:root{--accent:#1d3a6b;--bg:#ffffff;--bg2:#f6f6f3;--card:#ffffff;--ink:#121418;--ink2:#2b2f36;--muted:#555c67;--line:#e4e4df;--line2:#d4d4cd;
--a-ink:var(--accent);--a-soft:color-mix(in srgb,var(--accent) 7%,#fff);--shadow:0 1px 2px rgba(16,24,40,.04),0 8px 24px -12px rgba(16,24,40,.12);
--radius:14px;--serif:"Iowan Old Style","Palatino Linotype","Book Antiqua",Palatino,Georgia,"DejaVu Serif",serif;
--sans:ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,"Noto Sans",sans-serif;color-scheme:light}
:root[data-theme=dark]{--bg:#0e1013;--bg2:#14171b;--card:#171a1f;--ink:#eef0f2;--ink2:#d7dbe0;--muted:#a3aab4;--line:#262a31;--line2:#323741;
--a-ink:color-mix(in srgb,var(--accent) 45%,#fff);--a-soft:color-mix(in srgb,var(--accent) 22%,#0e1013);--shadow:0 1px 2px rgba(0,0,0,.3),0 10px 30px -14px rgba(0,0,0,.6);color-scheme:dark}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:16.5px/1.65 var(--sans);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
a{color:var(--a-ink);text-underline-offset:3px;text-decoration-thickness:1px}a:hover{text-decoration-thickness:2px}
img,svg{max-width:100%}
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:12px;background:var(--card);padding:8px 12px;z-index:50;border-radius:8px}
:focus-visible{outline:2px solid var(--a-ink);outline-offset:3px;border-radius:4px}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px}.narrow{max-width:780px}
h1,h2,h3{font-family:var(--serif);font-weight:500;letter-spacing:-.012em;color:var(--ink);margin:0}h3{font-weight:600}
h1{font-size:clamp(34px,5.2vw,58px);line-height:1.06;letter-spacing:-.02em}h2{font-size:clamp(26px,3.3vw,38px);line-height:1.14}
h3{font-size:20px;line-height:1.3}p{margin:0 0 1em}
.eyebrow{font:600 12.5px/1.4 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--a-ink);margin:0 0 14px}
.lede{font-size:clamp(17px,1.6vw,19.5px);line-height:1.6;color:var(--muted);max-width:60ch;margin:18px 0 0}
.meta{font-size:14.5px;color:var(--muted);margin:16px 0 0}
/* header */
header.top{position:sticky;top:0;z-index:20;background:color-mix(in srgb,var(--bg) 88%,transparent);backdrop-filter:saturate(1.4) blur(12px);-webkit-backdrop-filter:saturate(1.4) blur(12px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;gap:20px;min-height:68px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink);min-width:0;margin-right:auto}
.brand .mark{flex:none;width:34px;height:34px;border-radius:9px;background:var(--accent);color:#fff;display:grid;place-items:center;font:600 19px/1 var(--serif)}
.brand b{display:block;font:600 17px/1.15 var(--sans);letter-spacing:-.01em}.brand small{display:block;font-size:12.5px;line-height:1.3;color:var(--muted);white-space:nowrap;overflow:hidden;text-overflow:ellipsis;max-width:36ch}
nav.main{display:flex;gap:4px}nav.main a{font-size:15px;font-weight:500;color:var(--ink2);text-decoration:none;padding:8px 11px;border-radius:8px}
nav.main a:hover{background:var(--bg2);color:var(--ink)}
.tools{display:flex;align-items:center;gap:6px}
.iconbtn,.lang>summary,.mnav>summary{display:inline-flex;align-items:center;justify-content:center;gap:6px;height:38px;min-width:38px;padding:0 10px;border:1px solid var(--line);border-radius:10px;background:var(--card);color:var(--ink2);font:600 13px var(--sans);cursor:pointer;list-style:none}
.lang>summary::-webkit-details-marker,.mnav>summary::-webkit-details-marker{display:none}
.iconbtn:hover,.lang>summary:hover,.mnav>summary:hover{border-color:var(--line2)}
.iconbtn svg{width:18px;height:18px}.theme .moon{display:none}:root[data-theme=dark] .theme .sun{display:none}:root[data-theme=dark] .theme .moon{display:block}
.lang,.mnav{position:relative}
.lang ul,.mnav nav{position:absolute;right:0;top:46px;min-width:190px;background:var(--card);border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);padding:6px;margin:0;list-style:none;z-index:30}
.lang li a,.mnav nav a{display:block;padding:8px 12px;border-radius:8px;color:var(--ink2);text-decoration:none;font-size:14.5px}
.lang li a:hover,.mnav nav a:hover{background:var(--bg2)}.lang li a[aria-current]{color:var(--a-ink);font-weight:600}
