/* Accredo — single stylesheet, no frameworks */
:root{--ink:#12263a;--ink-2:#1d3a55;--paper:#f7f5f0;--white:#fff;--brass:#a87b2d;--brass-2:#8a651f;--green:#2e5e4e;--mut:#4a6178;--line:#d8d2c4;--max:1160px}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation:none!important;transition:none!important}}
body{font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--paper);line-height:1.65;font-size:1.0625rem}
h1,h2,h3,h4,.serif{font-family:Charter,"Bitstream Charter",Cambria,Georgia,"Times New Roman",serif;line-height:1.22;font-weight:700;color:var(--ink)}
h1{font-size:clamp(1.9rem,4.2vw,2.9rem);letter-spacing:-.01em}
h2{font-size:clamp(1.45rem,2.8vw,1.9rem);margin:2.4rem 0 .8rem}
h3{font-size:1.22rem;margin:1.6rem 0 .5rem}
p{margin:0 0 1rem}
a{color:var(--ink-2);text-decoration-thickness:1px;text-underline-offset:2px}
a:hover{color:var(--brass-2)}
img{max-width:100%;height:auto;display:block}
ul,ol{margin:0 0 1rem 1.3rem}
li{margin-bottom:.4rem}
.wrap{max-width:var(--max);margin:0 auto;padding:0 1.25rem}
:focus-visible{outline:2px solid var(--brass);outline-offset:2px}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:.5rem 1rem;z-index:100}
.skip:focus{left:0}
/* top bar */
.topbar{background:var(--ink);color:#cfd9e4;font-size:.82rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:1rem;padding-top:.4rem;padding-bottom:.4rem;flex-wrap:wrap}
.topbar a{color:#e8eef4;text-decoration:none}
.topbar a:hover{color:var(--brass);text-decoration:underline}
/* header */
.hd{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.hd .wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding-top:.65rem;padding-bottom:.65rem}
.brand{display:flex;align-items:center;gap:.7rem;text-decoration:none}
.seal{width:44px;height:44px;flex:none}
.brand-name{font-family:Charter,Cambria,Georgia,serif;font-weight:700;font-size:1.06rem;line-height:1.15;color:var(--ink)}
.brand-name small{display:block;font-family:system-ui,sans-serif;font-weight:400;font-size:.68rem;color:var(--mut);letter-spacing:.08em;text-transform:uppercase}
nav.main{display:flex;align-items:center;gap:.1rem}
nav.main>ul{display:flex;list-style:none;margin:0;gap:.1rem}
nav.main li{position:relative;margin:0}
nav.main a,nav.main button.nvb{display:block;padding:.7rem .78rem;color:var(--ink);text-decoration:none;font-size:.93rem;background:none;border:0;font-family:inherit;cursor:pointer}
nav.main>ul>li>a:hover,nav.main button.nvb:hover{color:var(--brass-2)}
.sub{position:absolute;left:0;top:100%;background:var(--white);border:1px solid var(--line);border-top:3px solid var(--brass);min-width:250px;list-style:none;margin:0;padding:.4rem 0;display:none;box-shadow:0 10px 24px rgba(18,38,58,.12)}
li:hover>.sub,li:focus-within>.sub{display:block}
.sub a{padding:.5rem .95rem;font-size:.89rem}
.sub a:hover{background:var(--paper)}
.cta{background:var(--brass);color:#fff!important;border-radius:3px;margin-left:.5rem;font-weight:600}
.cta:hover{background:var(--brass-2)}
.nav-tgl{display:none;background:none;border:1px solid var(--line);border-radius:4px;padding:.45rem .6rem;font-size:1.05rem;cursor:pointer;color:var(--ink)}
/* hero */
.hero{background:linear-gradient(160deg,var(--ink) 0%,var(--ink-2) 100%);color:#e9eef4;padding:3.2rem 0 3rem;border-bottom:4px solid var(--brass)}
.hero h1{color:#fff;max-width:17em}
.hero p.lead{font-size:1.16rem;max-width:44em;color:#c9d6e2;margin-top:.9rem}
.hero .kicker,.kicker{font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;color:var(--brass);font-weight:600;margin-bottom:.6rem;display:block}
.hero .btns{margin-top:1.6rem;display:flex;gap:.8rem;flex-wrap:wrap}
.btn{display:inline-block;padding:.72rem 1.35rem;border-radius:3px;text-decoration:none;font-weight:600;font-size:.97rem}
.btn-gold{background:var(--brass);color:#fff}
.btn-gold:hover{background:var(--brass-2);color:#fff}
.btn-ghost{border:1px solid #5c748c;color:#e9eef4}
.btn-ghost:hover{border-color:var(--brass);color:var(--brass)}
.btn-ink{background:var(--ink);color:#fff}
.btn-ink:hover{background:var(--ink-2);color:#fff}
/* certificate rule — the signature */
.cert{border:1px solid var(--brass);outline:1px solid var(--brass);outline-offset:3px;background:var(--white);padding:1.5rem 1.6rem;margin:1.8rem 0}
.answer{background:var(--white);border-left:4px solid var(--brass);padding:1.1rem 1.3rem;margin:1.1rem 0 1.6rem;font-size:1.08rem}
.answer p:last-child{margin:0}
/* fact strip */
.facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:1px;background:var(--line);border:1px solid var(--line);margin:2rem 0}
.facts div{background:var(--white);padding:1.05rem 1.1rem}
.facts b{display:block;font-family:Charter,Cambria,Georgia,serif;font-size:1.35rem;color:var(--ink)}
.facts span{font-size:.85rem;color:var(--mut)}
/* layout */
main{padding:2.4rem 0 3.2rem}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:2.2rem;align-items:start}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.3rem}
.card{background:var(--white);border:1px solid var(--line);border-top:3px solid var(--ink);padding:1.35rem 1.4rem}
.card h3{margin-top:0}
.card .kicker{color:var(--brass-2)}
.card a.more{font-weight:600;font-size:.92rem;text-decoration:none}
.tick{list-style:none;margin-left:0}
.tick li{padding-left:1.5rem;position:relative}
.tick li::before{content:"✓";position:absolute;left:0;color:var(--green);font-weight:700}
/* faq */
.faq details{background:var(--white);border:1px solid var(--line);margin-bottom:.6rem}
.faq summary{cursor:pointer;padding:.9rem 1.1rem;font-weight:600;font-family:Charter,Cambria,Georgia,serif;font-size:1.05rem;list-style:none;position:relative;padding-right:2.4rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:1.1rem;top:.75rem;font-size:1.3rem;color:var(--brass)}
.faq details[open] summary::after{content:"–"}
.faq .fa{padding:0 1.1rem 1rem}
/* steps */
.steps{list-style:none;margin-left:0;counter-reset:st}
.steps li{counter-increment:st;padding:1rem 1.1rem 1rem 3.4rem;position:relative;background:var(--white);border:1px solid var(--line);margin-bottom:.6rem}
.steps li::before{content:counter(st,decimal-leading-zero);position:absolute;left:1rem;top:1rem;font-family:Charter,Cambria,Georgia,serif;font-weight:700;color:var(--brass);font-size:1.05rem}
.steps b{display:block;font-family:Charter,Cambria,Georgia,serif;font-size:1.05rem}
/* tables */
table{width:100%;border-collapse:collapse;margin:1.3rem 0;background:var(--white);font-size:.95rem}
th,td{border:1px solid var(--line);padding:.65rem .8rem;text-align:left;vertical-align:top}
th{background:var(--ink);color:#fff;font-family:Charter,Cambria,Georgia,serif}
/* takeaways */
.keytk{background:var(--white);border:1px solid var(--line);border-left:4px solid var(--green);padding:1.1rem 1.3rem;margin:1.8rem 0}
.keytk h2,.keytk h3{margin-top:0;font-size:1.1rem}
.keytk ul{margin-bottom:0}
/* breadcrumb */
.bc{font-size:.83rem;color:var(--mut);margin-bottom:1.2rem}
.bc a{color:var(--mut)}
.bc span{color:var(--ink)}
/* section band */
.band{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:2.6rem 0;margin:2.6rem 0}
.band-ink{background:var(--ink);color:#dbe4ec;padding:2.6rem 0;margin:2.6rem 0;border-top:4px solid var(--brass)}
.band-ink h2{color:#fff;margin-top:0}
.band-ink a{color:var(--brass)}
/* footer */
footer{background:var(--ink);color:#b9c6d3;font-size:.9rem;margin-top:3rem;border-top:4px solid var(--brass)}
footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:2rem;padding:2.6rem 0 2rem}
footer h3{color:#fff;font-size:.95rem;margin:0 0 .8rem;letter-spacing:.05em}
footer ul{list-style:none;margin:0}
footer li{margin-bottom:.45rem}
footer a{color:#cfd9e4;text-decoration:none}
footer a:hover{color:var(--brass);text-decoration:underline}
.legal{border-top:1px solid #2a4159;padding:1rem 0;font-size:.82rem;display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap}
address{font-style:normal;line-height:1.7}
/* forms */
form.std{max-width:640px}
label{display:block;font-weight:600;margin:.9rem 0 .3rem;font-size:.93rem}
input,select,textarea{width:100%;padding:.65rem .75rem;border:1px solid var(--line);border-radius:3px;font:inherit;background:#fff}
input:focus,select:focus,textarea:focus{border-color:var(--brass);outline:none}
button[type=submit]{margin-top:1.2rem}
.note{font-size:.85rem;color:var(--mut)}
/* responsive */
@media(max-width:960px){
 .grid-2,.grid-3{grid-template-columns:1fr}
 footer .cols{grid-template-columns:1fr 1fr}
 .nav-tgl{display:block}
 nav.main{display:none;position:absolute;left:0;right:0;top:100%;background:var(--white);border-bottom:1px solid var(--line);padding:.6rem 1.25rem 1rem;max-height:78vh;overflow:auto}
 nav.main.open{display:block}
 nav.main>ul{display:block}
 .sub{position:static;display:block;border:0;box-shadow:none;padding-left:1rem}
 .cta{display:inline-block;margin:.6rem 0 0}
}
@media(max-width:560px){footer .cols{grid-template-columns:1fr}}
@media print{.topbar,.hd,footer,.btns,.nav-tgl{display:none}body{background:#fff}}