@font-face { font-family: "Montserrat"; src: url("/assets/montserrat-400.ttf") format("truetype"); font-style: normal; font-weight: 400; font-display: swap; }
@font-face { font-family: "Montserrat"; src: url("/assets/montserrat-500.ttf") format("truetype"); font-style: normal; font-weight: 500; font-display: swap; }
@font-face { font-family: "Montserrat"; src: url("/assets/montserrat-600.ttf") format("truetype"); font-style: normal; font-weight: 600; font-display: swap; }
@font-face { font-family: "Montserrat"; src: url("/assets/montserrat-700.ttf") format("truetype"); font-style: normal; font-weight: 700; font-display: swap; }
@font-face { font-family: "Montserrat"; src: url("/assets/montserrat-800.ttf") format("truetype"); font-style: normal; font-weight: 800; font-display: swap; }

:root {
  --sk-orange: #1D6FB8;
  --sk-orange-hover: #175A96;
  --sk-orange-tint: #D7E7F5;
  --sk-ink: #232323;
  --sk-ink-strong: #16161a;
  --sk-black: #17160f;
  --sk-muted: #6b6b6b;
  --sk-bg: #ffffff;
  --sk-cream: #ffffff;
  --sk-cream-2: #ffffff;
  --sk-border: #eee9e0;
  --sk-border-soft: rgba(0, 0, 0, 0.09);
  --sk-r-pill: 999px;
  --sk-r-card: 26px;
  --sk-r-md: 18px;
  --sk-r-sm: 14px;
  --sk-shadow: 0 14px 34px -16px rgba(35, 35, 35, 0.14);
  --sk-shadow-sm: 0 1px 2px rgba(0, 0, 0, 0.04);
  --sk-maxw: 1200px;
  --sk-font: "Montserrat", system-ui, -apple-system, "Segoe UI", sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--sk-ink);
  background: var(--sk-bg);
  font-family: var(--sk-font);
  font-size: 16px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
body.menu-open { overflow: hidden; }
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }
button, input, select, textarea { font: inherit; }
button, summary { cursor: pointer; }
:focus-visible { outline: 3px solid rgba(255, 90, 31, 0.35); outline-offset: 3px; }
.skip-link { position: fixed; left: 16px; top: -80px; z-index: 1000; padding: 10px 16px; border-radius: var(--sk-r-pill); background: var(--sk-black); color: #fff; font-weight: 700; }
.skip-link:focus { top: 14px; }
.container { width: min(calc(100% - 48px), var(--sk-maxw)); margin-inline: auto; }
.narrow { width: min(calc(100% - 48px), 820px); margin-inline: auto; }
.section { padding: 78px 0; }
.section-sm { padding: 52px 0; }
.section-cream { background: var(--sk-cream); }
.section-dark { background: var(--sk-black); color: #fff; }
.eyebrow, .chip {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 14px;
  border: 1px solid var(--sk-border-soft);
  border-radius: var(--sk-r-pill);
  color: var(--sk-ink-strong);
  background: var(--sk-cream-2);
  font-size: 13px;
  font-weight: 700;
  line-height: 1.25;
}
.eyebrow::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: var(--sk-orange); box-shadow: 0 0 0 4px rgba(255,90,31,.13); }
h1, h2, h3, h4 { margin: 0; color: var(--sk-ink-strong); letter-spacing: -0.02em; line-height: 1.1; }
h1 { font-size: clamp(2.15rem, 4.5vw, 3rem); font-weight: 800; }
h2 { font-size: clamp(1.9rem, 3.5vw, 2.55rem); font-weight: 700; }
h3 { font-size: 1.28rem; font-weight: 800; }
h4 { font-size: 1rem; font-weight: 800; }
.section-dark h1, .section-dark h2, .section-dark h3 { color: #fff; }
.accent { color: var(--sk-orange); }
p { margin: 0 0 1.2em; }
.lead { margin-top: 22px; color: var(--sk-muted); font-size: clamp(1.03rem, 1.5vw, 1.15rem); line-height: 1.65; }
.muted { color: var(--sk-muted); }
.kicker { margin-bottom: 16px; }
.section-heading { max-width: 760px; margin-bottom: 34px; }
.section-heading p { margin-top: 16px; color: var(--sk-muted); }
.btn {
  display: inline-flex;
  min-height: 46px;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 11px 20px;
  border: 0;
  border-radius: var(--sk-r-pill);
  background: var(--sk-orange);
  color: #fff;
  font-size: 14px;
  font-weight: 700;
  line-height: 1;
  box-shadow: 0 10px 22px -13px rgba(232,72,15,.8);
  transition: transform .18s ease, background .18s ease, box-shadow .18s ease;
}
.btn:hover { background: var(--sk-orange-hover); transform: translateY(-1px); box-shadow: 0 14px 28px -14px rgba(232,72,15,.8); }
.btn-large { min-height: 54px; padding: 15px 28px; border-radius: 12px; }
.btn-secondary { border: 1px solid var(--sk-border-soft); background: #fff; color: var(--sk-ink-strong); box-shadow: var(--sk-shadow-sm); }
.btn-secondary:hover { background: var(--sk-cream-2); color: var(--sk-ink-strong); }
.btn-ghost-dark { border: 1px solid rgba(255,255,255,.18); background: rgba(255,255,255,.07); color: #fff; box-shadow: none; }
.btn-ghost-dark:hover { background: rgba(255,255,255,.13); }
.button-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }

.site-header { position: sticky; top: 0; z-index: 100; border-bottom: 1px solid rgba(238,233,224,.85); background: rgba(255,255,255,.94); backdrop-filter: blur(14px); }
.nav-wrap { display: flex; min-height: 76px; align-items: center; gap: 24px; }
.brand { display: inline-flex; flex: 0 0 auto; align-items: center; gap: 11px; color: var(--sk-ink-strong); font-size: 16px; font-weight: 800; letter-spacing: -.02em; }
.brand-mark { display: grid; width: 38px; height: 38px; place-items: center; border-radius: 11px; background: var(--sk-orange); color: #fff; box-shadow: 0 8px 18px -10px var(--sk-orange-hover); }
.brand-mark svg { width: 21px; }
.main-nav { display: flex; flex: 1; align-items: center; justify-content: center; gap: 4px; }
.nav-link, .nav-summary { display: flex; align-items: center; gap: 5px; padding: 10px 11px; border-radius: 10px; color: var(--sk-ink); font-size: 13px; font-weight: 600; line-height: 1; list-style: none; }
.nav-link:hover, .nav-summary:hover, details[open] > .nav-summary { background: var(--sk-cream-2); color: var(--sk-orange-hover); }
.nav-dropdown { position: relative; }
.nav-dropdown > summary::-webkit-details-marker { display: none; }
.nav-summary::after { content: "⌄"; margin-top: -3px; font-size: 13px; }
.dropdown-panel { position: absolute; top: calc(100% + 12px); left: 50%; width: min(630px, calc(100vw - 48px)); padding: 22px; transform: translateX(-50%); border: 1px solid var(--sk-border); border-radius: var(--sk-r-md); background: #fff; box-shadow: var(--sk-shadow); }
.dropdown-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 8px; }
.dropdown-item { display: block; padding: 13px; border-radius: 12px; }
.dropdown-item:hover { background: var(--sk-cream); }
.dropdown-item strong { display: block; color: var(--sk-ink-strong); font-size: 13px; }
.dropdown-item span { display: block; margin-top: 2px; color: var(--sk-muted); font-size: 12px; }
.nav-cta { flex: 0 0 auto; }
.menu-toggle { display: none; width: 44px; height: 44px; margin-left: auto; border: 1px solid var(--sk-border); border-radius: 12px; background: #fff; color: var(--sk-ink-strong); }
.menu-toggle span, .menu-toggle::before, .menu-toggle::after { content: ""; display: block; width: 20px; height: 2px; margin: 4px auto; background: currentColor; transition: transform .2s ease, opacity .2s ease; }