.mnav{display:none}
/* buttons */
.cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.btn{display:inline-flex;align-items:center;gap:8px;font:600 15.5px/1 var(--sans);padding:14px 20px;border-radius:11px;background:var(--accent);color:#fff;text-decoration:none;border:1px solid var(--accent);cursor:pointer;transition:transform .15s ease,box-shadow .15s ease}
.btn:hover{transform:translateY(-1px);box-shadow:0 6px 18px -8px color-mix(in srgb,var(--accent) 70%,transparent);text-decoration:none}
:root[data-theme=dark] .btn{background:var(--a-ink);border-color:var(--a-ink);color:#0e1013}:root[data-theme=dark] .btn.ghost{background:transparent;color:var(--ink);border-color:var(--line2)}
.btn.ghost{background:transparent;color:var(--ink);border-color:var(--line2)}.btn.ghost:hover{border-color:var(--ink2);box-shadow:none}
/* hero */
.hero{padding:88px 0 84px;border-bottom:1px solid var(--line);background:radial-gradient(1100px 420px at 85% -10%,var(--a-soft),transparent 70%)}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,1fr);gap:56px;align-items:center}
.hero h1{max-width:17ch}
.ticks{list-style:none;padding:0;margin:34px 0 0;display:grid;grid-template-columns:repeat(2,minmax(0,max-content));gap:10px 28px;font-size:14.5px;color:var(--ink2)}
.ticks li{display:flex;gap:9px;align-items:baseline}.ticks li:before{content:"";flex:none;width:7px;height:7px;border-radius:50%;background:var(--a-ink);transform:translateY(-1px)}
.panel{background:var(--card);border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);padding:26px 26px 18px}
.panel h2{font:600 13px/1.4 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin:0 0 6px}
.panel ul{list-style:none;margin:0;padding:0}.panel li{display:flex;justify-content:space-between;gap:16px;padding:13px 0;border-bottom:1px solid var(--line);font-size:15px}
.panel li:last-child{border-bottom:0}.panel li span:last-child{color:var(--muted);text-align:right}.panel li b{font-weight:600}
/* sections */
section{padding:92px 0}section.alt{background:var(--bg2);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
section.flush{padding:48px 0 80px}
.shead{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:24px 56px;align-items:end;margin-bottom:44px}
.shead .lede{margin:0}
.cards{display:grid;gap:18px;grid-template-columns:repeat(auto-fill,minmax(280px,1fr))}
.card{position:relative;display:flex;flex-direction:column;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px;color:var(--ink);text-decoration:none;transition:border-color .15s ease,transform .15s ease,box-shadow .15s ease}
.card h3{margin:0 0 10px}.card p{color:var(--muted);margin:0;font-size:15.5px}
.card.link:hover{border-color:var(--line2);transform:translateY(-2px);box-shadow:var(--shadow);text-decoration:none}
.card .kicker{font:600 12px/1.4 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--a-ink);margin-bottom:12px}
.card .more{margin-top:auto;padding-top:18px;font-size:14.5px;font-weight:600;color:var(--a-ink)}
.card .num{font:600 13px var(--sans);color:var(--muted);margin-bottom:18px;font-variant-numeric:tabular-nums}
.grid3{display:grid;gap:18px;grid-template-columns:repeat(3,minmax(0,1fr))}
.feature{padding:4px 0 0;border-top:2px solid var(--ink)}.feature h3{margin:18px 0 8px;font-size:19px}.feature p{color:var(--muted);margin:0;font-size:15.5px}
:root[data-theme=dark] .feature{border-top-color:var(--ink2)}
.note-s{font-size:14px;color:var(--muted);margin-top:28px}
/* facts */
.facts{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:26px;box-shadow:var(--shadow)}
.facts-h{font:600 13px/1.4 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin:0 0 6px}
.facts-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 28px;margin:0}
.facts-grid.one,.side .facts-grid{grid-template-columns:1fr}
.fact{padding:14px 0;border-bottom:1px solid var(--line)}.fact dt{font:600 12.5px/1.4 var(--sans);letter-spacing:.06em;text-transform:uppercase;color:var(--muted);margin-bottom:4px}
.fact dd{margin:0;font-size:15px;line-height:1.55;color:var(--ink2);overflow-wrap:anywhere}
