:root{
  --navy:#16293f; --navy-d:#0f1e30; --accent:#8a5f1c; --text:#222b36; --muted:#5a6573;
  --line:#dde2e8; --bg:#fff; --soft:#f5f6f8; --r:4px; --sec:44px;
  --font:Arial,Helvetica,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
html,body{overflow-x:clip}
body{font-family:var(--font);color:var(--text);background:var(--bg);font-size:16px;line-height:1.4}
img{max-width:100%;display:block}
a{color:var(--navy);text-decoration:none}
a:hover{color:var(--accent)}
ul,ol{list-style:none}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
h1,h2,h3,h4{font-family:var(--font);color:var(--navy-d);line-height:1.15;font-weight:700}
h1{font-size:clamp(1.8rem,3.6vw,2.6rem);margin-bottom:12px}
h2{font-size:clamp(1.35rem,2.4vw,1.75rem);margin-bottom:10px}
h3{font-size:1.08rem;margin-bottom:6px}
p{margin-bottom:10px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:99}
:focus-visible{outline:2px solid var(--accent);outline-offset:2px}

/* top bar + header */
.topbar{background:var(--navy-d);color:#c5cfdb;font-size:13px}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;padding-top:7px;padding-bottom:7px;flex-wrap:wrap}
.topbar a{color:#e5ebf2;text-decoration:none}
.topbar a:hover{text-decoration:none;color:#fff}
.header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:40}
.header .wrap{display:flex;align-items:center;justify-content:space-between;height:66px}
.logo{display:block;text-decoration:none;line-height:0}
.logo img{height:42px;width:auto}
.logo b{display:block;font-size:19px;letter-spacing:.01em}
.logo span{font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:var(--accent);font-weight:700}
.nav{display:flex;align-items:center;gap:4px}
.nav>a,.nav .dd>a{display:block;padding:10px 12px;font-size:15px;color:var(--text);text-decoration:none;font-weight:600}
.nav>a:hover,.nav .dd>a:hover,.nav a.on{color:var(--accent)}
.nav .btn{margin-left:8px;color:#fff;padding:10px 16px;background:var(--accent);border-color:var(--accent)}
.nav .btn:hover{background:#a47228;border-color:#a47228}
.nav .btn:hover{color:#fff}
.dd{position:relative}
.dd-m{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);min-width:270px;padding:6px 0;box-shadow:0 8px 20px rgba(0,0,0,.08)}
.dd:hover .dd-m,.dd:focus-within .dd-m{display:block}
.dd-m a{display:block;padding:9px 16px;font-size:14.5px;color:var(--text);text-decoration:none}
.dd-m a:hover{background:var(--soft);color:var(--accent)}
.burger{display:none;background:var(--navy);border:0;border-radius:var(--r);width:42px;height:38px;cursor:pointer;font-size:20px;color:#fff}

.btn{display:inline-block;background:var(--navy);color:#fff;padding:12px 22px;border-radius:var(--r);text-decoration:none;font-weight:700;font-size:15px;border:1px solid var(--navy);cursor:pointer;font-family:var(--font)}
.btn:hover{background:var(--navy-d);color:#fff}
.btn.alt{background:#34506f;border-color:#34506f;color:#fff}
.btn.alt:hover{background:#27405c;border-color:#27405c;color:#fff}
.btn.gold{background:var(--accent);border-color:var(--accent)}
.btn.gold:hover{background:#74500f}
.btns{display:flex;gap:10px;flex-wrap:wrap;margin-top:16px}

/* breadcrumbs / page head */
.crumbs{font-size:13px;color:var(--muted);padding:12px 0 0}
.crumbs a{color:var(--muted)}
.pagehead{background:var(--soft);border-bottom:1px solid var(--line);padding:30px 0 26px}
.pagehead h1{margin-top:0}
.pagehead p{max-width:720px;color:var(--muted);font-size:1.05rem;margin-bottom:0}

/* hero */
.hero{padding:34px 0;border-bottom:1px solid var(--line)}
.hero .wrap{display:grid;grid-template-columns:1.1fr 1fr;gap:36px;align-items:center}
.hero .kick{font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--accent);margin-bottom:8px}
.hero p.lead{font-size:1.1rem;color:var(--muted);max-width:540px}
.ph{background:#d9dfe6;border-radius:var(--r);overflow:hidden;position:relative}
.ph img{width:100%;height:100%;object-fit:cover}
.ph.r43{aspect-ratio:4/3}.ph.r169{aspect-ratio:16/9}.ph.r32{aspect-ratio:3/2}.ph.r1{aspect-ratio:1}
.cap{font-size:12px;color:var(--muted);margin-top:5px}

