:root{--ink:#1b2430;--muted:#556170;--line:#dde3ea;--bg:#fff;--soft:#f4f7fa;--brand:#1f3b57;--accent:#e8a33d;--ok:#1d7a46;--err:#b42318}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--bg)}
.wrap{max-width:960px;margin:0 auto;padding:0 16px}
a{color:var(--brand)}
h1{font-size:clamp(1.7rem,5vw,2.4rem);line-height:1.2;margin:1.2em 0 .4em}
h2{font-size:1.4rem;margin:1.8em 0 .5em}
h3{font-size:1.1rem;margin:1.4em 0 .3em}
.top{border-bottom:1px solid var(--line);background:var(--bg);position:sticky;top:0;z-index:5}
.top .wrap{display:flex;align-items:center;gap:12px;min-height:56px;flex-wrap:wrap}
.brand{font-weight:700;text-decoration:none;color:var(--ink);margin-right:auto}
.top nav{display:flex;gap:14px;flex-wrap:wrap;font-size:.95rem;order:3;width:100%;padding-bottom:8px;overflow-x:auto}
.top nav a{text-decoration:none;color:var(--muted);white-space:nowrap}
.top nav a[aria-current]{color:var(--ink);font-weight:600}
@media(min-width:760px){.top nav{order:0;width:auto;padding:0}}
.btn,button{display:inline-block;background:var(--accent);color:#1b1300;border:0;border-radius:8px;padding:12px 18px;font:inherit;font-weight:700;text-decoration:none;cursor:pointer}
.btn.small{padding:6px 12px;font-size:.9rem}
.lead{font-size:1.15rem;color:var(--muted)}
.hero{padding:8px 0 4px}
.cards{display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));margin:16px 0}
.card{border:1px solid var(--line);border-radius:10px;padding:14px 16px;background:var(--soft)}
.card h3{margin-top:0}
.note{border-left:4px solid var(--accent);background:var(--soft);padding:10px 14px;margin:16px 0}
table{border-collapse:collapse;width:100%;margin:12px 0;font-size:.95rem}
.tbl{overflow-x:auto}
th,td{border-bottom:1px solid var(--line);padding:8px 6px;text-align:left;vertical-align:top}
.faq details{border-bottom:1px solid var(--line);padding:10px 0}
.faq summary{font-weight:600;cursor:pointer}
.cta{background:var(--soft);border:1px solid var(--line);border-radius:12px;padding:4px 16px 16px;margin:32px 0}
form.quote{display:grid;gap:12px}
form.quote .row{display:grid;gap:12px}
@media(min-width:640px){form.quote .row{grid-template-columns:1fr 1fr}}
form.quote label{display:grid;gap:4px;font-weight:600;font-size:.95rem}
input,select,textarea{font:inherit;padding:10px;border:1px solid #b9c3cf;border-radius:8px;background:#fff;width:100%}
form.quote .check{display:flex;gap:8px;align-items:flex-start;font-weight:400}
form.quote .check input{width:auto;margin-top:5px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.privacy{font-size:.85rem;color:var(--muted);margin:0}
.form-msg.ok{color:var(--ok)}.form-msg.err{color:var(--err)}
footer{border-top:1px solid var(--line);margin-top:40px;padding:16px 0 32px;font-size:.9rem;color:var(--muted)}
ul.areas{columns:2}
@media(min-width:640px){ul.areas{columns:3}}