:root{--navy:#071B34;--navy2:#102845;--ink:#152033;--muted:#637083;--gold:#D6A545;--bg:#F5F7FA;--white:#fff;--line:#E3E8EF;--card:#ffffff;--radius:22px;--shadow:0 24px 60px rgba(7,27,52,.10)}
*{box-sizing:border-box}body{margin:0;font-family:Inter,Montserrat,Arial,sans-serif;background:var(--bg);color:var(--ink);line-height:1.55}a{color:inherit;text-decoration:none}.container{width:min(1180px,calc(100% - 40px));margin:0 auto}.top{background:var(--navy);color:#DCE7F5;font-size:14px}.top .container{display:flex;justify-content:space-between;gap:20px;padding:10px 0}.header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:blur(16px);border-bottom:1px solid var(--line)}.nav{height:78px;display:flex;align-items:center;justify-content:space-between;gap:22px}.logo{display:flex;align-items:center;gap:12px;font-weight:900;letter-spacing:.02em}.mark{width:42px;height:42px;border-radius:14px;background:linear-gradient(135deg,var(--navy),var(--navy2));display:grid;place-items:center;color:var(--gold);font-weight:900}.menu{display:flex;align-items:center;gap:20px;font-weight:700;font-size:14px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;border:0;border-radius:999px;padding:13px 20px;background:var(--gold);color:#071B34;font-weight:900;box-shadow:0 14px 30px rgba(214,165,69,.24);cursor:pointer}.btn.dark{background:var(--navy);color:#fff;box-shadow:none}.btn.ghost{background:#fff;border:1px solid var(--line);box-shadow:none}.hero{background:radial-gradient(circle at 70% 20%,rgba(214,165,69,.25),transparent 28%),linear-gradient(135deg,#071B34 0%,#102845 60%,#071B34 100%);color:#fff;padding:86px 0 70px;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:44px;align-items:center}.eyebrow{display:inline-flex;align-items:center;gap:10px;padding:8px 12px;border:1px solid rgba(214,165,69,.35);border-radius:999px;color:#F7D88D;background:rgba(255,255,255,.06);font-size:13px;font-weight:800}.hero h1{font-size:clamp(38px,6vw,72px);line-height:.98;margin:18px 0 20px;letter-spacing:-.055em}.lead{font-size:20px;color:#DCE7F5;max-width:720px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.metrics{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:34px}.metric{padding:18px;border-radius:18px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.13)}.metric b{display:block;font-size:28px;color:#fff}.metric span{color:#B9C7D8;font-size:13px}.quote-form{background:#fff;color:var(--ink);border-radius:28px;padding:28px;box-shadow:var(--shadow)}.quote-form h3{margin:0 0 8px;font-size:26px}.field{width:100%;border:1px solid var(--line);border-radius:14px;padding:14px 15px;margin:8px 0;background:#F8FAFC}.section{padding:76px 0}.section-head{display:flex;justify-content:space-between;gap:26px;align-items:end;margin-bottom:28px}.section h2{font-size:clamp(30px,4vw,48px);letter-spacing:-.04em;line-height:1.06;margin:0}.section p.sub{color:var(--muted);max-width:640px;margin:10px 0 0}.grid{display:grid;gap:20px}.grid.cards{grid-template-columns:repeat(4,1fr)}.grid.three{grid-template-columns:repeat(3,1fr)}.grid.two{grid-template-columns:repeat(2,1fr)}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 10px 30px rgba(7,27,52,.04);transition:.25s}.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:rgba(214,165,69,.45)}.num{width:44px;height:44px;border-radius:14px;background:#FFF5DC;color:#8A620C;display:grid;place-items:center;font-weight:900;margin-bottom:18px}.card h3{margin:0 0 8px;font-size:22px}.card p{color:var(--muted);margin:0 0 16px}.pillbar{display:flex;gap:10px;flex-wrap:wrap}.pill{border:1px solid var(--line);background:#fff;border-radius:999px;padding:9px 13px;font-size:13px;font-weight:800;color:#46556A}.dark-section{background:var(--navy);color:#fff}.dark-section .card{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.12);color:#fff}.dark-section .card p,.dark-section p.sub{color:#BFD0E3}.table{background:#fff;border:1px solid var(--line);border-radius:22px;overflow:hidden}.row{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:12px;padding:16px 20px;border-bottom:1px solid var(--line)}.row.head{background:var(--navy);color:#fff;font-weight:900}.cta{border-radius:32px;background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:44px;display:grid;grid-template-columns:1fr .75fr;gap:26px;align-items:center}.footer{background:#061629;color:#D9E6F5;padding:52px 0 26px}.footer-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:26px}.footer a{display:block;color:#AFC2D8;margin:8px 0}.mobile-bar{display:none;position:fixed;bottom:0;left:0;right:0;background:#fff;border-top:1px solid var(--line);z-index:60;grid-template-columns:repeat(4,1fr);box-shadow:0 -14px 34px rgba(7,27,52,.1)}.mobile-bar a{text-align:center;padding:10px 6px;font-weight:800;font-size:12px}.breadcrumb{font-size:14px;color:#BFD0E3;margin-bottom:14px}.content{background:#fff;border:1px solid var(--line);border-radius:24px;padding:30px}.content h2{font-size:34px}.toc{padding:18px;border-radius:18px;background:#F8FAFC;border:1px solid var(--line)}
@media(max-width:900px){.menu{display:none}.hero-grid,.cta{grid-template-columns:1fr}.grid.cards,.grid.three,.grid.two{grid-template-columns:1fr}.section-head{display:block}.metrics{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr}.mobile-bar{display:grid}body{padding-bottom:60px}.row{grid-template-columns:1fr}.top .container{display:block}.hero{padding:56px 0}.container{width:min(100% - 24px,1180px)}}