:root{--n:#12304a;--n2:#1d4a6e;--sun:#f5b82e;--ink:#1a2230;--mut:#5a6577;--bg:#f5f7fa;--r:14px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;padding-bottom:0}
a{color:var(--n2)}.wrap{max-width:1160px;margin:0 auto;padding:0 22px}
header.nav{position:sticky;top:0;z-index:20;background:rgba(18,48,74,.97)}
header.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:66px}
.logo{display:flex;align-items:center;gap:9px;color:#fff;font-weight:800;font-size:1.15rem;text-decoration:none}.logo span{color:var(--sun)}
nav a{color:#e6edf5;text-decoration:none;margin-left:20px;font-size:.95rem}nav a:hover{color:var(--sun)}
.btn{display:inline-block;background:var(--sun);color:#1a2230;font-weight:700;padding:14px 26px;border-radius:999px;text-decoration:none;border:0;cursor:pointer;font-size:1rem}
.btn:hover{filter:brightness(1.06)}.btn.ghost{background:transparent;color:#fff;border:2px solid #fff}
nav .btn{padding:9px 18px;color:#1a2230}
.hero{position:relative;color:#fff;padding:110px 0 120px;background:radial-gradient(circle at 82% 22%,rgba(245,184,46,.55) 0,rgba(245,184,46,.15) 14%,transparent 30%),linear-gradient(160deg,#0d2438,#1d4a6e 70%,#2f7fc1)}
.hero:after{content:"";position:absolute;right:6%;bottom:0;width:min(46vw,520px);height:180px;background:repeating-linear-gradient(90deg,transparent 0 58px,rgba(255,255,255,.35) 58px 60px),repeating-linear-gradient(0deg,transparent 0 44px,rgba(255,255,255,.35) 44px 46px),linear-gradient(#2f7fc1,#1b5a8f);transform:perspective(500px) rotateX(38deg);transform-origin:bottom;border-radius:6px 6px 0 0;opacity:.85}
.hero .wrap{position:relative;z-index:1}
.hero h1{font-size:clamp(2.2rem,5vw,3.6rem);line-height:1.1;margin:0 0 18px;max-width:720px}
.hero p{font-size:1.18rem;max-width:600px;margin:0 0 30px;color:#e3ebf3}
.eyebrow{display:inline-block;background:rgba(245,184,46,.18);color:var(--sun);padding:6px 14px;border-radius:999px;font-weight:600;font-size:.85rem;margin-bottom:18px}
.cta{display:flex;gap:14px;flex-wrap:wrap}
section{padding:76px 0}.alt{background:#e9eef4}
h2{font-size:clamp(1.6rem,3.2vw,2.3rem);margin:0 0 12px;line-height:1.2}
.lead{color:var(--mut);max-width:720px;margin:0 0 36px;font-size:1.08rem}
.grid{display:grid;gap:22px}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border-radius:var(--r);box-shadow:0 6px 24px rgba(0,0,0,.06);text-decoration:none;color:inherit;border-top:4px solid var(--sun)}
.card .b{padding:22px}.card h3{margin:0 0 6px}.card p{margin:0;color:var(--mut)}
.dark{background:var(--n);color:#fff}.dark .lead{color:#c9d6e3}
.why .item{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:var(--r);padding:24px}
.why h3{margin:0 0 6px;color:var(--sun);font-size:1.1rem}.why p{margin:0;color:#d8e2ec}
.step{background:#fff;border-radius:var(--r);padding:24px;box-shadow:0 6px 24px rgba(0,0,0,.05)}
.step .n{min-width:44px;height:44px;padding:0 8px;border-radius:22px;background:var(--n);color:var(--sun);display:inline-grid;place-items:center;font-weight:800;margin-bottom:10px}
.step h3{margin:0 0 4px}.step p{margin:0;color:var(--mut)}
