:root{--navy:#12324a;--blue:#087e9b;--sky:#eaf6f8;--ink:#20313d;--muted:#5c6d78;--white:#fff;--line:#dce7eb;--accent:#f4b942}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.65;background:#fff}
a{color:var(--blue)}.wrap{width:min(1100px,92%);margin:auto}.top{background:var(--navy);color:#fff;font-size:.92rem;padding:8px 0}.top .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:16px 0}.brand{font-weight:800;color:var(--navy);text-decoration:none;font-size:1.12rem;line-height:1.2}.brand small{display:block;color:var(--muted);font-weight:500;font-size:.76rem;margin-top:4px}
nav{display:flex;gap:18px;flex-wrap:wrap}nav a{text-decoration:none;color:var(--navy);font-weight:700;font-size:.93rem}
.btn{display:inline-block;background:var(--blue);color:#fff!important;padding:13px 20px;border-radius:7px;text-decoration:none;font-weight:700}.btn.secondary{background:#fff;color:var(--navy)!important;border:1px solid var(--line)}
.hero{background:linear-gradient(120deg,#eaf6f8,#f7fbfc);padding:76px 0 68px}.hero-grid{display:grid;grid-template-columns:1.3fr .7fr;gap:40px;align-items:center}.eyebrow{color:var(--blue);font-weight:800;text-transform:uppercase;letter-spacing:.09em;font-size:.8rem}h1{font-size:clamp(2.2rem,5vw,3.7rem);line-height:1.08;color:var(--navy);margin:12px 0 18px}h2{font-size:clamp(1.55rem,3vw,2.2rem);line-height:1.2;color:var(--navy);margin:0 0 16px}h3{color:var(--navy);margin-bottom:8px}.lead{font-size:1.16rem;color:#3e5664;max-width:680px}.hero-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px;box-shadow:0 12px 35px #12324a12}.icon{width:54px;height:54px;border-radius:14px;background:var(--sky);display:grid;place-items:center;font-size:1.7rem;margin-bottom:12px}
section{padding:64px 0}.soft{background:#f7fafb}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{border:1px solid var(--line);border-radius:12px;padding:23px;background:#fff}.card p{margin-bottom:0}.split{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:start}.check{padding-left:20px}.check li{margin:8px 0}.callout{background:var(--navy);color:#fff;padding:34px;border-radius:14px}.callout h2{color:#fff}.callout a:not(.btn){color:#fff}.small{font-size:.92rem;color:var(--muted)}footer{background:#102a3c;color:#eaf3f6;padding:32px 0}footer a{color:#fff}.footergrid{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}.crumb{font-size:.9rem;color:var(--muted);padding:18px 0}.pagehero{background:var(--sky);padding:46px 0}.pagehero h1{font-size:clamp(2rem,4vw,3rem)}.notice{border-left:4px solid var(--accent);padding:12px 16px;background:#fff8e8;margin:22px 0}.faq details{padding:16px 0;border-bottom:1px solid var(--line)}.faq summary{font-weight:700;color:var(--navy);cursor:pointer}
@media(max-width:760px){.hero-grid,.split,.grid3{grid-template-columns:1fr}.nav{align-items:flex-start;flex-direction:column}nav{gap:12px}.hero{padding:52px 0}.top .wrap{display:block}.top span{display:block}}