*{box-sizing:border-box;margin:0;padding:0}
:root{--red:#c8102e;--ink:#111;--mut:#555;--line:#e6e6e6;--soft:#fafafa}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6}
a{color:var(--ink)}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
header.top{border-bottom:1px solid var(--line);position:sticky;top:0;background:#fff;z-index:10}
header.top .wrap{display:flex;justify-content:space-between;align-items:center;height:64px}
.logo{font-weight:800;font-size:1.2rem;text-decoration:none;letter-spacing:-.02em}
.logo span{color:var(--red)}
nav a{margin-left:22px;text-decoration:none;font-size:.95rem;color:var(--mut)}
nav a:hover{color:var(--red)}
.btn{display:inline-block;background:var(--ink);color:#fff;padding:14px 26px;border-radius:6px;text-decoration:none;font-weight:600;border:0;cursor:pointer;font-size:1rem}
.btn:hover{background:var(--red)}
.btn.ghost{background:#fff;color:var(--ink);border:1.5px solid var(--ink)}
.hero{padding:88px 0 72px;border-bottom:1px solid var(--line)}
.eyebrow{color:var(--red);font-weight:700;text-transform:uppercase;font-size:.8rem;letter-spacing:.12em}
h1{font-size:clamp(2.1rem,5vw,3.5rem);line-height:1.1;letter-spacing:-.03em;margin:14px 0 20px;max-width:820px}
h2{font-size:clamp(1.6rem,3vw,2.2rem);letter-spacing:-.02em;margin-bottom:12px}
h3{font-size:1.1rem;margin-bottom:6px}
.lead{font-size:1.2rem;color:var(--mut);max-width:680px;margin-bottom:30px}
.cta-row{display:flex;gap:14px;flex-wrap:wrap}
.chips{margin-top:28px;display:flex;gap:18px;flex-wrap:wrap;color:var(--mut);font-size:.9rem}
.chips li{list-style:none}.chips li:before{content:"✓ ";color:var(--red);font-weight:700}
section{padding:72px 0;border-bottom:1px solid var(--line)}
section.alt{background:var(--soft)}
.sub{color:var(--mut);max-width:680px;margin-bottom:36px}
.grid{display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(230px,1fr))}
.card{border:1px solid var(--line);border-radius:10px;padding:24px;background:#fff}
.card .n{display:inline-block;width:34px;height:34px;border-radius:50%;background:var(--ink);color:#fff;text-align:center;line-height:34px;font-weight:700;margin-bottom:12px}
.card.accent{border-top:3px solid var(--red)}
.card p{color:var(--mut);font-size:.95rem}
.faq details{border-bottom:1px solid var(--line);padding:18px 0}
.faq summary{font-weight:600;cursor:pointer;font-size:1.05rem}
.faq summary::marker{color:var(--red)}
.faq p{color:var(--mut);margin-top:10px;max-width:820px}
form{display:grid;grid-template-columns:1fr 1fr;gap:16px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:32px;border-top:4px solid var(--red)}
form .full{grid-column:1/-1}
label{font-size:.85rem;font-weight:600;display:block;margin-bottom:6px}
input,select,textarea{width:100%;padding:12px;border:1px solid #ccc;border-radius:6px;font:inherit}
input:focus,select:focus,textarea:focus{outline:2px solid var(--red);border-color:transparent}
.fine{font-size:.8rem;color:var(--mut)}
footer{padding:40px 0;font-size:.85rem;color:var(--mut)}
.prose p{margin-bottom:16px;max-width:780px}.prose ul{margin:0 0 16px 20px;max-width:780px}
@media(max-width:720px){nav{display:none}form{grid-template-columns:1fr}.hero{padding:56px 0}}
.crumbs{padding-top:18px;font-size:.85rem;color:var(--mut)}.crumbs a{color:var(--mut)}
.article{max-width:780px}.article h2{margin-top:36px;font-size:1.5rem}.article p,.article li{font-size:1.05rem}
.answer{border-left:4px solid var(--red);background:var(--soft);padding:18px 22px;margin:8px 0 24px;font-size:1.1rem}
.note{font-size:.85rem;color:var(--mut);border:1px solid var(--line);padding:14px;border-radius:8px;margin:24px 0}
.cta-box{border:1px solid var(--ink);border-radius:10px;padding:24px;margin:32px 0}
table{border-collapse:collapse;width:100%;margin:12px 0 24px}td,th{border:1px solid var(--line);padding:10px;text-align:left;font-size:.95rem}th{background:var(--soft)}
.list{columns:3;column-gap:24px}.list li{list-style:none;margin-bottom:6px}@media(max-width:720px){.list{columns:2}}