:root {
  --blue:#1E5FAD; --navy:#052057; --ink:#1A1C24; --secondary:#606266;
  --accent:#FF7832; --blue-bright:#2C63DB; --blue-step:#1D4680;
  --surface:#fff; --alt:#F5F7FA; --border:#DCDFE6; --wa:#25D366;
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:Inter,system-ui,sans-serif;background:var(--surface);color:var(--ink);line-height:1.55}
a{color:inherit;text-decoration:none} img{max-width:100%;display:block}
.skip{position:absolute;left:-9999px}.skip:focus{left:8px;top:8px;z-index:9999;background:#000;color:#fff;padding:8px}
.review-banner{background:var(--navy);color:#FFB088;text-align:center;font-size:.72rem;font-weight:600;letter-spacing:.06em;padding:8px 12px;position:sticky;top:0;z-index:200}
.wrap{width:min(1120px,92%);margin:0 auto}
.site-header{background:var(--navy);color:#fff}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 0;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:12px}
.brand img{height:28px;width:auto}
.nav{display:flex;gap:16px;font-size:.82rem;opacity:.9;flex-wrap:wrap}
.nav a:hover{opacity:1;color:var(--accent)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 22px;border-radius:4px;font-size:.88rem;font-weight:700;border:2px solid transparent;cursor:pointer}
.btn-primary{background:var(--blue);color:#fff}.btn-primary:hover{background:var(--blue-bright)}
.btn-accent{background:var(--accent);color:#fff}.btn-accent:hover{filter:brightness(1.05)}
.btn-wa{background:var(--wa);color:#fff}
.btn-outline{background:transparent;border-color:#fff;color:#fff}
.btn-outline-dark{background:transparent;border-color:var(--navy);color:var(--navy)}
.btn-sm{padding:8px 14px;font-size:.8rem}.btn-lg{padding:16px 28px;font-size:1rem}
.hero{background:linear-gradient(135deg,var(--navy),var(--blue-step));color:#fff;padding:56px 0 48px}
.eyebrow{font-size:.72rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--accent);margin-bottom:12px}
.hero h1{font-size:clamp(1.9rem,4.2vw,3rem);line-height:1.15;margin-bottom:14px;max-width:18ch}
.hero-lede{max-width:58ch;color:rgba(255,255,255,.85);margin-bottom:24px}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:16px}
.canonical{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);border-radius:6px;padding:12px 16px;font-size:.85rem;max-width:640px}
.canonical code{background:rgba(0,0,0,.25);padding:2px 6px;border-radius:3px;font-size:.8rem}
.section{padding:56px 0}
.section-alt{background:var(--alt)}
.section-head{margin-bottom:28px}
.section-head h2{font-size:clamp(1.5rem,3vw,2.1rem);color:var(--navy);margin-bottom:8px}
.lede{color:var(--secondary);max-width:62ch}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:14px}
.step{background:#fff;border:1px solid var(--border);border-radius:8px;padding:22px}
.step-num{width:36px;height:36px;border-radius:50%;background:var(--blue);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;margin-bottom:12px}
.step h3{font-size:1.1rem;margin-bottom:6px;color:var(--navy)}
.step p{font-size:.92rem;color:var(--secondary)}
.criteria{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px}
.crit{background:#fff;border:1px solid var(--border);border-radius:8px;padding:18px}
.crit h3{font-size:1rem;color:var(--navy);margin-bottom:6px}
.crit p{font-size:.9rem;color:var(--secondary)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:20px}
@media(max-width:720px){.split{grid-template-columns:1fr}}
.card{border:1px solid var(--border);border-radius:8px;padding:22px;background:#fff}
.card h3{color:var(--navy);margin-bottom:8px}
.card p{color:var(--secondary);font-size:.92rem;margin-bottom:12px}
.card.muted{background:var(--alt)}
.card .tag{font-size:.68rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--accent);margin-bottom:8px}
.sticky-bar{position:fixed;bottom:0;left:0;right:0;background:#fff;border-top:1px solid var(--border);padding:10px 16px;display:flex;gap:10px;justify-content:center;z-index:150;box-shadow:0 -8px 24px rgba(5,32,87,.1)}
.site-footer{background:var(--navy);color:rgba(255,255,255,.75);padding:40px 0 80px;font-size:.9rem}
.site-footer a{color:#9EC1FF}
.note{font-size:.8rem;color:var(--secondary);margin-top:10px}