:root{--navy:#13224A;--paper:#F6F7FB;--turmeric:#F2B51D;--mist:#E3E8F7;--muted:#4A5578;--line:#D5DBEE}
*{box-sizing:border-box}
body{margin:0;background:var(--paper);color:var(--navy);font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif}
h1,h2,h3{font-family:"Bricolage Grotesque",system-ui,sans-serif;line-height:1.1;margin:0}
a{color:inherit}
.wrap{max-width:1040px;margin:0 auto;padding:0 24px}
.top{display:flex;justify-content:space-between;align-items:center;padding:22px 0}
.brand{font-family:"Bricolage Grotesque",system-ui,sans-serif;font-weight:700;font-size:1.25rem;text-decoration:none}
.top a.link{font-size:.95rem;color:var(--muted)}
.hero{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;padding:56px 0 72px}
h1{font-size:clamp(2.2rem,5vw,3.6rem);letter-spacing:-.02em}
.lead{color:var(--muted);max-width:34rem;margin:20px 0 28px}
.btn{display:inline-block;background:var(--navy);color:var(--paper);padding:14px 22px;border-radius:10px;font-weight:600;text-decoration:none}
.btn:hover{text-decoration:underline}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin:0}
.btn.alt{background:transparent;color:var(--navy);border:2px solid var(--navy);padding:12px 20px}
.note{color:var(--muted);font-size:.92rem;margin:14px 0 0;max-width:34rem}
a:focus-visible,.btn:focus-visible{outline:3px solid var(--turmeric);outline-offset:3px}
.chat{background:#fff;border:1px solid var(--line);border-radius:18px;padding:20px}
.chat small{display:block;color:var(--muted);margin-bottom:12px}
.bubble{max-width:88%;padding:10px 14px;border-radius:14px;margin:0 0 10px;font-size:.97rem;line-height:1.45}
.me{background:var(--turmeric);margin-left:auto;border-bottom-right-radius:4px}
.bot{background:var(--mist);border-bottom-left-radius:4px}
.section{border-top:1px solid var(--line);padding:56px 0;display:grid;grid-template-columns:.8fr 1.2fr;gap:48px}
h2{font-size:clamp(1.6rem,3vw,2.1rem)}
dl{margin:0}
dt{font-weight:700}
dd{margin:2px 0 20px;color:var(--muted)}
ol{margin:0;padding-left:1.2rem}
li{margin-bottom:14px}
li span{color:var(--muted)}
ul.plain{margin:0;padding-left:1.2rem}
footer{border-top:1px solid var(--line);padding:32px 0 48px;color:var(--muted);font-size:.92rem}
footer p{margin:0 0 6px}
.ph{background:rgba(242,181,29,.35);padding:0 3px;border-radius:3px}
.doc{max-width:720px;padding:24px 0 64px}
.doc h1{font-size:clamp(2rem,4vw,2.8rem);margin-bottom:8px}
.doc h2{font-size:1.35rem;margin:32px 0 8px}
.doc p,.doc li{color:var(--navy)}
.doc .meta{color:var(--muted)}
@media (max-width:820px){.hero,.section{grid-template-columns:1fr;gap:28px}.hero{padding-top:24px}}
.chat-fab{position:fixed;right:20px;bottom:20px;z-index:50;display:inline-flex;align-items:center;gap:10px;background:var(--navy);color:var(--paper);border:0;border-radius:999px;padding:14px 20px;font:600 1rem/1 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;cursor:pointer;box-shadow:0 6px 20px rgba(19,34,74,.28)}
.chat-fab:hover{background:#1c3170}
.chat-fab:focus-visible,.chat-close:focus-visible{outline:3px solid var(--turmeric);outline-offset:3px}
.chat-panel{position:fixed;right:20px;bottom:84px;z-index:50;width:min(380px,calc(100vw - 32px));height:min(600px,calc(100vh - 110px));display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden;box-shadow:0 12px 40px rgba(19,34,74,.25)}
.chat-panel[hidden]{display:none}
.chat-panel-bar{display:flex;justify-content:space-between;align-items:center;background:var(--navy);color:var(--paper);padding:10px 14px;font-weight:600;font-size:.95rem}
.chat-close{background:transparent;color:inherit;border:0;font-size:1.6rem;line-height:1;cursor:pointer;padding:0 6px;border-radius:6px}
.chat-panel-body{position:relative;flex:1;background:var(--mist)}
.chat-panel-body iframe{position:absolute;inset:0;width:100%;height:100%;border:0;background:transparent}
.chat-loading{margin:0;padding:20px;color:var(--muted);font-size:.95rem}
@media (max-width:480px){.chat-fab span{display:none}.chat-fab{padding:16px}.chat-panel{right:16px;bottom:80px;width:calc(100vw - 32px)}}