:root{
  --navy:#1F3A5F; --blue:#2E6DA4; --mist:#C7D2DE; --wash:#EAF1F8;
  --ink:#1c2530; --body:#3d4854; --mute:#5f6b78; --line:#e2e8f0;
  --white:#fff; --amber:#B98A26; --maxw:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Lato',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  color:var(--body);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased;background:var(--white)}
h1,h2,h3,h4{font-family:'Lora',Georgia,serif;color:var(--navy);line-height:1.25;margin:0 0 .5em;font-weight:600}
h1{font-size:clamp(2rem,4.2vw,3rem);letter-spacing:-.01em}
h2{font-size:clamp(1.5rem,2.6vw,2.05rem)}
h3{font-size:1.2rem}
p{margin:0 0 1.1em}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.narrow{max-width:760px}
.eyebrow{font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;color:var(--blue);font-weight:700;margin:0 0 .7em}
.lead{font-size:1.16rem;color:var(--mute)}
.center{text-align:center}
a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible,select:focus-visible{
  outline:3px solid var(--blue);outline-offset:2px;border-radius:3px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:8px;top:8px;background:var(--navy);color:#fff;padding:10px 16px;z-index:99;border-radius:4px}

header.site{border-bottom:1px solid var(--line);background:rgba(255,255,255,.96);position:sticky;top:0;z-index:50;backdrop-filter:saturate(180%) blur(8px)}
.navbar{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:14px 0}
.brand img{height:42px;display:block}
.nav{display:flex;align-items:center;gap:26px;list-style:none;margin:0;padding:0}
.nav a{color:var(--ink);font-size:.94rem;font-weight:400}
.nav a:hover,.nav a[aria-current=page]{color:var(--blue);text-decoration:none}
.nav a[aria-current=page]{font-weight:700}
.navtoggle{display:none;background:none;border:1px solid var(--mist);border-radius:6px;padding:8px 11px;
  font-size:1.05rem;color:var(--navy);cursor:pointer}

.btn{display:inline-block;background:var(--navy);color:#fff;padding:13px 26px;border-radius:6px;
  font-weight:700;font-size:.95rem;border:1px solid var(--navy);cursor:pointer;transition:background .15s}
.btn:hover{background:#162c49;text-decoration:none;color:#fff}
.btn.alt{background:transparent;color:var(--navy)}
.btn.alt:hover{background:var(--wash);color:var(--navy)}
.btn.light{background:#fff;color:var(--navy);border-color:#fff}
.btn.light:hover{background:var(--wash);color:var(--navy)}
.btnrow{display:flex;flex-wrap:wrap;gap:14px;margin-top:1.6em}

section{padding:76px 0}
section.tight{padding:52px 0}
.alt-bg{background:var(--wash)}
.navy-bg{background:var(--navy);color:#d7e2ee}
.navy-bg h2,.navy-bg h3{color:#fff}
.navy-bg .eyebrow{color:var(--mist)}

.hero{padding:84px 0 70px;border-bottom:1px solid var(--line)}
.hero h1{margin-bottom:.35em}
.hero .lead{font-size:1.3rem;max-width:640px}

.grid{display:grid;gap:26px}
.g2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.g3{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.g4{grid-template-columns:repeat(auto-fit,minmax(210px,1fr))}

.card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:28px 26px}
.card h3{margin-top:0}
.card .price{font-size:.9rem;color:var(--blue);font-weight:700;margin:0 0 .8em;letter-spacing:.02em}
.card p:last-child{margin-bottom:0}
.card.flag{border-color:var(--blue);border-width:2px}

.stat{border-left:3px solid var(--blue);padding-left:18px}
.stat .num{font-family:'Lora',serif;font-size:2rem;color:var(--navy);font-weight:600;display:block;line-height:1.1}
.stat .lbl{font-size:.9rem;color:var(--mute)}

ul.check{list-style:none;padding:0;margin:0 0 1.2em}
ul.check li{position:relative;padding-left:28px;margin-bottom:11px}
ul.check li::before{content:"";position:absolute;left:0;top:.55em;width:11px;height:11px;
  border-radius:2px;background:var(--blue)}

.callout{background:var(--wash);border-left:4px solid var(--blue);border-radius:0 8px 8px 0;padding:22px 26px;margin:1.6em 0}
.callout p:last-child{margin-bottom:0}
.note{font-size:.9rem;color:var(--mute)}

.steps{counter-reset:s;list-style:none;padding:0;margin:0}
.steps li{counter-increment:s;position:relative;padding-left:56px;margin-bottom:26px}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:36px;height:36px;border-radius:50%;
  background:var(--navy);color:#fff;font-weight:700;font-size:.95rem;display:flex;align-items:center;justify-content:center}
.steps h3{margin-bottom:.25em}

form{display:grid;gap:16px;max-width:620px}
label{font-weight:700;font-size:.9rem;color:var(--ink);display:block;margin-bottom:6px}
input,textarea,select{width:100%;padding:12px 14px;border:1px solid var(--mist);border-radius:6px;
  font:inherit;font-size:1rem;color:var(--ink);background:#fff}
textarea{min-height:140px;resize:vertical}
.field-note{font-size:.84rem;color:var(--mute);margin:4px 0 0}

.quiz-q{border-bottom:1px solid var(--line);padding:20px 0}
.quiz-q:last-of-type{border-bottom:none}
.quiz-q p.q{font-weight:700;color:var(--ink);margin:0 0 12px}
.opts{display:flex;flex-wrap:wrap;gap:10px}
.opts label{display:inline-flex;align-items:center;gap:8px;font-weight:400;background:#fff;
  border:1px solid var(--mist);border-radius:6px;padding:9px 15px;cursor:pointer;margin:0;font-size:.94rem}
.opts input{width:auto;margin:0}
.opts label:hover{border-color:var(--blue);background:var(--wash)}
#result{display:none;margin-top:30px}
#result.show{display:block}
.score{font-family:'Lora',serif;font-size:3rem;color:var(--navy);font-weight:600;line-height:1}

footer.site{background:var(--navy);color:#b9c9dc;padding:56px 0 30px;font-size:.94rem;margin-top:0}
footer.site img{height:44px;margin-bottom:18px}
footer.site a{color:#d7e2ee}
footer.site h4{color:#fff;font-family:'Lato',sans-serif;font-size:.8rem;letter-spacing:.14em;
  text-transform:uppercase;margin:0 0 14px}
footer.site ul{list-style:none;padding:0;margin:0}
footer.site li{margin-bottom:9px}
.legal{border-top:1px solid #35527a;margin-top:38px;padding-top:22px;font-size:.83rem;color:#93a8c1}
.legal p{margin:0 0 .5em}

@media(max-width:820px){
  .navtoggle{display:block}
  .nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;
    align-items:flex-start;gap:0;padding:8px 24px 18px;border-bottom:1px solid var(--line)}
  .nav.open{display:flex}
  .nav li{width:100%;border-top:1px solid var(--line)}
  .nav a{display:block;padding:13px 0}
  section{padding:56px 0}
  .hero{padding:52px 0 46px}
}
@media print{header.site,footer.site,.btnrow{display:none}}