.breadcrumb { padding-top: 26px; color: var(--sk-muted); font-size: 12px; font-weight: 600; }
.breadcrumb a:hover { color: var(--sk-orange-hover); }
.breadcrumb span { margin: 0 7px; }
.hero { overflow: hidden; padding: 52px 0 84px; background: #ffffff; }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.03fr) minmax(390px, .97fr); align-items: center; gap: 58px; }
.hero-copy { max-width: 650px; }
.hero-copy h1 { margin-top: 20px; }
.hero-points { display: grid; gap: 12px; margin: 24px 0 0; padding: 0; list-style: none; }
.hero-points li { display: flex; align-items: flex-start; gap: 11px; color: var(--sk-ink); font-size: 15px; font-weight: 600; }
.check { display: grid; flex: 0 0 21px; width: 21px; height: 21px; margin-top: 2px; place-items: center; border-radius: 50%; background: var(--sk-orange); color: #fff; font-size: 12px; font-weight: 800; }
.hero-visual { position: relative; padding: 18px; border: 1px solid var(--sk-border); border-radius: var(--sk-r-card); background: rgba(255,255,255,.88); box-shadow: var(--sk-shadow); }
.hero-visual img { width: 100%; aspect-ratio: 4/3; border-radius: 19px; object-fit: cover; }
.floating-note { position: absolute; display: flex; align-items: center; gap: 9px; padding: 10px 13px; border: 1px solid var(--sk-border); border-radius: var(--sk-r-sm); background: #fff; box-shadow: var(--sk-shadow); font-size: 12px; font-weight: 700; }
.floating-note::before { content: "✓"; display: grid; width: 22px; height: 22px; place-items: center; border-radius: 50%; background: var(--sk-orange); color: #fff; }
.floating-note.one { right: -18px; top: 18%; }
.floating-note.two { left: -24px; bottom: 15%; }
.trust-strip { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 18px; }
.trust-item { padding: 13px; border-radius: 13px; background: var(--sk-cream-2); text-align: center; }
.trust-item strong { display: block; color: var(--sk-ink-strong); font-size: 13px; }
.trust-item span { color: var(--sk-muted); font-size: 11px; }

.page-hero { padding: 42px 0 68px; background: #ffffff; }
.page-hero-grid { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(300px, .7fr); align-items: center; gap: 60px; }
.page-hero h1 { margin-top: 18px; }
.snapshot { padding: 28px; border: 1px solid var(--sk-border); border-radius: var(--sk-r-card); background: #fff; box-shadow: var(--sk-shadow); }
.snapshot h3 { margin-bottom: 18px; }
.snapshot-list { display: grid; gap: 14px; margin: 0; padding: 0; list-style: none; }
.snapshot-list li { display: grid; grid-template-columns: 34px 1fr; align-items: center; gap: 12px; }
.snapshot-icon { display: grid; width: 34px; height: 34px; place-items: center; border-radius: 10px; background: var(--sk-orange-tint); color: var(--sk-orange-hover); font-weight: 800; }
.snapshot-list strong { display: block; color: var(--sk-ink-strong); font-size: 13px; }
.snapshot-list span { display: block; color: var(--sk-muted); font-size: 12px; }

