:root{--blue:#0b2e59;--blue2:#123f73;--ink:#122033;--muted:#607089;--line:#e5edf5;--soft:#f4f8fc;--gold:#d6a033;--white:#fff;--shadow:0 18px 48px rgba(7,31,61,.13);--radius:22px}*{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:1.55}.container{width:min(1180px,92vw);margin-inline:auto}.skip{position:absolute;left:-9999px;top:8px;background:#fff;color:#000;padding:8px;z-index:99}.skip:focus{left:8px}.site-header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.navwrap{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:14px 0}.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--blue)}.brand-mark{display:grid;place-items:center;width:42px;height:42px;background:var(--blue);color:#fff;border-radius:12px;font-weight:800}.brand strong{display:block;letter-spacing:.08em}.brand small{display:block;color:var(--muted);font-size:.75rem}.main-nav{display:flex;align-items:center;gap:6px;flex-wrap:wrap}.main-nav a{color:#183452;text-decoration:none;padding:9px 12px;border-radius:999px;font-weight:700;font-size:.92rem}.main-nav a:hover,.main-nav a[aria-current=page]{background:var(--soft);color:var(--blue)}.menu-toggle{display:none;border:0;background:var(--blue);color:#fff;border-radius:999px;padding:9px 14px;font-weight:700}.hero{position:relative;isolation:isolate;overflow:hidden;background:linear-gradient(135deg,#071d38 0%,#0b2e59 55%,#164d88 100%);color:#fff}.hero:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 82% 28%,rgba(214,160,51,.25),transparent 28%),radial-gradient(circle at 12% 95%,rgba(255,255,255,.16),transparent 25%);z-index:-1}.hero .container{padding:78px 0 54px}.hero-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(320px,.85fr);gap:40px;align-items:center}.eyebrow{display:inline-flex;gap:8px;align-items:center;padding:8px 12px;border:1px solid rgba(255,255,255,.25);border-radius:999px;font-weight:800;text-transform:uppercase;letter-spacing:.09em;font-size:.76rem;color:#dcecff}.hero h1{font-size:clamp(2.4rem,5vw,5.2rem);line-height:1.02;margin:18px 0 18px;letter-spacing:-.055em}.hero p{font-size:1.18rem;color:#e5eef8;max-width:760px}.hero-card{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.22);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}.hero-card h2{margin:0 0 12px;color:#fff}.metric-row{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:18px}.metric{background:#fff;color:var(--blue);border-radius:18px;padding:14px}.metric strong{display:block;font-size:1.45rem}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.button{display:inline-flex;align-items:center;justify-content:center;gap:8px;text-decoration:none;border-radius:999px;padding:13px 19px;background:var(--gold);color:#111;font-weight:900;border:1px solid transparent}.button.secondary{background:#fff;color:var(--blue)}.button.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.4)}.button.small{padding:9px 13px;font-size:.9rem}.section{padding:62px 0}.section.soft{background:var(--soft)}.section.narrow .container{max-width:880px}.section-head{display:flex;align-items:end;justify-content:space-between;gap:24px;margin-bottom:28px}.section-head h2,.section h2{font-size:clamp(1.7rem,3vw,2.7rem);line-height:1.1;margin:0;color:var(--blue);letter-spacing:-.03em}.section-head p{max-width:720px;color:var(--muted);margin:8px 0 0}.grid{display:grid;gap:20px}.grid.cards{grid-template-columns:repeat(3,minmax(0,1fr))}.grid.two{grid-template-columns:repeat(2,minmax(0,1fr))}.grid.four{grid-template-columns:repeat(4,minmax(0,1fr))}.card{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;text-decoration:none;color:var(--ink);box-shadow:0 10px 28px rgba(10,31,61,.06)}a.card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}.card h3{margin:0 0 10px;color:var(--blue);font-size:1.18rem}.card p{margin:0;color:var(--muted)}.tag{display:inline-flex;border-radius:999px;padding:5px 10px;background:#eaf2fb;color:var(--blue);font-weight:800;font-size:.75rem;margin-bottom:12px}.cta-band{background:linear-gradient(135deg,var(--blue),#06162b);color:#fff;border-radius:28px;padding:32px;display:grid;grid-template-columns:1.5fr .8fr;gap:24px;align-items:center;box-shadow:var(--shadow)}.cta-band h2{color:#fff}.cta-band p{color:#e3edf9}.list-check{padding:0;margin:16px 0;list-style:none}.list-check li{padding-left:28px;position:relative;margin:10px 0}.list-check li:before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:900}.split{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}.table{width:100%;border-collapse:collapse;background:#fff;border-radius:18px;overflow:hidden;border:1px solid var(--line)}.table th,.table td{text-align:left;padding:14px 16px;border-bottom:1px solid var(--line);vertical-align:top}.table th{background:#eef5fb;color:var(--blue)}.form{display:grid;gap:14px}.form label{font-weight:800;color:var(--blue)}.form input,.form textarea,.form select{width:100%;border:1px solid #ccd8e5;border-radius:14px;padding:12px;font:inherit}.form textarea{min-height:130px}.hp-field{position:absolute!important;left:-10000px!important;top:auto!important;width:1px!important;height:1px!important;overflow:hidden!important;opacity:0!important;pointer-events:none!important}.calculator{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)}.result{background:#082747;color:#fff;border-radius:18px;padding:22px;margin-top:16px}.result strong{font-size:1.7rem;color:#fff}.kicker{font-weight:900;color:var(--gold);text-transform:uppercase;letter-spacing:.08em;font-size:.78rem}.site-footer{background:#06162b;color:#d8e5f3;padding:46px 0 22px}.site-footer a{color:#fff;text-decoration:none;display:block;margin:8px 0}.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:28px}.site-footer h3{color:#fff;margin:0 0 12px}.footnote{border-top:1px solid rgba(255,255,255,.15);margin-top:34px;padding-top:16px;display:flex;gap:18px;flex-wrap:wrap;color:#9fb2c6}.footnote a{margin:0}.mini-hero{background:linear-gradient(135deg,#0b2e59,#0f4f8f);color:#fff;padding:54px 0}.mini-hero h1{font-size:clamp(2.1rem,4vw,4rem);line-height:1.05;margin:10px 0}.mini-hero p{font-size:1.15rem;color:#e5eef8;max-width:860px}.notice{border-left:5px solid var(--gold);background:#fff8e9;padding:18px 20px;border-radius:16px}.pill-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}.pill{background:#eef5fb;border:1px solid var(--line);border-radius:999px;padding:8px 12px;font-weight:800;color:var(--blue)}@media (max-width:900px){.menu-toggle{display:inline-flex}.main-nav{display:none;position:absolute;left:4vw;right:4vw;top:70px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:12px;box-shadow:var(--shadow)}.nav-open .main-nav{display:grid}.hero-grid,.grid.cards,.grid.two,.grid.four,.split,.cta-band,.footer-grid{grid-template-columns:1fr}.metric-row{grid-template-columns:1fr}.hero .container{padding:54px 0 40px}.section{padding:44px 0}.section-head{display:block}}@media print{.site-header,.site-footer,.actions{display:none}.hero,.mini-hero{background:#fff;color:#000}.hero p,.mini-hero p{color:#333}.card,.calculator{box-shadow:none}}