:root{--navy:#082b4c;--blue:#0f66c3;--cyan:#0aa7a7;--ink:#14283d;--muted:#5d7185;--bg:#f4f8fb;--white:#fff;--line:#dce8f0;--radius:20px;--shadow:0 16px 45px rgba(8,43,76,.12);--max:1200px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65}a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}img{max-width:100%;display:block}.container{width:min(var(--max),calc(100% - 32px));margin:auto}.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:16px;background:#fff;padding:12px;z-index:9999}.topbar{background:var(--navy);color:#d9edff;font-size:.9rem}.topbar .container{display:flex;justify-content:space-between;padding:8px 0}.site-header{position:sticky;top:0;background:rgba(255,255,255,.97);backdrop-filter:blur(14px);border-bottom:1px solid var(--line);z-index:1000}.header-row{display:flex;align-items:center;gap:22px;min-height:78px}.brand{font-weight:900;font-size:1.35rem;color:var(--navy);line-height:1.05}.brand span{color:var(--cyan)}.nav{display:flex;align-items:center;gap:4px;margin-left:auto}.nav>a,.dropbtn{padding:28px 10px;color:var(--ink);font-weight:700;font-size:.93rem;background:none;border:0;cursor:pointer}.dropdown{position:relative}.mega{display:none;position:absolute;left:50%;transform:translateX(-50%);top:74px;width:min(980px,94vw);background:#fff;border:1px solid var(--line);border-radius:0 0 22px 22px;box-shadow:var(--shadow);padding:28px;grid-template-columns:repeat(4,1fr);gap:24px}.dropdown:hover .mega,.dropdown:focus-within .mega{display:grid}.mega h3{font-size:.85rem;text-transform:uppercase;letter-spacing:.08em;color:var(--cyan);margin:0 0 10px}.mega a{display:block;padding:6px 0;color:var(--ink)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:999px;padding:13px 20px;font-weight:800;border:1px solid transparent}.btn-primary{background:linear-gradient(135deg,var(--blue),var(--cyan));color:#fff;box-shadow:0 10px 25px rgba(15,102,195,.22)}.btn-light{background:#fff;color:var(--navy);border-color:var(--line)}.hero{background:radial-gradient(circle at 80% 20%,rgba(10,167,167,.2),transparent 32%),linear-gradient(135deg,#06223e,#0b4f81);color:#fff;padding:82px 0 72px}.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:44px;align-items:center}.eyebrow{display:inline-block;border:1px solid rgba(255,255,255,.28);border-radius:999px;padding:7px 12px;font-weight:800;font-size:.82rem}.hero h1{font-size:clamp(2.4rem,5vw,4.5rem);line-height:1.04;margin:18px 0}.hero p{font-size:1.16rem;color:#dceeff;max-width:760px}.hero-card{background:#fff;color:var(--ink);padding:28px;border-radius:var(--radius);box-shadow:var(--shadow)}.hero-card h2{margin-top:0}.trust{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:26px}.trust div{background:rgba(255,255,255,.08);padding:14px;border-radius:14px}.section{padding:72px 0}.section.alt{background:var(--bg)}.section h2{font-size:clamp(1.8rem,3vw,2.75rem);line-height:1.15;margin:0 0 14px;color:var(--navy)}.lead{font-size:1.08rem;color:var(--muted);max-width:850px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:30px}.grid.four{grid-template-columns:repeat(4,1fr)}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 8px 28px rgba(8,43,76,.06)}.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);transition:.2s}.icon{width:48px;height:48px;border-radius:14px;background:linear-gradient(135deg,#e8f3ff,#dcfbf8);display:grid;place-items:center;font-weight:900;color:var(--blue);margin-bottom:16px}.card h3{color:var(--navy);margin:0 0 8px}.tag{display:inline-block;background:#e8f5ff;color:var(--blue);padding:4px 9px;border-radius:99px;font-size:.8rem;font-weight:800}.breadcrumbs{font-size:.9rem;color:var(--muted);padding:18px 0}.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:36px}.prose h2{margin-top:42px}.prose h3{margin-top:28px;color:var(--navy)}.prose p,.prose li{color:#344b60}.sidebar{position:sticky;top:100px;align-self:start}.notice{background:#fff9e9;border-left:4px solid #f0aa00;padding:18px;border-radius:12px}.cta{background:linear-gradient(135deg,var(--navy),#0e5d93);color:#fff;padding:38px;border-radius:26px;display:flex;justify-content:space-between;align-items:center;gap:24px}.cta h2{color:#fff}.faq-item{border-bottom:1px solid var(--line)}.faq-q{width:100%;text-align:left;background:none;border:0;padding:20px 0;font-size:1.05rem;font-weight:800;color:var(--navy);cursor:pointer}.faq-a{display:none;padding:0 0 20px}.faq-item.open .faq-a{display:block}.table-wrap{overflow:auto}.table{width:100%;border-collapse:collapse;background:#fff}.table th,.table td{padding:14px;border:1px solid var(--line);text-align:left}.table th{background:#eaf4fb;color:var(--navy)}.footer{background:#061f38;color:#d7e8f5;padding:60px 0 26px}.footer-grid{display:grid;grid-template-columns:1.4fr repeat(4,1fr);gap:30px}.footer h3{color:#fff}.footer a{color:#d7e8f5;display:block;padding:4px 0}.cookie{position:fixed;left:20px;right:20px;bottom:20px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px;box-shadow:var(--shadow);z-index:1200;display:flex;justify-content:space-between;gap:20px;align-items:center}.mobile-toggle{display:none;margin-left:auto;background:none;border:0;font-size:1.6rem}.mobile-quote{display:none}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.field label{display:block;font-weight:800;margin-bottom:6px}.field input,.field select,.field textarea{width:100%;padding:13px;border:1px solid #bed0df;border-radius:12px;font:inherit}.field.full{grid-column:1/-1}