.card-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; }
.card-grid.two { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.card { position: relative; display: flex; min-height: 100%; flex-direction: column; padding: 26px; border: 1px solid var(--sk-border); border-radius: var(--sk-r-md); background: #fff; box-shadow: var(--sk-shadow-sm); transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease; }
a.card:hover { transform: translateY(-3px); border-color: rgba(255,90,31,.28); box-shadow: var(--sk-shadow); }
.card-icon { display: grid; width: 44px; height: 44px; margin-bottom: 22px; place-items: center; border-radius: 13px; background: var(--sk-orange-tint); color: var(--sk-orange-hover); font-size: 18px; font-weight: 800; }
.card p { margin: 12px 0 18px; color: var(--sk-muted); font-size: 14px; }
.card-link { margin-top: auto; color: var(--sk-orange-hover); font-size: 13px; font-weight: 800; }
.content-layout { display: grid; grid-template-columns: minmax(0, 1fr) 310px; align-items: start; gap: 56px; }
.prose { max-width: 780px; }
.prose h2 { margin: 54px 0 18px; font-size: clamp(1.65rem, 3vw, 2.15rem); }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin: 34px 0 14px; }
.prose p { color: #3e3d3a; }
.prose ul, .prose ol { margin: 0 0 1.4em; padding-left: 22px; }
.prose li { margin-bottom: 8px; }
.prose a { color: var(--sk-orange-hover); text-decoration: underline; text-decoration-thickness: 1px; text-underline-offset: 3px; }
.sidebar { position: sticky; top: 100px; display: grid; gap: 16px; }
.side-card { padding: 22px; border: 1px solid var(--sk-border); border-radius: var(--sk-r-md); background: var(--sk-cream); }
.side-card h3 { margin-bottom: 11px; font-size: 17px; }
.side-card p { color: var(--sk-muted); font-size: 13px; }
.side-links { display: grid; gap: 7px; }
.side-links a { padding: 9px 10px; border-radius: 9px; font-size: 13px; font-weight: 600; }
.side-links a:hover { background: #fff; color: var(--sk-orange-hover); }
.child-pages { padding-top: 0; }
.small-card-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 14px; }
.small-card { padding: 18px; border: 1px solid var(--sk-border); border-radius: var(--sk-r-sm); background: #fff; box-shadow: var(--sk-shadow-sm); }
.small-card:hover { border-color: rgba(255,90,31,.32); box-shadow: var(--sk-shadow); }
.small-card strong { display: block; color: var(--sk-ink-strong); font-size: 14px; line-height: 1.35; }
.small-card span { display: block; margin-top: 8px; color: var(--sk-orange-hover); font-size: 12px; font-weight: 700; }

.steps { counter-reset: step; display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.step { counter-increment: step; padding: 24px; border: 1px solid var(--sk-border); border-radius: var(--sk-r-md); background: #fff; }
.step::before { content: counter(step, decimal-leading-zero); display: block; margin-bottom: 26px; color: var(--sk-orange); font-size: 30px; font-weight: 800; letter-spacing: -.04em; }
.step p { margin-top: 10px; color: var(--sk-muted); font-size: 13px; }
.stat-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.stat { padding: 14px 0; }
.stat strong { display: block; color: var(--sk-orange); font-size: clamp(2.6rem, 5vw, 3.4rem); font-weight: 800; letter-spacing: -.03em; line-height: 1; }
.stat span { display: block; margin-top: 12px; color: rgba(255,255,255,.72); font-size: 14px; }

.form-card { padding: 30px; border: 1px solid var(--sk-border); border-radius: var(--sk-r-card); background: #fff; box-shadow: var(--sk-shadow); }
.form-card h2 { font-size: 26px; }
.form-card > p { margin-top: 10px; color: var(--sk-muted); font-size: 14px; }
.form-grid { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 16px; margin-top: 24px; }
.field { display: grid; gap: 7px; }
.field.full { grid-column: 1 / -1; }
.field label { color: var(--sk-ink-strong); font-size: 12px; font-weight: 700; }
.field input, .field select, .field textarea {
  width: 100%;
  min-height: 49px;
  padding: 12px 14px;
  border: 1px solid var(--sk-border-soft);
  border-radius: var(--sk-r-sm);
  background: #fff;
  color: var(--sk-ink);
  outline: none;
}
.field textarea { min-height: 120px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--sk-orange); box-shadow: 0 0 0 4px rgba(255,90,31,.1); }
.form-note { margin: 12px 0 0; color: var(--sk-muted); font-size: 11px; }
.form-status { display: none; margin-top: 14px; padding: 12px 14px; border-radius: 12px; background: #effbf2; color: #236332; font-size: 13px; font-weight: 700; }
.form-status.show { display: block; }

