:root{
  --ink:#0f1b2d; --ink-soft:#33415c; --muted:#64748b;
  --brand:#0b3d91; --brand-dark:#082c6b; --accent:#f59e0b;
  --bg:#ffffff; --bg-soft:#f4f7fb; --line:#e2e8f0;
  --radius:12px; --wrap:1120px;
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
a{color:var(--brand)}
/* header */
.site-header{position:sticky;top:0;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line);z-index:50}
.header-inner{display:flex;align-items:center;gap:20px;padding:14px 20px}
.brand{font-weight:800;font-size:1.1rem;color:var(--ink);text-decoration:none;white-space:nowrap}
.brand-sub{display:block;font-weight:500;font-size:.72rem;color:var(--muted)}
.nav{display:flex;gap:18px;margin-left:auto}
.nav a{color:var(--ink-soft);text-decoration:none;font-size:.92rem}
.nav a:hover{color:var(--brand)}
/* buttons */
.btn{display:inline-block;padding:12px 22px;border-radius:var(--radius);font-weight:700;text-decoration:none;font-size:.95rem;border:1px solid transparent;cursor:pointer}
.btn-primary{background:var(--brand);color:#fff}
.btn-primary:hover{background:var(--brand-dark)}
.btn-ghost{border-color:var(--line);color:var(--ink);background:#fff}
.btn-lg{padding:15px 30px;font-size:1.02rem}
/* hero */
.hero{background:linear-gradient(135deg,#0b3d91 0%,#123f7b 55%,#0a2540 100%);color:#fff;padding:84px 0 72px}
.hero-kicker{color:#fbbf24;font-weight:700;letter-spacing:.06em;text-transform:uppercase;font-size:.8rem;margin-bottom:14px}
.hero h1{font-size:clamp(2rem,4.6vw,3.3rem);line-height:1.12;margin-bottom:16px;max-width:16ch}
.hero-sub{font-size:1.12rem;color:#dbe6f5;max-width:56ch;margin-bottom:28px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px}
.hero .btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.5)}
.licensed-line{font-size:.82rem;color:#9db4d4}
/* sections */
.section{padding:64px 0}
.section.alt{background:var(--bg-soft)}
.section h2{font-size:clamp(1.5rem,3vw,2.1rem);margin-bottom:12px}
.section .lead{color:var(--ink-soft);font-size:1.08rem;max-width:62ch;margin-bottom:28px}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:18px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.card h3{margin-bottom:8px;font-size:1.12rem}
.card p{color:var(--ink-soft);font-size:.95rem}
.card .tag{display:inline-block;font-size:.72rem;font-weight:700;color:var(--brand);background:#e8effc;border-radius:999px;padding:3px 10px;margin-bottom:10px}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:18px;counter-reset:step}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;position:relative}
.step::before{counter-increment:step;content:counter(step);display:flex;align-items:center;justify-content:center;width:36px;height:36px;border-radius:50%;background:var(--brand);color:#fff;font-weight:800;margin-bottom:12px}
.faq details{border:1px solid var(--line);border-radius:var(--radius);padding:16px 20px;margin-bottom:10px;background:#fff}
.faq summary{font-weight:700;cursor:pointer}
.faq p{margin-top:8px;color:var(--ink-soft)}
.checklist{list-style:none;display:grid;gap:10px}
.checklist li{padding-left:30px;position:relative;color:var(--ink-soft)}
.checklist li::before{content:"✓";position:absolute;left:0;color:var(--brand);font-weight:800}
.stat-band{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:18px;text-align:center}
.stat .num{font-size:2rem;font-weight:800;color:var(--brand)}
.stat .lbl{color:var(--muted);font-size:.9rem}
/* CTA band */
.cta-band{background:var(--ink);color:#fff;padding:64px 0;text-align:center}
.cta-band h2{margin-bottom:10px}
.cta-band p{color:#c6d3e8;margin-bottom:24px}
.cta-band .micro{margin-top:14px;font-size:.82rem;color:#8fa3c4}
/* footer */
.site-footer{background:#0a1628;color:#aebdd4;font-size:.82rem;padding:48px 0 36px}
.footer-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-bottom:20px}
.site-footer p{margin-bottom:10px}
.site-footer a{color:#7ea6e8}
.footer-ehl{font-weight:700;color:#fff}
.footer-operator{border-top:1px solid #1e2d47;padding-top:16px;margin-top:16px}
/* calculator */
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;max-width:560px}
.calc label{display:block;font-weight:600;margin:14px 0 6px}
.calc input,.calc select{width:100%;padding:10px 12px;border:1px solid var(--line);border-radius:8px;font-size:1rem}
.calc-result{margin-top:20px;padding:18px;background:var(--bg-soft);border-radius:8px;font-size:1.15rem}
.calc-note{font-size:.8rem;color:var(--muted);margin-top:10px}
/* quiz */
.quiz{max-width:640px;margin:0 auto}
.quiz-q{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px}
.quiz-opts{display:grid;gap:10px;margin-top:18px}
.quiz-opt{padding:14px 18px;border:1px solid var(--line);border-radius:8px;cursor:pointer;background:#fff;text-align:left;font-size:1rem}
.quiz-opt:hover{border-color:var(--brand);background:#f0f5ff}
.quiz-progress{height:6px;background:var(--line);border-radius:999px;margin-bottom:20px;overflow:hidden}
.quiz-progress div{height:100%;background:var(--brand);width:0}
@media(max-width:720px){.nav{display:none}.footer-grid{grid-template-columns:1fr}}