:root{--navy:#0b2a5b;--ink:#1a1f2b;--muted:#4a5568;--line:#cbd5e1;--tint:#eef3fb;--s0:.875rem;--s1:1rem;--s2:1.5rem;--s3:2rem}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:#fff;color:var(--ink);font:var(--s1)/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif}
a{color:var(--navy);text-decoration:underline;text-underline-offset:2px}
a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid var(--navy);outline-offset:2px}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:12px 16px;z-index:100}
.skip:focus{left:0}
header.top{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:20}
.bar{max-width:68rem;margin:0 auto;padding:8px 16px;display:flex;flex-wrap:wrap;align-items:center;gap:4px 16px}
.brand{font-weight:700;text-decoration:none;color:var(--navy);min-height:44px;display:inline-flex;align-items:center}
nav.main{display:flex;flex-wrap:wrap;gap:0 4px;margin-left:auto;align-items:center}
nav.main a{min-height:44px;display:inline-flex;align-items:center;padding:0 10px;text-decoration:none}
nav.main a:hover{text-decoration:underline}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:44px;min-width:44px;padding:0 20px;border-radius:6px;border:2px solid var(--navy);background:var(--navy);color:#fff;font:inherit;font-weight:600;text-decoration:none;cursor:pointer}
.btn:hover{background:#fff;color:var(--navy)}
.btn.alt{background:#fff;color:var(--navy)}
.btn.alt:hover{background:var(--tint)}
nav.main a.btn{color:#fff;padding:0 16px}
nav.main a.btn:hover{color:var(--navy);text-decoration:none}
main{max-width:68rem;margin:0 auto;padding:16px}
.crumbs{font-size:var(--s0);color:var(--muted);margin:0 0 8px}
.crumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap}
.crumbs li+li::before{content:"/";margin:0 8px;color:var(--muted)}
.crumbs a{display:inline-flex;min-height:44px;align-items:center}
h1{font-size:var(--s3);line-height:1.2;margin:8px 0 16px;color:var(--navy)}
h2{font-size:var(--s2);line-height:1.3;margin:40px 0 12px;color:var(--navy)}
h3{font-size:var(--s1);margin:24px 0 8px}
p,ul,ol{margin:0 0 16px;max-width:46rem}
.lead{font-size:var(--s2);line-height:1.4;max-width:46rem;color:var(--ink)}
.small{font-size:var(--s0);color:var(--muted)}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin:24px 0}
.limit{background:var(--tint);border-left:4px solid var(--navy);padding:12px 16px;margin:24px 0;max-width:46rem}
.limit h3{margin-top:0}
.limit p{margin:0 0 8px}
.grid{list-style:none;padding:0;margin:0 0 24px;display:grid;grid-template-columns:repeat(auto-fill,minmax(15rem,1fr));gap:12px;max-width:none}
.tile,.card{display:flex;flex-direction:column;justify-content:center;min-height:88px;padding:16px;border:1px solid var(--line);border-radius:8px;background:#fff;text-decoration:none;color:var(--ink);font-weight:600;width:100%;text-align:left;font-family:inherit;font-size:var(--s1);cursor:pointer}
.card span{font-weight:400;color:var(--muted);font-size:var(--s0);margin-top:4px}
.tile:hover,.card:hover{border-color:var(--navy)}
.steps{padding-left:0;list-style:none;counter-reset:s}
.steps li{counter-increment:s;margin:0 0 16px;padding-left:48px;position:relative;max-width:46rem}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:36px;height:36px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700}
details.qa{border-top:1px solid var(--line);max-width:46rem}
details.qa summary{min-height:44px;display:flex;align-items:center;cursor:pointer;font-weight:600;padding:8px 0}
form fieldset{border:1px solid var(--line);border-radius:8px;margin:0 0 16px;padding:16px;max-width:46rem}
form legend{font-weight:700;color:var(--navy);padding:0 8px}
label{display:block;margin:12px 0 4px;font-weight:600}
.opt{display:flex;align-items:center;gap:10px;min-height:44px;font-weight:400;margin:0}
.opt input{width:24px;height:24px;margin:0}
input[type=text],input[type=email],input[type=tel],select,textarea{width:100%;min-height:44px;padding:8px 12px;border:1px solid #64748b;border-radius:6px;font:inherit;color:var(--ink);background:#fff}
textarea{min-height:120px}
.hp{position:absolute;left:-9999px}
.js .step{display:none}
.js .step.on{display:block}
.msg{padding:12px 16px;border-radius:6px;border:2px solid var(--navy);margin:16px 0;max-width:46rem}
.msg[hidden]{display:none}
footer.foot{border-top:1px solid var(--line);margin-top:48px;padding:24px 16px;font-size:var(--s0)}
footer.foot .in{max-width:68rem;margin:0 auto}
footer.foot ul{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:0 16px}
footer.foot a,footer.foot button{min-height:44px;display:inline-flex;align-items:center;background:none;border:0;color:var(--navy);font:inherit;text-decoration:underline;cursor:pointer;padding:0}
@media (max-width:30rem){h1{font-size:var(--s2)}.lead{font-size:var(--s1)}}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}

[id]{scroll-margin-top:96px}
main:focus,#quote-status:focus{outline:none}
.reply-line{font-size:var(--s1)}
@media (max-width:48rem){header.top{position:static}}
details.qa summary::after{content:"+";margin-left:auto;padding-left:12px;font-weight:700;color:var(--navy)}
details.qa[open] summary::after{content:"-"}
legend:focus{outline:3px solid var(--navy);outline-offset:2px}
mark.draft{background:#fff3b0;color:var(--ink);padding:0 2px}
footer.foot a{min-width:44px;justify-content:center;padding:0 8px}
.crumbs a{min-width:44px;justify-content:center}
.ts-box{min-height:70px;margin:12px 0}
[hidden]{display:none!important}