:root{--navy:#0b2a4a;--navy2:#123a63;--g:#15803d;--g2:#166534;--am:#f59e0b;--bg:#f7f9fc;--tx:#14202e;--mut:#556272;--bd:#d9e1ec}
*{box-sizing:border-box}body{margin:0;font:16px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--tx);background:var(--bg);padding-bottom:78px}
a{color:#0b5cad}.w{max-width:1040px;margin:0 auto;padding:0 18px}
header{background:var(--navy);position:sticky;top:0;z-index:5}.hd{display:flex;align-items:center;gap:18px;height:58px}
.logo{color:#fff;font-weight:800;font-size:20px;text-decoration:none}.logo b{color:#4ade80}nav{flex:1}nav a{color:#cfe0f3;margin-right:16px;text-decoration:none;font-size:14px}
.call{background:var(--g);color:#fff;padding:8px 14px;border-radius:8px;text-decoration:none;font-weight:700;font-size:14px}
.hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:34px 0 38px}.hero h1{font-size:clamp(26px,4.6vw,42px);line-height:1.15;margin:6px 0 12px}
.crumbs{font-size:13px;color:#a9c2dc;margin:0}.crumbs a{color:#a9c2dc}.hero .answer{color:#e4eefa;max-width:760px;margin:0 0 18px;font-size:17px}
.cta{display:inline-block;background:var(--g);color:#fff;font-weight:800;padding:14px 24px;border-radius:10px;text-decoration:none;font-size:18px;border:0;cursor:pointer}.cta:hover{background:var(--g2)}
.sm{font-size:13px;color:#a9c2dc}footer .sm,.w>.sm{color:var(--mut)}
h2{font-size:23px;margin:34px 0 10px;color:var(--navy)}h3{font-size:17px;margin:18px 0 4px;color:var(--navy)}p{margin:0 0 12px}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:10px}.card{background:#fff;border:1px solid var(--bd);border-left:4px solid var(--g);border-radius:10px;padding:13px;text-decoration:none;color:var(--tx)}.card b{display:block;color:var(--navy)}.card small{color:var(--mut)}
.card:hover{border-color:var(--g)}.badge{display:inline-block;background:var(--am);color:#3b2600;font-weight:700;font-size:12px;padding:3px 9px;border-radius:99px}
details{background:#fff;border:1px solid var(--bd);border-radius:10px;padding:12px 14px;margin-bottom:8px}summary{cursor:pointer;font-weight:600;color:var(--navy)}details p{margin:8px 0 0;color:var(--mut)}
footer{background:var(--navy);color:#cfe0f3;margin-top:44px;padding:26px 0}footer a{color:#cfe0f3}.fl{display:flex;flex-wrap:wrap;gap:6px 14px;font-size:14px;margin-bottom:14px}footer .sm{color:#9db6d1}
.bar{position:fixed;left:0;right:0;bottom:0;background:#fff;border-top:1px solid var(--bd);padding:10px 14px calc(10px + env(safe-area-inset-bottom,0px));text-align:center;z-index:6}.bar .cta{display:block;max-width:440px;margin:0 auto}
.pop{position:fixed;right:16px;bottom:90px;width:min(340px,calc(100% - 32px));background:#fff;border:1px solid var(--bd);border-top:5px solid var(--g);border-radius:14px;box-shadow:0 14px 40px rgba(11,42,74,.3);padding:18px;z-index:10;transform:translateY(20px);opacity:0;pointer-events:none;transition:.35s}
.pop.show{transform:none;opacity:1;pointer-events:auto}.pop h3{margin:0 0 6px;font-size:19px}.pop p{color:var(--mut);font-size:14px}.pop .cta{display:block;text-align:center;font-size:16px}
.x{position:absolute;top:6px;right:10px;background:none;border:0;font-size:24px;color:var(--mut);cursor:pointer}.no{display:block;margin:10px auto 0;background:none;border:0;color:var(--mut);font-size:13px;cursor:pointer}

.lst{display:grid;gap:10px}.lc{background:#fff;border:1px solid var(--bd);border-left:4px solid var(--am);border-radius:10px;padding:14px}.lc .cta{margin-top:8px;font-size:15px;padding:10px 18px}
@media(max-width:640px){nav{display:none}.hd{justify-content:space-between}}