:root{--navy:#042C53;--navy2:#0C447C;--gold:#EF9F27;--gold2:#BA7517;--ink:#1a2433;--muted:#5b6675;--line:#e4e8ee;--bg:#ffffff;--bg2:#f5f7fa;--sky:#E6F1FB;--espresso:#412402}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;color:var(--ink);line-height:1.7;background:var(--bg);-webkit-font-smoothing:antialiased}
a{color:var(--navy2);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:1080px;margin:0 auto;padding:0 24px}
.btn{display:inline-block;font-weight:500;border-radius:8px;padding:13px 24px;font-size:15px;cursor:pointer;border:1px solid transparent;transition:.15s}
.btn-gold{background:var(--gold);color:var(--espresso)}
.btn-gold:hover{background:#f2ab47;text-decoration:none}
.btn-ghost{background:transparent;color:#fff;border:1px solid #85B7EB}
.btn-ghost:hover{background:rgba(255,255,255,.08);text-decoration:none}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy2);text-decoration:none}
header.site{position:sticky;top:0;z-index:50;background:var(--navy);border-bottom:1px solid rgba(255,255,255,.1)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:74px;gap:32px}
.logo{display:flex;align-items:center;gap:9px;font-size:21px;font-weight:600;color:#fff;flex:none;white-space:nowrap}
.logo:hover{text-decoration:none}
.logo b{color:var(--gold);font-weight:600}
.logo svg{width:26px;height:26px}
nav.main{display:flex;align-items:center;gap:30px;margin:0 auto}
nav.main a{color:#cfe0f5;font-size:14.5px;white-space:nowrap;font-weight:400}
nav.main a:hover{color:#fff;text-decoration:none}
.nav-right{display:flex;align-items:center;gap:22px;flex:none}
.nav-right .phone{color:#fff;display:flex;align-items:center;gap:6px;font-size:14.5px;white-space:nowrap}
.nav-right .phone i{color:var(--gold);font-style:normal}
.navcta{background:var(--gold);color:var(--espresso);padding:10px 18px;border-radius:8px;font-weight:500;white-space:nowrap}
.navcta:hover{text-decoration:none;background:#f2ab47}
.menu-btn{display:none;background:none;border:0;color:#fff;font-size:26px;cursor:pointer}
section{padding:56px 0}
.hero{background:var(--navy);color:#fff;text-align:center;padding:72px 0 80px}
.hero .chip{display:inline-block;background:var(--navy2);color:#B5D4F4;font-size:13px;padding:6px 14px;border-radius:8px;margin-bottom:18px}
.hero h1{font-size:46px;font-weight:600;line-height:1.1;letter-spacing:-.5px;margin-bottom:16px}
.hero p.sub{font-size:18px;color:#B5D4F4;max-width:600px;margin:0 auto 28px}
.hero .ctas{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
.trust{background:var(--navy2);color:#B5D4F4;padding:14px 0;font-size:13.5px}
.trust .wrap{display:flex;gap:26px;justify-content:center;flex-wrap:wrap;align-items:center}
.trust span{display:flex;align-items:center;gap:7px}
.sureties{background:var(--bg2);padding:26px 0;text-align:center}
.sureties .lbl{font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:14px}
.sureties .row{display:flex;flex-wrap:wrap;gap:14px 34px;justify-content:center;align-items:center}
.sureties .row b{font-size:17px;color:var(--navy);font-weight:600;opacity:.8}
.sureties .row .logo-chip{background:#fff;border:1px solid var(--line);border-radius:10px;padding:13px 22px;font-size:15px;font-weight:600;color:var(--navy);box-shadow:0 1px 3px rgba(4,44,83,.06)}
.explain{max-width:820px;margin:0 auto;text-align:center}
.explain p{color:var(--muted);font-size:17px;margin-top:14px;line-height:1.8}
.parties{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:30px;text-align:left}
.party{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px}
.party .t{font-weight:600;color:var(--navy);margin-bottom:6px}
.party p{font-size:14px;color:var(--muted)}
.faq-acc{max-width:760px;margin:24px auto 0}
.faq-acc details{border:1px solid var(--line);border-radius:10px;margin-bottom:10px;background:#fff}
.faq-acc summary{cursor:pointer;padding:16px 20px;font-weight:500;font-size:16px;color:var(--navy);list-style:none;display:flex;justify-content:space-between;align-items:center;gap:12px}
.faq-acc summary::-webkit-details-marker{display:none}
.faq-acc summary::after{content:"+";font-size:22px;color:var(--gold2);line-height:1}
.faq-acc details[open] summary::after{content:"−"}
.faq-acc .a{padding:0 20px 16px;color:var(--muted);font-size:15.5px;line-height:1.7}
.inline-cta .ic-t{font-size:19px;font-weight:600;color:var(--navy);margin-bottom:4px}
.inline-cta .ic-s{color:var(--muted);font-size:15px;margin-bottom:16px}
.inline-cta .btn{margin:4px 4px 0}
.related{margin-top:26px;font-size:14px;color:var(--muted);border-top:1px solid var(--line);padding-top:18px}
.related span{font-weight:600;color:var(--ink)}
.related a{margin-left:12px;white-space:nowrap;display:inline-block;margin-top:4px}