/* sections */
.sec{padding:var(--sec) 0}
.sec.soft{background:var(--soft)}
.sec.navy{background:var(--navy);color:#e3e9f0}
.sec.navy h2,.sec.navy h3{color:#fff}
.sec.navy a{color:#fff}
.sec-h{margin-bottom:18px;max-width:700px}
.sec-h p{color:var(--muted);margin:0}
.navy .sec-h p{color:#b9c5d4}
.two{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:center}
.two.top{align-items:start}
.three{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.four{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.num{font-size:34px;font-weight:700;color:var(--navy);line-height:1}

.svc{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column}
.svc .ph{border-radius:0;aspect-ratio:3/2}
.svc div.t{padding:14px 16px 16px;display:flex;flex-direction:column;flex:1}
.svc h3 a{text-decoration:none}
.svc p{font-size:14.5px;color:var(--muted);flex:1}
.more{display:inline-block;align-self:flex-start;margin-top:6px;padding:8px 16px;border:0;border-radius:var(--r);background:var(--navy);color:#fff;font-size:13.5px;font-weight:700;text-decoration:none;transition:background .2s}
.more:hover{background:var(--accent);color:#fff}
.list li{padding:8px 0 8px 22px;position:relative;border-bottom:1px solid var(--line);font-size:15px}
.list li:last-child{border-bottom:0}
.list li:before{content:"";position:absolute;left:2px;top:17px;width:8px;height:8px;background:var(--accent)}
.list.plain li{border:0;padding:5px 0 5px 22px}
.list.plain li:before{top:13px}
.steps{counter-reset:s}
.steps li{counter-increment:s;padding:0 0 14px 44px;position:relative}
.steps li:before{content:counter(s);position:absolute;left:0;top:0;width:30px;height:30px;background:var(--navy);color:#fff;border-radius:50%;text-align:center;line-height:30px;font-weight:700;font-size:14px}
.navy .steps li:before{background:#fff;color:var(--navy)}
.steps h3{margin-bottom:2px}
.steps p{margin:0;font-size:14.5px;color:var(--muted)}
.navy .steps p{color:#b9c5d4}
.facts{border:1px solid var(--line);border-radius:var(--r);background:#fff}
.facts div{padding:12px 16px;border-bottom:1px solid var(--line);font-size:14.5px}
.facts div:last-child{border:0}
.facts b{display:block;font-size:12px;text-transform:uppercase;letter-spacing:.07em;color:var(--muted);margin-bottom:2px}
.quote{border-left:3px solid var(--accent);padding:4px 0 4px 16px;font-size:1.1rem;color:var(--navy-d);margin:6px 0 14px}
table.t{width:100%;border-collapse:collapse;font-size:15px}
table.t th,table.t td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
table.t th{background:var(--soft);font-size:13px;text-transform:uppercase;letter-spacing:.05em;color:var(--muted)}
details{border-bottom:1px solid var(--line);padding:12px 0}
details summary{cursor:pointer;font-weight:700;color:var(--navy-d)}
details p{margin:8px 0 0;color:var(--muted)}
.cta{background:var(--navy);color:#fff;padding:26px 0}
.cta .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap}
.cta h2{color:#fff;margin:0}
.cta p{margin:2px 0 0;color:#b9c5d4}
.cta .btn{background:var(--accent);color:#fff;border-color:var(--accent)}
.cta .btn:hover{background:#a47228;border-color:#a47228;color:#fff}

