*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font-body);color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
img,svg{max-width:100%;display:block}
a{color:var(--link)}
h1,h2,h3{font-family:var(--font-head);line-height:1.15;color:var(--ink-strong);margin:0 0 .5em;letter-spacing:var(--head-track,-.01em)}
h1{font-size:clamp(2rem,4.6vw,3.3rem)}
h2{font-size:clamp(1.55rem,3vw,2.2rem)}
h3{font-size:1.15rem}
p{margin:0 0 1em}
.wrap{max-width:1140px;margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}
.topbar{background:var(--topbar-bg);color:var(--topbar-ink);font-size:.86rem}
.topbar .wrap{display:flex;gap:18px;justify-content:flex-end;align-items:center;padding-top:7px;padding-bottom:7px;flex-wrap:wrap}
.topbar a{color:inherit;text-decoration:none;font-weight:600}
.topbar .lbl{opacity:.8;margin-right:auto}
header.site{background:var(--header-bg);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:70px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink-strong)}
.logo svg{width:38px;height:38px}
.logo .wm{font-family:var(--font-logo);font-size:1.45rem;font-weight:700;letter-spacing:-.02em}
.logo .wm b{color:var(--accent-ink);font-weight:inherit}
nav#site-nav{display:flex;gap:26px;align-items:center}
nav#site-nav a{text-decoration:none;color:var(--ink);font-weight:500;font-size:.97rem}
nav#site-nav a.btn{color:var(--btn-ink)}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 10px;font-size:1rem;color:var(--ink)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 24px;border-radius:var(--radius-btn);font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:1rem;font-family:inherit;transition:transform .15s,background .15s}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--accent);color:var(--btn-ink)}
.btn-primary:hover{background:var(--accent-hover)}
.btn-ghost{background:transparent;border-color:currentColor;color:var(--ink-strong)}
.btn-wa{background:#1fa855;color:#fff}
.btn-small{padding:9px 16px;font-size:.92rem}
.hero{background:var(--hero-bg);color:var(--hero-ink);padding:84px 0 92px;position:relative;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.hero h1{color:var(--hero-head)}
.hero .eyebrow{display:inline-block;font-size:.82rem;font-weight:700;text-transform:uppercase;letter-spacing:.12em;color:var(--eyebrow);margin-bottom:16px}
.hero .sub{font-size:1.18rem;max-width:36em;opacity:.95}
.hero .ctas{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0 22px}
.hero .ticks{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:8px 22px;font-size:.95rem;opacity:.95}
.hero .ticks li::before{content:"✓";margin-right:7px;color:var(--eyebrow);font-weight:700}
.hero-card{background:var(--card-bg);color:var(--ink);border-radius:var(--radius);padding:28px;box-shadow:0 24px 60px rgba(0,0,0,.18)}
.hero-card h2{font-size:1.25rem}
.hero-card .stat{display:flex;gap:14px;align-items:flex-start;padding:12px 0;border-top:1px solid var(--line)}
.hero-card .stat:first-of-type{border-top:0}
.hero-card .stat i{flex:0 0 38px;height:38px;border-radius:10px;background:var(--soft);display:grid;place-items:center;font-style:normal;font-size:1.1rem}
.hero-card .stat b{display:block;color:var(--ink-strong)}
.hero-card .stat span{font-size:.92rem;color:var(--muted)}
section{padding:84px 0}
.section-head{max-width:720px;margin:0 0 42px}
.section-head p{color:var(--muted);font-size:1.08rem}
.kicker{font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--accent-ink);margin-bottom:10px;display:block}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;counter-reset:s}
.step{background:var(--card-bg);border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.step::before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:var(--accent);color:var(--btn-ink);font-weight:800;margin-bottom:16px}
.step p{color:var(--muted);margin:0}
