:root{--ink:#0f1b2a;--body:#334155;--muted:#526173;--bg:#f5f7fa;--navy:#0f2a44;--navy2:#163a5e;--amber:#e88a00;--amber-h:#c97700;--link:#1d4f86;--link-h:#b45f00;--line:#dfe4ea;--green:#15803d;--red:#b42318;--r:14px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:80px}
body{font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;margin:0;color:var(--body);background:#fff;font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--link);text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:var(--link-h)}
h1,h2,h3,h4{color:var(--ink);line-height:1.2;letter-spacing:-.015em}h2{font-size:2rem;margin:0 0 .5em}h3{font-size:1.15rem;margin:.2em 0 .5em}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px}.narrow{max-width:780px}
/* nav */
.nav{position:sticky;top:0;z-index:50;background:#fff;box-shadow:0 1px 0 var(--line),0 4px 14px rgba(15,42,68,.06)}
.nav .wrap{display:flex;justify-content:space-between;align-items:center;height:68px}
.brand{display:flex;gap:10px;align-items:center;font-weight:800;color:var(--navy);text-decoration:none;font-size:1.15rem}.brand:hover{color:var(--navy)}
nav{display:flex;align-items:center;gap:4px}nav a{color:var(--body);text-decoration:none;font-size:.95rem;font-weight:500;padding:8px 12px;border-radius:8px}nav a:hover{background:var(--bg);color:var(--ink)}
.btn{background:var(--amber);color:#1a1000!important;font-weight:700;margin-left:8px;box-shadow:0 1px 2px rgba(0,0,0,.08)}nav a.btn:hover{background:var(--amber-h);color:#1a1000}
/* hero */
.hero{background:radial-gradient(1200px 500px at 85% 0%,#1f4f7d 0%,transparent 60%),linear-gradient(180deg,#0f2a44,#123555);color:#fff;padding:72px 0 0}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.eyebrow{color:#fcd34d;font-weight:700;text-transform:uppercase;letter-spacing:.08em;font-size:.85rem;margin:0}
.hero h1{color:#fff;font-size:3rem;line-height:1.08;margin:.35em 0 .4em}.lead{font-size:1.2rem;color:#d6e2ef;margin:0 0 28px}
.hero-img img{border-radius:18px;box-shadow:0 30px 60px -20px rgba(0,0,0,.5);aspect-ratio:16/10;object-fit:cover}
.latest{color:#c9d7e6;font-size:.95rem;margin:20px 0 0;line-height:1.8}.latest b{color:#fff}.hero a{color:#fcd34d}.hero a:hover{color:#fff}
.form-card{background:#fff;border-radius:var(--r);padding:24px;box-shadow:0 20px 40px -18px rgba(0,0,0,.45);color:var(--body)}
.form-card a{color:var(--link)}
.bd-form label{display:block;font-weight:700;color:var(--ink);margin-bottom:8px;font-size:.95rem}
.bd-row{display:flex;gap:10px}.bd-row input{flex:1;min-width:0;width:100%;padding:14px 16px;border:1px solid #c3ccd7;border-radius:10px;font-size:1rem;color:var(--ink);background:#fff}
.bd-row input:focus{outline:3px solid rgba(232,138,0,.3);border-color:var(--amber)}
button{padding:14px 22px;background:var(--amber);color:#1a1000;border:0;border-radius:10px;font-weight:700;font-size:1rem;cursor:pointer;white-space:nowrap;transition:background .15s}button:hover{background:var(--amber-h)}
.note,.cap{color:var(--muted);font-size:.9rem;margin:12px 0 0;line-height:1.55}
/* stats band */
.stat-band{display:grid;grid-template-columns:repeat(4,1fr);background:#fff;border-radius:var(--r) var(--r) 0 0;margin-top:64px;box-shadow:0 -10px 30px -20px rgba(0,0,0,.4)}
.stat{padding:26px 28px;border-left:1px solid var(--line)}.stat:first-child{border-left:0}