/* blog */
.blog{display:grid;grid-template-columns:250px 1fr;gap:36px;padding:32px 0 var(--sec);align-items:start}
.side{position:sticky;top:84px}
.side .box{border:1px solid var(--line);border-radius:var(--r);margin-bottom:16px;background:#fff}
.side h3{font-size:13px;text-transform:uppercase;letter-spacing:.07em;padding:11px 14px;border-bottom:1px solid var(--line);background:var(--soft);margin:0;color:var(--muted)}
.side li a{display:flex;justify-content:space-between;gap:8px;padding:9px 14px;text-decoration:none;font-size:14.5px;border-bottom:1px solid var(--line);color:var(--text)}
.side li:last-child a{border-bottom:0}
.side li a:hover,.side li a.on{background:var(--soft);color:var(--accent);font-weight:700}
.side li a span{color:var(--muted);font-weight:400}
.side .rec a{display:block}
.side form{padding:12px 14px}
.side input{width:100%;padding:9px 10px;border:1px solid var(--line);border-radius:var(--r);font:15px var(--font)}
.side .cbox{padding:14px}
.side .cbox p{font-size:14px;color:var(--muted)}
.post-card{display:grid;grid-template-columns:230px 1fr;gap:20px;padding:20px 0;border-bottom:1px solid var(--line)}
.post-card:first-child{padding-top:0}
.post-card h2{font-size:1.2rem;margin:4px 0 6px}
.post-card h2 a{text-decoration:none}
.post-card p{color:var(--muted);font-size:15px;margin-bottom:6px}
.meta{font-size:13px;color:var(--muted)}
.meta a{color:var(--accent);font-weight:700;text-decoration:none}
.article{max-width:740px}
.article h1{font-size:clamp(1.7rem,3vw,2.2rem)}
.article .ph{margin:16px 0 20px}
.article h2{margin-top:24px}
.article p,.article li{font-size:17px;line-height:1.5}
.article ul{margin:0 0 14px 20px;list-style:disc}
.article li{padding:2px 0}
.notice{background:var(--soft);border:1px solid var(--line);padding:12px 14px;font-size:14px;color:var(--muted);margin-top:24px;border-radius:var(--r)}
.related{margin-top:30px;padding-top:18px;border-top:1px solid var(--line)}
.related li{padding:6px 0}

/* forms */
.form{display:grid;gap:14px}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
label{display:grid;gap:5px;font-size:14px;font-weight:700}
input,select,textarea{font:16px var(--font);padding:11px 12px;border:1px solid #b9c1cb;border-radius:var(--r);background:#fff;width:100%;color:var(--text)}
input:focus,select:focus,textarea:focus{outline:2px solid var(--navy);outline-offset:0;border-color:var(--navy)}
.hp{position:absolute;left:-9999px}
.msg{padding:12px 14px;border-radius:var(--r);font-size:15px;margin-bottom:14px;display:none}
.msg.ok{background:#e8f4ec;color:#1b5e35;display:block}.msg.bad{background:#fbeaea;color:#8a1f1f;display:block}

/* footer */
.footer{background:var(--navy-d);color:#aab6c5;padding:34px 0 0;font-size:14.5px}
.footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:28px}
.footer h4{color:#fff;font-size:14px;margin-bottom:10px;text-transform:uppercase;letter-spacing:.07em}
.footer a{color:#aab6c5;text-decoration:none}
.footer a:hover{color:#fff;text-decoration:none}
.footer li{padding:3px 0}
.footer p{margin-bottom:8px}
.footer .logo b{color:#fff}
.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:26px;padding:14px 0;font-size:13px;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}

@media (max-width:900px){
  :root{--sec:34px}
  .burger{display:block}
  .nav{display:none;position:absolute;top:66px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:6px 20px 16px;gap:0;max-height:calc(100vh - 66px);overflow:auto}
  .nav.open{display:flex}
  .nav>a,.nav .dd>a{padding:11px 0;border-bottom:1px solid var(--line)}
  .dd-m{display:block;position:static;border:0;box-shadow:none;padding:0 0 0 14px}
  .nav .btn{margin:12px 0 0;text-align:center}
  .hero .wrap,.two,.three,.four{grid-template-columns:1fr}
  .three,.four{gap:16px}
  .hero{padding:24px 0}
  .blog{grid-template-columns:1fr;gap:20px;padding-top:20px}
  .side{position:static;order:2}
  .footer .cols{grid-template-columns:1fr 1fr}
  .topbar .wrap>span:last-child{display:none}
}
@media (max-width:560px){
  .wrap{padding:0 16px}
  .post-card{grid-template-columns:1fr;gap:10px}
  .form .row,.footer .cols{grid-template-columns:1fr}
  .btns .btn{flex:1;text-align:center}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