.calculator { display: grid; grid-template-columns: minmax(0,1fr) minmax(280px,.72fr); gap: 26px; margin: 38px 0; }
.calculator-inputs, .calculator-results { padding: 28px; border: 1px solid var(--sk-border); border-radius: var(--sk-r-card); background: #fff; box-shadow: var(--sk-shadow-sm); }
.calculator-results { background: var(--sk-black); color: #fff; }
.calculator-results h3 { color: #fff; }
.result-grid { display: grid; gap: 12px; margin-top: 22px; }
.result-row { display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 13px 0; border-bottom: 1px solid rgba(255,255,255,.12); font-size: 13px; }
.result-row strong { color: var(--sk-orange); font-size: 18px; }

.search-shell { min-height: 520px; }
.search-box { display: flex; gap: 10px; margin: 28px 0; padding: 8px; border: 1px solid var(--sk-border); border-radius: var(--sk-r-pill); background: #fff; box-shadow: var(--sk-shadow-sm); }
.search-box input { flex: 1; min-width: 0; padding: 8px 14px; border: 0; outline: 0; background: transparent; }
.search-results { display: grid; gap: 12px; }
.search-result { padding: 19px 22px; border: 1px solid var(--sk-border); border-radius: var(--sk-r-sm); background: #fff; }
.search-result:hover { border-color: rgba(255,90,31,.3); }
.search-result h3 { font-size: 17px; }
.search-result p { margin: 8px 0 0; color: var(--sk-muted); font-size: 13px; }
.search-result small { display: block; margin-top: 8px; color: var(--sk-orange-hover); }

.faq-list { display: grid; gap: 12px; }
.faq-list details { padding: 19px 22px; border: 1px solid var(--sk-border); border-radius: var(--sk-r-sm); background: #fff; }
.faq-list summary { display: flex; align-items: center; justify-content: space-between; gap: 18px; color: var(--sk-ink-strong); font-size: 15px; font-weight: 800; list-style: none; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after { content: "+"; color: var(--sk-orange); font-size: 22px; }
.faq-list details[open] summary::after { content: "−"; }
.faq-list p { margin: 15px 0 0; color: var(--sk-muted); font-size: 14px; }
.notice { margin: 0 0 28px; padding: 15px 18px; border: 1px solid rgba(255,90,31,.22); border-radius: var(--sk-r-sm); background: #fff5ef; color: #8a3518; font-size: 13px; font-weight: 600; }
.cta-panel { display: grid; grid-template-columns: 1fr auto; align-items: center; gap: 34px; padding: 44px; border-radius: var(--sk-r-card); background: var(--sk-black); color: #fff; box-shadow: var(--sk-shadow); }
.cta-panel h2 { color: #fff; }
.cta-panel p { max-width: 650px; margin: 12px 0 0; color: rgba(255,255,255,.68); }
.sitemap-list { columns: 3; column-gap: 28px; }
.sitemap-list a { display: block; break-inside: avoid; margin-bottom: 7px; color: var(--sk-ink); font-size: 13px; }
.sitemap-list a:hover { color: var(--sk-orange-hover); }

.site-footer { padding: 64px 0 24px; background: var(--sk-black); color: #fff; }
.footer-grid { display: grid; grid-template-columns: 1.35fr repeat(4, 1fr); gap: 36px; }
.footer-brand p { max-width: 330px; margin-top: 18px; color: rgba(255,255,255,.62); font-size: 13px; }
.footer-col h3 { margin-bottom: 15px; color: #fff; font-size: 13px; }
.footer-col a { display: block; margin: 8px 0; color: rgba(255,255,255,.62); font-size: 12px; }
.footer-col a:hover { color: var(--sk-orange); }
.footer-bottom { display: flex; justify-content: space-between; gap: 24px; margin-top: 44px; padding-top: 22px; border-top: 1px solid rgba(255,255,255,.1); color: rgba(255,255,255,.47); font-size: 11px; }