.alt{background:var(--alt-bg)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.quiz{background:var(--card-bg);border-radius:var(--radius);padding:30px;border:1px solid var(--line);box-shadow:0 10px 30px rgba(0,0,0,.06)}
.quiz-progress{height:6px;background:var(--soft);border-radius:6px;margin-bottom:22px;overflow:hidden}
.quiz-progress span{display:block;height:100%;width:0;background:var(--accent);transition:width .3s}
.quiz-step h3{margin-bottom:16px}
.quiz-step .opts{display:grid;gap:10px}
.quiz-step button{text-align:left;background:var(--bg);border:1.5px solid var(--line);border-radius:12px;padding:14px 16px;font-size:1rem;cursor:pointer;font-family:inherit;color:var(--ink)}
.quiz-step button:hover,.quiz-step button:focus{border-color:var(--accent);background:var(--soft)}
.quiz-step .muted{color:var(--muted);font-size:.95rem}
.checklist{list-style:none;padding:0;margin:0}
.checklist li{padding:14px 0 14px 40px;position:relative;border-bottom:1px solid var(--line)}
.checklist li::before{content:"✓";position:absolute;left:0;top:13px;width:26px;height:26px;border-radius:50%;background:var(--soft);color:var(--accent-ink);display:grid;place-items:center;font-weight:800;font-size:.85rem}
.checklist b{color:var(--ink-strong)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:var(--card-bg);border-radius:var(--radius);padding:26px;border:1px solid var(--line)}
.card .ic{width:46px;height:46px;border-radius:12px;background:var(--soft);display:grid;place-items:center;font-size:1.35rem;margin-bottom:14px}
.card p{color:var(--muted);margin:0;font-size:.97rem}
.disclose{background:var(--soft);border-left:4px solid var(--accent);padding:16px 20px;border-radius:8px;font-size:.96rem;margin-top:28px}
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:start}
.contact-list{list-style:none;padding:0;margin:22px 0}
.contact-list li{margin-bottom:12px}
.contact-list a{font-weight:700;color:var(--ink-strong);text-decoration:none}
form.enquiry{background:var(--card-bg);border-radius:var(--radius);padding:30px;border:1px solid var(--line);box-shadow:0 10px 30px rgba(0,0,0,.06)}
.field{margin-bottom:16px}
.field label{display:block;font-weight:600;margin-bottom:6px;font-size:.95rem;color:var(--ink-strong)}
.field input,.field textarea{width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:10px;font-size:1rem;font-family:inherit;background:#fff;color:var(--ink)}
.field input:focus,.field textarea:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px var(--soft)}
.field .hint{font-size:.85rem;color:var(--muted)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.consent{display:flex;gap:12px;align-items:flex-start;background:var(--soft);padding:14px;border-radius:10px;margin:6px 0 18px;font-size:.92rem;border:1.5px solid transparent}
.consent input{margin-top:4px;width:20px;height:20px;flex:0 0 20px;accent-color:var(--accent-ink)}
.invalid,.field input.invalid{border-color:#c62828!important}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-status{margin-top:14px;font-weight:600;min-height:1.2em}
.form-status.ok{color:#1b7a3a}.form-status.err{color:#c62828}
form.done .field,form.done .consent,form.done .row2,form.done button{display:none}
.small{font-size:.85rem;color:var(--muted)}
footer.site{background:var(--footer-bg);color:var(--footer-ink);padding:56px 0 34px;font-size:.94rem}
footer.site a{color:inherit}
footer.site .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:36px;margin-bottom:30px}
footer.site h3{color:var(--footer-head);font-size:1rem;margin-bottom:12px}
footer.site .operated{border-top:1px solid rgba(255,255,255,.18);padding-top:20px;font-size:.88rem;opacity:.92}
footer.site ul{list-style:none;padding:0;margin:0}footer.site li{margin-bottom:8px}
