:root{--bg:#f6f8fb;--ink:#102235;--muted:#5f6b7a;--brand:#0c4a6e;--brand-2:#0f766e;--gold:#d9a441;--card:#fff;--line:#dbe4ee;--shadow:0 18px 50px rgba(16,34,53,.12);--radius:22px;--max:1180px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;line-height:1.65;color:var(--ink);background:var(--bg)}
a{color:#075985;text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto;display:block}
.container{max-width:var(--max);margin:0 auto;padding:0 22px}
.skip-link{position:absolute;left:-999px;top:8px;background:#fff;color:#000;padding:10px 14px;border-radius:10px;z-index:1000}
.skip-link:focus{left:8px}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;gap:14px;min-height:82px;padding:10px 0}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;color:var(--ink);font-size:16px;flex:0 0 auto}
.brand:hover{text-decoration:none}
.brand-mark{display:grid;place-items:center;width:42px;height:42px;border-radius:14px;background:linear-gradient(135deg,var(--brand),var(--brand-2));color:#fff;font-weight:900}
.main-nav{display:flex;gap:6px 4px;align-items:center;flex:1;justify-content:center;flex-wrap:wrap;min-width:0}
.main-nav a{font-size:12px;line-height:1.2;font-weight:700;color:#25364a;padding:9px 10px;border-radius:999px;white-space:nowrap}
.main-nav a:hover,.main-nav a[aria-current="page"]{background:#e8f2f6;text-decoration:none;color:#064968}
.header-cta{background:var(--ink);color:#fff;font-weight:800;padding:10px 15px;border-radius:999px;white-space:nowrap;flex:0 0 auto}
.header-cta:hover{text-decoration:none;background:#000}
.nav-toggle{display:none;background:#fff;border:1px solid var(--line);border-radius:12px;padding:8px 11px;font-size:22px}
.hero{padding:72px 0 48px;background:radial-gradient(circle at top left,#e6f7f4 0,#f6f8fb 38%,#fff 100%)}
.hero.compact{padding:46px 0 34px}
.hero-grid{display:grid;grid-template-columns:1.02fr .98fr;align-items:center;gap:40px}
.eyebrow{margin:0 0 12px;color:var(--brand-2);font-weight:900;letter-spacing:.08em;text-transform:uppercase;font-size:13px}
.breadcrumb{display:flex;gap:9px;font-size:14px;color:var(--muted);margin-bottom:18px;flex-wrap:wrap}
.breadcrumb a{color:var(--muted)}
h1,h2,h3{line-height:1.18;margin:0 0 16px;color:#0d2135}
h1{font-size:clamp(38px,5.5vw,68px);letter-spacing:-.045em}
h2{font-size:clamp(27px,3vw,40px);letter-spacing:-.03em}
h3{font-size:22px}
.lead{font-size:21px;color:#34465a;margin:0 0 26px;max-width:690px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0}
.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;padding:14px 22px;font-weight:900;border:2px solid transparent;cursor:pointer}
.btn-primary{background:linear-gradient(135deg,var(--brand),var(--brand-2));color:#fff;box-shadow:0 10px 25px rgba(15,118,110,.25)}
.btn-primary:hover,.btn-secondary:hover,.btn-outline:hover{text-decoration:none}
.btn-outline{border-color:#b6c7d8;color:var(--ink);background:#fff}
.btn-secondary{background:#fff;color:var(--brand);border-color:#d9e6ef}
.trust-row{display:flex;gap:10px;flex-wrap:wrap}
.trust-row span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 11px;font-size:13px;font-weight:800;color:#34465a}
.hero-media{margin:0;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);background:#fff}
.content-grid{display:grid;grid-template-columns:260px 1fr;gap:34px;align-items:start;padding-top:44px;padding-bottom:70px}
.toc{position:sticky;top:98px;background:#fff;border:1px solid var(--line);border-radius:20px;padding:18px;box-shadow:0 8px 24px rgba(16,34,53,.06)}
.toc strong{display:block;margin-bottom:10px}
.toc a{display:block;padding:9px 0;border-top:1px solid #eef3f7;font-size:15px;color:#3b4c5f}
.article{min-width:0}
.section{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px;margin-bottom:24px;box-shadow:0 8px 26px rgba(16,34,53,.05)}
.section p{font-size:18px;color:#34465a}
.section p:last-child{margin-bottom:0}
