{max-width:1120px;margin:0 auto;padding:0 18px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:6px 10px;z-index:9}
.tel,.nw{white-space:nowrap}
.sh{background:var(--paper);border-bottom:1px solid var(--line)}
.sh .wrap{display:flex;flex-direction:column;align-items:center;padding-top:14px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--teal2);font-family:Georgia,serif;font-size:1.6rem;font-weight:700}
.brand svg{width:38px;height:38px;flex:none}
.toprow{display:flex;align-items:center;justify-content:center;gap:18px;flex-wrap:nowrap}
.navcta{background:var(--gold);color:var(--ink);text-decoration:none;font-weight:700;font-size:.92rem;white-space:nowrap;padding:7px 16px;border-radius:999px}
.navcta:hover{background:var(--teal);color:#fff}
nav.mainnav ul{list-style:none;margin:0;padding:8px 0 12px;display:flex;gap:6px;justify-content:center}
nav.mainnav a{display:block;text-decoration:none;color:var(--ink);font-weight:600;font-size:.98rem;white-space:nowrap;padding:6px 14px;border-radius:999px}
nav.mainnav a:hover{background:var(--tint)}
nav.mainnav a[aria-current=page]{background:var(--teal);color:#fff}
.hero{padding:34px 0 40px}
.hero .grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.hero .frame{border-radius:28px;overflow:hidden;box-shadow:0 14px 34px rgba(14,107,104,.22);aspect-ratio:5/4;background:var(--tint);border:5px solid var(--paper)}
.hero .frame img{width:100%;height:100%;object-fit:cover;object-position:75% 0%}
.eyebrow{display:inline-block;background:var(--gold);color:#3a2a05;font-weight:700;font-size:.8rem;letter-spacing:.07em;text-transform:uppercase;padding:5px 12px;border-radius:6px;margin-bottom:14px}
.deck{font-size:1.1rem;color:var(--mut)}
.btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:8px}
.btn{display:inline-block;background:var(--teal);color:#fff;text-decoration:none;border:0;border-radius:999px;padding:13px 24px;font-weight:700;font-size:1rem;cursor:pointer}
.btn:hover{background:var(--teal2);color:#fff}
.btn.ghost{background:transparent;color:var(--teal2);border:2px solid var(--teal)}
.trust{background:var(--teal2);color:#eaf5f3}
.trust ul{list-style:none;margin:0;padding:16px 0;display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.trust li{font-size:.94rem}.trust li b{color:var(--gold)}.trust a{color:#ffd98f}
section.band{padding:50px 0}section.band.alt{background:var(--paper)}
.lead{font-size:1.1rem;color:var(--mut);max-width:46em}
.three{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;counter-reset:st}
.three .st{background:var(--paper);border:1px solid var(--line);border-radius:20px;padding:22px}
.three .st::before{counter-increment:st;content:counter(st);display:grid;place-items:center;width:38px;height:38px;border-radius:10px;background:var(--teal);color:#fff;font-weight:800;margin-bottom:10px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:var(--paper);border-radius:20px;overflow:hidden;border:1px solid var(--line);display:flex;flex-direction:column}
.card picture img{aspect-ratio:4/3;object-fit:cover;object-position:50% 0;width:100%}
.card .cb{padding:18px 20px 20px;display:flex;flex-direction:column;gap:6px;flex:1}
.card .rt{font-size:.84rem;color:var(--mut);font-weight:600}
.card h3 a{text-decoration:none}
.card .more{font-weight:700;margin-top:auto}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:34px;align-items:center}
.split .ph2 img{border-radius:24px;aspect-ratio:4/3;object-fit:cover;object-position:50% 0}
.tgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:0}
.term{background:var(--tint);border-radius:14px;padding:14px 16px}
.term dt{font-weight:800;color:var(--teal2)}.term dd{margin:4px 0 0;font-size:.95rem}
.fq{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:14px 18px;margin-bottom:10px}
.fq summary{font-weight:700;cursor:pointer;color:var(--teal2)}.fq .fa{margin-top:8px}
.ctaband{background:var(--teal);color:#fff;border-radius:28px;padding:34px;display:flex;gap:24px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.ctaband h2{color:#fff}.ctaband p{color:#d9ece9;margin:0}.ctaband .btn{background:var(--gold);color:#3a2a05}