.stat b{display:block;font-size:2.1rem;color:var(--navy);line-height:1.1;font-weight:800}.stat b.lbl{font-size:1.35rem;padding-top:.35rem;padding-bottom:.25rem;color:var(--amber-h)}
.stat span{color:var(--muted);font-size:.9rem}
/* sections */
.sec{padding:88px 0}.alt{background:var(--bg)}.kicker{color:var(--amber-h);font-weight:700;text-transform:uppercase;letter-spacing:.08em;font-size:.85rem;margin:0 0 8px}.sub{color:var(--muted);margin:-8px 0 28px}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:32px;align-items:stretch}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;box-shadow:0 1px 2px rgba(15,42,68,.04)}.step p{margin:0}
.num{display:inline-grid;place-items:center;width:40px;height:40px;border-radius:10px;background:var(--navy);color:#fff;font-weight:800;margin-bottom:12px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:32px}.two.center{align-items:center}.two.eq{align-items:stretch}
.photo{border-radius:18px;box-shadow:0 20px 40px -20px rgba(15,42,68,.35)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;box-shadow:0 1px 3px rgba(15,42,68,.05);display:flex;flex-direction:column}
.card h2{font-size:1.5rem}
.chart{width:100%;height:auto}.chart text{font-size:13px;fill:#1e293b;font-family:inherit}
.legend{display:flex;flex-wrap:wrap;align-items:center;gap:6px 10px;color:var(--muted);font-size:.9rem;margin:0;padding-top:16px}.card>.bars:last-of-type{margin-bottom:auto}
.sw{display:inline-block;width:14px;height:14px;border-radius:3px;background:#2f5f8f}.sw.hi{background:var(--amber)}
.preview{margin-top:32px;padding:0;overflow:hidden}.preview-head{display:flex;flex-wrap:wrap;gap:12px;align-items:center;background:var(--navy);color:#fff;padding:14px 24px;font-size:.95rem}
.tag{background:var(--amber);color:#1a1000;font-weight:700;font-size:.8rem;text-transform:uppercase;letter-spacing:.05em;padding:4px 10px;border-radius:999px}
.preview .tblwrap{padding:8px 24px 0}.preview .cap{padding:0 24px 20px;margin-top:8px}
table{border-collapse:collapse;width:100%;background:#fff;margin:12px 0;font-size:.95rem}th,td{padding:11px 14px;text-align:left;border-bottom:1px solid var(--line)}
th{color:var(--muted);font-weight:600;font-size:.85rem;text-transform:uppercase;letter-spacing:.04em;background:#f8fafc}tr:nth-child(even) td{background:#f8fafc}
td.pos{color:var(--green);font-weight:700}td.neg{color:var(--red)}.tblwrap{overflow-x:auto}
.checks,.crosses{list-style:none;padding:0;margin:0 0 4px}.checks li,.crosses li{padding:8px 0 8px 32px;position:relative;color:var(--ink);font-weight:500}
.checks li:before,.crosses li:before{position:absolute;left:0;top:8px;width:22px;height:22px;border-radius:50%;display:grid;place-items:center;font-size:.8rem;font-weight:800}
.checks li:before{content:"\2713";background:#dcfce7;color:var(--green)}.crosses li:before{content:"\2715";background:#fee2e2;color:var(--red)}
.card .cap{margin-top:auto;padding-top:12px}
/* faq */
.faq{border-top:1px solid var(--line);margin-top:24px}details{border-bottom:1px solid var(--line)}
summary{list-style:none;cursor:pointer;padding:20px 40px 20px 4px;font-weight:600;color:var(--ink);font-size:1.05rem;position:relative;transition:color .15s}
summary::-webkit-details-marker{display:none}summary:hover{color:var(--link)}
