:root{--navy:#1d3a5f;--deep:#152d49;--slate:#28323b;--sky:#cfe6f0;--soft:#e7f2f7;--steel:#647686;--ink:#1b2832;--white:#fff;--line:rgba(29,58,95,.14);--gold:#c8a05a;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.65;background:#fff}h1,h2,h3{font-family:Arial,Helvetica,sans-serif;line-height:1.08;color:var(--navy)}h1{font-size:clamp(2.5rem,6vw,4.7rem);margin:.2em 0}h2{font-size:clamp(2rem,4vw,3rem)}h3{font-size:1.4rem}a{color:inherit}.wrap{max-width:var(--max);margin:auto;padding:0 24px}.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;background:#fff;padding:10px;z-index:99}.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line)}.nav{height:76px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{font-weight:800;text-decoration:none;color:var(--navy);letter-spacing:.02em}.brand small{display:block;color:var(--steel);font-size:.7rem}.links{display:flex;gap:20px;align-items:center}.links a{text-decoration:none;font-weight:700;font-size:.9rem}.menu{display:none;border:0;background:var(--navy);color:#fff;padding:10px 12px;border-radius:8px}.btn{display:inline-block;text-decoration:none;border-radius:999px;padding:.85em 1.4em;font-weight:800;border:2px solid var(--navy)}.primary{background:var(--navy);color:#fff}.light{background:var(--sky);color:var(--navy);border-color:var(--sky)}.ghost{color:var(--navy)}.hero{background:linear-gradient(135deg,var(--deep),var(--navy));color:#fff;padding:96px 0}.hero h1{color:#fff;max-width:900px}.hero p{font-size:1.18rem;max-width:760px;color:rgba(255,255,255,.86)}.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-weight:800;font-size:.78rem;color:var(--sky)}.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}.section{padding:88px 0}.soft{background:var(--soft)}.dark{background:var(--slate);color:#fff}.dark h2,.dark h3{color:#fff}.grid{display:grid;gap:24px}.grid2{grid-template-columns:repeat(2,1fr)}.grid3{grid-template-columns:repeat(3,1fr)}.grid4{grid-template-columns:repeat(4,1fr)}.card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:30px;box-shadow:0 15px 40px -35px #000}.dark .card{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.14)}.dark .card h3{color:var(--sky)}.card ul{padding-left:20px}.kpi{font-size:2.6rem;font-weight:900;color:var(--sky)}.breadcrumbs{font-size:.88rem;margin-bottom:24px}.breadcrumbs a{color:var(--sky)}.faq details{background:#fff;border:1px solid var(--line);padding:18px 20px;border-radius:14px;margin-bottom:12px}.faq summary{font-weight:800;color:var(--navy);cursor:pointer}.cta{background:var(--sky);text-align:center}.footer{background:var(--deep);color:rgba(255,255,255,.78);padding:54px 0}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.footer a{color:#fff}.pill{display:inline-block;background:var(--soft);color:var(--navy);padding:6px 10px;border-radius:999px;font-size:.82rem;font-weight:700;margin:3px}.toc{border-left:4px solid var(--sky);padding:16px 22px;background:var(--soft)}.toc a{display:inline-block;margin:4px 10px 4px 0}.note{font-size:.9rem;color:var(--steel)}
@media(max-width:900px){.grid4,.grid3,.grid2,.footer-grid{grid-template-columns:1fr}.menu{display:block}.links{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:20px 24px;border-bottom:1px solid var(--line)}.links.open{display:flex}.links .btn{text-align:center}.section{padding:64px 0}.hero{padding:72px 0}}