:root{--ink:#1b2430;--muted:#5a6573;--brand:#1f4e79;--brand2:#2f6ea5;--bg:#f6f8fb;--line:#dde3ea}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);line-height:1.55;background:#fff}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
.setup-banner{background:#fff4d6;color:#5c4400;text-align:center;font-size:.9rem;padding:8px 12px}
.site-header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:5}
.nav{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:10px;padding-top:12px;padding-bottom:12px}
.brand{font-weight:700;color:var(--brand);text-decoration:none;font-size:1.1rem}
nav{display:flex;flex-wrap:wrap;gap:16px;align-items:center}nav a{color:var(--ink);text-decoration:none}
.btn{display:inline-block;background:var(--brand);color:#fff!important;border:0;border-radius:8px;padding:12px 20px;font-size:1rem;font-weight:600;cursor:pointer;text-decoration:none}
.btn:hover{background:var(--brand2)}.btn-sm{padding:8px 14px;font-size:.9rem}
.hero{background:linear-gradient(180deg,var(--bg),#fff);padding:48px 0}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:start}
.eyebrow{color:var(--brand);font-weight:600;margin:0 0 8px}
h1{font-size:clamp(1.8rem,4vw,2.6rem);line-height:1.15;margin:0 0 16px}
.lead{font-size:1.1rem;color:var(--muted)}
.checks{padding:0;list-style:none}.checks li{padding-left:28px;position:relative;margin:8px 0}
.checks li:before{content:"\2713";position:absolute;left:0;color:var(--brand);font-weight:700}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px;box-shadow:0 6px 24px rgba(20,40,70,.08)}
.card h2{margin-top:0;font-size:1.3rem}
form label{display:block;font-size:.9rem;font-weight:600;margin:0 0 12px}
input:not([type=radio]):not([type=checkbox]){display:block;width:100%;margin-top:4px;padding:10px 12px;border:1px solid #c5ced8;border-radius:8px;font-size:1rem}
input:focus{outline:2px solid var(--brand2);outline-offset:1px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:12px}
fieldset{border:0;padding:0;margin:0 0 12px}legend{font-size:.9rem;font-weight:600;margin-bottom:6px}
label.inline{display:inline-flex;gap:6px;align-items:center;margin-right:16px;font-weight:400}
.opt{font-weight:400;color:var(--muted)}
.consent{display:flex!important;gap:10px;font-weight:400!important;font-size:.78rem!important;color:var(--muted)}
.consent input{margin-top:3px;flex:none}
.hp{position:absolute;left:-9999px}
.form-msg{font-size:.9rem;margin:10px 0 0}
.trust{padding:40px 0;border-top:1px solid var(--line)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.grid3 h3{margin:0 0 6px;color:var(--brand)}.grid3 p{margin:0;color:var(--muted)}
.how,.faq,.privacy{padding:40px 0}.how{background:var(--bg)}
.steps{padding-left:20px}.steps li{margin:10px 0}
details{border:1px solid var(--line);border-radius:10px;padding:14px 16px;margin:10px 0}
summary{cursor:pointer;font-weight:600}
.privacy p{color:var(--muted);font-size:.95rem}
.site-footer{background:#14202e;color:#d5dde6;padding:28px 0}.site-footer .note{font-size:.85rem;color:#aab6c3}
@media (max-width:820px){.hero-grid,.grid3{grid-template-columns:1fr}.hero{padding:28px 0}}
@media (max-width:420px){.two{grid-template-columns:1fr}}
.risk{padding:40px 0;border-top:1px solid var(--line)}.risk .grid3 a{font-size:.8rem;color:var(--brand2)}.risk .grid3>div{border:1px solid var(--line);border-radius:10px;padding:16px}.renew{margin-top:24px;font-weight:600}.note-small{font-size:.8rem;color:var(--muted)}
/* content pages */
.narrow{max-width:780px}.article{padding:32px 0 48px}.article h2{margin-top:32px;color:var(--brand)}
.crumbs{font-size:.85rem;color:var(--muted);margin-bottom:12px}.crumbs a{color:var(--brand2)}
.photo{display:block;width:100%;height:auto;border-radius:14px;box-shadow:0 6px 24px rgba(20,40,70,.12)}
.hero-img{margin:20px 0}
.cta-box{background:var(--bg);border:1px solid var(--line);border-radius:14px;padding:24px;margin:32px 0}.cta-box h2{margin-top:0}
.tbl{border-collapse:collapse;width:100%}.tbl th,.tbl td{border:1px solid var(--line);padding:8px 10px;text-align:left}.tbl th{background:var(--bg)}
.sources,.related{padding-left:20px}.sources a,.related a{color:var(--brand2)}
.rgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:24px}
.rcard{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:12px;overflow:hidden;text-decoration:none;color:var(--ink);background:#fff}
.rcard:hover{box-shadow:0 6px 20px rgba(20,40,70,.12)}.rcard .photo{border-radius:0;box-shadow:none}
.rbody{padding:14px;display:flex;flex-direction:column;gap:6px}.rbody span{color:var(--muted);font-size:.9rem}
.foot-links a{color:#d5dde6}
.hero-photo{margin-top:20px}.band{padding:40px 0;background:var(--bg)}.band-grid{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:center}
.pics{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:20px}
@media (max-width:820px){.rgrid,.band-grid,.pics{grid-template-columns:1fr}}