.mini-cta{display:flex;align-items:center;gap:14px;justify-content:space-between;margin-top:24px;background:#f0f9ff;border:1px solid #cfe8f5;border-radius:18px;padding:18px;flex-wrap:wrap}
.mini-cta strong{font-size:18px}
.mini-cta span{color:#46596c}
.expert-box{background:#102235;color:#fff;border-radius:var(--radius);padding:28px;margin-bottom:24px;box-shadow:var(--shadow)}
.expert-box h3{color:#fff}
.expert-box p{color:#e3e9ef}
.expert-box a{color:#fff;font-weight:800;text-decoration:underline}
.split-section{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.check-card{background:#f7fbfc;border:1px solid var(--line);border-radius:18px;padding:22px}
.check-list{padding:0;margin:14px 0 0;list-style:none}
.check-list li{position:relative;padding-left:30px;margin:10px 0;color:#34465a}
.check-list li:before{content:"✓";position:absolute;left:0;top:0;display:grid;place-items:center;width:20px;height:20px;border-radius:50%;background:#dff5ef;color:#0f766e;font-weight:900;font-size:13px}
.related-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.related-card{display:block;border:1px solid var(--line);border-radius:18px;padding:18px;background:#f9fbfd}
.related-card span{display:block;color:var(--brand-2);font-weight:900;font-size:13px;text-transform:uppercase}
.related-card strong{display:block;color:var(--ink);font-size:18px;margin:5px 0}
.related-card em{display:block;color:var(--muted);font-style:normal;font-size:14px}
.faq details{border:1px solid var(--line);border-radius:16px;padding:16px 18px;margin:12px 0;background:#fafcfe}
.faq summary{font-weight:900;cursor:pointer}
.contact-panel{display:grid;grid-template-columns:.9fr 1.1fr;gap:26px;background:linear-gradient(135deg,#09213a,#0f766e);border-radius:28px;padding:34px;margin:28px 0;color:#fff;box-shadow:var(--shadow)}
.contact-panel h2,.contact-panel .eyebrow{color:#fff}
.contact-panel p,.contact-panel li{color:#edf7f6}
.lead-form{background:#fff;color:var(--ink);border-radius:22px;padding:24px;display:grid;gap:14px}
.lead-form label{font-weight:800}
.lead-form span{color:#c2410c}
.lead-form small{font-weight:400;color:var(--muted)}
input,textarea{width:100%;border:1px solid #cfd9e4;border-radius:14px;padding:13px 14px;font:inherit;margin-top:6px;background:#fff}
input:focus,textarea:focus{outline:3px solid #bae6fd;border-color:#0284c7}
.privacy-check{display:flex;gap:10px;font-weight:500;font-size:14px;align-items:flex-start}
.privacy-check input{width:auto;margin-top:5px}
.hp{position:absolute;left:-9999px;opacity:0}
.site-footer{background:#0c1724;color:#d8e1ea;padding:48px 0 18px}
.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:34px}
.site-footer h2{font-size:19px;color:#fff}
.site-footer a{color:#fff}
.footer-brand{color:#fff}
.footer-links{list-style:none;padding:0;margin:0}
.footer-links li{margin:7px 0}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:34px;padding-top:18px;color:#93a4b7;font-size:14px}
.privacy-content ul{margin-top:0}
.privacy-content li{margin:8px 0}
@media(max-width:1100px){.brand{font-size:15px}.main-nav a{font-size:11px;padding:8px 9px}.header-cta{padding:9px 12px}}
@media(max-width:980px){.nav-toggle{display:block;margin-left:auto}.main-nav{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;padding:14px 22px;border-bottom:1px solid var(--line);box-shadow:0 18px 30px rgba(0,0,0,.08);flex-direction:column;align-items:flex-start;flex-wrap:nowrap}.main-nav.open{display:flex}.header-cta{display:none}.hero-grid,.content-grid,.contact-panel,.split-section,.footer-grid{grid-template-columns:1fr}.toc{position:static}.hero{padding-top:42px}.related-grid{grid-template-columns:1fr}}
@media(max-width:620px){.container{padding:0 16px}h1{font-size:39px}.lead{font-size:18px}.section,.contact-panel{padding:22px;border-radius:18px}.hero-actions{flex-direction:column}.btn{width:100%}.trust-row span{width:100%}.mini-cta{align-items:flex-start}.brand span:last-child{font-size:16px}}