:root{--navy:#0b3157;--navy2:#0e4b7c;--teal:#1c9c8c;--orange:#f2a23a;--ink:#15283b;--muted:#66798d;--line:#dbe5ec;--bg:#f6f9fb;--white:#fff;--green:#2a9b67;--shadow:0 14px 40px rgba(11,49,87,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65}img{max-width:100%;display:block}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}.container{width:min(1180px,calc(100% - 36px));margin:auto}
.topbar{background:var(--navy);color:#eaf3f8;font-size:.82rem}.topbar .container{display:flex;justify-content:space-between;gap:18px;padding:8px 0}.topbar span{opacity:.95}.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}.head-main{display:grid;grid-template-columns:300px minmax(260px,1fr) auto;gap:28px;align-items:center;padding:15px 0}.logo img{width:300px;height:auto}.searchbar{display:flex;border:1px solid #cfdce6;border-radius:10px;overflow:hidden;background:#fff}.searchbar input{border:0;outline:0;width:100%;padding:12px 15px}.searchbar button{border:0;background:var(--navy2);color:#fff;font-weight:700;padding:0 22px;cursor:pointer}.head-links{display:flex;gap:16px;font-size:.9rem;color:var(--navy)}
.nav{border-top:1px solid #edf2f5}.nav-inner{display:flex;align-items:center;gap:6px}.nav a{padding:14px 14px;font-size:.92rem;font-weight:700;color:var(--navy);border-bottom:3px solid transparent}.nav a:hover,.nav a.active{border-color:var(--teal);color:var(--teal)}.nav .cta{margin-left:auto;background:var(--orange);color:#17314a;border:0;border-radius:8px;padding:10px 15px}.menu-btn{display:none;background:var(--navy);color:#fff;border:0;border-radius:8px;padding:10px 13px}
.hero{background:linear-gradient(90deg,#f4f9fc 0%,#edf7f8 44%,#fff 72%);overflow:hidden;border-bottom:1px solid var(--line)}.hero-grid{display:grid;grid-template-columns:1.03fr .97fr;min-height:540px;align-items:stretch}.hero-copy{padding:68px 55px 56px 0;align-self:center}.eyebrow{font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;color:var(--teal);font-weight:900}.hero h1,.page-hero h1{font-family:Georgia,'Times New Roman',serif;color:var(--navy);font-size:clamp(2.4rem,4.5vw,4.35rem);line-height:1.03;margin:.4rem 0 1.2rem}.hero p{font-size:1.12rem;max-width:690px;color:#445b70}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin:27px 0}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 20px;border-radius:8px;font-weight:800;border:1px solid var(--navy);transition:.2s}.btn.primary{background:var(--navy);color:#fff}.btn.secondary{background:#fff;color:var(--navy)}.btn.orange{background:var(--orange);border-color:var(--orange);color:#1b344a}.btn:hover{transform:translateY(-2px);box-shadow:0 8px 20px rgba(11,49,87,.14)}.checks{display:flex;flex-wrap:wrap;gap:12px 22px;font-size:.9rem;color:#455d72}.checks span:before{content:'✓';color:var(--green);font-weight:900;margin-right:7px}.hero-media{position:relative;min-height:540px}.hero-media img{width:100%;height:100%;object-fit:cover}.hero-note{position:absolute;left:24px;bottom:24px;background:rgba(255,255,255,.94);padding:18px 20px;border-radius:12px;max-width:315px;box-shadow:var(--shadow);border-left:4px solid var(--teal)}.hero-note strong{display:block;color:var(--navy);font-size:1.05rem}
.quick{background:#fff;border-bottom:1px solid var(--line)}.quick-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line)}.quick a{background:#fff;padding:22px;display:flex;gap:13px;align-items:center}.quick .icon{width:42px;height:42px;border-radius:50%;background:#e8f6f3;color:var(--teal);display:grid;place-items:center;font-weight:900;font-size:1.2rem}.quick strong{display:block;color:var(--navy)}.quick small{color:var(--muted)}
.section{padding:70px 0}.section.alt{background:var(--bg)}.section-head{display:flex;justify-content:space-between;align-items:end;gap:24px;margin-bottom:26px}.section-head h2,.content h2{font-family:Georgia,'Times New Roman',serif;color:var(--navy);font-size:clamp(1.8rem,3vw,2.65rem);line-height:1.15;margin:0}.section-head p{max-width:720px;color:var(--muted);margin:.6rem 0 0}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card{background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;box-shadow:0 8px 22px rgba(11,49,87,.05);transition:.23s}.card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.card img{height:210px;width:100%;object-fit:cover}.card-body{padding:22px}.card .tag{font-size:.75rem;color:var(--teal);font-weight:900;letter-spacing:.08em;text-transform:uppercase}.card h3{font-family:Georgia,'Times New Roman',serif;color:var(--navy);font-size:1.4rem;line-height:1.22;margin:.45rem 0}.card p{color:var(--muted);margin:0 0 14px}.textlink{color:var(--navy2);font-weight:800}.textlink:hover{color:var(--teal)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}.split img{width:100%;height:430px;object-fit:cover;border-radius:14px;box-shadow:var(--shadow)}.content p{color:#4d6276}.content ul{padding-left:20px}.content li{margin:.55rem 0}.note{background:#eef8f6;border-left:4px solid var(--teal);padding:18px 20px;border-radius:8px;color:#34596a}.disclaimer{background:#fff8e8;border-left:4px solid var(--orange);padding:15px 18px;border-radius:8px;font-size:.92rem}.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.stat{background:#fff;border:1px solid var(--line);padding:22px;border-radius:12px;text-align:center}.stat strong{display:block;color:var(--navy);font-size:2rem}.stat span{color:var(--muted);font-size:.9rem}
