:root{--navy:#0b1f3a;--navy2:#123159;--amber:#ffb400;--amber2:#e5a000;--bg:#f5f7fb;--card:#fff;--text:#1a2433;--muted:#566275;--line:#dfe5ee;--ok:#0f7a4d;--maxw:1120px;--radius:14px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--text);font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%}
a{color:#0a58b5;text-underline-offset:2px}
a:hover{color:#063d80}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:100}
.skip:focus{left:8px;top:8px}
/* header */
.hdr{position:sticky;top:0;z-index:50;background:var(--navy);color:#fff;box-shadow:0 2px 12px rgba(0,0,0,.18)}
.hdr .wrap{display:flex;align-items:center;gap:18px;min-height:66px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:800;letter-spacing:-.01em;line-height:1.15;font-size:17px}
.brand svg{width:28px;height:28px;color:var(--amber);flex:none}
.brand small{display:block;font-weight:500;font-size:12px;color:#b9c6da;letter-spacing:0}
.nav{margin-left:auto;display:flex;gap:6px;align-items:center}
.nav a.l{color:#dbe5f5;text-decoration:none;padding:8px 12px;border-radius:8px;font-weight:600;font-size:15px}
.nav a.l:hover,.nav a.l[aria-current]{background:rgba(255,255,255,.1);color:#fff}
.btn{display:inline-flex;align-items:center;gap:9px;background:var(--amber);color:#111;font-weight:800;text-decoration:none;padding:12px 20px;border-radius:999px;border:0;font-size:17px;line-height:1.1;box-shadow:0 3px 0 var(--amber2);transition:transform .08s}
.btn:hover{background:#ffc531;color:#111;transform:translateY(-1px)}
.btn svg{width:20px;height:20px}
.btn.lg{font-size:21px;padding:16px 28px}
.btn.ghost{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.55);box-shadow:none}
.btn.ghost:hover{background:rgba(255,255,255,.12);color:#fff}
.mnav{display:none;margin-left:auto;position:relative}
.mnav summary{list-style:none;cursor:pointer;color:#fff;font-weight:700;padding:8px 12px;border:1px solid rgba(255,255,255,.35);border-radius:8px;font-size:15px}
.mnav summary::-webkit-details-marker{display:none}
.mnav .pop{position:absolute;right:0;top:44px;background:#fff;border-radius:12px;box-shadow:0 12px 36px rgba(0,0,0,.28);min-width:230px;padding:8px;z-index:60}
.mnav .pop a{display:block;padding:11px 14px;color:var(--text);text-decoration:none;font-weight:600;border-radius:8px}
.mnav .pop a:hover{background:var(--bg)}
@media(max-width:900px){.nav{display:none}.mnav{display:block}.hdr .btn{padding:10px 14px;font-size:15px}.brand small{display:none}}
@media(max-width:520px){.hdr .btn span.t{display:none}.brand{font-size:14px}.brand span{max-width:120px}.hdr .wrap{gap:8px}}
.hdr .btn{white-space:nowrap}
/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;padding:56px 0 48px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-80px;top:-60px;width:380px;height:380px;border-radius:50%;background:radial-gradient(circle,rgba(255,180,0,.22),transparent 65%)}
.hero .wrap{position:relative;z-index:1}
.crumbs{font-size:14px;color:#b9c6da;margin-bottom:14px}
.crumbs a{color:#dbe5f5}
.hero h1{font-size:clamp(30px,5vw,48px);line-height:1.12;margin:0 0 16px;letter-spacing:-.02em;max-width:820px}
.hero .lead{font-size:clamp(18px,2.2vw,21px);color:#dbe5f5;max-width:720px;margin:0 0 24px}
.hero .cta-row{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.hero .note{color:#b9c6da;font-size:14px}
.trust{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:32px}
.trust div{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:12px;padding:12px 14px;display:flex;gap:10px;align-items:center;font-weight:700;font-size:15px;line-height:1.25}
.trust svg{width:24px;height:24px;color:var(--amber);flex:none}
@media(max-width:820px){.trust{grid-template-columns:1fr 1fr}}
@media(max-width:420px){.trust{grid-template-columns:1fr}}
/* sections */
section.s{padding:52px 0}
section.s.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
h2{font-size:clamp(24px,3.2vw,32px);line-height:1.2;margin:0 0 14px;letter-spacing:-.015em}
h3{font-size:19px;margin:0 0 6px;line-height:1.3}
.capsule{font-size:19px;color:#243146;max-width:820px}
.sub{color:var(--muted);max-width:760px;margin:0 0 26px}
.prose{max-width:820px}
.prose p{margin:0 0 16px}
.prose ul{padding-left:20px;margin:0 0 16px}
.prose li{margin-bottom:8px}
.grid{display:grid;gap:18px}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}
@media(max-width:960px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:620px){.g3,.g4,.g2{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px;text-decoration:none;color:inherit;display:block;transition:box-shadow .15s,transform .15s,border-color .15s}