.ahead{padding:26px 0 6px}.crumb{font-size:.9rem;color:var(--mut)}
.ahgrid{display:grid;grid-template-columns:1.05fr .95fr;gap:32px;align-items:center}
.ahero{border-radius:22px;overflow:hidden;aspect-ratio:4/3;background:var(--tint)}
.ahero img{width:100%;height:100%;object-fit:cover;object-position:50% 0}
.meta{color:var(--mut);font-size:.92rem}
.prose{max-width:780px}.prose h2{margin-top:1.6em}
.example{background:var(--paper);border-left:6px solid var(--gold);border-radius:12px;padding:18px 20px;margin:1.4em 0}
.chk{background:var(--paper);border:1px solid var(--line);border-radius:16px;padding:20px 22px;margin:1.4em 0}
.steps{margin:0;padding-left:1.3em}.steps li{margin-bottom:.45em}
.tablewrap{margin:1.4em 0}
table{border-collapse:collapse;width:100%;background:var(--paper);font-size:.95rem;table-layout:fixed}
caption{text-align:left;font-weight:700;color:var(--teal2);padding:0 0 8px}
th,td{border:1px solid var(--line);padding:9px 10px;text-align:left;vertical-align:top;overflow-wrap:anywhere}
th{background:var(--tint)}
.qs .qlist{padding-left:1.2em}.terms{margin:1.6em 0}
.related{background:var(--tint);border-radius:16px;padding:6px 20px 12px;margin:2em 0 1em}.related li{margin-bottom:4px}
.note{color:var(--mut);font-size:.92rem}
.formcard{background:var(--paper);border:1px solid var(--line);border-radius:22px;padding:24px;max-width:760px}
.fld{display:flex;flex-direction:column;gap:6px;margin-bottom:14px}.fld label{font-weight:700}
.fld input,.fld select{font:inherit;padding:11px 12px;border:1px solid #b9b49f;border-radius:10px;background:#fff;width:100%}
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:0 16px}
.consent{display:flex;gap:12px;align-items:flex-start;background:var(--cream);border-radius:12px;padding:12px 14px;margin:12px 0}
.consent input{margin-top:5px;width:20px;height:20px;flex:none}.consent label{display:block;font-size:.93rem;line-height:1.55}
.hint{font-size:.9rem;color:var(--mut)}.err{color:#a3123b;font-size:.88rem;min-height:1em}
.form-error{background:#fde8ee;color:#7d0e2c;border-radius:10px;padding:10px 12px;margin-bottom:12px}
.success{display:none;background:var(--tint);border-radius:16px;padding:22px;margin-top:16px}.success.show{display:block}
.hp{position:absolute;left:-5000px;width:1px;height:1px;overflow:hidden}
.sample{background:var(--paper);border:1px solid var(--line);border-radius:16px 16px 16px 4px;padding:14px 16px;margin:10px 0;max-width:640px;overflow-wrap:anywhere}
.sample .lab{display:block;font-size:.78rem;font-weight:800;color:var(--mut);text-transform:uppercase;letter-spacing:.05em;margin-bottom:4px}
.legal h2{font-size:1.3rem;margin-top:1.5em}.updated{color:var(--mut);font-weight:600}
.contactgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.contactgrid .box{background:var(--paper);border:1px solid var(--line);border-radius:16px;padding:20px}
.sf{background:#10302f;color:#d9e6e3;margin-top:56px;padding:38px 0 24px;font-size:.94rem}
.sf a{color:#ffd98f}.sf h3{color:#fff;font-size:1.02rem;font-family:inherit}
.sf .fbrand{max-width:46em;margin-bottom:20px}
.sf .cols{display:grid;grid-template-columns:1fr 1fr 1.3fr 1fr;gap:24px}
.sf ul{list-style:none;margin:0;padding:0}.sf li{margin-bottom:6px}.sf address{font-style:normal}
.sf .fine{border-top:1px solid #2f504e;margin-top:24px;padding-top:16px;color:#b7cbc7;font-size:.86rem}
@media (max-width:900px){
 .hero .grid,.split,.ahgrid{grid-template-columns:1fr}
 .trust ul{grid-template-columns:1fr 1fr}
 .three,.cards,.contactgrid{grid-template-columns:1fr}
 .tgrid{grid-template-columns:1fr 1fr}.sf .cols{grid-template-columns:1fr 1fr}
}
@media (max-width:520px){
 body{font-size:16px}.wrap{padding:0 14px}
 .brand{font-size:1.4rem}
 nav.mainnav ul{gap:0;padding:4px 0 10px}
 nav.mainnav a{font-size:.82rem;padding:6px 8px}
 .hero{padding:18px 0 28px}.hero .frame{aspect-ratio:4/3;border-radius:20px}
 .trust ul{grid-template-columns:1fr}.tgrid,.fgrid,.sf .cols{grid-template-columns:1fr}
 .ctaband{padding:24px}table{font-size:.84rem}th,td{padding:7px 5px}
}
@media print{.sh,.sf,.ctaband,.btns{display:none}}