:root{--navy:#002B5E;--navy-700:#001F46;--navy-500:#0A4488;--ink:#13171C;--ink-2:#3A4754;--bg:#fff;--bg-2:#F4F6F9;--sky:#E9F0F8;--sky-2:#DBE7F4;--slate:#5B6671;--line:rgba(0,43,94,.10);--line-2:rgba(0,43,94,.18);--shadow-s:0 16px 38px -22px rgba(0,43,94,.28)}
*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:'Space Grotesk','Inter',sans-serif;font-weight:600;line-height:1.12;letter-spacing:-.02em;color:var(--ink)}
a{color:inherit;text-decoration:none}.wrap{max-width:1180px;margin:0 auto;padding:0 24px}.narrow{max-width:860px}
.eyebrow{font-size:.74rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--navy-500)}
.btn{display:inline-flex;align-items:center;gap:.5rem;font-weight:600;font-size:.95rem;padding:.92rem 1.6rem;border-radius:999px;border:1px solid transparent;cursor:pointer;transition:.25s;font-family:inherit}
.btn-lg{padding:1.05rem 2rem;font-size:1.02rem}
.btn-primary{background:var(--navy);color:#fff}.btn-primary:hover{background:var(--navy-700);transform:translateY(-2px)}
.btn-ghost{background:#fff;border-color:var(--line-2);color:var(--navy)}.btn-ghost:hover{background:var(--sky);border-color:var(--navy)}
.btn-light{background:#fff;color:var(--navy)}.btn-light:hover{transform:translateY(-2px)}
.btn-ghost-l{background:transparent;border-color:rgba(255,255,255,.45);color:#fff}.btn-ghost-l:hover{background:rgba(255,255,255,.12)}
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.85);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
nav{display:flex;align-items:center;justify-content:space-between;height:74px}
.brand{display:flex;flex-direction:column;line-height:1}.brand .logo{font-family:'Space Grotesk';font-size:1.7rem;font-weight:700;color:var(--navy)}.brand .tag{font-size:.58rem;letter-spacing:.2em;text-transform:uppercase;color:var(--navy-500);margin-top:4px}
.navlinks{display:flex;gap:1.8rem}.navlinks a{color:var(--ink-2);font-weight:500;font-size:.92rem}.navlinks a:hover{color:var(--navy)}
.phero{background:linear-gradient(180deg,var(--bg-2),var(--bg));padding:72px 0 60px}
.phero h1{font-size:clamp(2.4rem,5vw,3.6rem);margin:14px 0 18px}
.phero .lead{font-size:1.15rem;color:var(--ink-2);max-width:46em}
.phero-cta{display:flex;gap:.8rem;flex-wrap:wrap;margin-top:28px}
.block{padding:84px 0}.block.alt{background:var(--bg-2)}
.sec-head{max-width:48em;margin-bottom:44px}.sec-head h2{font-size:clamp(1.9rem,3.4vw,2.6rem);margin:.6rem 0 1rem}.sec-head p{color:var(--slate);font-size:1.05rem}
.faq-cat{margin-bottom:34px}.faq-cat h3{font-size:1.05rem;color:var(--navy-500);text-transform:uppercase;letter-spacing:.08em;font-family:'Inter';font-weight:700;margin-bottom:8px;padding-bottom:8px;border-bottom:2px solid var(--sky-2)}
.qa{border-bottom:1px solid var(--line)}
.qa-q{width:100%;background:none;border:none;text-align:left;padding:18px 0;font-weight:600;font-size:1.04rem;cursor:pointer;font-family:inherit;color:var(--ink);display:flex;justify-content:space-between;align-items:center;gap:18px}
.qa-q .pm{color:var(--navy);font-size:1.4rem;flex:none;transition:.3s}
.qa-a{max-height:0;overflow:hidden;transition:.35s}.qa-a p{padding:0 0 18px;color:var(--slate);font-size:.97rem;max-width:62em}
.ctable{overflow-x:auto;border:1px solid var(--line);border-radius:16px}
.ctable table{border-collapse:collapse;width:100%;min-width:680px;font-size:.92rem}
.ctable th,.ctable td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.ctable th{background:var(--navy);color:#fff;font-family:'Space Grotesk'}
.ctable th.hl{background:var(--navy-700)}
.ctable .rowh{font-weight:600;color:var(--ink);background:var(--bg-2);width:200px}
.ctable td.hl{background:var(--sky)}
.ctaband{background:linear-gradient(160deg,var(--navy),#0d3a6b);color:#fff;text-align:center;padding:80px 0}
.ctaband h2{color:#fff;font-size:clamp(1.9rem,3.4vw,2.6rem)}.ctaband p{color:rgba(255,255,255,.82);max-width:34em;margin:14px auto 26px}
.ctaband .others{margin-top:24px;font-size:.85rem;color:rgba(255,255,255,.7)}.ctaband .others a{color:#fff;text-decoration:underline}
footer{background:#081421;color:rgba(255,255,255,.7);padding:60px 0 28px;font-size:.9rem}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:34px;padding-bottom:36px;border-bottom:1px solid rgba(255,255,255,.14)}
footer .logo{font-family:'Space Grotesk';font-size:1.5rem;font-weight:700;color:#fff}footer h5{color:#fff;font-size:.76rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:14px}footer ul{list-style:none}footer li{padding:5px 0}footer a:hover{color:#9cc0ec}
.foot-bottom{display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;padding-top:22px;font-size:.78rem;color:rgba(255,255,255,.45)}
.disclaimer{font-size:.74rem;color:rgba(255,255,255,.5);margin-top:12px;line-height:1.5}
@media(max-width:820px){.navlinks{display:none}.foot-grid{grid-template-columns:1fr 1fr}.block{padding:60px 0}}