/* ---------- interactive additions ---------- */
.header{transition:box-shadow .25s}
.header.stuck{box-shadow:0 4px 16px rgba(15,30,48,.1)}
.nav>a,.nav .dd>a{position:relative}
.nav>a:not(.btn):after,.nav .dd>a:after{content:"";position:absolute;left:12px;right:12px;bottom:4px;height:2px;background:var(--accent);transform:scaleX(0);transform-origin:left;transition:transform .25s}
.nav>a:not(.btn):hover:after,.nav .dd>a:hover:after,.nav a.on:after{transform:scaleX(1)}
.btn{transition:background .2s,transform .15s,box-shadow .2s}
.btn:hover{transform:translateY(-1px);box-shadow:0 4px 10px rgba(15,30,48,.18)}
.btn:active{transform:none;box-shadow:none}
.ph img{transition:transform .6s ease}
.svc:hover .ph img,.post-card:hover .ph img{transform:scale(1.05)}
.svc{transition:box-shadow .25s,transform .25s}
.svc:hover{box-shadow:0 10px 24px -12px rgba(15,30,48,.3);transform:translateY(-3px)}
.js .rv{opacity:0;transform:translateY(14px);transition:opacity .55s ease,transform .55s ease}
.js .rv.in{opacity:1;transform:none}
.progress{position:fixed;top:0;left:0;height:3px;width:0;background:var(--accent);z-index:100;transition:width .1s}
.totop{position:fixed;right:16px;bottom:16px;width:42px;height:42px;border-radius:50%;border:0;background:var(--navy);color:#fff;font-size:18px;cursor:pointer;opacity:0;pointer-events:none;transform:translateY(8px);transition:.25s;z-index:60;box-shadow:0 4px 12px rgba(0,0,0,.25)}
.totop.show{opacity:1;pointer-events:auto;transform:none}
.totop:hover{background:var(--accent)}

/* button lists */
.btnlist{display:flex;flex-wrap:wrap;gap:8px}
.btnlist a{display:inline-block;padding:8px 14px;border:0;background:#efe5d3;border-radius:var(--r);font-size:14px;font-weight:600;text-decoration:none;color:#5a3d0e;transition:.2s}
.btnlist a:hover{background:var(--accent);color:#fff}

/* sector tabs */
.tabs{display:grid;grid-template-columns:280px 1fr;gap:20px;align-items:start}
.tablist{display:flex;flex-direction:column;gap:4px}
.tab{background:rgba(255,255,255,.06);border:0;color:#d5deea;text-align:left;padding:11px 14px;border-radius:var(--r);font:600 14.5px var(--font);cursor:pointer;transition:background .2s,color .2s}
.tab:hover{background:rgba(255,255,255,.14);color:#fff}
.tab.on{background:var(--accent);color:#fff}
.panels{background:rgba(255,255,255,.07);border-radius:var(--r);padding:22px;min-height:180px}
.panel{animation:fade .35s ease}
.panel h3{font-size:1.25rem;margin-bottom:8px}
.panel p{color:#c9d4e2}
.panel .more{background:var(--accent);color:#fff}
.panel .more:hover{background:#a47228;color:#fff}
@keyframes fade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}

/* service finder */
.finder{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px;min-height:220px}
.finder .q{font-weight:700;color:var(--navy-d);margin-bottom:12px}
.finder .opts{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.finder .opt{padding:11px 12px;border:0;background:#e3e9f0;border-radius:var(--r);text-align:left;font:600 14px var(--font);cursor:pointer;color:var(--navy);transition:.2s}
.finder .opt:hover{background:var(--navy);color:#fff}
.finder .dots{display:flex;gap:6px;margin-bottom:14px}
.finder .dots i{height:4px;flex:1;background:var(--line);border-radius:2px}
.finder .dots i.on{background:var(--accent)}
.finder .res{animation:fade .35s ease}
.finder .res h3{font-size:1.2rem}
.finder .back{background:#e3e9f0;border:0;padding:6px 12px;border-radius:var(--r);color:var(--navy);font:13px var(--font);cursor:pointer;margin-top:12px;font-weight:600}

