:root{
  --ink:#0d2138;--muted:#526276;--blue:#0b4f9c;--blue2:#0a66c2;--soft:#f4f8fc;--line:#d9e4ef;--white:#fff;--green:#12823d;--dark:#071a2f;--gold:#b9862c;--shadow:0 18px 48px rgba(7,31,55,.10);--radius:22px;--max:1160px
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#fff;color:var(--ink);font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;line-height:1.65;-webkit-font-smoothing:antialiased}img{max-width:100%;height:auto}a{color:var(--blue);text-decoration-thickness:1px;text-underline-offset:3px}.wrap{width:min(var(--max),calc(100% - 36px));margin-inline:auto}.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:12px;z-index:999;background:#fff;padding:10px 14px;border-radius:10px;box-shadow:var(--shadow)}
.site-head{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid rgba(13,33,56,.08)}.head-row{min-height:76px;display:flex;align-items:center;gap:22px}.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink);font-weight:800;letter-spacing:-.02em;white-space:nowrap}.brand img{width:46px;height:46px;border-radius:12px}.brand small{display:block;font-size:.72rem;font-weight:650;color:var(--muted);letter-spacing:.03em}.main-nav{margin-left:auto;display:flex;align-items:center;gap:18px}.main-nav a{color:#253b52;text-decoration:none;font-weight:700;font-size:.92rem;white-space:nowrap}.main-nav a:hover{color:var(--blue)}.nav-cta{background:var(--green);color:#fff!important;padding:11px 16px;border-radius:999px;box-shadow:0 8px 22px rgba(18,130,61,.2)}.mobile-nav{display:none;margin-left:auto;position:relative}.mobile-nav summary{list-style:none;cursor:pointer;font-weight:800;padding:10px 13px;border:1px solid var(--line);border-radius:12px}.mobile-nav summary::-webkit-details-marker{display:none}.mobile-panel{position:absolute;right:0;top:52px;width:min(330px,calc(100vw - 28px));padding:12px;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow)}.mobile-panel a{display:block;padding:11px 10px;color:var(--ink);text-decoration:none;font-weight:700;border-radius:10px}.mobile-panel a:hover{background:var(--soft)}
.hero{position:relative;overflow:hidden;background:linear-gradient(135deg,#f7fbff 0%,#eef5fb 52%,#fefefe 100%);border-bottom:1px solid var(--line)}.hero:before{content:"";position:absolute;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,rgba(10,102,194,.14),rgba(10,102,194,0) 68%);right:-150px;top:-220px}.hero-grid{position:relative;display:grid;grid-template-columns:minmax(0,1.15fr) minmax(320px,.85fr);align-items:center;gap:48px;padding:72px 0 64px}.eyebrow{display:inline-flex;align-items:center;gap:8px;margin-bottom:16px;padding:7px 11px;border:1px solid #cbdced;background:#fff;border-radius:999px;color:#31516e;font-size:.78rem;font-weight:850;letter-spacing:.08em;text-transform:uppercase}.hero h1{font-size:clamp(2.3rem,5vw,4.35rem);line-height:1.02;letter-spacing:-.045em;margin:0 0 20px;max-width:900px}.hero p.lead{font-size:clamp(1.04rem,2vw,1.28rem);line-height:1.65;color:#425b72;max-width:760px;margin:0 0 24px}.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:25px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;min-height:48px;padding:12px 18px;border-radius:13px;font-weight:850;text-decoration:none;border:1px solid transparent;transition:transform .18s ease,box-shadow .18s ease,background .18s ease}.btn:hover{transform:translateY(-1px)}.btn-primary{background:var(--blue);color:#fff;box-shadow:0 10px 28px rgba(11,79,156,.2)}.btn-wa{background:var(--green);color:#fff;box-shadow:0 10px 28px rgba(18,130,61,.18)}.btn-ghost{border-color:#b9cada;background:#fff;color:var(--ink)}.hero-card{background:linear-gradient(180deg,#0b2644,#071a2f);color:#fff;border-radius:28px;padding:28px;box-shadow:0 26px 60px