a.card:hover{box-shadow:0 10px 28px rgba(11,31,58,.12);transform:translateY(-2px);border-color:#c5d1e3}
.card .ic{width:34px;height:34px;color:#0a58b5;margin-bottom:10px}
.card p{margin:0;color:var(--muted);font-size:15.5px}
.card .more{display:inline-block;margin-top:10px;color:#0a58b5;font-weight:700;font-size:15px}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
@media(max-width:960px){.steps{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.steps{grid-template-columns:1fr}}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;position:relative}
.step:before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--navy);color:var(--amber);font-weight:800;margin-bottom:12px}
.step p{margin:0;color:var(--muted);font-size:15.5px}
.cities{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:10px}
@media(max-width:900px){.cities{grid-template-columns:repeat(3,1fr)}}
@media(max-width:600px){.cities{grid-template-columns:repeat(2,1fr)}}
.cities a{display:block;background:#fff;border:1px solid var(--line);border-radius:10px;padding:11px 14px;text-decoration:none;color:var(--text);font-weight:600;font-size:15.5px}
.cities a:hover{border-color:#0a58b5;color:#0a58b5}
/* tables */
.scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--line);border-radius:12px;background:#fff;margin:18px 0 12px}
table.tbl{border-collapse:collapse;width:100%;min-width:620px;font-size:16px}
.tbl th,.tbl td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.tbl th{background:#eef2f8;font-size:14px;text-transform:uppercase;letter-spacing:.04em;color:#39475d}
.tbl tr:last-child td{border-bottom:0}
.callline{display:flex;flex-wrap:wrap;gap:14px;align-items:center;background:#fff8e1;border:1px solid #ffe08a;border-radius:12px;padding:14px 18px;margin:0 0 18px;font-weight:600}
.callline .btn{margin-left:auto}
/* facts / callouts */
.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:0 0 22px}
@media(max-width:700px){.facts{grid-template-columns:1fr}}
.fact{background:#fff;border:1px solid var(--line);border-left:4px solid var(--amber);border-radius:10px;padding:14px 16px}
.fact b{display:block;font-size:26px;line-height:1.1;color:var(--navy)}
.fact span{color:var(--muted);font-size:14.5px}
.callout{background:#eef5ff;border:1px solid #cfe0fa;border-radius:12px;padding:16px 18px;margin:0 0 18px;max-width:820px}
.callout.warn{background:#fff4f2;border-color:#f3c9c2}
/* faq */
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:10px}
.faq summary{cursor:pointer;padding:16px 18px;font-weight:700;font-size:18px;list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";font-size:24px;line-height:1;color:#0a58b5}
.faq details[open] summary:after{content:"–"}
.faq .a{padding:0 18px 16px;color:#2b384c}
.faq .a p{margin:0 0 10px}
/* cta banner */
.cta{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;text-align:center;padding:52px 0}
.cta h2{color:#fff;margin-bottom:10px}
.cta p{color:#dbe5f5;max-width:640px;margin:0 auto 22px}
/* footer */
.ftr{background:#07162b;color:#b9c6da;padding:44px 0 90px;font-size:15px}
.ftr .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:32px}
@media(max-width:800px){.ftr .cols{grid-template-columns:1fr}}
.ftr h3{color:#fff;font-size:16px;margin-bottom:10px}
.ftr a{color:#dbe5f5;text-decoration:none}
.ftr a:hover{text-decoration:underline}
.ftr ul{list-style:none;padding:0;margin:0}
.ftr li{margin-bottom:6px}
.ftr .disc{border-top:1px solid rgba(255,255,255,.14);margin-top:28px;padding-top:18px;font-size:13.5px;color:#93a4bd}
/* mobile call bar */
.callbar{display:none}
@media(max-width:760px){
 .callbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;background:var(--navy);padding:10px 14px;box-shadow:0 -4px 16px rgba(0,0,0,.25);gap:10px;align-items:center}
 .callbar .btn{flex:1;justify-content:center;font-size:19px;padding:14px}
 .callbar small{color:#b9c6da;font-size:12px;line-height:1.2;max-width:96px}
}
.related{display:flex;flex-wrap:wrap;gap:10px}
.related a{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 16px;text-decoration:none;font-weight:600;font-size:15.5px}
.related a:hover{border-color:#0a58b5}
.meta{color:var(--muted);font-size:14px;margin-top:22px}
.src{font-size:14.5px;color:var(--muted);max-width:820px}
.src a{color:var(--muted)}
@media print{.hdr,.callbar,.cta{display:none}}