:root{--navy:#012169;--navy-dark:#00164a;--navy-soft:#e8ecf6;--red:#c8102e;--red-dark:#9e0c24;--ink:#0f1a33;--muted:#5b6270;--line:#e4e6ea;--bg:#ffffff;--soft:#f6f7f9;--max:1120px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,"Liberation Sans","DejaVu Sans",sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
a{color:var(--navy)}
a:hover{color:var(--red)}
img{max-width:100%}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:99}
header.site{border-bottom:1px solid var(--line);border-top:4px solid var(--red);background:#fff;position:sticky;top:0;z-index:20}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;min-height:68px;gap:16px}
.logo{display:inline-flex;align-items:center;text-decoration:none;flex-shrink:0}
.logo img{display:block;height:50px;width:auto}
footer.site .logo img{height:44px}
@media (max-width:420px){.logo img{height:40px}}
nav.main ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;flex-wrap:wrap}
nav.main a{display:block;padding:8px 12px;border-radius:6px;text-decoration:none;color:var(--ink);font-size:15px;font-weight:500}
nav.main a:hover,nav.main a[aria-current=page]{background:var(--navy-soft);color:var(--navy)}
nav.main a.cta{background:var(--red);color:#fff}
nav.main a.cta:hover{background:var(--red-dark);color:#fff}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:6px;padding:8px 12px;font-size:15px;cursor:pointer}
@media (max-width:900px){
 .menu-btn{display:block}
 nav.main{display:none;position:absolute;left:0;right:0;top:72px;background:#fff;border-bottom:1px solid var(--line)}
 nav.main.open{display:block}
 nav.main ul{flex-direction:column;padding:10px 20px}
}
.hero{background:linear-gradient(135deg,#fff 0%,#fff 55%,#e8ecf6 100%);border-bottom:1px solid var(--line)}
.hero .wrap{padding-top:72px;padding-bottom:72px;display:grid;grid-template-columns:1.3fr 1fr;gap:40px;align-items:center}
.hero h1{color:var(--navy);font-size:clamp(32px,4.6vw,52px);line-height:1.1;margin:0 0 18px;letter-spacing:-.02em}
.hero h1 span{color:var(--red)}
.hero p.lead{font-size:20px;color:var(--muted);margin:0 0 28px;max-width:36em}
.hero .panel{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px;box-shadow:0 10px 30px rgba(0,0,0,.06)}
.hero .panel h2{color:var(--navy);font-size:18px;margin:0 0 12px}
.hero .panel ol{margin:0;padding-left:20px;color:var(--muted)}
.hero .panel li{margin:6px 0}
@media (max-width:820px){.hero .wrap{grid-template-columns:1fr;padding-top:48px;padding-bottom:48px}}
.page-head{background:var(--navy);color:#fff;border-bottom:4px solid var(--red)}
.page-head .wrap{padding-top:48px;padding-bottom:40px}
.page-head h1{margin:0 0 10px;font-size:clamp(28px,3.6vw,42px);letter-spacing:-.01em}
.page-head p{margin:0;color:#c9d2e8;font-size:19px;max-width:44em}
.crumbs{font-size:14px;color:#c9d2e8;margin-bottom:10px}.crumbs a{color:#fff}
.btn{display:inline-block;padding:12px 22px;border-radius:8px;background:var(--navy);color:#fff;text-decoration:none;font-weight:600;border:2px solid var(--navy);cursor:pointer;font-size:16px}
.btn:hover{background:var(--navy-dark);border-color:var(--navy-dark);color:#fff}
.btn.accent{background:var(--red);border-color:var(--red)}.btn.accent:hover{background:var(--red-dark);border-color:var(--red-dark)}
.btn.ghost{background:transparent;color:var(--navy)}
.btn.ghost:hover{background:var(--navy);color:#fff}
.btns{display:flex;gap:12px;flex-wrap:wrap}
section{padding:56px 0}
section.alt{background:var(--soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
h2{color:var(--navy);font-size:clamp(24px,2.8vw,32px);margin:0 0 14px;letter-spacing:-.01em}
h3{font-size:20px;margin:0 0 8px}
.intro{color:var(--muted);max-width:46em;margin:0 0 30px}
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media (max-width:900px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:620px){.g2,.g3,.g4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px;display:flex;flex-direction:column}
.card p{color:var(--muted);margin:0 0 14px}
