:root{
  --bg:#f5f8fb;--surface:#fff;--ink:#142334;--muted:#617184;--navy:#123a59;
  --blue:#1f6f9f;--cyan:#eaf6fb;--line:#dce6ed;--green:#1f7a5a;--soft:#f0f5f8;
  --radius:18px;--shadow:0 14px 40px rgba(17,47,69,.08)
}
*{box-sizing:border-box} html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65}
a{color:inherit;text-decoration:none}.container{width:min(1120px,calc(100% - 36px));margin:auto}
.topbar{font-size:13px;background:#0f2f49;color:#dcebf5}.topbar .container{display:flex;justify-content:space-between;gap:20px;padding:9px 0}
header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.nav{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:28px}
.brand{display:flex;align-items:center;gap:11px;font-weight:800;color:var(--navy);letter-spacing:-.02em}
.logo{width:38px;height:38px;border-radius:12px;display:grid;place-items:center;background:var(--navy);color:#fff;font-weight:900}
.navlinks{display:flex;gap:22px;align-items:center;font-size:14px;color:#405365}.navlinks a:hover{color:var(--blue)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:11px;padding:13px 18px;font-weight:750;border:1px solid transparent}
.btn-primary{background:var(--navy);color:#fff}.btn-primary:hover{background:#0d304b}.btn-light{background:#fff;border-color:var(--line)}
.hero{padding:72px 0 52px;background:linear-gradient(180deg,#fff 0%,#f2f8fb 100%);border-bottom:1px solid var(--line)}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:55px;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:8px;color:var(--green);background:#eaf7f1;border:1px solid #cbeadd;padding:7px 11px;border-radius:999px;font-size:13px;font-weight:800}
h1{font-size:clamp(40px,5vw,64px);line-height:1.05;letter-spacing:-.045em;margin:18px 0 20px;color:#102c42}
h2{font-size:clamp(28px,3.2vw,42px);line-height:1.15;letter-spacing:-.03em;margin:0 0 15px;color:#13344e}
h3{line-height:1.25;color:#173c59}.lead{font-size:19px;color:#53677a;max-width:720px}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0 20px}.micro{font-size:13px;color:#738291}
.hero-card{background:var(--surface);border:1px solid var(--line);border-radius:24px;padding:28px;box-shadow:var(--shadow)}
.checklist{display:grid;gap:14px;margin-top:18px}.check{display:flex;gap:12px;padding:13px 0;border-bottom:1px solid #edf2f5}.check:last-child{border:0}
.check i{width:28px;height:28px;flex:0 0 28px;border-radius:50%;display:grid;place-items:center;background:#e8f5ef;color:var(--green);font-style:normal;font-weight:900}
.alert{background:#fff8e8;border:1px solid #f1dfae;border-radius:14px;padding:15px 16px;color:#695b32;font-size:14px;margin-top:18px}
section{padding:70px 0}.section-head{max-width:760px;margin-bottom:32px}.kicker{font-size:13px;text-transform:uppercase;letter-spacing:.12em;font-weight:850;color:var(--blue)}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 5px 20px rgba(24,54,78,.035)}
.icon{width:44px;height:44px;border-radius:12px;background:var(--cyan);display:grid;place-items:center;font-size:21px;margin-bottom:14px}
.card p{color:var(--muted);margin-bottom:0}.soft{background:#edf5f8;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.steps{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.step{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px}.step:before{counter-increment:step;content:counter(step);display:grid;place-items:center;width:34px;height:34px;border-radius:10px;background:var(--navy);color:#fff;font-weight:900;margin-bottom:14px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:30px;align-items:start}.notice{background:#102f47;color:#eaf3f8;border-radius:22px;padding:30px}.notice h2,.notice h3{color:#fff}.notice p{color:#c4d5df}
.list{padding:0;margin:18px 0;list-style:none}.list li{padding:9px 0 9px 28px;position:relative;color:#526679}.list li:before{content:"✓";position:absolute;left:0;color:var(--green);font-weight:900}
.faq{display:grid;gap:10px}.faq details{background:#fff;border:1px solid var(--line);border-radius:13px;padding:0 18px}.faq summary{cursor:pointer;font-weight:780;padding:17px 0}.faq details p{color:var(--muted);margin-top:0;padding-bottom:16px}
.form-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px;box-shadow:var(--shadow)}
form{display:grid;grid-template-columns:1fr 1fr;gap:16px}.full{grid-column:1/-1}
label{display:grid;gap:6px;font-size:13px;font-weight:750;color:#3e5264}
input,select,textarea{width:100%;padding:13px 14px;border:1px solid #cbd8e1;border-radius:10px;background:#fff;color:#22394b;font:inherit;outline:none}input:focus,select:focus,textarea:focus{border-color:#6aa6c8;box-shadow:0 0 0 3px #e8f5fb}
.disclosure{font-size:12.5px;color:#70808c;background:#f4f7f9;border:1px solid var(--line);padding:13px;border-radius:10px}
.page-hero{padding:50px 0 34px;background:#fff;border-bottom:1px solid var(--line)}.page-hero h1{font-size:46px;margin-bottom:13px}.prose{max-width:850px}.prose h2{font-size:30px;margin-top:38px}.prose p,.prose li{color:#526679}
table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line)}th,td{text-align:left;padding:13px;border-bottom:1px solid var(--line)}th{background:#f4f7f9}
footer{background:#0f2d44;color:#cad8e1;padding:48px 0 28px;margin-top:0}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.footer-title{color:#fff;font-weight:800;margin-bottom:12px}.footer-links{display:grid;gap:9px;font-size:14px}.footer-note{border-top:1px solid #28485e;margin-top:30px;padding-top:20px;font-size:12.5px;color:#9eb1bf}
.mobile{display:none}
@media(max-width:850px){
 .hero-grid,.two{grid-template-columns:1fr}.grid-3{grid-template-columns:1fr}.grid-4,.steps{grid-template-columns:1fr 1fr}
 .navlinks{display:none}.mobile{display:inline-flex}.hero{padding-top:48px}h1{font-size:45px}.footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:560px){.grid-4,.steps,.footer-grid{grid-template-columns:1fr}form{grid-template-columns:1fr}.full{grid-column:auto}.topbar .container{display:block}.hero-card{padding:21px}.container{width:min(100% - 26px,1120px)}}