.wa-float{position:fixed;right:18px;bottom:18px;z-index:30;background:#1fa855;color:#fff;border-radius:50px;padding:12px 18px;font-weight:700;text-decoration:none;box-shadow:0 8px 24px rgba(0,0,0,.25);display:flex;gap:8px;align-items:center}
#cookie-banner{position:fixed;left:16px;right:16px;bottom:16px;max-width:720px;margin:0 auto;z-index:40;background:var(--card-bg);color:var(--ink);border-radius:14px;box-shadow:0 18px 50px rgba(0,0,0,.25);padding:20px 22px;border:1px solid var(--line)}
#cookie-banner p{margin:0 0 12px;font-size:.93rem}
#cookie-banner .b{display:flex;gap:10px;flex-wrap:wrap}
.legal{max-width:780px}.legal h2{margin-top:1.6em;font-size:1.4rem}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
@media (max-width:900px){
  .hero{padding:56px 0 64px}.hero .wrap,.split,.contact-grid{grid-template-columns:1fr;gap:36px}
  .steps,.cards{grid-template-columns:1fr}footer.site .cols{grid-template-columns:1fr}
  .nav-toggle{display:block}
  nav#site-nav{display:none;position:absolute;top:70px;left:0;right:0;background:var(--header-bg);flex-direction:column;padding:18px 22px;gap:16px;border-bottom:1px solid var(--line);align-items:flex-start}
  nav#site-nav.open{display:flex}
  section{padding:60px 0}.row2{grid-template-columns:1fr}
  .topbar .lbl{display:none}
  .wa-float span{display:none}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
/* ---- logo / footer ---- */
.logo img{height:44px;width:auto}
.footer-logo{height:40px;width:auto;margin-bottom:14px}
/* ---- guides ---- */
.guide-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.guide-card{display:flex;flex-direction:column;background:var(--card-bg);border:1px solid var(--line);border-radius:var(--radius);padding:26px;text-decoration:none;color:var(--ink);transition:transform .15s,box-shadow .15s;border-top:4px solid var(--accent)}
.guide-card:hover{transform:translateY(-2px);box-shadow:0 12px 30px rgba(0,0,0,.08)}
.guide-card h3{font-size:1.15rem}
.guide-card p{color:var(--muted);font-size:.96rem;flex:1}
.guide-card .more{font-weight:700;color:var(--accent-ink)}
.article-hero{background:var(--alt-bg);padding:44px 0 34px;border-bottom:1px solid var(--line)}
.article-hero h1{font-size:clamp(1.9rem,4vw,2.8rem);max-width:22em}
.crumbs{font-size:.88rem;color:var(--muted);margin-bottom:14px}.crumbs a{color:var(--muted)}
.meta{color:var(--muted);font-size:.92rem;margin:0}
.wrap.narrow{max-width:820px}
.prose{padding-top:40px;padding-bottom:60px}
.prose h2{margin-top:1.8em;font-size:clamp(1.4rem,2.6vw,1.8rem)}
.prose h3{margin-top:1.5em;font-size:1.2rem}
.prose ul,.prose ol{padding-left:1.3em;margin:0 0 1.1em}.prose li{margin-bottom:.45em}
.prose blockquote{margin:0 0 1.4em;padding:16px 20px;background:var(--soft);border-left:4px solid var(--accent);border-radius:8px;font-size:.97rem}
.prose blockquote p:last-child{margin:0}
.prose hr{border:0;border-top:1px solid var(--line);margin:2.4em 0}
.table-wrap{overflow-x:auto;margin:0 0 1.4em;border:1px solid var(--line);border-radius:10px;background:var(--card-bg)}
.prose table{border-collapse:collapse;width:100%;font-size:.93rem;min-width:560px}
.prose th,.prose td{padding:10px 12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.prose thead th{background:var(--soft);color:var(--ink-strong)}
.prose tr:last-child td{border-bottom:0}
.article-cta{background:var(--cta-bg,var(--ink-strong));color:var(--cta-ink,#fff);border-radius:var(--radius);padding:30px;margin:2.2em 0}
.article-cta h2{color:inherit;margin-top:0!important}
.article-cta .ctas{display:flex;gap:12px;flex-wrap:wrap;margin:18px 0 12px}
.article-cta .btn-ghost{color:inherit;border-color:currentColor}
.article-cta .small{color:inherit;opacity:.85}.article-cta a:not(.btn){color:inherit}
.related{padding:56px 0}
@media (max-width:900px){.guide-cards{grid-template-columns:1fr}.prose{padding-top:28px}}