:root{--navy:#071d31;--navy2:#0a3858;--blue:#0878bd;--cyan:#0b9be8;--gold:#f5b91d;--green:#16a05a;--ink:#172634;--muted:#657787;--bg:#f4f8fb;--line:#dfe8ee;--white:#fff;--shadow:0 18px 50px rgba(7,29,49,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.78;background:#fff}a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}img{max-width:100%;display:block}.wrap{width:min(1180px,92%);margin:auto}
.top{background:var(--navy);color:#d9e7ef;font-size:12px;padding:8px 0}.top .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.97);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}.nav{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{font-size:22px;font-weight:950;letter-spacing:-.8px;color:var(--navy)}.brand small{display:block;font-size:9px;letter-spacing:1px;color:var(--muted);font-weight:800}.menu{display:flex;align-items:center;gap:15px;list-style:none;margin:0;padding:0}.menu a{font-size:13px;font-weight:850;color:#243b4c}.btn{display:inline-block;padding:13px 20px;border-radius:10px;font-weight:900}.btn:hover{text-decoration:none;transform:translateY(-1px)}.gold{background:var(--gold);color:var(--navy)}.green{background:var(--green);color:#fff}.white{background:#fff;color:var(--navy)}.blue{background:var(--blue);color:#fff}
.hero-copy{padding:58px 0 68px;color:#fff;background:radial-gradient(circle at 80% 20%,#12628f 0,#0a3858 38%,#061a2c 100%)}.hero-copy h1{font-size:clamp(40px,5vw,62px);line-height:1.08;letter-spacing:-1.9px;margin:14px 0}.hero-copy p{font-size:18px;max-width:850px;color:#e2eef4}.eyebrow{display:inline-block;padding:6px 12px;border:1px solid #ffffff38;background:#ffffff10;border-radius:999px;font-size:11px;letter-spacing:.9px;font-weight:900}.cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:25px}
.section{padding:74px 0}.alt{background:var(--bg)}.title{max-width:850px;margin:0 auto 42px;text-align:center}.title h2{font-size:36px;line-height:1.25;color:var(--navy);margin:0 0 12px}.title p{color:var(--muted)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{background:#fff;border:1px solid var(--line);border-radius:17px;padding:21px;box-shadow:0 7px 25px rgba(7,29,49,.05)}.card img{width:100%;height:175px;object-fit:cover;border-radius:11px;margin-bottom:15px}.card h3{margin:0 0 7px;color:var(--navy);font-size:20px}.card p{font-size:14px;color:var(--muted)}
.feature{display:grid;grid-template-columns:1fr 1fr;gap:35px;align-items:center}.feature img{width:100%;border-radius:20px;border:1px solid var(--line);box-shadow:var(--shadow)}.check{list-style:none;padding:0}.check li{padding:8px 0 8px 28px;position:relative}.check li:before{content:"✓";position:absolute;left:0;color:var(--green);font-weight:950}
.content{max-width:920px;margin:auto}.content h2{font-size:31px;line-height:1.28;color:var(--navy);margin:48px 0 15px}.content h3{font-size:21px;color:var(--blue);margin:29px 0 8px}.content p{margin:0 0 18px}.content li{margin:5px 0}.content img{border-radius:18px;margin:24px auto;box-shadow:var(--shadow)}
.toc{background:#fff;border:1px solid var(--line);border-radius:16px;padding:25px;box-shadow:var(--shadow);margin-bottom:45px}.toc strong{color:var(--navy);font-size:18px}.toc ol{columns:2;margin:12px 0 0;padding-left:25px}.callout{background:#eef7fd;border-left:5px solid var(--blue);padding:21px;border-radius:9px;margin:26px 0}.badge{display:inline-block;background:#eaf6fd;color:var(--blue);border-radius:99px;padding:5px 10px;font-size:11px;font-weight:900}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.step{text-align:center}.num{width:48px;height:48px;margin:auto;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:900}.areas{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.area{padding:16px;background:#fff;border:1px solid var(--line);border-radius:12px;text-align:center;font-weight:850;color:var(--navy)}
.faq{border-bottom:1px solid var(--line);padding:19px 0}.faq h3{margin:0 0 6px;color:var(--navy)}.related{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}.related a{display:block;background:#fff;border:1px solid var(--line);padding:18px;border-radius:12px;font-weight:850}
.final{background:linear-gradient(120deg,#061a2c,#0b6598);color:#fff;text-align:center;padding:82px 0}.final h2{font-size:40px;line-height:1.2;margin:0 0 12px}.final p{max-width:760px;margin:0 auto 25px;color:#e2eef4}.footer{background:#061a2c;color:#cbd8e0;padding:48px 0 95px}.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:35px}.footer h3{color:#fff}.footer a{color:#d8edf8}.float{position:fixed;right:18px;bottom:18px;z-index:200;background:var(--green);color:#fff;padding:14px 20px;border-radius:999px;font-weight:950;box-shadow:0 9px 30px #0005}.meta{font-size:13px;color:var(--muted);margin-bottom:20px}.hero-photo{width:100%;max-height:610px;object-fit:cover}
@media(max-width:950px){.menu{display:none}.cards,.feature,.footer-grid{grid-template-columns:1fr 1fr}.steps{grid-template-columns:1fr 1fr}.areas{grid-template-columns:1fr 1fr}.related{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.section{padding:54px 0}.cards,.feature,.steps,.areas,.related{grid-template-columns:1fr}.toc ol{columns:1}.hero-copy h1{font-size:40px}.hero-copy p{font-size:16px}.top .wrap{display:block}}