/* calculators */
.calcs{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;align-items:start}
.calc{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px;display:grid;gap:12px}
.calc h2{font-size:1.15rem;margin:0}
.muted{color:var(--muted);font-size:14px;margin:0}
.hint{font-weight:400;font-size:12px;color:var(--muted)}
.out{background:var(--soft);border-radius:var(--r);padding:14px;display:grid;gap:10px}
.out span{display:block;font-size:12px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}
.out b{font-size:1.05rem;color:var(--navy-d)}
.out .big b{font-size:1.5rem}
.out .row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.bar{height:8px;border-radius:4px;background:#d5dbe3;overflow:hidden}
.bar i{display:block;height:100%;width:0;background:var(--navy);transition:width .4s ease}
.bar.risk i{background:#b3261e}.bar.ok i{background:#1b6b3a}.bar.warn i{background:#b7791f}
.legend{font-size:12px;color:var(--muted);margin:0}
.legend span{display:inline-block;width:10px;height:10px;margin:0 4px 0 8px;vertical-align:-1px;text-transform:none}
.k1{background:var(--navy)}.k2{background:#d5dbe3}

/* article extras */
.toc{border:1px solid var(--line);background:var(--soft);border-radius:var(--r);padding:12px 16px;margin:16px 0}
.toc b{display:block;font-size:13px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);margin-bottom:6px}
.toc a{display:block;padding:3px 0;font-size:15px;text-decoration:none}
.toc a:hover{color:var(--accent)}
.toc a.on{font-weight:700;color:var(--accent)}
.share{display:flex;gap:8px;flex-wrap:wrap;align-items:center;margin-top:22px;padding-top:16px;border-top:1px solid var(--line)}
.share span{font-size:13px;color:var(--muted);font-weight:700}
.share a,.share button{padding:7px 12px;border:0;border-radius:var(--r);background:#e3e9f0;font:600 13px var(--font);color:var(--navy);cursor:pointer;text-decoration:none}
.share a:hover,.share button:hover{background:var(--navy);color:#fff}

/* blog filters */
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:18px}
.chip{padding:7px 14px;border:0;border-radius:var(--r);background:#e3e9f0;font:600 13.5px var(--font);color:var(--navy);cursor:pointer;transition:.2s}
.chip:hover{background:#d3dce8}
.chip.on{background:var(--navy);color:#fff}
.empty{padding:20px;background:var(--soft);border-radius:var(--r);color:var(--muted)}
.post-card.hide{display:none}
.side #bresults{list-style:none}
.side #bresults:empty{display:none}
.side #bresults li a{font-size:13.5px}

/* form */
input:user-invalid,textarea:user-invalid{border-color:#b3261e}
.form .btn[disabled]{opacity:.6;cursor:wait}
.table-wrap{overflow-x:auto}

@media (max-width:1000px){.calcs{grid-template-columns:1fr 1fr}}
@media (max-width:900px){
  .tabs{grid-template-columns:1fr}
  .tablist{flex-direction:row;overflow-x:auto;gap:6px;padding-bottom:4px;scrollbar-width:thin}
  .tab{white-space:nowrap;flex:none}
  .calcs{grid-template-columns:1fr}
}

/* ---------- mobile refinements: smaller type, tighter rhythm ---------- */
@media (max-width:700px){
  :root{--sec:30px}
  body{font-size:14.5px;line-height:1.4}
  h1{font-size:1.55rem;line-height:1.15}
  h2{font-size:1.25rem}
  h3{font-size:1rem}
  p{margin-bottom:10px}
  .wrap{padding:0 16px}
  .topbar{font-size:11.5px}.topbar .wrap{padding-top:5px;padding-bottom:5px}
  .header .wrap{height:56px}
  .nav{top:56px;max-height:calc(100vh - 56px)}
  .logo b{font-size:16px}.logo span{font-size:9.5px}
  .nav>a,.nav .dd>a{font-size:14.5px;padding:10px 0}
  .dd-m a{font-size:13.5px;padding:7px 0}
  .btn{font-size:14px;padding:11px 18px}
  .hero{padding:20px 0}
  .hero .wrap{gap:18px}
  .hero .kick{font-size:11.5px}
  .hero p.lead{font-size:.98rem}
  .pagehead{padding:20px 0 18px}
  .pagehead p{font-size:.95rem}
  .sec-h{margin-bottom:14px}
  .svc div.t{padding:12px 14px 14px}
  .svc p{font-size:13.5px}
  .three,.four{gap:14px}
  .list li{font-size:14px}
  .facts div{font-size:13.5px;padding:10px 14px}
  .post-card{padding:16px 0}
  .post-card h2{font-size:1.08rem}
  .post-card p{font-size:13.5px}
  .article p,.article li{font-size:15.5px;line-height:1.45}
  .article h1{font-size:1.5rem}
  .article h2{font-size:1.2rem;margin-top:20px}
  .meta{font-size:12px}
  .blog{padding-top:16px}
  .side h3{font-size:12px}.side li a{font-size:13.5px;padding:8px 12px}
  .tab{font-size:13.5px;padding:9px 12px}
  .panels{padding:16px}
  .finder{padding:16px}.finder .opts{grid-template-columns:1fr}.finder .opt{font-size:13.5px}
  .calc{padding:16px}.out .big b{font-size:1.3rem}
  .cta{padding:20px 0}.cta h2{font-size:1.15rem}
  .cta .btn{width:100%;text-align:center}
  .footer{font-size:13.5px;padding-top:26px}
  .footer .cols{gap:20px}
  .legal{font-size:12px}
  table.t{font-size:13.5px}table.t th,table.t td{padding:8px}
  input,select,textarea{font-size:16px} /* prevents iOS zoom on focus */
  label{font-size:13px}
  .chips{gap:6px}.chip{font-size:12.5px;padding:6px 12px}
  .btnlist a{font-size:13px;padding:7px 12px}
  .totop{right:12px;bottom:12px;width:38px;height:38px}
}
@media (max-width:420px){
  .footer .cols{grid-template-columns:1fr}
  .hero h1{font-size:1.45rem}
}
@media (prefers-reduced-motion:reduce){.js .rv{opacity:1;transform:none;transition:none}.ph img,.svc,.btn{transition:none}.panel,.finder .res{animation:none}}