.mobilebar{display:none}
h2.center{text-align:center;font-size:30px;font-weight:600;letter-spacing:-.3px}
.lead{text-align:center;color:var(--muted);max-width:620px;margin:8px auto 0;font-size:17px}
.grid{display:grid;gap:18px;margin-top:34px}
.g4{grid-template-columns:repeat(4,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px}
.card .ic{width:42px;height:42px;border-radius:10px;background:var(--sky);color:var(--navy);display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:14px}
.card h3{font-size:18px;font-weight:600;margin-bottom:6px}
.card h3 a{color:var(--ink)}
.card p{color:var(--muted);font-size:14.5px}
.card .more{display:inline-block;margin-top:10px;font-size:14px;font-weight:500;color:var(--navy2)}
.steps{counter-reset:s}
.step{text-align:center}
.step .n{width:44px;height:44px;border-radius:50%;background:var(--sky);color:var(--navy);font-weight:600;display:flex;align-items:center;justify-content:center;margin:0 auto 12px;font-size:18px}
.step h3{font-size:16px;font-weight:600;margin-bottom:4px}
.step p{color:var(--muted);font-size:14px}
.alt{background:var(--bg2)}
.why .item{display:flex;gap:12px}
.why .item .ic{color:var(--gold2);font-size:22px;flex:none;margin-top:2px}
.why .item h3{font-size:15.5px;font-weight:600}
.why .item p{color:var(--muted);font-size:14px}
.cta-band{background:var(--navy);color:#fff;text-align:center}
.cta-band h2{font-size:28px;font-weight:600;margin-bottom:8px}
.cta-band p{color:#B5D4F4;margin-bottom:20px}
footer.site{background:var(--navy);color:#9fb6d4;padding:44px 0 30px;font-size:14px}
footer.site .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px;margin-bottom:28px}
footer.site h4{color:#fff;font-size:14px;font-weight:600;margin-bottom:12px}
footer.site a{color:#9fb6d4;display:block;margin-bottom:7px;font-size:13.5px}
footer.site a:hover{color:#fff}
footer.site .disc{border-top:1px solid rgba(255,255,255,.12);padding-top:18px;font-size:12px;color:#7e93b0;line-height:1.6}
footer.site .logo{margin-bottom:10px}
/* article pages */
.page-hd{background:var(--navy);color:#fff;padding:54px 0 46px}
.page-hd .crumb{font-size:13px;color:#85B7EB;margin-bottom:12px}
.page-hd .crumb a{color:#85B7EB}
.page-hd h1{font-size:38px;font-weight:600;letter-spacing:-.4px;max-width:760px;line-height:1.15}
.answer{background:var(--sky);border-left:4px solid var(--gold);padding:20px 24px;border-radius:0 8px 8px 0;margin:0 0 28px;font-size:18px;color:var(--navy)}
.article{max-width:760px}
.article h2{font-size:24px;font-weight:600;margin:34px 0 12px;letter-spacing:-.2px}
.article h3{font-size:18px;font-weight:600;margin:22px 0 8px}
.article p{margin-bottom:16px;font-size:16.5px}
.article ul,.article ol{margin:0 0 16px 22px}
.article li{margin-bottom:8px}
.article table{width:100%;border-collapse:collapse;margin:18px 0;font-size:15px}
.article th,.article td{border:1px solid var(--line);padding:10px 12px;text-align:left}
.article th{background:var(--bg2);font-weight:600}
.faq-q{font-weight:600;font-size:17px;margin:22px 0 6px;color:var(--navy)}
.inline-cta{background:var(--bg2);border:1px solid var(--line);border-radius:12px;padding:22px;margin:28px 0;text-align:center}
.inline-cta .btn{margin:6px 6px 0}
/* tools */
.tool{background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px;max-width:520px;margin:18px auto 0}
.tool label{display:block;font-size:14px;font-weight:500;margin:12px 0 6px}
.tool input,.tool select{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:8px;font-size:15px;font-family:inherit}
.tool .out{margin-top:18px;padding:16px;background:var(--sky);border-radius:8px;text-align:center}
.tool .out .big{font-size:28px;font-weight:600;color:var(--navy)}
.tool .out .sm{font-size:13px;color:var(--muted)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:860px){.g4{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:1fr}.g2{grid-template-columns:1fr}footer.site .cols{grid-template-columns:1fr}.hero h1{font-size:34px}nav.main{display:none}.menu-btn{display:block}.nav-right .phone{display:none}nav.main.open{display:flex;position:absolute;top:74px;left:0;right:0;background:var(--navy);flex-direction:column;padding:16px 24px;gap:14px;border-bottom:1px solid rgba(255,255,255,.1)}.form-row{grid-template-columns:1fr}.page-hd h1{font-size:30px}.mobilebar{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:60;background:var(--navy);padding:10px 14px;gap:10px}.mobilebar a{flex:1;text-align:center;padding:12px;border-radius:8px;font-weight:500;font-size:15px;white-space:nowrap}.mobilebar .c{background:#fff;color:var(--navy)}.mobilebar .q{background:var(--gold);color:var(--espresso)}body{padding-bottom:68px}}