:root{--navy:#071f3a;--blue:#0f5fb8;--gold:#d7a536;--light:#f5f8fc;--sky:#eaf4ff;--white:#fff;--ink:#14213d;--muted:#5f6f82;--border:#dbe5ef;--shadow:0 14px 35px rgba(7,31,58,.12);--radius:18px}*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.6}a{text-decoration:none;color:inherit}.container{width:min(1160px,92%);margin:auto}.topbar{background:var(--navy);color:#fff;font-size:.92rem;padding:8px 0}.topbar .container{display:flex;justify-content:space-between;gap:15px;flex-wrap:wrap}.header{background:#fff;border-bottom:1px solid var(--border);position:sticky;top:0;z-index:50}.nav{display:flex;align-items:center;justify-content:space-between;min-height:78px;gap:20px}.logo{display:flex;align-items:center;gap:12px;font-weight:800;color:var(--navy)}.logo-mark{width:46px;height:46px;border-radius:14px;background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;display:grid;place-items:center;font-weight:900}.logo small{display:block;font-weight:600;color:var(--muted);font-size:.8rem}.menu{display:flex;align-items:center;gap:20px}.menu a{font-weight:700;color:var(--ink);font-size:.95rem}.menu a:hover{color:var(--blue)}.btn{display:inline-block;background:var(--blue);color:#fff!important;padding:12px 18px;border-radius:999px;font-weight:800;border:0;cursor:pointer}.btn.gold{background:var(--gold);color:#071f3a!important}.btn.outline{background:transparent;color:#fff!important;border:2px solid #fff}.mobile-toggle{display:none;background:none;border:0;font-size:28px;color:var(--navy)}.hero{background:linear-gradient(115deg,rgba(7,31,58,.94),rgba(15,95,184,.84));color:#fff;padding:88px 0}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:38px;align-items:center}.eyebrow{display:inline-block;background:rgba(255,255,255,.15);color:#fff;padding:7px 12px;border-radius:999px;font-weight:800;font-size:.82rem;letter-spacing:.4px}.hero h1{font-size:clamp(2.1rem,5vw,4rem);line-height:1.08;margin:18px 0}.hero p{font-size:1.12rem;color:#eef6ff;max-width:720px}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:26px}.hero-card,.card{background:#fff;color:var(--ink);border:1px solid var(--border);border-radius:var(--radius);padding:26px;box-shadow:0 8px 22px rgba(7,31,58,.06)}.hero-card{box-shadow:var(--shadow)}.hero-card h3,.card h3{margin-top:0;color:var(--navy)}.check-list{padding-left:0;list-style:none}.check-list li{margin:10px 0;padding-left:28px;position:relative}.check-list li:before{content:'✓';position:absolute;left:0;color:var(--blue);font-weight:900}.section{padding:72px 0}.section.alt{background:var(--light)}.section-title{max-width:820px;margin:0 auto 36px;text-align:center}.section-title h2{color:var(--navy);font-size:clamp(1.8rem,3vw,2.7rem);margin:0 0 12px}.section-title p{color:var(--muted);font-size:1.05rem}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}.icon{width:52px;height:52px;border-radius:16px;background:var(--sky);color:var(--blue);display:grid;place-items:center;font-size:24px;margin-bottom:15px}.badge{display:inline-block;background:var(--sky);color:var(--blue);padding:6px 10px;border-radius:999px;font-weight:800;font-size:.78rem}.cta{background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;border-radius:28px;padding:42px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}.cta h2{margin:0 0 8px}.cta p{margin:0;color:#eaf4ff}.footer{background:var(--navy);color:#dbe9ff;padding:50px 0 22px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.3fr;gap:25px}.footer h3,.footer h4{color:#fff;margin-top:0}.footer a{display:block;margin:8px 0;color:#dbe9ff}.footer-bottom{border-top:1px solid rgba(255,255,255,.15);margin-top:30px;padding-top:18px;color:#abc4df;font-size:.92rem}.page-hero{background:linear-gradient(115deg,var(--navy),var(--blue));color:#fff;padding:62px 0}.page-hero h1{font-size:clamp(2rem,4vw,3.3rem);margin:0 0 12px}.breadcrumb{font-size:.9rem;color:#cfe4ff;margin-bottom:14px}.table{width:100%;border-collapse:collapse;overflow:hidden;border-radius:16px}.table th,.table td{border:1px solid var(--border);padding:14px;text-align:left}.table th{background:var(--navy);color:#fff}.form{display:grid;gap:14px}.form input,.form textarea,.form select{width:100%;padding:13px 14px;border:1px solid var(--border);border-radius:12px;font:inherit}.form textarea{min-height:140px}.notice{background:#fff8e6;border:1px solid #f1d28a;padding:16px;border-radius:14px}@media(max-width:900px){.hero-grid,.grid-3,.grid-2,.footer-grid,.cta{grid-template-columns:1fr}.menu{display:none;position:absolute;top:78px;left:0;right:0;background:#fff;padding:20px;border-bottom:1px solid var(--border);flex-direction:column;align-items:flex-start}.menu.open{display:flex}.mobile-toggle{display:block}.hero{padding:62px 0}}