summary:after{content:"";position:absolute;right:10px;top:50%;width:9px;height:9px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:translateY(-70%) rotate(45deg);transition:transform .2s}
details[open] summary:after{transform:translateY(-30%) rotate(-135deg)}details p{margin:0 4px 20px}
/* cta band */
.cta-band{background:linear-gradient(135deg,#0f2a44,#1b4772);color:#fff;padding:72px 0}.cta-band h2{color:#fff;margin:0 0 6px}.cta-band p{color:#c9d7e6;margin:0}
.cta-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:40px;align-items:center}
.cta-band .bd-form label{color:#fff}.cta-band .note{color:#c9d7e6}.cta-band .note a{color:#fcd34d}
/* inner pages */
main.page{max-width:1000px;margin:0 auto;padding:48px 24px 72px}main.page h1{font-size:2.2rem;margin:.2em 0 .5em}main.page .lead{font-size:1.15rem;color:var(--body)}
main.page h2{font-size:1.5rem;margin-top:1.6em}
.cta-panel{background:linear-gradient(135deg,#0f2a44,#1b4772);color:#c9d7e6;border-radius:var(--r);padding:32px;margin:40px 0 20px}.cta-panel h2{color:#fff;margin:0 0 4px}.cta-panel p{margin:0 0 16px}
.cta-panel label{color:#fff!important}.cta-panel .note{color:#c9d7e6}.cta-panel a{color:#fcd34d}
.cta{background:var(--bg);border:1px solid var(--line);padding:24px;border-radius:var(--r);margin-top:32px}
/* footer */
.site-foot{background:#0b2035;color:#b8c6d6;padding:56px 0 0;font-size:.95rem}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:40px}.foot-grid p{margin:12px 0 0;max-width:340px}
.site-foot h4{color:#fff;font-size:.85rem;text-transform:uppercase;letter-spacing:.08em;margin:4px 0 12px}
.site-foot a{color:#dbe5f0;text-decoration:none;display:block;padding:3px 0}.site-foot a:hover{color:#fcd34d}.brand.light{color:#fff;display:flex}
.fine{display:block;margin-top:10px;font-size:.875rem;color:#9fb0c3}.fine a{display:inline;color:#b8c6d6;text-decoration:underline}
.foot-base{border-top:1px solid rgba(255,255,255,.1);margin-top:40px;padding:20px 24px 28px;font-size:.875rem;color:#9fb0c3}
@media(max-width:900px){nav a:not(.btn){display:none}.hero-grid,.two,.steps,.cta-grid,.foot-grid{grid-template-columns:1fr}.hero{padding-top:40px}.hero h1{font-size:2.15rem}
.stat-band{grid-template-columns:1fr 1fr;margin-top:40px}.stat:nth-child(3){border-left:0}.stat:nth-child(n+3){border-top:1px solid var(--line)}
.sec{padding:56px 0}h2{font-size:1.6rem}.bd-row{flex-direction:column}button{width:100%}.stat{padding:20px}.stat b{font-size:1.7rem}}
.bars{display:flex;flex-direction:column;gap:9px;margin-top:8px}.bar{display:grid;grid-template-columns:92px 1fr 40px;align-items:center;gap:10px;font-size:.95rem;color:var(--ink)}
.bl{font-weight:600;font-variant-numeric:tabular-nums}.bl small{color:var(--muted);font-weight:500}.bt{background:#eef2f6;border-radius:6px;height:20px;overflow:hidden}
.bt i{display:block;height:100%;background:#2f5f8f;border-radius:6px}.bt i.hi{background:var(--amber)}.bv{font-weight:700;font-variant-numeric:tabular-nums}
.trend .bar{grid-template-columns:120px 1fr 52px}.tg{margin:14px 0 0;font-weight:700;color:var(--ink)}.tg:first-child{margin-top:0}.tg span{font-size:.9rem;margin-left:6px}.tg .pos{color:var(--green)}.tg .neg{color:var(--red)}
@media(max-width:900px){.stat b.lbl{font-size:1.1rem}.hero{padding-bottom:0}}