.page-hero{background:linear-gradient(135deg,#eef7fb,#f8fbfd);border-bottom:1px solid var(--line);padding:62px 0}.page-hero .grid{display:grid;grid-template-columns:1.15fr .85fr;gap:46px;align-items:center}.page-hero p{font-size:1.06rem;color:#50677b;max-width:760px}.page-hero img{height:340px;width:100%;object-fit:cover;border-radius:14px;box-shadow:var(--shadow)}.breadcrumbs{font-size:.83rem;color:#72859a;margin-bottom:16px}.breadcrumbs a{color:var(--navy2)}
.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:48px}.article-body{max-width:790px}.article-body h2{font-family:Georgia,serif;font-size:2rem;color:var(--navy);margin-top:2.2rem}.article-body h3{color:var(--navy);font-size:1.3rem;margin-top:1.8rem}.article-body p,.article-body li{font-size:1.02rem}.toc{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:20px;margin:20px 0}.toc strong{color:var(--navy)}.toc a{display:block;color:var(--navy2);padding:4px 0}.sidebar{position:sticky;top:150px;align-self:start}.sidebox{border:1px solid var(--line);border-radius:12px;padding:20px;margin-bottom:18px;background:#fff}.sidebox h3{margin-top:0;color:var(--navy)}.sidebox a{display:block;border-top:1px solid #edf2f5;padding:10px 0;color:var(--navy2);font-weight:700}.sidebox a:first-of-type{border-top:0}
.faq{border-top:1px solid var(--line)}.faq-item{border-bottom:1px solid var(--line)}.faq-q{width:100%;background:none;border:0;text-align:left;padding:18px 0;font-weight:800;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between}.faq-a{display:none;padding:0 0 18px;color:#50677b}.faq-item.open .faq-a{display:block}.faq-item.open .faq-q span{transform:rotate(45deg)}
.group-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.group-card{padding:22px;border:1px solid var(--line);border-radius:12px;background:#fff}.group-card strong{font-size:1.3rem;color:var(--navy);display:block}.group-card p{color:var(--muted);font-size:.94rem}
.cta-band{background:var(--navy);color:#fff;padding:48px 0}.cta-band .container{display:flex;justify-content:space-between;align-items:center;gap:24px}.cta-band h2{font-family:Georgia,serif;font-size:2rem;margin:0}.cta-band p{opacity:.85;margin:.4rem 0 0}.footer{background:#092844;color:#dbe8f1;padding:52px 0 25px}.footer-grid{display:grid;grid-template-columns:1.2fr repeat(3,1fr);gap:30px}.footer h3{color:#fff;font-size:1rem}.footer a{display:block;color:#c5d6e3;padding:4px 0;font-size:.92rem}.footer p{color:#c5d6e3;font-size:.9rem}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding-top:18px;margin-top:28px;font-size:.8rem;color:#9fb5c6}.footer .brand img{width:260px;filter:brightness(0) invert(1)}
.reveal{opacity:0;transform:translateY(18px);transition:.55s ease}.reveal.visible{opacity:1;transform:none}.progress{position:fixed;top:0;left:0;height:3px;background:var(--teal);width:0;z-index:100}
@media(max-width:980px){.head-main{grid-template-columns:1fr auto}.searchbar{grid-column:1/-1;order:3}.head-links{display:none}.menu-btn{display:block}.nav{display:none}.nav.open{display:block}.nav-inner{display:flex;flex-direction:column;align-items:stretch;padding:10px 0}.nav a{border:0}.nav .cta{margin:0}.hero-grid,.page-hero .grid,.split,.article-grid{grid-template-columns:1fr}.hero-copy{padding:48px 0}.hero-media{min-height:360px}.page-hero img{height:300px}.sidebar{position:static}.cards{grid-template-columns:repeat(2,1fr)}.quick-grid{grid-template-columns:repeat(2,1fr)}.stats{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr 1fr}.group-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.container{width:min(100% - 24px,1180px)}.topbar .container{display:block;text-align:center}.head-main{grid-template-columns:1fr auto;gap:12px}.logo img{width:235px}.cards,.quick-grid,.group-grid,.stats,.footer-grid{grid-template-columns:1fr}.hero h1,.page-hero h1{font-size:2.4rem}.hero-actions{flex-direction:column;align-items:stretch}.section{padding:52px 0}.section-head{display:block}.cta-band .container{display:block}.cta-band .btn{margin-top:18px}.split img{height:300px}}