:root{--ink:#0f2740;--mut:#4b6078;--blue:#2b7de9;--blue2:#1c5fc0;--sun:#ffc83d;--mint:#e6f4ef;--sky:#f3f8fe;--ln:#dbe5f0;--wh:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:17px/1.7 "Segoe UI","Helvetica Neue",Arial,sans-serif;color:var(--ink);background:#fff}
h1,h2,h3{font-family:"Trebuchet MS","Segoe UI",Arial,sans-serif;font-weight:800;line-height:1.16;margin:0 0 .5em;letter-spacing:-.01em}h1{font-size:clamp(2.2rem,4.8vw,3.6rem)}h2{font-size:clamp(1.6rem,2.9vw,2.2rem)}h3{font-size:1.2rem}
a{color:var(--blue2)}a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid var(--blue);outline-offset:2px;border-radius:6px}
p{max-width:64ch;margin:0 0 1em}.w{max-width:1140px;margin:0 auto;padding:0 24px}
header.hd{background:rgba(255,255,255,.96);border-bottom:1px solid var(--ln);position:sticky;top:0;z-index:20;backdrop-filter:blur(6px)}
header.hd .w{display:flex;align-items:center;gap:14px;min-height:76px;flex-wrap:wrap}
.logo{display:flex;align-items:center;gap:10px;color:var(--ink);text-decoration:none;font-family:"Trebuchet MS","Segoe UI",Arial,sans-serif;font-weight:800;font-size:1.3rem}.logo img{display:block}
nav.mn{display:flex;gap:2px;margin-left:auto;flex-wrap:wrap;align-items:center}nav.mn a{color:var(--ink);text-decoration:none;padding:8px 13px;font-weight:600;font-size:.93rem;border-radius:999px}nav.mn a:hover{background:var(--sky)}nav.mn a[aria-current]{background:var(--ink);color:#fff}
.btn{display:inline-block;background:var(--blue);color:#fff;padding:14px 28px;border-radius:999px;text-decoration:none;font-weight:700;border:2px solid var(--blue);font-size:1rem;cursor:pointer;font-family:inherit}.btn:hover{background:var(--blue2);border-color:var(--blue2)}
.btn.o{background:#fff;color:var(--ink);border-color:var(--ink)}.btn.o:hover{background:var(--ink);color:#fff}.btn.y{background:var(--sun);border-color:var(--sun);color:var(--ink)}.btn.y:hover{background:#ffd566;border-color:#ffd566}.btn.sm{padding:9px 20px;font-size:.9rem}.btn.blk{display:block;text-align:center}
.kick{display:inline-block;background:var(--mint);color:#1d6b55;font-weight:700;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;padding:4px 14px;border-radius:999px;margin-bottom:14px}
.hero{background:linear-gradient(180deg,var(--sky),#fff);overflow:hidden}.hero .w{display:grid;grid-template-columns:1.05fr .95fr;gap:52px;align-items:center;padding-top:58px;padding-bottom:62px}
.lead{font-size:1.16rem;color:var(--mut)}.cta{display:flex;flex-wrap:wrap;gap:14px;margin-top:26px}
.hero figure{margin:0;position:relative}.hero figure:before{content:"";position:absolute;right:-26px;top:-26px;width:46%;aspect-ratio:1;border-radius:50%;background:var(--sun);z-index:0}.hero figure:after{content:"";position:absolute;left:-18px;bottom:-18px;width:34%;aspect-ratio:1;border-radius:50%;background:var(--mint);z-index:0}.hero figure img{position:relative;z-index:1;display:block;width:100%;height:auto;border-radius:28px;box-shadow:0 18px 40px rgba(15,39,64,.18)}
.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:-30px;position:relative;z-index:2}.facts>div{background:#fff;border:1px solid var(--ln);border-radius:18px;padding:18px 22px;display:flex;gap:16px;align-items:center;box-shadow:0 8px 24px rgba(15,39,64,.07)}.facts b{display:block}.facts span{font-size:.92rem;color:var(--mut)}.facts .ic{flex:none}
section.s{padding:68px 0}section.alt{background:var(--sky)}section.dk{background:var(--ink);color:#dbe6f2}section.dk h2,section.dk h3{color:#fff}section.dk p{color:#c4d3e3}section.dk .kick{background:rgba(255,255,255,.12);color:#ffe29a}section.dk a:not(.btn){color:#fff}
.sh{max-width:700px;margin-bottom:34px}.sh p{color:var(--mut)}
