*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
--ink:#0f1519; --slate:#1d2a33; --steel:#3d5261; --mist:#eef1f2; --paper:#fbfaf8;
--copper:#c25f18; --copper-dk:#9c4a10; --flame:#e8912c; --trust:#1c5a44; --line:#d8dde0;
--wrap:820px;
}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
line-height:1.65;color:var(--ink);background:var(--paper);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--copper-dk)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-9999px}
.skip:focus{position:static;display:block;background:var(--flame);color:var(--ink);padding:10px}

/* header */
.top{background:var(--ink);color:#fff;padding:14px 0;position:sticky;top:0;z-index:50}
.top .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:12px}
.brand{font-weight:700;font-size:1.06rem;letter-spacing:-.01em;color:#fff;text-decoration:none}
.brand span{color:var(--flame)}
.call{display:inline-flex;align-items:center;gap:9px;background:var(--copper);color:#fff;
text-decoration:none;font-weight:700;padding:11px 19px;border-radius:4px;font-size:1.06rem;
border:1px solid var(--copper);transition:background .15s}
.call:hover{background:var(--copper-dk)}
.call small{display:block;font-weight:500;font-size:.66rem;opacity:.9;letter-spacing:.04em;
text-transform:uppercase;line-height:1.2}
nav{background:var(--slate);border-bottom:3px solid var(--copper)}
nav .wrap{display:flex;flex-wrap:wrap;gap:2px}
nav a{color:#cbd6dd;text-decoration:none;padding:13px 15px;font-size:.9rem;font-weight:500}
nav a:hover{color:#fff;background:rgba(255,255,255,.07)}
nav a[aria-current]{color:var(--flame);box-shadow:inset 0 -3px 0 var(--flame)}

/* hero */
.hero{background:linear-gradient(160deg,var(--slate) 0%,var(--ink) 100%);color:#fff;
padding:52px 0;border-bottom:4px solid var(--copper)}
.hero h1{font-size:clamp(1.6rem,4.4vw,2.3rem);line-height:1.2;letter-spacing:-.02em;margin-bottom:14px}
.hero p{font-size:1.07rem;color:#c9d4db;max-width:600px}
.hero .cta{margin-top:26px;display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.hero .call{font-size:1.14rem;padding:14px 24px}
.hero .alt{border:1px solid #4a5f6d;color:#dfe7eb;text-decoration:none;padding:14px 22px;
border-radius:4px;font-weight:600;font-size:.95rem}
.hero .alt:hover{border-color:var(--flame);color:var(--flame)}

/* sections */
section{padding:44px 0}
section+section{border-top:1px solid var(--line)}
h2{font-size:clamp(1.28rem,3vw,1.62rem);letter-spacing:-.015em;margin-bottom:8px;line-height:1.28}
h3{font-size:1.07rem;margin-bottom:7px;letter-spacing:-.005em}
.lede{color:var(--steel);max-width:660px;margin-bottom:26px}
p+p{margin-top:13px}
.prose p{max-width:680px}

/* cards */
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px}
.card{background:#fff;border:1px solid var(--line);border-left:4px solid var(--copper);
padding:20px;border-radius:4px}
.card h3{color:var(--slate)}
.card p{font-size:.94rem;color:var(--steel)}
.card a{font-weight:600;font-size:.92rem;text-decoration:none;display:inline-block;margin-top:9px}
.card a:hover{text-decoration:underline}

/* trust */
.trust{background:var(--mist)}
.trust ul{list-style:none;display:grid;gap:13px;grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.trust li{padding-left:29px;position:relative;font-size:.95rem}
.trust li::before{content:"";position:absolute;left:0;top:.42em;width:15px;height:15px;
background:var(--trust);border-radius:50%}
.trust li::after{content:"";position:absolute;left:4.5px;top:.72em;width:5px;height:9px;
border:solid #fff;border-width:0 2px 2px 0;transform:rotate(45deg)}

/* table */
.tw{overflow-x:auto;margin-top:8px}
table{border-collapse:collapse;width:100%;font-size:.92rem;background:#fff}
th,td{text-align:left;padding:11px 13px;border:1px solid var(--line)}
th{background:var(--slate);color:#fff;font-weight:600;font-size:.86rem;
letter-spacing:.02em;text-transform:uppercase}
tbody tr:nth-child(even){background:#f7f9fa}

/* faq */
.faq details{background:#fff;border:1px solid var(--line);border-radius:4px;margin-bottom:9px}
.faq summary{padding:15px 18px;cursor:pointer;font-weight:600;font-size:.98rem;list-style:none;
display:flex;justify-content:space-between;gap:14px;align-items:flex-start}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--copper);font-weight:700;font-size:1.3rem;line-height:1}
.faq details[open] summary::after{content:"\2013"}
.faq details[open] summary{border-bottom:1px solid var(--line)}
.faq .a{padding:15px 18px;font-size:.94rem;color:var(--steel)}

/* notice */
.notice{background:#fff8ef;border:1px solid #f0dcc4;border-left:4px solid var(--flame);
padding:17px 20px;border-radius:4px;font-size:.94rem}
.notice strong{color:var(--copper-dk)}

/* areas */
.areas{display:flex;flex-wrap:wrap;gap:7px;list-style:none;margin-top:6px}
.areas li a{background:#fff;border:1px solid var(--line);padding:7px 13px;border-radius:3px;
font-size:.88rem;text-decoration:none;color:var(--steel);display:inline-block}
.areas li a:hover{border-color:var(--copper);color:var(--copper-dk)}

/* cta band */
.band{background:var(--trust);color:#fff;text-align:center}
.band h2{color:#fff}
.band p{color:#cfe3da;margin-bottom:22px}
.band .call{background:#fff;color:var(--trust);border-color:#fff}
.band .call:hover{background:var(--flame);border-color:var(--flame);color:var(--ink)}

/* footer */
footer{background:var(--ink);color:#8b9aa4;padding:38px 0 26px;font-size:.88rem}
footer a{color:#b6c5cd;text-decoration:none}
footer a:hover{color:var(--flame);text-decoration:underline}
footer .cols{display:grid;gap:26px;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));
margin-bottom:26px}
footer strong{color:#fff;display:block;margin-bottom:9px;font-size:.82rem;letter-spacing:.06em;
text-transform:uppercase}
footer ul{list-style:none;display:grid;gap:6px}
.legal{border-top:1px solid #26343d;padding-top:19px;font-size:.81rem;color:#6f7f89;line-height:1.7}
.legal p+p{margin-top:9px}
@media(max-width:560px){
.top .wrap{justify-content:center;text-align:center}
nav .wrap{justify-content:center}
section{padding:34px 0}
}