:root{
  --navy:#123A78;
  --blue:#1F56B5;
  --sky:#5E8FE0;
  --gold:#F28C00;
  --gold-d:#D96A00;
  --text:#182539;
  --muted:#5E6B85;
  --bg:#F7F9FD;
  --card:#ffffff;
  --border:#E6ECF5;
  --shadow:0 20px 45px rgba(18,58,120,.09);
  --radius:22px;
}
*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{margin:0;font-family:'Inter',sans-serif;color:var(--text);background:var(--bg);line-height:1.65;-webkit-font-smoothing:antialiased;}
a{color:inherit;text-decoration:none;}
img{max-width:100%;display:block;height:auto;}
.site-shell{min-height:100vh;background:radial-gradient(circle at top left, rgba(31,86,181,.12), transparent 28%),radial-gradient(circle at top right, rgba(242,140,0,.12), transparent 24%),linear-gradient(180deg,#f7f9fd 0%,#f6f8fc 100%);}
.surface{background:linear-gradient(180deg,rgba(255,255,255,.75),rgba(255,255,255,.45));border-top:1px solid rgba(1,27,69,.05);border-bottom:1px solid rgba(1,27,69,.05);}
.wrap{max-width:1240px;margin:0 auto;padding:0 20px;}
.section{padding:72px 0;}
.section-tight{padding:42px 0;}
.topbar{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.92);backdrop-filter:blur(16px);border-bottom:1px solid rgba(1,27,69,.08);}
.topbar-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:74px;}
.brand{display:flex;align-items:center;gap:14px;font-weight:800;color:var(--navy);}
.brand img{height:56px;width:auto;}
.nav-links{display:flex;flex-wrap:wrap;align-items:center;gap:18px;font-size:.95rem;font-weight:700;color:var(--navy);}
.nav-links a{opacity:.82;}
.nav-links a:hover{opacity:1;color:var(--blue);}
.nav-cta{display:flex;align-items:center;gap:12px;}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:none;border-radius:999px;padding:14px 22px;font-weight:800;cursor:pointer;transition:transform .25s ease,box-shadow .25s ease,background .25s ease;}
.btn:hover{transform:translateY(-2px);}
.btn-primary{background:linear-gradient(135deg,var(--gold),var(--gold-d));color:#fff;box-shadow:0 14px 28px rgba(247,148,29,.24);}
.btn-secondary{background:var(--navy);color:#fff;box-shadow:0 14px 28px rgba(1,27,69,.18);}
.btn-ghost{background:#fff;color:var(--navy);border:1px solid rgba(1,27,69,.12);}
.hero{padding:50px 0 26px;}
.hero-card{display:grid;grid-template-columns:1.2fr .8fr;gap:32px;background:linear-gradient(145deg,rgba(1,27,69,.98),rgba(29,78,216,.94));color:#fff;border-radius:32px;padding:38px;box-shadow:var(--shadow);overflow:hidden;position:relative;}
.hero-card::before{content:'';position:absolute;inset:auto auto -120px -60px;width:260px;height:260px;background:radial-gradient(circle,rgba(255,255,255,.14),transparent 70%);}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.72rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:#dbeafe;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:999px;padding:8px 14px;margin-bottom:18px;}
.hero h1{margin:0 0 14px;font-size:clamp(2rem,4vw,3.6rem);line-height:1.05;letter-spacing:-.04em;}
.hero p{margin:0;font-size:1.02rem;color:rgba(255,255,255,.84);}
.hero-points{display:flex;flex-wrap:wrap;gap:10px;margin:22px 0 24px;}
.hero-points span{display:inline-flex;align-items:center;gap:8px;padding:10px 14px;border-radius:999px;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.12);font-weight:700;font-size:.84rem;}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px;}
.hero-meta{display:flex;flex-wrap:wrap;gap:12px;margin-top:18px;}