.cr{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.cr>div{background:#fff;border:1px solid var(--ln);border-radius:20px;padding:26px;box-shadow:0 6px 20px rgba(15,39,64,.05);display:flex;flex-direction:column}.cr .ic{margin-bottom:10px}.cr h3{margin:.2em 0 .3em}.cr p{color:var(--mut);font-size:.96rem;margin:0 0 .8em}.cr .tag{margin-top:auto;display:inline-block;align-self:flex-start;font-size:.8rem;font-weight:700;background:var(--sky);color:var(--blue2);padding:3px 12px;border-radius:999px;border:1px solid var(--ln)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}.split.rev .ph{order:2}.split p{color:var(--mut)}
.ph{margin:0}.ph img{display:block;width:100%;height:auto;border-radius:24px;box-shadow:0 14px 34px rgba(15,39,64,.14)}.ph figcaption{font-size:.85rem;color:var(--mut);margin-top:10px}
.lad{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;align-items:end}.lad>div{background:#fff;border:1px solid var(--ln);border-radius:16px;padding:16px 14px;text-align:left}.lad>div:nth-child(1){min-height:130px}.lad>div:nth-child(2){min-height:150px}.lad>div:nth-child(3){min-height:170px}.lad>div:nth-child(4){min-height:190px}.lad>div:nth-child(5){min-height:210px}.lad b{display:inline-block;background:var(--blue);color:#fff;font-size:1.05rem;padding:1px 12px;border-radius:999px;margin-bottom:8px}.lad>div:nth-child(even) b{background:var(--ink)}.lad h3{font-size:1rem;margin:0 0 .25em}.lad p{font-size:.88rem;color:var(--mut);margin:0}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;counter-reset:s}.steps>div{background:#fff;border:1px solid var(--ln);border-radius:20px;padding:24px;position:relative}.steps b{display:flex;width:40px;height:40px;border-radius:50%;background:var(--sun);align-items:center;justify-content:center;margin-bottom:12px}.steps h3{margin:0 0 .2em}.steps p{margin:0;color:var(--mut);font-size:.95rem}
table.tbl{width:100%;border-collapse:separate;border-spacing:0;background:#fff;border:1px solid var(--ln);border-radius:18px;overflow:hidden;font-size:.97rem}.tbl th,.tbl td{padding:13px 18px;text-align:left;border-bottom:1px solid var(--ln);vertical-align:top}.tbl thead th{background:var(--ink);color:#fff}.tbl tr:last-child td,.tbl tr:last-child th{border-bottom:0}.tbl tbody th{font-weight:700;white-space:nowrap}.tw{overflow-x:auto}section.dk .tbl{background:transparent;border-color:#33506f;color:#fff}section.dk .tbl th,section.dk .tbl td{border-color:#2b4764}section.dk .tbl thead th{background:#1a3a5c}
.qz{max-width:760px}.qz fieldset{border:1px solid var(--ln);border-radius:18px;padding:20px 24px;margin:0 0 16px;background:#fff}.qz legend{font-weight:800;padding:0 8px;font-family:"Trebuchet MS",Arial,sans-serif}.qz label{display:flex;gap:10px;align-items:center;font-weight:500;margin:6px 0;cursor:pointer;padding:6px 10px;border-radius:10px}.qz label:hover{background:var(--sky)}.qz input{width:auto}.qz .q{font-size:1.05rem;margin:0 0 6px}
.res{border:2px solid var(--blue);border-radius:20px;padding:26px;background:var(--sky);margin-top:20px}.res .lv{font-family:"Trebuchet MS",Arial,sans-serif;font-size:3rem;font-weight:800;color:var(--blue2);line-height:1}
.fcs{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.fc{position:relative;height:150px;perspective:900px;background:none;border:0;padding:0;cursor:pointer;font:inherit;color:inherit;text-align:center}.fc>span{position:absolute;inset:0;border-radius:20px;display:flex;align-items:center;justify-content:center;padding:18px;backface-visibility:hidden;transition:transform .5s;border:1px solid var(--ln);box-shadow:0 6px 18px rgba(15,39,64,.06)}.fc .f{background:#fff;font-weight:700;font-size:1.05rem}.fc .b{background:var(--blue);color:#fff;transform:rotateY(180deg);font-size:1rem}.fc.on .f{transform:rotateY(180deg)}.fc.on .b{transform:rotateY(0)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:22px}.two>div{background:#fff;border:1px solid var(--ln);border-radius:20px;padding:28px}.two.cx{grid-template-columns:1.3fr .7fr;gap:48px}.two.cx>div{background:none;border:0;padding:0;border-radius:0}
