*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;margin:0;color:#1b2433;background:#faf7f2;line-height:1.55;font-size:16.5px}
a{color:#1d4f91}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #e8913a;outline-offset:2px}
.ind{background:#0b1a30;color:#cfd8e6;font-size:.78rem;padding:6px 16px;text-align:center}.ind a{color:#f4c48f}
header{background:#0f2440;color:#fff;padding:14px 16px 22px}header .in{max-width:1120px;margin:auto}
.top{display:flex;align-items:center;gap:10px;flex-wrap:wrap}.brand{display:flex;align-items:center;gap:9px;color:#fff;text-decoration:none;font-weight:800;font-size:1.08rem;letter-spacing:.2px}.brand img{width:38px;height:38px}
.hb{margin-left:auto;background:#e8913a;color:#13213a;font-weight:800;text-decoration:none;padding:8px 12px;border-radius:9px;font-size:.86rem}.hb:hover{background:#f0a65c}
nav.nv{display:flex;gap:6px 14px;overflow-x:auto;white-space:nowrap;width:100%;padding:10px 0 2px;scrollbar-width:none}nav.nv a{color:#d3def0;text-decoration:none;font-weight:600;font-size:.9rem}nav.nv a:hover{color:#fff;text-decoration:underline}
header h1{margin:12px 0 6px;font-size:1.55rem;line-height:1.2}header p{margin:0;color:#dbe4f2}.crumb{margin:10px 0 0;font-size:.85rem}.crumb a{color:#f4c48f}
main{max-width:1120px;margin:auto;padding:8px 14px 10px}
.card{background:#fff;border-radius:14px;padding:16px;margin:14px 0;box-shadow:0 1px 2px #0000000d,0 0 0 1px #ebe5da}.card h2{margin:0 0 8px;font-size:1.22rem;color:#0f2440}.card h3{font-size:1.04rem;margin:14px 0 4px;color:#0f2440}
.cta{background:#fff3e4;border:2px solid #e8913a;border-radius:14px;padding:16px;margin:16px 0;display:flex;gap:12px;align-items:center;flex-wrap:wrap}.cta>div{flex:1;min-width:220px}
.ctab{display:inline-block;background:#e8913a;color:#13213a;font-weight:800;padding:13px 18px;border-radius:11px;text-decoration:none;box-shadow:0 2px 0 #b86b22;text-align:center}.ctab:hover{background:#f0a65c}.ctab.sec{background:#fff;border:2px solid #e8913a;box-shadow:none}
.agent{background:#eef3fa;border:1px solid #d0dbeb;border-left:5px solid #1d4f91;border-radius:12px;padding:14px 16px;margin:14px 0}
.agent .name{font-weight:800;color:#0f2440;font-size:1.05rem}.agent .contact a{font-weight:700}
.tpmo{background:#f7f9fc;border:1px solid #e3e9f2;border-radius:11px;padding:12px 14px;margin:12px 0;font-size:.88rem;color:#3b4453}
.tpmo .pending{color:#8a5a12;font-style:italic}
.calc{display:grid;gap:12px;max-width:520px} .calc label{font-weight:700;font-size:.92rem;display:block}
.calc input,.calc select{width:100%;padding:11px 12px;border:1px solid #cfd6e2;border-radius:9px;font:inherit;background:#fff;margin-top:4px}
.calc button{background:#e8913a;color:#13213a;font-weight:800;border:0;border-radius:11px;padding:12px 16px;font:inherit;cursor:pointer;box-shadow:0 2px 0 #b86b22;justify-self:start}
.calc-out{display:none;margin-top:8px}.calc-out.show{display:block}
.kpis{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin:6px 0}.kpi{background:#f2f5fa;border-radius:11px;padding:11px 12px}.kpi b{display:block;font-size:1.05rem;color:#0f2440}.kpi span{font-size:.82rem;color:#4a5568}
.tw{overflow-x:auto;-webkit-overflow-scrolling:touch}table{width:100%;border-collapse:collapse;font-size:.86rem}th,td{padding:8px 7px;border-bottom:1px solid #eee7dc;text-align:left;vertical-align:top}th{background:#eef2f8;color:#0f2440;font-size:.8rem}
.grid{display:grid;grid-template-columns:1fr;gap:10px}.tile{display:block;background:#f7f9fc;border:1px solid #e3e9f2;border-radius:12px;padding:12px 14px;text-decoration:none;color:inherit}.tile:hover{border-color:#e8913a}.tile h3{margin:0 0 3px;font-size:1rem;color:#1d4f91}.tile p{margin:0;font-size:.88rem;color:#4a5568}
.note,.muted{color:#5a6475;font-size:.85rem}
.alert{background:#fff8e6;border:1px solid #f1d38c;border-left:5px solid #e8913a;border-radius:11px;padding:12px 14px;margin:14px 0}
.info{background:#eef3fa;border-left:5px solid #1d4f91;border-radius:11px;padding:12px 14px;margin:14px 0}
.compare{display:grid;grid-template-columns:1fr;gap:12px}.compare .col{background:#f7f9fc;border:1px solid #e3e9f2;border-radius:12px;padding:14px}.compare .col h3{margin-top:0;color:#0f2440}
.src ol{padding-left:20px}.src li{margin:0 0 8px;word-break:break-word;font-size:.88rem}
.faq details{border-bottom:1px solid #eee7dc;padding:10px 0}.faq summary{cursor:pointer;font-weight:700;color:#0f2440}.faq details div{margin-top:6px}
ul.ck li,ol.steps li{margin:6px 0}
form.lead{display:grid;gap:12px}form.lead label{font-weight:700;font-size:.92rem;display:block}form.lead input,form.lead select,form.lead textarea{width:100%;padding:11px 12px;border:1px solid #cfd6e2;border-radius:9px;font:inherit;background:#fff;margin-top:4px}
form.lead .consent{display:flex;gap:10px;align-items:flex-start;background:#f7f9fc;border:1px solid #e3e9f2;border-radius:10px;padding:12px;font-weight:400;font-size:.84rem}form.lead .consent input{width:auto;margin-top:3px;flex:none;transform:scale(1.25)}
form.lead button{background:#e8913a;color:#13213a;font-weight:800;border:0;border-radius:11px;padding:14px;font:inherit;cursor:pointer;box-shadow:0 2px 0 #b86b22}.hp{position:absolute!important;left:-9999px!important;height:1px;overflow:hidden}
.okbox{display:none;background:#e7f6ec;border:2px solid #2f8a4b;border-radius:14px;padding:18px}.err{color:#9b1c13;font-weight:600}
footer{background:#0f2440;color:#cfd8e6;padding:22px 16px 28px;font-size:.84rem;margin-top:24px}footer .in{max-width:1120px;margin:auto}footer a{color:#f4c48f}footer p{margin:7px 0}footer .lic{color:#fff;font-weight:700;font-size:.95rem}footer .fl{display:flex;flex-wrap:wrap;gap:6px 14px;margin:10px 0}
@media(min-width:700px){body{font-size:17px}header{padding:16px 22px 30px}header h1{font-size:2.05rem}main{padding:10px 22px}.card{padding:20px 24px}.kpis{grid-template-columns:repeat(4,1fr)}.grid{grid-template-columns:repeat(2,1fr)}.compare{grid-template-columns:1fr 1fr}nav.nv{width:auto;order:2;margin-left:18px;padding:0}.hb{order:3}form.lead .two{display:grid;grid-template-columns:1fr 1fr;gap:12px}}
@media(min-width:1000px){.grid{grid-template-columns:repeat(3,1fr)}}