:root{
  --ink:#121417;--muted:#5e6673;--line:#e7e9ee;--soft:#f6f8fb;--brand:#0b4f8a;--accent:#f4b000;--navy:#09243d;--white:#fff;
  --shadow:0 18px 45px rgba(12,22,38,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.62}
a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:underline}
.container{width:min(1160px,92vw);margin:0 auto}
.topbar{background:var(--navy);color:#dbe7f5;font-size:.92rem}
.topbar .container{display:flex;justify-content:space-between;gap:18px;padding:9px 0}
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:15px 0}
.logo{display:flex;align-items:center;gap:11px;font-weight:900;color:var(--ink);letter-spacing:-.03em;font-size:1.18rem}
.logo-mark{display:grid;place-items:center;width:42px;height:42px;border-radius:12px;background:linear-gradient(135deg,var(--brand),#47a3ff);color:#fff;font-weight:900}
nav ul{list-style:none;display:flex;gap:18px;margin:0;padding:0;align-items:center;font-size:.94rem}
nav a{color:#252b33;font-weight:750}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 18px;border-radius:999px;background:var(--brand);color:#fff!important;font-weight:850;text-decoration:none!important;border:0;cursor:pointer}
.btn.secondary{background:#eef4fb;color:var(--brand)!important}
.hero{background:linear-gradient(110deg,rgba(9,36,61,.96),rgba(9,36,61,.78)),url('hero.svg') center/cover no-repeat;color:#fff}
.hero .container{display:grid;grid-template-columns:1.08fr .74fr;gap:44px;align-items:center;padding:88px 0}
.kicker{display:inline-flex;border-radius:999px;background:rgba(244,176,0,.16);border:1px solid rgba(244,176,0,.45);padding:8px 12px;color:#ffe5a3;font-weight:900;text-transform:uppercase;font-size:.78rem;letter-spacing:.08em}
.hero h1{font-size:clamp(2.55rem,5vw,5.2rem);line-height:.98;letter-spacing:-.065em;margin:16px 0;color:#fff}
.hero p{font-size:1.16rem;color:#e8eef6;max-width:720px}
.hero-panel{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);border-radius:24px;padding:28px;backdrop-filter:blur(8px)}
.hero-panel h2{margin-top:0;color:#fff}
.hero-panel li{margin:8px 0;color:#f3f7fb}
.section{padding:68px 0}
.section.alt{background:var(--soft)}
.section-title{max-width:760px;margin:0 0 30px}
.section-title.center{text-align:center;margin-left:auto;margin-right:auto}
.section-title h2,.content h2{font-size:clamp(1.8rem,3vw,3rem);letter-spacing:-.04em;line-height:1.05;margin:0 0 12px}
.section-title p{color:var(--muted);font-size:1.08rem}
.grid{display:grid;gap:22px}
.cols-3{grid-template-columns:repeat(3,1fr)}
.cols-4{grid-template-columns:repeat(4,1fr)}
.card{display:block;background:#fff;border:1px solid var(--line);border-radius:22px;padding:24px;box-shadow:0 8px 28px rgba(12,22,38,.04);color:var(--ink);text-decoration:none!important}
.card:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.icon{display:inline-grid;place-items:center;width:44px;height:44px;border-radius:14px;background:#eef4fb;color:var(--brand);font-weight:900;margin-bottom:12px}
.card h3{margin:0 0 8px;font-size:1.16rem}
.card p{margin:0;color:var(--muted)}
.page-hero{background:linear-gradient(110deg,var(--navy),#0d4674);color:#fff}
.page-hero .container{padding:58px 0}
.breadcrumb{color:#b9cce2;font-weight:800;font-size:.9rem;margin-bottom:10px}
.page-hero h1{font-size:clamp(2.2rem,4.4vw,4.4rem);line-height:1;letter-spacing:-.055em;margin:0 0 12px;color:#fff}
.page-hero p{color:#e6eef7;max-width:820px;font-size:1.12rem}
.content{max-width:920px}
.content p,.content li{color:#333b46}
.content table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;margin:22px 0}
.content th,.content td{padding:14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.content th{background:#eef4fb;color:#0b3356}
.callout{background:#fff;border:1px solid var(--line);border-left:7px solid var(--accent);border-radius:18px;padding:24px;margin:24px 0}
.notice{background:#eef4fb;border:1px solid #d8e7f7;border-radius:18px;padding:22px;margin:22px 0;color:#193a57}
.split{display:grid;grid-template-columns:1fr .72fr;gap:34px;align-items:start}
.panel{background:#fff;border:1px solid var(--line);border-radius:22px;padding:26px;box-shadow:0 10px 30px rgba(12,22,38,.05)}
.checklist li{margin:10px 0}
.footer-cta{background:var(--navy);color:#fff}
.footer-cta h2{color:#fff;font-size:2.4rem;letter-spacing:-.04em;margin:0 0 10px}
.footer-cta p{color:#dbe7f5}
footer{background:#091522;color:#cbd5e1;padding:42px 0 28px}
footer .footgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:24px}
footer a{color:#eaf2fb}
footer ul{list-style:none;margin:0;padding:0}
footer li{margin:8px 0}
.small{font-size:.9rem;color:#718096}
.disclaimer{font-size:.88rem;color:#6b7280;border-top:1px solid var(--line);padding-top:14px;margin-top:24px}
.badge{display:inline-flex;padding:7px 10px;border-radius:999px;background:#eef4fb;color:var(--brand);font-size:.82rem;font-weight:900;margin:3px}
@media(max-width:900px){
 .hero .container,.split,footer .footgrid{grid-template-columns:1fr}
 .cols-3,.cols-4{grid-template-columns:1fr}
 nav ul{display:none}
 .hero .container{padding:60px 0}
}