ul.ck{list-style:none;padding:0;margin:0 0 1em;max-width:66ch}ul.ck li{position:relative;padding-left:30px;margin-bottom:.55em}ul.ck li:before{content:"";position:absolute;left:0;top:.38em;width:20px;height:20px;border-radius:50%;background:var(--mint)}ul.ck li:after{content:"";position:absolute;left:6px;top:.62em;width:8px;height:5px;border-left:2px solid #1d6b55;border-bottom:2px solid #1d6b55;transform:rotate(-45deg)}section.dk ul.ck li:before{background:rgba(255,255,255,.15)}section.dk ul.ck li:after{border-color:#ffe29a}
.band{background:var(--ink);color:#fff;border-radius:28px;padding:42px;display:flex;gap:24px;align-items:center;justify-content:space-between;flex-wrap:wrap;position:relative;overflow:hidden}.band:after{content:"";position:absolute;right:-50px;top:-60px;width:200px;height:200px;border-radius:50%;background:rgba(255,200,61,.22)}.band>*{position:relative;z-index:1}.band h2{margin:0 0 .2em;color:#fff}.band p{margin:0;max-width:52ch;color:#c4d3e3}
details{background:#fff;border:1px solid var(--ln);border-radius:16px;padding:14px 20px;margin-bottom:10px}summary{cursor:pointer;font-weight:700;list-style:none;display:flex;justify-content:space-between;gap:14px}summary::-webkit-details-marker{display:none}summary:after{content:"+";font-size:1.4rem;line-height:1;color:var(--blue)}details[open] summary:after{content:"\2212"}details p{margin:.8em 0 0;color:var(--mut)}
.note{font-size:.93rem;color:var(--mut);background:var(--sky);border:1px solid var(--ln);border-left:6px solid var(--sun);border-radius:12px;padding:12px 16px;margin:20px 0 0;max-width:74ch}
.pgh{background:linear-gradient(180deg,var(--sky),#fff);padding:52px 0 26px}.pgh h1{margin-bottom:.3em}.pgh .lead{max-width:62ch;margin:0}.doc{padding:30px 0 60px;max-width:820px}.doc h2{font-size:1.4rem;margin-top:1.6em}
label{display:block;font-weight:700;font-size:.9rem;margin:14px 0 6px}input,textarea,select{width:100%;padding:12px 14px;font:inherit;border:1px solid #b9c9db;border-radius:12px;background:#fff;color:var(--ink)}input:focus,textarea:focus,select:focus{border-color:var(--blue)}
form.f{max-width:680px}.f2{display:grid;grid-template-columns:1fr 1fr;gap:14px}label.chk{display:flex;gap:10px;align-items:flex-start;font-weight:400;margin-top:18px}label.chk input{width:auto;margin-top:6px}.status{margin-top:16px;padding:14px 16px;background:var(--sky);border:1px solid var(--ln);border-radius:12px}
footer.ft{background:var(--ink);color:#b6c6d8;padding:52px 0 28px;font-size:.95rem}footer.ft h3{color:#fff;font-size:1.05rem}footer.ft a{color:#fff}footer.ft .fg{display:grid;gap:30px;grid-template-columns:1.3fr 1fr 1fr 1fr}footer.ft p{margin:0 0 .5em}footer.ft ul{list-style:none;padding:0;margin:0}footer.ft li{margin-bottom:.4em}.lk{background:none;border:0;color:#fff;text-decoration:underline;font:inherit;padding:0;cursor:pointer}.copy{max-width:none;border-top:1px solid rgba(255,255,255,.2);margin-top:28px;padding-top:16px;font-size:.88rem}
.cc{position:fixed;left:50%;transform:translateX(-50%);bottom:16px;z-index:50;background:#fff;border:1px solid var(--ln);border-radius:18px;box-shadow:0 12px 36px rgba(15,39,64,.28);max-height:88vh;overflow:auto;width:min(720px,calc(100% - 28px))}.cc-in{padding:18px 22px}.cc h2{font-size:1.1rem}.cc p{font-size:.93rem;color:var(--mut)}.cc-b{display:flex;flex-wrap:wrap;gap:10px}.cc .btn{padding:10px 20px;font-size:.92rem}.cc-opt label{display:flex;gap:10px;align-items:flex-start;font-weight:400;margin:10px 0}.cc-opt input{width:auto;margin-top:6px}
@media(max-width:960px){.hero .w,.split,.two,.two.cx{grid-template-columns:1fr}.split.rev .ph{order:0}.hero .w{padding-top:36px;padding-bottom:44px}.hero figure{max-width:520px}.cr{grid-template-columns:1fr 1fr}.lad{grid-template-columns:1fr 1fr}.lad>div{min-height:0!important}.steps{grid-template-columns:1fr 1fr}.fcs{grid-template-columns:1fr 1fr}.facts{grid-template-columns:1fr;margin-top:-20px}footer.ft .fg{grid-template-columns:1fr 1fr}nav.mn{margin-left:0;width:100%}header.hd{position:static}.band{padding:30px}}
@media(max-width:600px){.cr,.lad,.steps,.fcs,.f2,footer.ft .fg{grid-template-columns:1fr}.w{padding:0 18px}}