.hero-meta span{display:inline-flex;align-items:center;gap:8px;padding:8px 12px;border-radius:999px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);font-size:.78rem;font-weight:700;color:rgba(255,255,255,.86);}
.hero-aside{background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.12);border-radius:24px;padding:22px;align-self:stretch;}
.hero-aside img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:18px;margin-bottom:18px;}
.mini-list{display:grid;gap:14px;}
.mini-item strong{display:block;font-size:.76rem;letter-spacing:.05em;text-transform:uppercase;color:#bfdbfe;margin-bottom:4px;}
.mini-item span{font-size:.98rem;font-weight:700;}
.aside-cta{display:grid;gap:10px;margin-top:20px;}
.breadcrumbs{display:flex;flex-wrap:wrap;gap:10px;align-items:center;color:var(--muted);font-size:.88rem;margin:22px 0 0;}
.breadcrumbs a{color:var(--blue);font-weight:700;}
.quick-nav{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:16px;}
.quick-nav a{display:inline-flex;align-items:center;justify-content:center;padding:11px 16px;border-radius:999px;background:#fff;border:1px solid rgba(1,27,69,.1);box-shadow:0 8px 18px rgba(1,27,69,.05);font-size:.82rem;font-weight:800;color:var(--navy);}
.quick-nav a:hover{background:var(--navy);color:#fff;border-color:var(--navy);}
.trust-ribbon{display:flex;flex-wrap:wrap;gap:12px;}
.trust-ribbon span{display:inline-flex;align-items:center;padding:11px 14px;border-radius:16px;background:linear-gradient(135deg,rgba(1,27,69,.05),rgba(29,78,216,.08));border:1px solid rgba(29,78,216,.12);font-size:.84rem;font-weight:700;color:var(--navy);}
.grid-4,.grid-3,.grid-2{display:grid;gap:20px;}
.grid-4{grid-template-columns:repeat(4,minmax(0,1fr));}
.grid-3{grid-template-columns:repeat(3,minmax(0,1fr));}
.grid-2{grid-template-columns:repeat(2,minmax(0,1fr));}
.card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);box-shadow:var(--shadow);}
.info-card{padding:22px;position:relative;overflow:hidden;}
.info-card::before{content:'';position:absolute;left:0;top:0;bottom:0;width:5px;background:linear-gradient(180deg,var(--sky),var(--gold));}
.info-card strong{display:block;font-size:.76rem;color:var(--muted);text-transform:uppercase;letter-spacing:.08em;margin-bottom:8px;}
.info-card span{font-size:1.05rem;font-weight:800;color:var(--navy);}
.section-head{margin-bottom:26px;}
.section-head h2{margin:0 0 10px;font-size:clamp(1.6rem,2.7vw,2.5rem);color:var(--navy);line-height:1.15;letter-spacing:-.03em;}
.section-head p{margin:0;color:var(--muted);max-width:760px;}
.prose{display:grid;gap:14px;}
.prose p{margin:0;}
.feature-list,.step-list,.faq-list{display:grid;gap:14px;}
.feature-item,.step-item,.related-card,.faq-item{padding:20px;background:#fff;border:1px solid var(--border);border-radius:18px;box-shadow:0 16px 30px rgba(1,27,69,.05);}
.feature-item h3,.step-item h3,.related-card h3,.faq-item h3{margin:0 0 8px;font-size:1.08rem;color:var(--navy);}
.feature-item p,.step-item p,.related-card p,.faq-item p{margin:0;color:var(--muted);}
.card-kicker{display:inline-flex;align-items:center;padding:7px 10px;border-radius:999px;background:rgba(29,78,216,.08);color:var(--blue);font-size:.7rem;font-weight:900;text-transform:uppercase;letter-spacing:.08em;margin-bottom:12px;}
.bullet-list{display:grid;gap:10px;margin:0;padding:0;list-style:none;}
.bullet-list li{position:relative;padding-left:28px;}
.bullet-list li::before{content:'';position:absolute;top:.55rem;left:0;width:12px;height:12px;border-radius:50%;background:linear-gradient(135deg,var(--sky),var(--blue));}
