:root{--navy:#081c35;--navy2:#0d2b4d;--blue:#154d82;--gold:#c7a54a;--gold2:#e0c775;--ink:#182435;--muted:#647287;--bg:#f5f7fa;--line:#dfe5ec;--green:#1d6b4b;--red:#a63c36;--white:#fff;--shadow:0 18px 55px rgba(8,28,53,.10);--r:18px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:#fff;font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;line-height:1.65}a{color:inherit}.wrap{width:min(1160px,calc(100% - 36px));margin:auto}.top{background:var(--navy);color:#fff;border-bottom:1px solid rgba(255,255,255,.1);position:sticky;top:0;z-index:40}.topin{min-height:76px;display:flex;align-items:center;gap:28px}.brand img{display:block;width:250px;max-width:42vw;height:auto}.nav{margin-left:auto;display:flex;gap:20px;align-items:center;font-size:14px}.nav a{text-decoration:none;color:rgba(255,255,255,.82)}.nav a:hover{color:#fff}.nav .calc{padding:10px 14px;border:1px solid var(--gold);border-radius:999px;color:#fff;background:rgba(199,165,74,.08)}
.hero{background:radial-gradient(circle at 88% 10%,rgba(199,165,74,.18),transparent 28%),linear-gradient(135deg,#07192f,#0c315a);color:#fff;padding:82px 0 70px}.crumb{font-size:13px;color:rgba(255,255,255,.63);margin-bottom:24px}.crumb a{text-decoration:none}.hero-grid{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:48px;align-items:start}.hero-grid>div:first-child{min-width:0;padding-right:6px}.eyebrow{font-size:12px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;color:var(--gold2);margin-bottom:14px}.hero h1{font-family:Georgia,"Times New Roman",serif;font-size:clamp(34px,4.0vw,56px);line-height:1.04;letter-spacing:-.025em;margin:0 0 22px;hyphens:none;overflow-wrap:normal;word-break:normal;text-wrap:balance;max-width:none}.hero .lead{font-size:19px;line-height:1.65;color:rgba(255,255,255,.84);max-width:800px}.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}.btn{display:inline-flex;align-items:center;justify-content:center;text-decoration:none;font-weight:750;padding:13px 18px;border-radius:11px;transition:.18s}.btn-gold{background:var(--gold);color:#10213a}.btn-gold:hover{transform:translateY(-1px);background:var(--gold2)}.btn-ghost{border:1px solid rgba(255,255,255,.28);color:#fff;background:rgba(255,255,255,.04)}.trustcard{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:22px;padding:20px;backdrop-filter:blur(7px);max-width:360px;margin-left:auto}.portrait{width:100%;aspect-ratio:3/4;object-fit:cover;object-position:center center;border-radius:16px;margin-bottom:15px}.trustcard strong{font-size:18px}.trustcard small{display:block;color:rgba(255,255,255,.65);margin-top:4px}.trustpoints{display:grid;gap:9px;margin-top:15px;font-size:13px;color:rgba(255,255,255,.8)}
.band{border-bottom:1px solid var(--line);background:#fff}.bandin{display:grid;grid-template-columns:repeat(3,1fr);gap:0}.metric{padding:22px 28px;text-align:center;border-right:1px solid var(--line)}.metric:last-child{border-right:0}.metric b{display:block;color:var(--navy);font-size:18px}.metric span{font-size:13px;color:var(--muted)}
main{background:#fff}.section{padding:70px 0}.section.alt{background:var(--bg)}.kicker{color:var(--blue);font-weight:800;font-size:12px;text-transform:uppercase;letter-spacing:.1em}.section h2{font-family:Georgia,"Times New Roman",serif;color:var(--navy);font-size:clamp(30px,4vw,44px);line-height:1.15;margin:8px 0 18px}.section h3{color:var(--navy);font-size:21px;line-height:1.3;margin:0 0 10px}.intro{font-size:18px;color:#4f5e70;max-width:850px}.grid2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}.grid3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:25px;box-shadow:0 8px 25px rgba(8,28,53,.045)}.card p:last-child{margin-bottom:0}.topic{position:relative;text-decoration:none;display:block;min-height:210px}.topic .num{font-family:Georgia,serif;color:rgba(199,165,74,.7);font-size:36px;line-height:1}.topic .arrow{position:absolute;right:22px;bottom:20px;font-size:24px;color:var(--blue)}.topic:hover{border-color:#bac9d8;transform:translateY(-2px);box-shadow:var(--shadow)}
