:root{
  --navy:#0f2a43;--navy-2:#16395c;--blue:#2274ce;--blue-d:#1a5da8;
  --green:#1f9d61;--bg:#f6f9fc;--ink:#1c2b3a;--mut:#5b6f83;--line:#dde7f0;
  --rad:12px;--shadow:0 10px 30px rgba(15,42,67,.10);
}
*{margin:0;padding:0;box-sizing:border-box}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.55}
.container{max-width:1100px;margin:0 auto;padding:0 20px}
h1{font-size:2.5rem;line-height:1.15;letter-spacing:-.02em}
h2{font-size:1.9rem;margin-bottom:1.2rem;letter-spacing:-.01em}
h3{font-size:1.12rem;margin-bottom:.4rem}
a{color:var(--blue);text-decoration:none}

/* nav */
.nav{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:50}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:62px}
.logo{font-weight:800;font-size:1.3rem;color:var(--navy)}
.logo span{color:var(--blue)}
.nav-links{display:flex;gap:22px;align-items:center;font-size:.95rem}
.nav-links a{color:var(--ink)}

/* buttons */
.btn{display:inline-block;background:var(--green);color:#fff;font-weight:700;border:none;border-radius:8px;padding:12px 22px;cursor:pointer;font-size:1rem;transition:background .15s}
.btn:hover{background:#187e4e}
.btn-lg{padding:15px 28px;font-size:1.08rem}
.btn-sm{padding:8px 16px;font-size:.9rem}
.btn-block{width:100%}
.link-btn{background:none;border:none;color:var(--mut);cursor:pointer;font-size:.9rem}

/* hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 60%,#1d4a77 100%);color:#fff;padding:64px 0 72px}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:start}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:700;color:#8fc1f2;margin-bottom:12px}
.sub{font-size:1.13rem;color:#d7e5f2;margin:16px 0 20px}
.checks{list-style:none;margin:0 0 26px}
.checks li{padding-left:28px;position:relative;margin-bottom:10px;color:#e8f1fa}
.checks li:before{content:"✓";position:absolute;left:0;color:#5fd99a;font-weight:800}
.tiny{font-size:.8rem;color:#9db4c9;margin-top:12px}

/* form card */
.form-card{background:#fff;color:var(--ink);border-radius:var(--rad);box-shadow:var(--shadow);padding:26px}
.progress{height:6px;background:var(--line);border-radius:3px;margin-bottom:20px;overflow:hidden}
.progress-bar{height:100%;width:16%;background:var(--green);border-radius:3px;transition:width .25s}
.step{display:none;border:none}
.step.active{display:block}
.step h3{font-size:1.15rem;margin-bottom:14px}
.opts{display:grid;gap:10px}
.opts button{display:block;width:100%;text-align:left;padding:13px 16px;border:1.5px solid var(--line);border-radius:9px;background:#fff;font-size:1rem;cursor:pointer;transition:all .12s;color:var(--ink)}
.opts button:hover{border-color:var(--blue);background:#f2f8fe}
.opts button.sel{border-color:var(--blue);background:#e8f3fd;font-weight:600}
.fields{display:grid;gap:10px;margin-bottom:14px}
.fields input{padding:12px 14px;border:1.5px solid var(--line);border-radius:9px;font-size:1rem}
.fields input:focus{outline:none;border-color:var(--blue)}
.step-nav{display:flex;justify-content:space-between;align-items:center;margin-top:16px}
.step-count{font-size:.82rem;color:var(--mut)}
.hp{display:none}

/* strip */
.strip{background:var(--bg);border-bottom:1px solid var(--line)}
.strip-inner{display:grid;grid-template-columns:repeat(4,1fr);text-align:center;padding:26px 0;gap:12px}
.strip strong{display:block;font-size:1.5rem;color:var(--navy)}
.strip span{font-size:.85rem;color:var(--mut)}

/* sections */
.how{padding:64px 20px}
.why{background:var(--bg);padding:64px 0}
.cols3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.cols2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--rad);padding:24px}
.card p{color:var(--mut);font-size:.95rem}
.num{display:inline-flex;width:34px;height:34px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;align-items:center;justify-content:center;margin-bottom:12px}
.center{text-align:center;margin-top:34px}

/* article/guide pages */
.article{max-width:760px;margin:0 auto;padding:48px 20px}
.article h1{font-size:2.1rem;margin-bottom:8px}
.article .byline{color:var(--mut);font-size:.9rem;margin-bottom:28px}
.article h2{font-size:1.5rem;margin:36px 0 12px}
.article h3{font-size:1.15rem;margin:24px 0 8px}
.article p,.article li{color:#33475b;margin-bottom:14px;font-size:1.03rem}
.article ul,.article ol{padding-left:24px;margin-bottom:16px}
.article table{width:100%;border-collapse:collapse;margin:18px 0;font-size:.95rem}
.article th,.article td{border:1px solid var(--line);padding:10px 12px;text-align:left}
.article th{background:var(--bg)}
.cta-box{background:var(--navy);color:#fff;border-radius:var(--rad);padding:28px;text-align:center;margin:36px 0}
.cta-box h3{color:#fff;font-size:1.3rem;margin-bottom:8px}
.cta-box p{color:#c9dcee !important}

/* footer */
.footer{border-top:1px solid var(--line);padding:28px 0;background:#fff}
.footer-inner{display:flex;justify-content:space-between;align-items:center;font-size:.88rem;color:var(--mut);flex-wrap:wrap;gap:12px}
.footer nav{display:flex;gap:18px}

/* thank you */
.ty{max-width:640px;margin:80px auto;text-align:center;padding:0 20px}
.ty .big{font-size:3rem}

@media(max-width:860px){
  h1{font-size:1.9rem}
  .hero-grid{grid-template-columns:1fr;gap:32px}
  .cols3,.cols2{grid-template-columns:1fr}
  .strip-inner{grid-template-columns:repeat(2,1fr)}
  .nav-links a:not(.btn){display:none}
}