:root {
  --ink: #0b1220;
  --muted: #586478;
  --paper: #ffffff;
  --mist: #f3f6fa;
  --line: #dfe6ef;
  --brand: #0d5bd7;
  --brand-dark: #083d96;
  --accent: #ffb423;
  --success: #0c8060;
  --radius: 18px;
  --shadow: 0 18px 55px rgba(11, 18, 32, .09);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;color:var(--ink);background:var(--paper);font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;font-size:16px;line-height:1.7;-webkit-font-smoothing:antialiased}
a{color:var(--brand);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--brand-dark)}
img,svg{max-width:100%}
button,input,select,textarea{font:inherit}
.skip{position:absolute;left:-9999px;top:0}.skip:focus{left:1rem;top:1rem;z-index:99;background:#fff;padding:.75rem 1rem;border-radius:10px}
.container{width:min(1160px,calc(100% - 40px));margin-inline:auto}
.narrow{width:min(800px,100%)}
.topbar{background:var(--ink);color:#d9e3f1;font-size:.88rem}.topbar .container{display:flex;justify-content:space-between;align-items:center;min-height:36px;gap:1rem}.topbar a{color:#fff;text-decoration:none}.topbar strong{color:var(--accent)}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);border-bottom:1px solid rgba(223,230,239,.9);backdrop-filter:blur(14px)}
.header-row{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:inline-flex;align-items:center;gap:11px;color:var(--ink);text-decoration:none;font-weight:850;letter-spacing:-.03em}.brand-mark{display:grid;place-items:center;width:38px;height:38px;border-radius:12px;color:#fff;background:linear-gradient(145deg,var(--brand),#092e73);box-shadow:inset 0 0 0 1px rgba(255,255,255,.22)}.brand-mark svg{width:21px}.brand span:last-child{font-size:1.02rem}
.nav{display:flex;align-items:center;gap:5px}.nav>a,.nav button{border:0;background:transparent;color:#263246;text-decoration:none;padding:.7rem .72rem;border-radius:9px;font-weight:650;font-size:.93rem;cursor:pointer}.nav>a:hover,.nav button:hover{background:var(--mist);color:var(--brand)}
.nav-group{position:relative}.mega{display:none;position:absolute;top:calc(100% + 12px);left:50%;transform:translateX(-50%);width:660px;padding:18px;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);grid-template-columns:1fr 1fr;gap:7px}.nav-group.open .mega,.nav-group:focus-within .mega{display:grid}.mega a{display:block;padding:10px 12px;border-radius:10px;text-decoration:none;color:var(--ink)}.mega a:hover{background:var(--mist);color:var(--brand)}.mega small{display:block;color:var(--muted);font-weight:450;line-height:1.4;margin-top:2px}
.header-cta,.btn{display:inline-flex;align-items:center;justify-content:center;gap:.45rem;border-radius:11px;text-decoration:none;font-weight:760;transition:.18s ease}.header-cta{background:var(--brand);color:#fff!important;padding:.72rem 1rem}.header-cta:hover{background:var(--brand-dark)}
.menu-btn{display:none;border:1px solid var(--line);background:#fff;border-radius:10px;width:44px;height:44px;font-size:1.3rem}
.hero{position:relative;overflow:hidden;padding:76px 0 62px;background:linear-gradient(135deg,#f8fbff 0%,#eff5ff 55%,#fff8e7 100%);border-bottom:1px solid var(--line)}
.hero:after{content:"";position:absolute;width:500px;height:500px;border:95px solid rgba(13,91,215,.06);border-radius:50%;right:-190px;top:-240px}.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1.35fr) minmax(320px,.65fr);gap:54px;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:.5rem;color:var(--brand);font-size:.84rem;text-transform:uppercase;letter-spacing:.1em;font-weight:850;margin-bottom:16px}.eyebrow:before{content:"";width:22px;height:3px;border-radius:2px;background:var(--accent)}
h1,h2,h3{line-height:1.16;letter-spacing:-.035em;margin:0 0 .65em}h1{font-size:clamp(2.45rem,5vw,4.7rem);max-width:900px}h2{font-size:clamp(1.8rem,3.2vw,2.75rem)}h3{font-size:1.28rem}.lead{font-size:clamp(1.05rem,1.8vw,1.25rem);color:#425068;max-width:760px;margin:0 0 28px}.hero-actions{display:flex;flex-wrap:wrap;gap:12px}.btn{min-height:49px;padding:.78rem 1.1rem;border:1px solid transparent}.btn-primary{background:var(--brand);color:#fff}.btn-primary:hover{background:var(--brand-dark);color:#fff}.btn-secondary{border-color:#bdc9d8;color:var(--ink);background:#fff}.btn-secondary:hover{border-color:var(--brand);color:var(--brand)}
.proof-card{background:#0b1830;color:#fff;border-radius:24px;padding:27px;box-shadow:var(--shadow)}.proof-card h2{font-size:1.45rem}.proof-card p{color:#c9d6e7}.proof-list{list-style:none;padding:0;margin:20px 0 0}.proof-list li{display:grid;grid-template-columns:28px 1fr;gap:9px;padding:10px 0;border-top:1px solid rgba(255,255,255,.11)}.proof-list b{color:var(--accent)}