@media (max-width: 1050px) {
  .main-nav, .nav-cta { display: none; }
  .menu-toggle { display: block; }
  .main-nav.open { position: fixed; inset: 77px 0 0; display: block; overflow-y: auto; padding: 20px 24px 80px; background: #fff; }
  .main-nav.open .nav-link, .main-nav.open .nav-summary { padding: 15px 5px; border-bottom: 1px solid var(--sk-border); border-radius: 0; font-size: 15px; }
  .main-nav.open .nav-dropdown { display: block; }
  .main-nav.open .dropdown-panel { position: static; width: auto; padding: 12px 0 16px; transform: none; border: 0; box-shadow: none; }
  .main-nav.open + .nav-cta { position: fixed; right: 24px; bottom: 22px; left: 24px; z-index: 101; display: flex; }
  .main-nav.open + .nav-cta .btn { width: 100%; }
  .hero-grid, .page-hero-grid { grid-template-columns: 1fr; }
  .hero-copy { max-width: 760px; }
  .hero-visual { width: min(100%, 650px); }
  .content-layout { grid-template-columns: 1fr; }
  .sidebar { position: static; grid-template-columns: repeat(2, 1fr); }
  .small-card-grid { grid-template-columns: repeat(3, 1fr); }
  .footer-grid { grid-template-columns: repeat(3, 1fr); }
  .footer-brand { grid-column: 1 / -1; }
}

@media (max-width: 760px) {
  .container, .narrow { width: min(calc(100% - 32px), var(--sk-maxw)); }
  .section { padding: 58px 0; }
  .section-sm { padding: 42px 0; }
  .nav-wrap { min-height: 68px; }
  .brand-mark { width: 36px; height: 36px; }
  .hero { padding: 38px 0 64px; }
  .hero-grid { gap: 38px; }
  .hero-visual { padding: 11px; }
  .floating-note { display: none; }
  .trust-strip { grid-template-columns: 1fr; }
  .page-hero { padding: 30px 0 54px; }
  .page-hero-grid { gap: 30px; }
  .card-grid, .card-grid.two { grid-template-columns: 1fr; }
  .small-card-grid, .steps { grid-template-columns: repeat(2, 1fr); }
  .stat-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .field.full { grid-column: auto; }
  .calculator { grid-template-columns: 1fr; }
  .sidebar { grid-template-columns: 1fr; }
  .cta-panel { grid-template-columns: 1fr; padding: 30px 24px; }
  .sitemap-list { columns: 2; }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-brand { grid-column: 1 / -1; }
  .footer-bottom { flex-direction: column; }
}

@media (max-width: 460px) {
  .button-row { flex-direction: column; }
  .button-row .btn { width: 100%; }
  .small-card-grid, .footer-grid { grid-template-columns: 1fr; }
  .sitemap-list { columns: 1; }
  .snapshot, .form-card, .calculator-inputs, .calculator-results { padding: 22px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
}

/* image placeholder (replaces removed hero graphic) */
.media-placeholder{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:8px;width:100%;aspect-ratio:4/3;background:#fff;border:2px dashed var(--sk-border,#e5e5e5);border-radius:var(--sk-r-card,20px);color:var(--sk-muted,#8a8a8a);text-align:center;font-family:var(--sk-font,system-ui)}
.media-placeholder svg{width:44px;height:44px;opacity:.5}
.media-placeholder span{font-size:13px;font-weight:600;letter-spacing:.01em}

/* hero inline graphic */
.hero-art{display:block;width:100%;height:auto;max-width:520px;margin:0 auto}