rgba(3,22,42,.22);position:relative;overflow:hidden}.hero-card:after{content:"";position:absolute;inset:auto -70px -90px auto;width:210px;height:210px;border-radius:50%;background:rgba(255,255,255,.05)}.hero-photo{width:100%;aspect-ratio:4/5;object-fit:cover;object-position:center top;border-radius:19px;margin-bottom:20px;background:#dbe6ef}.cred{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin-top:18px}.cred div{padding:12px;border:1px solid rgba(255,255,255,.14);background:rgba(255,255,255,.05);border-radius:14px}.cred strong{display:block;font-size:1rem}.cred span{font-size:.78rem;color:#c8d6e5}.trustbar{background:#fff;border-bottom:1px solid var(--line)}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0}.trust-item{padding:22px 18px;text-align:center;border-right:1px solid var(--line)}.trust-item:last-child{border-right:0}.trust-item b{display:block;color:var(--blue);font-size:1.05rem}.trust-item span{font-size:.84rem;color:var(--muted)}
.section{padding:76px 0}.section.soft{background:var(--soft)}.section.dark{background:var(--dark);color:#fff}.section.compact{padding:54px 0}.section-head{max-width:820px;margin-bottom:34px}.section-head .kicker{font-size:.78rem;font-weight:850;letter-spacing:.09em;text-transform:uppercase;color:var(--blue);margin-bottom:8px}.dark .section-head .kicker{color:#8cc0f2}.section h2{font-size:clamp(1.85rem,3.5vw,3rem);line-height:1.12;letter-spacing:-.035em;margin:0 0 14px}.section-head p{color:var(--muted);font-size:1.04rem;margin:0}.dark .section-head p{color:#cad7e4}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 10px 28px rgba(7,31,55,.05)}.card h3{margin:8px 0 10px;font-size:1.23rem;line-height:1.25}.card p{margin:0;color:var(--muted)}.card .num{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:11px;background:#e9f3fd;color:var(--blue);font-weight:900}.card a.more{display:inline-block;margin-top:16px;font-weight:800}.card-dark{background:#0e2947;border-color:#1a456c;color:#fff}.card-dark p{color:#c8d6e5}.split{display:grid;grid-template-columns:1fr 1fr;gap:42px;align-items:start}.prose{max-width:820px}.prose h2,.prose h3{line-height:1.2;letter-spacing:-.025em}.prose h2{font-size:clamp(1.8rem,3vw,2.55rem);margin:48px 0 14px}.prose h3{font-size:1.35rem;margin:32px 0 10px}.prose p{color:#30485f;margin:0 0 18px}.prose ul,.prose ol{padding-left:22px}.prose li{margin:8px 0;color:#30485f}.note{padding:18px 20px;border-left:4px solid var(--blue);background:#eef6fd;border-radius:0 14px 14px 0;margin:24px 0;color:#243e56}.note.warning{border-color:#b9862c;background:#fff7e9}.checklist{list-style:none;padding:0;margin:20px 0}.checklist li{position:relative;padding-left:30px;margin:11px 0}.checklist li:before{content:"✓";position:absolute;left:0;top:0;color:var(--green);font-weight:900}.steps{counter-reset:step;display:grid;gap:15px}.step{counter-increment:step;display:grid;grid-template-columns:54px 1fr;gap:14px;align-items:start;padding:20px;border:1px solid var(--line);border-radius:18px;background:#fff}.step:before{content:counter(step);display:grid;place-items:center;width:44px;height:44px;border-radius:14px;background:var(--blue);color:#fff;font-weight:900}.step h3{margin:2px 0 6px}.step p{margin:0;color:var(--muted)}