.hero-photo{position:relative;margin:0;border-radius:24px;overflow:hidden;background:#0b1830;box-shadow:var(--shadow);min-height:370px}.hero-photo img{display:block;width:100%;height:100%;min-height:370px;object-fit:cover}.hero-photo:after{content:"";position:absolute;inset:45% 0 0;background:linear-gradient(transparent,rgba(5,13,27,.88))}.hero-photo figcaption{position:absolute;z-index:1;left:24px;right:24px;bottom:22px;color:#fff}.hero-photo figcaption strong{display:block;color:var(--accent);font-size:.82rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:4px}.hero-photo figcaption span{display:block;font-weight:720;line-height:1.45;text-wrap:balance}.wide-photo{margin:30px 0;border-radius:20px;overflow:hidden;background:#dce5ef}.wide-photo img{display:block;width:100%;height:auto;aspect-ratio:1.7/1;object-fit:cover}.wide-photo figcaption{padding:12px 16px;background:#fff;border:1px solid var(--line);border-top:0;color:var(--muted);font-size:.9rem}
.breadcrumb{background:#f8fafc;border-bottom:1px solid var(--line);font-size:.88rem}.breadcrumb ol{display:flex;gap:.5rem;list-style:none;padding:12px 0;margin:0;overflow:auto;white-space:nowrap}.breadcrumb li:not(:last-child):after{content:"/";color:#9aa6b7;margin-left:.5rem}.breadcrumb a{color:#536176;text-decoration:none}
.section{padding:76px 0}.section-alt{background:var(--mist)}.section-dark{background:var(--ink);color:#fff}.section-dark p{color:#c7d2e3}.section-head{display:flex;justify-content:space-between;gap:32px;align-items:end;margin-bottom:34px}.section-head p{max-width:630px;color:var(--muted);margin:0}.section-dark .section-head p{color:#c7d2e3}
.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.grid-4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:25px;color:var(--ink)}.card:hover{box-shadow:0 13px 35px rgba(11,18,32,.07);border-color:#c7d5e8}.card p{color:var(--muted);margin:.4rem 0 0}.card-link{display:flex;flex-direction:column;color:inherit;text-decoration:none}.card-link .arrow{color:var(--brand);font-weight:800;margin-top:auto;padding-top:16px}.kicker{font-weight:800;color:var(--brand);font-size:.82rem;text-transform:uppercase;letter-spacing:.08em}.icon{display:grid;place-items:center;width:45px;height:45px;border-radius:13px;background:#edf4ff;color:var(--brand);margin-bottom:17px;font-weight:900}.icon svg{width:23px;height:23px}
.feature-list{display:grid;gap:13px;list-style:none;padding:0;margin:20px 0}.feature-list li{position:relative;padding-left:28px}.feature-list li:before{content:"✓";position:absolute;left:0;top:1px;color:var(--success);font-weight:900}
.steps{counter-reset:step;display:grid;gap:16px}.step{counter-increment:step;display:grid;grid-template-columns:54px 1fr;gap:17px;padding:22px;border:1px solid var(--line);border-radius:16px;background:#fff}.step:before{content:counter(step,decimal-leading-zero);display:grid;place-items:center;width:50px;height:50px;background:var(--ink);color:var(--accent);border-radius:14px;font-weight:850}.step p{margin:0;color:var(--muted)}
.article-layout{display:grid;grid-template-columns:minmax(0,760px) 300px;gap:60px;align-items:start}.prose h2{margin-top:2.1em}.prose h3{margin-top:1.7em}.prose p,.prose li{color:#344157}.prose strong{color:var(--ink)}.prose table{border-collapse:collapse;width:100%;display:block;overflow:auto;margin:26px 0}.prose th,.prose td{text-align:left;padding:12px 14px;border:1px solid var(--line);min-width:150px}.prose th{background:var(--mist);color:var(--ink)}.quote{border-left:4px solid var(--accent);padding:18px 22px;background:#fff9e9;border-radius:0 12px 12px 0;margin:26px 0}.sidebar{position:sticky;top:104px}.side-card{border:1px solid var(--line);border-radius:16px;padding:20px;margin-bottom:16px}.side-card ul{list-style:none;margin:0;padding:0}.side-card li+li{border-top:1px solid var(--line)}.side-card a{display:block;padding:9px 0;text-decoration:none;font-weight:650}
.faq{display:grid;gap:12px}.faq details{border:1px solid var(--line);border-radius:14px;background:#fff;padding:0 19px}.faq summary{cursor:pointer;font-weight:760;padding:18px 34px 18px 0;position:relative;list-style:none}.faq summary:after{content:"+";position:absolute;right:0;font-size:1.4rem;color:var(--brand)}.faq details[open] summary:after{content:"−"}.faq p{margin:0 0 18px;color:var(--muted)}
