:root{
  --navy:#0d315d; --blue:#1677d2; --sky:#eaf6ff; --cream:#fbfaf5;
  --ink:#18324f; --muted:#5e7185; --line:#dbe8f2; --white:#fff;
  --shadow:0 18px 50px rgba(20,65,105,.11); --radius:22px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:linear-gradient(180deg,#fff 0%,var(--cream) 100%);line-height:1.7}
a{color:inherit}
img{max-width:100%;height:auto;display:block}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(14px);border-bottom:1px solid rgba(219,232,242,.8)}
.nav{max-width:1180px;margin:auto;padding:14px 22px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{font-weight:900;letter-spacing:.04em;color:var(--navy);text-decoration:none;font-size:1.2rem}
.brand span{color:var(--blue)}
.nav-links{display:flex;flex-wrap:wrap;gap:7px;justify-content:flex-end}
.nav-links a{padding:9px 12px;border-radius:999px;text-decoration:none;color:var(--navy);font-size:.9rem;font-weight:700}
.nav-links a:hover,.nav-links a.active{background:#edf6ff;color:#0866bd}
.container{max-width:1180px;margin:auto;padding:0 22px}
.hero{padding:34px 0 54px}
.title-badge{display:inline-flex;align-items:center;gap:8px;background:#e9f5ff;border:1px solid #cfe8fb;color:#075cae;border-radius:999px;padding:8px 14px;font-weight:800;font-size:.82rem;letter-spacing:.02em}
h1{font-size:clamp(2.25rem,5vw,4.4rem);line-height:1.06;letter-spacing:-.045em;color:var(--navy);margin:18px 0 18px}
h2{font-size:clamp(1.65rem,3vw,2.5rem);line-height:1.15;color:var(--navy);margin:0 0 14px;letter-spacing:-.025em}
h3{color:var(--navy);margin:0 0 9px;font-size:1.2rem}
.lead{font-size:1.15rem;color:var(--muted);max-width:820px}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:center}
.hero-image{border-radius:28px;box-shadow:var(--shadow);border:1px solid #e2edf4}
.cta{display:inline-flex;align-items:center;justify-content:center;gap:9px;background:linear-gradient(135deg,#075cad,#1688e8);color:#fff!important;text-decoration:none;font-weight:850;padding:13px 20px;border-radius:999px;box-shadow:0 10px 24px rgba(14,110,190,.22);margin-top:16px}
.cta:hover{transform:translateY(-1px)}
.section{padding:58px 0}
.section.alt{background:#f5fbff;border-top:1px solid #e6f0f7;border-bottom:1px solid #e6f0f7}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.card{background:rgba(255,255,255,.92);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 10px 30px rgba(24,50,79,.05)}
.card p:last-child{margin-bottom:0}
.note{border-left:4px solid var(--blue);background:#f0f8ff;padding:18px 20px;border-radius:12px;color:#36536f}
.disclaimer{font-size:.88rem;color:#6a7b8c}
.kicker{color:#0a6bbd;font-weight:850;text-transform:uppercase;letter-spacing:.09em;font-size:.78rem}
.prose{max-width:850px}
.prose p{margin:0 0 16px}
.prose ul{padding-left:22px}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:18px;background:#fff}
table{width:100%;border-collapse:collapse;min-width:650px}
th,td{text-align:left;padding:14px 16px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:#eef7ff;color:var(--navy)}
tr:last-child td{border-bottom:0}
.faq details{background:#fff;border:1px solid var(--line);border-radius:16px;padding:17px 20px;margin:11px 0}
.faq summary{cursor:pointer;font-weight:800;color:var(--navy)}
.footer{background:#0b2d52;color:#e9f4ff;padding:44px 0;margin-top:20px}
.footer a{color:#fff}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
.small{font-size:.9rem;color:#bcd2e6}
.inline-link{color:#075fae;font-weight:800;text-decoration:underline;text-decoration-thickness:2px;text-underline-offset:3px}
.image-link{display:block;text-decoration:none}
.image-link img{transition:transform .25s ease}
.image-link:hover img{transform:scale(1.01)}
@media(max-width:900px){
  .hero-grid,.grid-3,.grid-2,.footer-grid{grid-template-columns:1fr}
  .nav{align-items:flex-start;flex-direction:column}
  .nav-links{justify-content:flex-start}
  .hero{padding-top:26px}
}
@media(max-width:560px){
  .container{padding:0 16px}
  h1{font-size:2.35rem}
  .section{padding:42px 0}
  .nav-links a{font-size:.82rem;padding:7px 9px}
}