.tablewrap{overflow-x:auto;border:1px solid var(--line);border-radius:16px;background:#fff}.table{width:100%;border-collapse:collapse;min-width:620px}.table th,.table td{padding:16px 18px;text-align:left;border-bottom:1px solid var(--line)}.table th{background:#eef3f8;color:var(--navy);font-size:13px;text-transform:uppercase;letter-spacing:.06em}.table tr:last-child td{border-bottom:0}.old{color:var(--muted)}.new{font-weight:800;color:var(--red)}
.note{border-left:4px solid var(--gold);background:#fffaf0;border-radius:0 14px 14px 0;padding:18px 20px;margin:24px 0}.note strong{color:var(--navy)}.fact{border-left:4px solid var(--blue);background:#f1f6fb;border-radius:0 14px 14px 0;padding:18px 20px;margin:24px 0}.checklist{display:grid;gap:10px;padding:0;margin:22px 0;list-style:none}.checklist li{position:relative;padding-left:30px}.checklist li:before{content:"✓";position:absolute;left:0;top:0;color:var(--green);font-weight:900}.bad li:before{content:"!";color:var(--red)}
.cta{background:linear-gradient(135deg,#0a2646,#123e69);color:#fff;border-radius:26px;padding:38px;display:grid;grid-template-columns:1.4fr auto;gap:28px;align-items:center;box-shadow:var(--shadow)}.cta h2{color:#fff;margin:0 0 10px;font-size:34px}.cta p{margin:0;color:rgba(255,255,255,.78);max-width:710px}.cta .btn{white-space:nowrap}.micro{font-size:12px;color:var(--muted);margin-top:12px}.sources{font-size:13px;color:var(--muted)}.sources a{color:var(--blue)}
.faq{border-top:1px solid var(--line)}details{border-bottom:1px solid var(--line);padding:18px 0}summary{cursor:pointer;font-weight:750;color:var(--navy);font-size:17px}details p{color:#566679;max-width:900px}.related{display:flex;flex-wrap:wrap;gap:10px}.pill{border:1px solid var(--line);padding:9px 12px;border-radius:999px;text-decoration:none;font-size:13px;background:#fff}.pill:hover{border-color:#b1c1d1}
footer{background:#07182d;color:rgba(255,255,255,.72);padding:38px 0 26px}.footgrid{display:grid;grid-template-columns:1fr 1fr;gap:30px}.footlogo{width:230px;max-width:70%;height:auto;margin-bottom:14px}.footlinks{display:flex;flex-wrap:wrap;gap:14px;margin-top:12px}.footlinks a{color:#fff;text-decoration:none;font-size:13px}.legal{border-top:1px solid rgba(255,255,255,.1);margin-top:25px;padding-top:18px;font-size:12px;color:rgba(255,255,255,.52)}
@media(max-width:860px){.nav a:not(.calc){display:none}.hero{padding:58px 0}.hero-grid{grid-template-columns:1fr}.trustcard{max-width:460px;margin-left:0}.bandin{grid-template-columns:1fr}.metric{border-right:0;border-bottom:1px solid var(--line)}.metric:last-child{border-bottom:0}.grid2,.grid3{grid-template-columns:1fr}.cta{grid-template-columns:1fr}.footgrid{grid-template-columns:1fr}.brand img{width:210px;max-width:55vw}}
@media(max-width:520px){.wrap{width:min(100% - 24px,1160px)}.topin{min-height:68px}.nav{gap:8px}.nav .calc{font-size:12px;padding:8px 10px}.hero h1{font-size:39px}.hero .lead{font-size:17px}.section{padding:54px 0}.card{padding:20px}.cta{padding:27px 22px;border-radius:20px}}