.about-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.1fr);gap:56px;align-items:start}
/* steps */
.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;counter-reset:s;list-style:none;padding:0;margin:0}
.steps li{counter-increment:s;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.steps li:before{content:counter(s,decimal-leading-zero);display:block;font:600 34px/1 var(--serif);color:var(--a-ink);margin-bottom:22px}
.steps h3{margin:0 0 8px}.steps p{color:var(--muted);margin:0;font-size:15.5px}
/* faq */
.qa{border-top:1px solid var(--line)}
.q{border-bottom:1px solid var(--line)}.q summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;gap:20px;align-items:center;padding:22px 0}
.q summary::-webkit-details-marker{display:none}.q summary h2,.q summary h3{font:600 18px/1.4 var(--sans);letter-spacing:0;margin:0}
.q summary:after{content:"";flex:none;width:12px;height:12px;border-right:2px solid var(--muted);border-bottom:2px solid var(--muted);transform:rotate(45deg) translateY(-3px);transition:transform .2s ease}
.q[open] summary:after{transform:rotate(225deg) translateY(-3px)}.q .a{padding:0 0 22px;color:var(--muted);max-width:72ch}.q .a p{margin:0}
.after{margin-top:28px}
/* forms */
.contact-grid{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:56px;align-items:start}
form.lead{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:var(--shadow)}
.row{display:grid;gap:16px;grid-template-columns:repeat(2,minmax(0,1fr));margin-bottom:16px}
label{display:block;font-size:14px;font-weight:600;color:var(--ink2);margin:0 0 7px}
input:not([type=radio]):not([type=checkbox]),select,textarea{width:100%;font:16px var(--sans);padding:12px 14px;border:1px solid var(--line2);border-radius:10px;background:var(--bg);color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:2px solid color-mix(in srgb,var(--a-ink) 60%,transparent);outline-offset:0;border-color:var(--a-ink)}
textarea{min-height:120px;resize:vertical}.hp{position:absolute;left:-5000px}
.fine{font-size:13.5px;color:var(--muted);margin:14px 0 18px}#formmsg{margin:14px 0 0;font-size:15px}
.dsearch{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px;max-width:640px}.dsearch input{flex:1 1 280px}
#dresults{list-style:none;padding:0;margin:18px 0 0;max-width:640px}#dresults li{display:flex;justify-content:space-between;gap:12px;padding:12px 16px;border:1px solid var(--line);border-radius:10px;margin-bottom:8px;background:var(--card)}
.ok{color:#15803d;font-weight:600}:root[data-theme=dark] .ok{color:#4ade80}.no{color:var(--muted)}
/* page head + prose */
.crumbs{font-size:13.5px;color:var(--muted);padding-top:22px}.crumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:6px}
.crumbs li+li:before{content:"/";margin-right:6px;color:var(--line2)}.crumbs a{color:var(--muted);text-decoration:none}.crumbs a:hover{color:var(--ink)}
.phead{padding:36px 0 44px;border-bottom:1px solid var(--line)}.phead h1{font-size:clamp(32px,4.4vw,50px);max-width:24ch}
.split{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:56px;align-items:start}
.side{position:sticky;top:96px;display:grid;gap:22px}.side .cards{grid-template-columns:1fr}.aside-h{font:600 13px var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin:6px 0 -6px}
.prose{max-width:72ch;font-size:17px}.prose h2{font-size:clamp(24px,2.6vw,30px);margin:46px 0 14px}.prose h3{margin:30px 0 10px}
.prose ul,.prose ol{padding-left:22px;margin:0 0 1.2em}.prose li{margin-bottom:7px}.prose li::marker{color:var(--a-ink)}
.tbl{overflow-x:auto;margin:22px 0;border:1px solid var(--line);border-radius:12px}.tbl table{border-collapse:collapse;width:100%;font-size:15px;line-height:1.5}
.tbl th,.tbl td{padding:11px 14px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}.tbl tr:last-child td{border-bottom:0}
.tbl th{background:var(--bg2);font-weight:600;color:var(--ink2)}
.note{border-left:3px solid var(--a-ink);background:var(--a-soft);padding:16px 20px;border-radius:0 12px 12px 0;margin:22px 0;color:var(--ink2)}
.phead .note{max-width:72ch;font-size:16.5px}