.article-shell{padding:58px 0 80px}.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:46px;align-items:start}.article-meta{display:flex;flex-wrap:wrap;gap:10px;color:var(--muted);font-size:.82rem;margin:10px 0 26px}.toc,.side-cta{border:1px solid var(--line);border-radius:18px;background:#fff;padding:20px}.toc{position:sticky;top:94px}.toc h2,.side-cta h2{font-size:1rem;margin:0 0 10px;letter-spacing:0}.toc a{display:block;padding:7px 0;color:#35516d;text-decoration:none;font-size:.9rem}.toc a:hover{color:var(--blue)}.side-cta{margin-top:16px;background:#0d2c4e;color:#fff;border-color:#0d2c4e}.side-cta p{color:#d0dce8;font-size:.9rem}.side-cta .btn{width:100%;margin-top:8px}.faq details{border:1px solid var(--line);border-radius:16px;background:#fff;padding:0 18px;margin:10px 0}.faq summary{cursor:pointer;font-weight:800;padding:17px 28px 17px 0;position:relative;list-style:none}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";position:absolute;right:0;top:15px;font-size:1.25rem;color:var(--blue)}.faq details[open] summary:after{content:"–"}.faq details p{color:var(--muted);margin:0 0 18px}.source-box{background:#f8fafc;border:1px solid var(--line);border-radius:18px;padding:20px;margin-top:34px}.source-box h2{font-size:1.1rem}.source-box ul{margin-bottom:0}.source-box a{overflow-wrap:anywhere}.hub-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.hub-card{border:1px solid var(--line);border-radius:20px;padding:24px;background:#fff}.hub-card .tag{font-size:.75rem;font-weight:850;letter-spacing:.06em;text-transform:uppercase;color:var(--blue)}.hub-card h2,.hub-card h3{margin:8px 0 10px;line-height:1.18}.hub-card p{color:var(--muted);margin:0}.hub-card a{display:inline-block;margin-top:14px;font-weight:850}.cta-band{padding:32px;border-radius:26px;background:linear-gradient(135deg,#0a3f7b,#071a2f);color:#fff;display:flex;align-items:center;justify-content:space-between;gap:26px}.cta-band h2{margin:0 0 8px;font-size:clamp(1.5rem,3vw,2.25rem)}.cta-band p{margin:0;color:#d4e0eb;max-width:720px}.cta-band .hero-actions{margin:0;flex-shrink:0}.site-foot{background:#061527;color:#cbd8e5;padding:46px 0 28px;margin-top:0}.foot-grid{display:grid;grid-template-columns:1.4fr .8fr .8fr;gap:34px}.site-foot h2,.site-foot h3{color:#fff;font-size:1rem;margin:0 0 11px}.site-foot a{color:#d6e7f7;text-decoration:none}.site-foot a:hover{text-decoration:underline}.site-foot p{margin:8px 0;font-size:.9rem}.foot-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:28px;padding-top:18px;font-size:.78rem;color:#9db0c4}.breadcrumbs{font-size:.82rem;color:var(--muted);margin-bottom:18px}.breadcrumbs a{color:var(--muted)}
@media (max-width:900px){.main-nav{display:none}.mobile-nav{display:block}.hero-grid{grid-template-columns:1fr;padding:54px 0 48px;gap:28px}.hero-card{max-width:560px}.trust-grid{grid-template-columns:repeat(2,1fr)}.trust-item:nth-child(2){border-right:0}.trust-item:nth-child(-n+2){border-bottom:1px solid var(--line)}.cards{grid-template-columns:1fr 1fr}.split{grid-template-columns:1fr}.article-grid{grid-template-columns:1fr}.toc{position:static}.hub-grid{grid-template-columns:1fr}.cta-band{align-items:flex-start;flex-direction:column}.foot-grid{grid-template-columns:1fr 1fr}.foot-grid>div:first-child{grid-column:1/-1}}
@media (max-width:620px){.wrap{width:min(100% - 26px,var(--max))}.head-row{min-height:68px}.brand img{width:42px;height:42px}.brand span{font-size:.92rem}.hero-grid{padding-top:38px}.hero h1{font-size:2.32rem}.hero p.lead{font-size:1rem}.hero-actions{display:grid;grid-template-columns:1fr}.btn{width:100%}.hero-card{padding:18px}.cred{grid-template-columns:1fr 1fr}.section{padding:58px 0}.cards{grid-template-columns:1fr}.trust-grid{grid-template-columns:1fr}.trust-item{border-right:0;border-bottom:1px solid var(--line)}.trust-item:last-child{border-bottom:0}.foot-grid{grid-template-columns:1fr}.foot-grid>div:first-child{grid-column:auto}.cta-band{padding:24px}.article-shell{padding-top:38px}.prose h2{margin-top:38px}.hub-card{padding:20px}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.btn{transition:none}}
@supports(content-visibility:auto){.defer-section{content-visibility:auto;contain-intrinsic-size:700px}}