@media (max-width:700px){.logo img{height:34px}}

/* tighter leading everywhere */
.lead,.pagehead p,.hero p.lead{line-height:1.35}
.svc p,.post-card p,.facts div,.list li,.steps p,.panel p,.out,.calc,.finder,.footer,.side li a,.toc a,details p{line-height:1.35}
.list li{padding-top:6px;padding-bottom:6px}
.list li:before{top:13px}
.list.plain li{padding-top:4px;padding-bottom:4px}
.list.plain li:before{top:11px}

/* prevent grid blow-out from wide children (tab strip, tables, long words) */
.hero .wrap>*,.two>*,.three>*,.four>*,.tabs>*,.blog>*,.calcs>*,.footer .cols>*{min-width:0}
h1,h2,h3,p,li,a{overflow-wrap:anywhere}
@media (max-width:900px){
  .hero .wrap,.two,.three,.four,.tabs,.blog,.calcs{grid-template-columns:minmax(0,1fr)}
}
@media (max-width:1000px) and (min-width:901px){.calcs{grid-template-columns:repeat(2,minmax(0,1fr))}}

/* two-column inner pages: long content left, sticky image column right */
.two.main-side{grid-template-columns:minmax(0,1.75fr) minmax(0,1fr);gap:40px;align-items:start}
.main h2.gap{margin-top:30px}
.main p{max-width:680px}
.duo{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px 28px}
.duo p{font-size:14.5px;color:var(--muted);margin:0}
.stick{position:sticky;top:88px;align-self:start}
.stick .ph+.ph{margin-top:14px}
.stick .sidehead{margin:18px 0 8px;font-size:13px;text-transform:uppercase;letter-spacing:.07em;color:var(--muted)}
@media (max-width:900px){
  .two.main-side{grid-template-columns:minmax(0,1fr);gap:24px}
  .stick{position:static}
  .duo{grid-template-columns:minmax(0,1fr)}
  .main h2.gap{margin-top:22px}
}

/* dark services grid */
.services-dark{background:linear-gradient(180deg,#0f1e30 0,#14273f 100%)}
.services-dark .sec-h p{color:#9fb0c6}
.services-dark .svc{background:#1a3050;border:0;box-shadow:none}
.services-dark .svc:hover{background:#203a5f;box-shadow:0 14px 30px -14px rgba(0,0,0,.7)}
.services-dark .svc .ph{background:#0f1e30}
.services-dark .svc h3,.services-dark .svc h3 a{color:#fff;font-size:1.12rem}
.services-dark .svc p{color:#b4c2d5}
.services-dark .more{background:var(--accent);color:#fff}
.services-dark .more:hover{background:#a47228}

/* category chips only on small screens; desktop uses the sidebar */
@media (min-width:901px){.chips{display:none}}

/* centred hero on mobile */
@media (max-width:900px){
  .hero .wrap>div:first-child{text-align:center}
  .hero p.lead{margin-left:auto;margin-right:auto}
  .hero .btns{justify-content:center}
}