.cta{display:grid;grid-template-columns:1fr auto;gap:30px;align-items:center;background:linear-gradient(135deg,#0b1830,#0d438e);color:#fff;border-radius:24px;padding:38px}.cta h2{margin-bottom:8px}.cta p{color:#d3deed;margin:0;max-width:700px}.cta .btn{background:var(--accent);color:#161b24}
.calculator{display:grid;grid-template-columns:1fr 340px;gap:28px;align-items:start}.calc-panel,.calc-result{border:1px solid var(--line);border-radius:20px;padding:26px;background:#fff}.calc-field{margin-bottom:22px}.calc-field label{display:block;font-weight:780;margin-bottom:8px}.calc-options{display:grid;grid-template-columns:1fr 1fr;gap:9px}.check{display:flex;align-items:center;gap:9px;border:1px solid var(--line);border-radius:10px;padding:10px;cursor:pointer}.check:has(input:checked){border-color:var(--brand);background:#f2f7ff}.calc-result{position:sticky;top:104px;background:var(--ink);color:#fff}.calc-result small,.calc-result p{color:#c8d4e5}.result-band{font-size:1.75rem;font-weight:900;color:var(--accent);margin:7px 0}.range{width:100%;accent-color:var(--brand)}
.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:34px}.contact-form{border:1px solid var(--line);border-radius:20px;padding:26px;background:#fff}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}.field{margin-bottom:15px}.field label{display:block;font-weight:700;margin-bottom:6px}.field input,.field select,.field textarea{width:100%;border:1px solid #c7d1df;border-radius:10px;padding:12px;background:#fff}.field textarea{min-height:130px;resize:vertical}.field input:focus,.field textarea:focus,.field select:focus{outline:3px solid rgba(13,91,215,.15);border-color:var(--brand)}
.cluster-nav{display:flex;gap:9px;flex-wrap:wrap;margin:22px 0}.cluster-nav a{padding:7px 10px;border:1px solid var(--line);border-radius:999px;text-decoration:none;background:#fff;font-weight:650;font-size:.9rem}
.notice{padding:13px 15px;background:#eef6ff;border-left:4px solid var(--brand);border-radius:0 10px 10px 0;color:#30445f}.tag{display:inline-block;border-radius:999px;padding:.35rem .7rem;background:#eaf2ff;color:var(--brand);font-weight:750;font-size:.83rem}
.site-footer{background:#08111f;color:#d0d9e7;padding:58px 0 22px}.footer-grid{display:grid;grid-template-columns:1.35fr repeat(3,1fr);gap:36px}.site-footer h2,.site-footer h3{color:#fff;font-size:1rem}.site-footer ul{list-style:none;margin:0;padding:0}.site-footer li{margin:8px 0}.site-footer a{color:#c7d5e6;text-decoration:none}.site-footer a:hover{color:#fff}.footer-brand{font-size:1.25rem;color:#fff;font-weight:850}.fineprint{display:flex;justify-content:space-between;gap:16px;border-top:1px solid rgba(255,255,255,.12);margin-top:38px;padding-top:20px;font-size:.84rem;color:#99a9bd}
.floating-contact{position:fixed;right:18px;bottom:18px;z-index:40;display:flex;align-items:center;gap:9px;background:#087f5b;color:#fff!important;text-decoration:none;padding:12px 16px;border-radius:999px;font-weight:800;box-shadow:0 10px 30px rgba(8,127,91,.28)}
.not-found{min-height:72vh;display:grid;place-items:center;text-align:center;padding:50px}.not-found strong{display:block;font-size:6rem;line-height:1;color:var(--brand)}
@media(max-width:980px){.nav{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;padding:16px 20px;border-bottom:1px solid var(--line);box-shadow:var(--shadow);align-items:stretch;flex-direction:column}.nav.open{display:flex}.nav>a,.nav button{text-align:left}.menu-btn{display:block}.header-row>.header-cta{display:none}.mega{position:static;transform:none;width:auto;box-shadow:none;margin-top:5px;grid-template-columns:1fr}.hero-grid,.article-layout,.calculator,.contact-grid{grid-template-columns:1fr}.proof-card{max-width:640px}.sidebar,.calc-result{position:static}.grid-4{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:680px){.container{width:min(100% - 28px,1160px)}.topbar .container{justify-content:center}.topbar span:first-child{display:none}.hero{padding:52px 0 44px}h1{font-size:2.55rem}.section{padding:55px 0}.grid-2,.grid-3,.grid-4,.form-row{grid-template-columns:1fr}.section-head{display:block}.section-head p{margin-top:10px}.cta{grid-template-columns:1fr;padding:28px}.footer-grid{grid-template-columns:1fr}.fineprint{flex-direction:column}.floating-contact{font-size:0;width:52px;height:52px;padding:0;justify-content:center}.floating-contact span{font-size:1.25rem}.calc-options{grid-template-columns:1fr}.step{grid-template-columns:46px 1fr;padding:18px}.step:before{width:44px;height:44px}.hero-photo,.hero-photo img{min-height:300px}.hero-photo figcaption{left:18px;right:18px;bottom:17px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}