*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:#1d2533;background:#f6f8fb;padding-bottom:64px}
a{color:#0f4fa8}.wrap{max-width:1180px;margin:0 auto;padding:0 20px}h1,h2,h3{line-height:1.2;color:#0b1b33}h1{font-size:clamp(28px,4.4vw,46px);margin:.2em 0 .4em}h2{font-size:clamp(23px,3vw,30px);margin:1.6em 0 .5em}
.top{background:#13294b;color:#fff;position:sticky;top:0;z-index:20;box-shadow:0 2px 10px #0003}.bar{display:flex;align-items:center;justify-content:space-between;gap:12px;padding-top:10px;padding-bottom:10px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-size:15px;line-height:1.1}.brand b{display:block;font-size:19px}
.top nav ul{list-style:none;margin:0;padding:0 0 10px;display:flex;flex-wrap:wrap;gap:4px 18px;font-size:14.5px}.top nav a{color:#cfe0f5;text-decoration:none}.top nav a:hover,.top nav a[aria-current]{color:#fff;text-decoration:underline}
.btn{display:inline-flex;align-items:center;gap:8px;border:0;border-radius:10px;padding:12px 18px;font-weight:700;text-decoration:none;cursor:pointer;font-size:17px}.btn-call{background:#f26b1d;color:#fff}.btn-call:hover{background:#d95910}.btn.big{font-size:clamp(20px,2.6vw,26px);padding:16px 26px;box-shadow:0 6px 18px #f26b1d55}
.hero{background:linear-gradient(160deg,#13294b,#1e3f73);color:#fff;padding:36px 0 46px}.hero h1{color:#fff}.hero-grid{display:grid;grid-template-columns:1.25fr 1fr;gap:34px;align-items:start}.kicker{text-transform:uppercase;letter-spacing:.08em;font-size:13px;color:#ffb487;margin:0}.lede{font-size:19px;color:inherit;opacity:.95}
.ticks{list-style:none;padding:0;margin:18px 0}.ticks li:before{content:"\2713";color:#ffb487;margin-right:8px;font-weight:700}.hero-art{width:100%;max-width:420px;display:block;margin-top:8px}
.quote-card{background:#fff;color:#1d2533;border-radius:16px;padding:22px;box-shadow:0 10px 30px #0b1b3333}.quote-card h2{margin-top:0;font-size:24px}.qform{display:grid;gap:10px}.qform label{display:grid;gap:4px;font-size:14.5px;font-weight:600}.qform input,.qform select{font:inherit;padding:10px;border:1px solid #b8c4d6;border-radius:8px;background:#fff}.qform button{justify-content:center}.fine,.small{font-size:13.5px;color:#55607a}
.stat-strip{background:#fff;border-bottom:1px solid #e1e7f0}.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;padding-top:22px;padding-bottom:22px}.stats b{display:block;font-size:30px;color:#f26b1d}.stats span{font-size:14.5px;color:#44506a}
.block{padding:20px 20px 10px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.card{background:#fff;border:1px solid #e1e7f0;border-radius:14px;padding:18px;text-decoration:none;color:inherit;transition:transform .15s}.card:hover{transform:translateY(-3px);border-color:#f26b1d}.card h3{margin:0 0 6px}.card span{color:#0f4fa8;font-weight:600}
.split{display:grid;grid-template-columns:1fr 1fr;gap:30px}.steps{background:#fff;border-radius:14px;padding:4px 22px 22px;border:1px solid #e1e7f0}
details{background:#fff;border:1px solid #e1e7f0;border-radius:10px;padding:12px 16px;margin:8px 0}summary{font-weight:700;cursor:pointer}
.page-hero{background:linear-gradient(160deg,#13294b,#1e3f73);color:#fff;padding:30px 0 34px}.page-hero h1{color:#fff;max-width:900px}.page-hero .lede{max-width:800px}
.two{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:36px;padding-top:24px;padding-bottom:30px}.prose{background:#fff;border-radius:14px;padding:6px 30px 26px;border:1px solid #e1e7f0}.prose h2{font-size:25px}.side{display:grid;gap:16px;align-content:start;position:sticky;top:120px}.side-box{background:#fff;border:1px solid #e1e7f0;border-radius:14px;padding:14px 18px}
.cta-band{display:flex;align-items:center;justify-content:space-between;gap:14px;background:#fff4ec;border-left:5px solid #f26b1d;border-radius:10px;padding:14px 16px;margin:24px 0}.cta-band span{display:block;font-size:15px;color:#55607a}
.note{background:#eef4fb;border-radius:10px;padding:12px 16px;font-size:15.5px;margin:16px 0}table{border-collapse:collapse;width:100%;font-size:15px}td,th{border:1px solid #d6deea;padding:8px;text-align:left}
.foot{background:#0b1b33;color:#cfd8e6;margin-top:30px;padding:30px 0 10px;font-size:15px}.foot a{color:#fff}.foot .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}.foot ul{list-style:none;padding:0}.fbrand{font-size:20px;font-weight:700;color:#fff}.fh{font-weight:700;color:#0b1b33;margin:.3em 0}.foot .fh{color:#fff}.legal{font-size:13px;opacity:.8;border-top:1px solid #ffffff22;padding-top:12px}
.mobile-call{display:none}
@media (max-width:900px){.hero-grid,.split,.two,.foot .cols{grid-template-columns:1fr}.cards{grid-template-columns:1fr 1fr}.side{position:static}.top nav{display:none}.hero-art{max-width:300px;margin:auto}}
@media (max-width:640px){body{font-size:16.5px}.cards,.stats{grid-template-columns:1fr}.head-call span{display:none}.head-call{padding:10px}.prose{padding:2px 18px 18px}.cta-band{flex-direction:column;align-items:flex-start}
.mobile-call{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:50;align-items:center;justify-content:center;gap:10px;background:#f26b1d;color:#fff;font-size:18px;text-decoration:none;padding:15px;box-shadow:0 -4px 14px #0004}}
@media (min-width:641px){body{padding-bottom:0}}
.btn,.mobile-call span{white-space:nowrap}@media (max-width:640px){.btn.big{font-size:19px;padding:14px 20px}}