/* band */
.band{padding:0 0 92px}.band-in{display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap;background:var(--ink);color:var(--bg);border-radius:22px;padding:44px 48px}
.band h2{color:var(--bg);font-size:clamp(24px,2.8vw,32px)}.band p{color:color-mix(in srgb,var(--bg) 72%,transparent);margin:10px 0 0;max-width:56ch}
.band .cta{margin:0}.band .btn{background:var(--bg);color:var(--ink);border-color:var(--bg)}.band .btn.ghost{background:transparent;color:var(--bg);border-color:color-mix(in srgb,var(--bg) 40%,transparent)}
:root[data-theme=dark] .band-in{background:var(--card);color:var(--ink);border:1px solid var(--line)}:root[data-theme=dark] .band h2{color:var(--ink)}
:root[data-theme=dark] .band p{color:var(--muted)}:root[data-theme=dark] .band .btn{background:var(--a-ink);color:#0e1013;border-color:var(--a-ink)}
:root[data-theme=dark] .band .btn.ghost{background:transparent;color:var(--ink);border-color:var(--line2)}
/* legal */
.legal dl{display:grid;grid-template-columns:minmax(0,260px) 1fr;gap:10px 24px}.legal dt{font-weight:600}.legal dd{margin:0}.legal h2{font-size:24px;margin:34px 0 10px}
/* footer */
footer{border-top:1px solid var(--line);background:var(--bg2);padding:64px 0 40px;font-size:14.5px;color:var(--muted)}
.fcols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.3fr;gap:36px}.fcols b{display:block;color:var(--ink);font-weight:600;margin-bottom:12px;font-size:14px}
.fcols a{color:var(--muted);text-decoration:none;display:block;padding:3px 0}.fcols a:hover{color:var(--ink)}
.fbrand{display:flex;gap:12px;align-items:center;margin-bottom:12px;color:var(--ink);font-weight:600}.fbrand .mark{width:30px;height:30px;border-radius:8px;background:var(--accent);color:#fff;display:grid;place-items:center;font:600 16px/1 var(--serif)}
.fbottom{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;border-top:1px solid var(--line);margin-top:44px;padding-top:22px;font-size:13.5px}
.fbottom a{color:var(--muted);margin-left:16px;text-decoration:none}.fbottom a:hover{color:var(--ink)}
.faqgrid{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.25fr);gap:56px;align-items:start}
.fact dd,.legal dd,footer,.prose,h1,h2{overflow-wrap:anywhere}
.brand>span:last-child{min-width:0}.brand b{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.mnav .mlang{border-top:1px solid var(--line);margin-top:6px;padding-top:6px;display:flex;flex-wrap:wrap}.mnav .mlang a{padding:6px 10px;font-size:13.5px}
@media (max-width:1040px){nav.main{display:none}.mnav{display:block}.hero-grid,.about-grid,.contact-grid,.split,.shead,.faqgrid{grid-template-columns:1fr}.side{position:static}
.fcols{grid-template-columns:1fr 1fr}.grid3,.steps{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.wrap{padding:0 18px}.hero{padding:56px 0 56px}section{padding:64px 0}.ticks,.row,.facts-grid,.grid3,.steps,.fcols{grid-template-columns:1fr}
.brand small{display:none}.lang{display:none}.brand b{font-size:15px}.bar{gap:12px}.band-in{padding:32px 26px}.legal dl{grid-template-columns:1fr}.panel{padding:20px 20px 12px}.panel h2{letter-spacing:.04em;overflow-wrap:anywhere}form.lead{padding:20px}.fbottom a{margin:0 16px 0 0}}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

.checks{display:grid;grid-template-columns:repeat(auto-fill,minmax(170px,1fr));gap:8px 16px;margin:0 0 16px;padding:0;border:0}
.checks legend{font:600 14px var(--sans);margin-bottom:8px;padding:0}
.checks label{display:flex;gap:8px;align-items:center;font-weight:400;margin:0}.checks input{width:auto;margin:0}
.mb{width:100%;border-collapse:collapse;font-size:15.5px}.mb th,.mb td{text-align:left;padding:11px 14px;border-bottom:1px solid var(--line)}
.mb th{font:600 12.5px var(--sans);letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}.mb td:last-child{overflow-wrap:anywhere}
.mbwrap{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);overflow-x:auto}
.devgrid{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:40px 56px;align-items:start}
@media (max-width:1040px){.devgrid{grid-template-columns:1fr}}