:root{--navy: #0f2a43;--navy-dark: #0a1e31;--blue: #1668b3;--blue-light: #e8f1fa;--accent: #f0872b;--accent-dark: #d9731a;--ink: #24313d;--muted: #5a6b7a;--line: #dde5ec;--bg: #ffffff;--bg-alt: #f4f8fb;--radius: 10px;--maxw: 1120px;--font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}img{max-width:100%;height:auto;display:block}a{color:var(--blue)}a:hover{color:var(--navy)}h1,h2,h3,h4{color:var(--navy);line-height:1.2;margin:0 0 .6em;font-weight:800}h1{font-size:clamp(1.9rem,4.5vw,2.9rem)}h2{font-size:clamp(1.5rem,3vw,2rem);margin-top:1.6em}h3{font-size:1.2rem;margin-top:1.4em}p{margin:0 0 1em}.container{max-width:var(--maxw);margin:0 auto;padding:0 20px}.skip-link{position:absolute;left:-9999px;background:var(--navy);color:#fff;padding:10px 16px}.skip-link:focus{left:10px;top:10px;z-index:100}.btn{display:inline-block;padding:13px 26px;border-radius:var(--radius);font-weight:700;text-decoration:none;transition:background .15s ease,transform .15s ease}.btn-primary{background:var(--accent);color:#fff!important}.btn-primary:hover{background:var(--accent-dark);transform:translateY(-1px)}.btn-outline{background:transparent;color:#fff!important;border:2px solid rgba(255,255,255,.7)}.btn-outline:hover{border-color:#fff;background:#ffffff1a}.btn-blue{background:var(--blue);color:#fff!important}.btn-blue:hover{background:var(--navy)}.topbar{background:var(--navy-dark);color:#cfdcea;font-size:.85rem;padding:6px 0}.topbar .container{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}.topbar a{color:#fff;text-decoration:none;font-weight:600}.site-header{background:var(--navy);position:sticky;top:0;z-index:50;box-shadow:0 2px 10px #0a1e3159}.site-header .container{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:12px;padding-bottom:12px}.logo{color:#fff;text-decoration:none;font-size:1.35rem;font-weight:800;letter-spacing:.5px;white-space:nowrap}.logo span{color:var(--accent)}.main-nav>ul{list-style:none;display:flex;gap:4px;margin:0;padding:0;align-items:center}.main-nav a{color:#e6eef6;text-decoration:none;font-weight:600;font-size:.95rem;padding:10px 12px;border-radius:6px;display:block}.main-nav a:hover{background:#ffffff1f;color:#fff}.has-dropdown{position:relative}.dropdown{display:none;position:absolute;top:100%;left:0;background:#fff;min-width:270px;border-radius:0 0 var(--radius) var(--radius);box-shadow:0 12px 30px #0a1e3140;padding:8px 0;list-style:none;margin:0}.has-dropdown:hover .dropdown,.has-dropdown:focus-within .dropdown{display:block}.dropdown a{color:var(--ink);padding:9px 18px;border-radius:0}.dropdown a:hover{background:var(--blue-light);color:var(--navy)}.nav-toggle{display:none;background:none;border:2px solid rgba(255,255,255,.6);border-radius:8px;color:#fff;font-size:1.15rem;padding:6px 12px;cursor:pointer}.header-cta{white-space:nowrap}@media(max-width:940px){.nav-toggle{display:block}.header-cta{display:none}.main-nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--navy);padding:10px 20px 20px;box-shadow:0 14px 24px #0a1e3166}.main-nav.open{display:block}.main-nav>ul{flex-direction:column;align-items:stretch}.dropdown{position:static;display:block;background:transparent;box-shadow:none;padding-left:14px}.dropdown a{color:#b8c9d9}.dropdown a:hover{background:#ffffff1a;color:#fff}}.hero{background:linear-gradient(140deg,var(--navy) 0%,#143a5c 55%,var(--blue) 110%);color:#fff;padding:72px 0 80px}.hero h1{color:#fff;max-width:18ch}.hero .kicker{text-transform:uppercase;letter-spacing:2px;font-weight:700;font-size:.85rem;color:var(--accent);margin-bottom:14px}.hero .sub{font-size:1.15rem;max-width:60ch;color:#d7e3ef;margin-bottom:28px}.hero .actions{display:flex;gap:14px;flex-wrap:wrap}.hero-compact{padding:52px 0 56px}.section{padding:64px 0}.section-alt{background:var(--bg-alt)}.section .lead{font-size:1.1rem;max-width:70ch;color:var(--muted)}.grid{display:grid;gap:22px}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-4{grid-template-columns:repeat(4,1fr)}.grid-2{grid-template-columns:repeat(2,1fr)}@media(max-width:900px){.grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}}@media(max-width:600px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px 24px;box-shadow:0 2px 8px #0f2a430d;transition:box-shadow .15s ease,transform .15s ease}.card:hover{box-shadow:0 10px 24px #0f2a431f;transform:translateY(-2px)}.card h3{margin-top:0}.card h3 a{color:var(--navy);text-decoration:none}.card h3 a:hover{color:var(--blue)}.card p{color:var(--muted);font-size:.96rem;margin-bottom:0}.card .more{font-weight:700;font-size:.9rem;text-decoration:none}.steps{counter-reset:step}.step{position:relative;padding-left:0}.step .num{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;font-size:1.15rem;margin-bottom:12px}.stats{background:var(--navy);color:#fff;padding:48px 0}.stats .grid{text-align:center}.stat .value{font-size:2.4rem;font-weight:800;color:var(--accent)}.stat .label{color:#c6d5e4;font-size:.95rem}.cta-band{background:linear-gradient(120deg,var(--blue),var(--navy));color:#fff;padding:56px 0;text-align:center}.cta-band h2{color:#fff;margin-top:0}.cta-band p{color:#d7e3ef;max-width:60ch;margin:0 auto 24px}.cta-band .actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}.faq details{border:1px solid var(--line);border-radius:var(--radius);margin-bottom:12px;background:#fff}.faq summary{cursor:pointer;font-weight:700;padding:16px 44px 16px 20px;color:var(--navy);list-style:none;position:relative}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:1.3rem;color:var(--blue)}.faq details[open] summary:after{content:"−"}.faq .answer{padding:0 20px 18px;color:var(--muted)}.faq .answer p:last-child{margin-bottom:0}.article{max-width:780px}.article ul,.article ol{padding-left:1.3em;margin:0 0 1.2em}.article li{margin-bottom:.45em}.article .callout{background:var(--blue-light);border-left:4px solid var(--blue);border-radius:0 var(--radius) var(--radius) 0;padding:18px 22px;margin:1.6em 0}.article .callout p:last-child{margin-bottom:0}.two-col{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:48px;align-items:start}@media(max-width:940px){.two-col{grid-template-columns:1fr}}.sidebar .card{position:sticky;top:90px}.sidebar ul{list-style:none;padding:0;margin:0}.sidebar li{border-bottom:1px solid var(--line)}.sidebar li:last-child{border-bottom:none}.sidebar a{display:block;padding:10px 2px;text-decoration:none;font-weight:600;font-size:.95rem}.checklist{list-style:none;padding:0;counter-reset:item}.checklist>li{counter-increment:item;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px 22px 20px 68px;margin-bottom:14px;position:relative}.checklist>li:before{content:counter(item);position:absolute;left:18px;top:20px;width:34px;height:34px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}.checklist h3{margin:0 0 6px;font-size:1.05rem}.checklist p{margin:0;color:var(--muted);font-size:.95rem}.contact-form{display:grid;gap:16px}.contact-form label{font-weight:700;color:var(--navy);font-size:.92rem}.contact-form input,.contact-form select,.contact-form textarea{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:8px;font-family:inherit;font-size:1rem;margin-top:6px}.contact-form input:focus,.contact-form select:focus,.contact-form textarea:focus{outline:2px solid var(--blue);border-color:var(--blue)}.contact-form button{border:none;cursor:pointer;font-size:1rem}.info-list{list-style:none;padding:0;margin:0}.info-list li{padding:8px 0;border-bottom:1px solid var(--line)}.info-list li:last-child{border-bottom:none}.info-list strong{color:var(--navy)}.site-footer{background:var(--navy-dark);color:#b8c9d9;padding:56px 0 0;font-size:.95rem}.site-footer h4{color:#fff;font-size:1.05rem;margin-bottom:14px}.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin-bottom:8px}.site-footer a{color:#b8c9d9;text-decoration:none}.site-footer a:hover{color:#fff}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;padding-bottom:40px}@media(max-width:800px){.footer-grid{grid-template-columns:1fr}}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding:18px 0;font-size:.85rem;color:#8fa5ba}.footer-bottom .container{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}.badge-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:20px}.badge{background:#ffffff1f;border:1px solid rgba(255,255,255,.25);color:#fff;border-radius:999px;padding:6px 16px;font-size:.85rem;font-weight:600}.breadcrumbs{font-size:.85rem;color:var(--muted);padding:14px 0 0}.breadcrumbs a{text-decoration:none}