.card .more{margin-top:auto;font-weight:600;text-decoration:none;color:var(--red)}
.card .ico{width:42px;height:42px;border-radius:10px;background:var(--navy);color:#fff;border-bottom:3px solid var(--red);display:flex;align-items:center;justify-content:center;margin-bottom:14px;font-weight:800}
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:16px;grid-template-columns:repeat(4,1fr)}
.steps li{background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px;position:relative}
.steps li::before{counter-increment:s;content:counter(s);display:inline-flex;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;align-items:center;justify-content:center;font-weight:700;margin-bottom:10px}
.steps li p{margin:0;color:var(--muted)}
@media (max-width:900px){.steps{grid-template-columns:repeat(2,1fr)}}@media (max-width:560px){.steps{grid-template-columns:1fr}}
.prose{max-width:760px}
.prose h2{margin-top:36px}.prose h3{margin-top:26px}
.prose ul{padding-left:22px}.prose li{margin:5px 0}
.two{display:grid;grid-template-columns:1.6fr 1fr;gap:40px;align-items:start}
@media (max-width:860px){.two{grid-template-columns:1fr}}
aside.box{background:var(--navy-soft);border:1px solid var(--line);border-left:4px solid var(--red);border-radius:10px;padding:22px}
aside.box h3{margin-top:0}
aside.box ul{padding-left:20px;margin:0 0 16px}
.note{background:#fff8e6;border:1px solid #f1d58a;border-radius:10px;padding:14px 18px;font-size:15px}
table{border-collapse:collapse;width:100%;font-size:15px}
th,td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
th{background:var(--soft)}
details{border:1px solid var(--line);border-radius:10px;padding:0 18px;margin:0 0 12px;background:#fff}
summary{cursor:pointer;font-weight:600;padding:16px 0;list-style:none}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";float:right;color:var(--red);font-size:22px;line-height:1}
details[open] summary::after{content:"-"}
details p{margin:0 0 16px;color:var(--muted)}
form.quote{display:grid;gap:16px;grid-template-columns:1fr 1fr}
form.quote .full{grid-column:1/-1}
form.quote label{display:block;font-weight:600;font-size:15px;margin-bottom:6px}
form.quote input,form.quote select,form.quote textarea{width:100%;padding:11px 12px;border:1px solid #cfd3d9;border-radius:8px;font:inherit;font-size:16px;background:#fff}
form.quote input:focus,form.quote select:focus,form.quote textarea:focus{outline:2px solid var(--navy);outline-offset:1px;border-color:var(--navy)}
form.quote fieldset{border:1px solid var(--line);border-radius:10px;padding:16px 18px;margin:0}
form.quote legend{font-weight:700;padding:0 6px}
form.quote .check{display:flex;gap:10px;align-items:flex-start;font-weight:400}
form.quote .check input{width:auto;margin-top:5px}
@media (max-width:620px){form.quote{grid-template-columns:1fr}}
.cta-band{background:var(--navy);color:#fff;border-top:4px solid var(--red)}
.cta-band .wrap{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap}
.cta-band h2{color:#fff;margin:0 0 6px}.cta-band p{margin:0;color:#c9d2e8}
footer.site{background:#00133d;color:#b8c2da;font-size:15px}
footer.site .wrap{padding-top:48px;padding-bottom:24px}
footer.site .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px}
@media (max-width:860px){footer.site .cols{grid-template-columns:1fr 1fr}}
@media (max-width:520px){footer.site .cols{grid-template-columns:1fr}}
footer.site h4{color:#fff;font-size:15px;margin:0 0 12px;text-transform:uppercase;letter-spacing:.08em}
footer.site ul{list-style:none;margin:0;padding:0}footer.site li{margin:6px 0}
footer.site a{color:#e2e4e8;text-decoration:none}footer.site a:hover{color:#fff;text-decoration:underline}
footer.site .legal{border-top:1px solid #1c2f5e;margin-top:32px;padding-top:18px;font-size:13px;color:#93a0bf}
.ph{background:#fff3c4;color:#5a4500;padding:0 4px;border-radius:3px;font-family:ui-monospace,Menlo,Consolas,monospace;font-size:.92em}
footer.site .ph{background:#2a3150;color:#ffd970}