.areas{display:flex;flex-wrap:wrap;gap:10px}.areas a,.areas span{background:#fff;color:var(--n);padding:8px 16px;border-radius:999px;font-weight:600;text-decoration:none;box-shadow:0 2px 8px rgba(0,0,0,.05)}.areas a{background:var(--n);color:#fff}
.quote{display:grid;grid-template-columns:1fr 1.25fr;gap:40px;align-items:start}
.ticks{padding-left:1.2em}.ticks li{margin:.4em 0}
form{background:#fff;padding:28px;border-radius:var(--r);box-shadow:0 6px 24px rgba(0,0,0,.07)}
label{display:block;font-weight:600;font-size:.92rem;margin:0 0 6px}
input,select,textarea{width:100%;padding:12px 14px;border:1px solid #d3dae3;border-radius:10px;font:inherit;margin-bottom:16px;background:#fafbfd}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
label.check{display:flex;gap:10px;align-items:flex-start;font-weight:400;margin-bottom:18px}label.check input{width:auto;margin:5px 0 0}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.small{font-size:.85rem;color:var(--mut)}
.phead{background:linear-gradient(160deg,#0d2438,#1d4a6e);color:#fff;padding:60px 0}.phead h1{margin:0 0 10px;font-size:clamp(1.9rem,4vw,2.8rem);line-height:1.15}.phead p{margin:0;color:#d8e2ec;max-width:720px;font-size:1.1rem}
.article{max-width:820px}.article h2{margin-top:1.5em;font-size:1.6rem}.article li{margin:.4em 0}
table{width:100%;border-collapse:collapse;margin:1em 0;background:#fff}th,td{text-align:left;padding:.6em .8em;border-bottom:1px solid #e1e6ec}th{background:#eef2f7}
.cta-box{background:var(--n);color:#fff;border-radius:var(--r);padding:28px;margin:40px 0}.cta-box h2{margin:0 0 6px}.cta-box p{color:#d8e2ec}
.sources{background:#fff;border-left:4px solid var(--sun);padding:16px 20px;border-radius:8px;margin-top:30px;font-size:.92rem}.sources ul{margin:.5em 0;padding-left:1.2em}
.warn{background:#fff6df;border:1px solid var(--sun);padding:12px 16px;border-radius:10px}
mark.ph{background:#ffe08a;padding:2px 6px;border-radius:4px;font-weight:700}
details{background:#fff;border-radius:12px;padding:16px 20px;margin-bottom:12px;box-shadow:0 4px 16px rgba(0,0,0,.04)}summary{font-weight:700;cursor:pointer}details p{color:var(--mut);margin:10px 0 0}
footer{background:#0b1e2f;color:#b4c2d0;padding:46px 0 30px;font-size:.92rem;line-height:1.9}
footer .cols{display:flex;justify-content:space-between;gap:30px;flex-wrap:wrap}footer .cols>div{max-width:300px}footer a{color:#e6edf5}
footer .small{margin-top:24px;border-top:1px solid rgba(255,255,255,.1);padding-top:16px;color:#8fa1b3}
.mbar{display:none}
@media(max-width:900px){.g3,.g4{grid-template-columns:repeat(2,1fr)}.quote{grid-template-columns:1fr}nav a:not(.btn){display:none}.hero:after{opacity:.35}}
@media(max-width:600px){.g3,.g4,.row{grid-template-columns:1fr}section{padding:54px 0}.hero{padding:70px 0 140px}nav .btn{display:none}
 body{padding-bottom:70px}.mbar{display:block;position:fixed;left:0;right:0;bottom:0;z-index:30;padding:10px 14px calc(10px + env(safe-area-inset-bottom));background:var(--n);box-shadow:0 -4px 16px rgba(0,0,0,.2)}
 .mbar a{display:block;text-align:center;background:var(--sun);color:#1a2230;font-weight:800;padding:13px;border-radius:999px;text-decoration:none;font-size:1.05rem}}