.step-item{position:relative;padding-left:72px;}
.step-number{position:absolute;left:20px;top:20px;width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;font-weight:900;box-shadow:0 10px 20px rgba(29,78,216,.24);}
.cta-band{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:18px;padding:24px;background:linear-gradient(135deg,rgba(1,27,69,.98),rgba(2,50,116,.96));color:#fff;border-radius:26px;box-shadow:var(--shadow);}
.cta-band h2{margin:0 0 8px;font-size:1.6rem;}
.cta-band p{margin:0;color:rgba(255,255,255,.8);max-width:760px;}
.cta-band .btn-ghost{color:#fff;background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.14);}
.cta-points{display:flex;flex-wrap:wrap;gap:10px;margin-top:16px;}
.cta-points span{display:inline-flex;align-items:center;padding:9px 12px;border-radius:999px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);font-size:.78rem;font-weight:800;color:#fff;}
.related-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;}
.related-card a{color:var(--blue);font-weight:800;}
.related-card{transition:transform .25s ease,box-shadow .25s ease,border-color .25s ease;}
.related-card:hover{transform:translateY(-4px);box-shadow:0 20px 34px rgba(1,27,69,.08);border-color:rgba(29,78,216,.24);}
.faq-item{padding:0;overflow:hidden;}
.faq-item summary{list-style:none;cursor:pointer;padding:20px 52px 20px 20px;font-size:1.05rem;font-weight:800;color:var(--navy);position:relative;}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary::after{content:'+';position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:1.4rem;color:var(--blue);font-weight:400;}
.faq-item[open] summary::after{content:'−';}
.faq-answer{padding:0 20px 20px;border-top:1px solid rgba(1,27,69,.08);}
.faq-answer p{margin:16px 0 0;color:var(--muted);}
.site-footer{background:#04091A;color:rgba(255,255,255,.78);padding:60px 0 100px;margin-top:48px;}
.site-footer h3{margin:0 0 14px;color:#fff;font-size:1.1rem;}
.footer-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr 1fr;gap:28px;}
.footer-links{display:grid;gap:10px;}
.footer-links a{color:rgba(255,255,255,.72);}
.footer-links a:hover{color:#fff;}
.footer-note{margin-top:26px;padding-top:22px;border-top:1px solid rgba(255,255,255,.1);font-size:.88rem;color:rgba(255,255,255,.58);}
.sticky-cta{position:fixed;bottom:18px;left:16px;right:16px;z-index:50;display:none;gap:10px;background:rgba(1,27,69,.95);padding:10px;border-radius:24px;box-shadow:0 24px 45px rgba(0,0,0,.25);backdrop-filter:blur(16px);}
.sticky-cta .btn{flex:1;min-height:50px;}
@media (max-width:1024px){.hero-card,.grid-4,.grid-3,.grid-2,.related-grid,.footer-grid{grid-template-columns:1fr 1fr;}}
@media (max-width:820px){.nav-links{display:none;}.hero-card,.grid-4,.grid-3,.grid-2,.related-grid,.footer-grid{grid-template-columns:1fr;}.hero-card{padding:24px;}.nav-cta .btn{padding:12px 16px;}.sticky-cta{display:flex;}body{padding-bottom:96px;}.quick-nav,.trust-ribbon,.hero-meta,.cta-points{display:grid;grid-template-columns:1fr 1fr;}}
@media (max-width:520px){.wrap{padding:0 14px;}.topbar-inner{min-height:66px;}.brand img{height:46px;}.nav-cta .btn span{display:none;}.hero-actions{flex-direction:column;}.hero-actions .btn,.aside-cta .btn{width:100%;}.section{padding:58px 0;}.quick-nav,.trust-ribbon,.hero-meta,.cta-points{grid-template-columns:1fr;}.step-item{padding-left:20px;padding-top:70px;}.step-number{left:20px;top:18px;}}