:root{--navy:#0b2545;--blue:#123c69;--ink:#102033;--muted:#5f6f82;--line:#e7edf4;--surface:#ffffff;--soft:#f6f9fc;--gold:#f3b544;--green:#1f8f65;--radius:22px;--shadow:0 22px 60px rgba(8,37,68,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.65}a{color:#0c66c2;text-decoration:none}a:hover{text-decoration:underline}.container{width:min(1180px,calc(100% - 32px));margin-inline:auto}.skip-link{position:absolute;left:-999px;top:12px;background:#fff;padding:10px 14px;border-radius:10px;z-index:999}.skip-link:focus{left:12px}.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:blur(18px);border-bottom:1px solid var(--line)}.nav{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{display:flex;align-items:center;gap:12px;font-weight:850;color:var(--navy);font-size:1.1rem}.brand img{width:38px;height:38px;border-radius:10px;object-fit:cover}.nav-links{display:flex;gap:18px;align-items:center;flex-wrap:wrap}.nav-links a{color:#31445b;font-weight:700;font-size:.94rem}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:999px;padding:13px 20px;font-weight:800;border:1px solid transparent;transition:.2s ease;white-space:nowrap}.btn-primary{background:var(--gold);color:#1b2937;box-shadow:0 10px 24px rgba(243,181,68,.32)}.btn-primary:hover{transform:translateY(-1px);text-decoration:none;background:#ffc65b}.btn-secondary{background:#fff;color:var(--navy);border-color:rgba(255,255,255,.58)}.btn-outline{border-color:#cbd8e6;color:var(--navy);background:#fff}.hero{position:relative;min-height:640px;display:grid;align-items:center;overflow:hidden;background:var(--navy)}.hero picture,.hero-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.hero:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(8,29,51,.88) 0%,rgba(8,29,51,.68) 44%,rgba(8,29,51,.24) 100%)}.hero-content{position:relative;z-index:1;color:#fff;max-width:760px;padding:96px 0}.eyebrow{display:inline-flex;align-items:center;gap:9px;padding:8px 13px;border:1px solid rgba(255,255,255,.25);border-radius:999px;background:rgba(255,255,255,.12);font-weight:800;font-size:.86rem;letter-spacing:.02em}.hero h1{font-size:clamp(2.3rem,6vw,5.1rem);line-height:.98;margin:22px 0 18px;letter-spacing:-.055em}.hero p{font-size:clamp(1.05rem,2vw,1.32rem);max-width:650px;color:#edf5ff;margin:0 0 28px}.hero-actions{display:flex;flex-wrap:wrap;gap:13px}.trust-strip{position:relative;z-index:2;margin-top:-52px}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:18px}.trust-item{padding:14px;border-radius:18px;background:var(--soft)}.trust-item strong{display:block;color:var(--navy);font-size:1rem}.trust-item span{color:var(--muted);font-size:.92rem}.layout{display:grid;grid-template-columns:280px minmax(0,1fr);gap:32px;padding:66px 0}.toc{position:sticky;top:98px;align-self:start;border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:0 14px 42px rgba(8,37,68,.07);padding:22px}.toc h2{font-size:1rem;margin:0 0 12px}.toc ol{list-style:none;margin:0;padding:0;display:grid;gap:8px}.toc a{color:#45586f;font-weight:700;font-size:.92rem}.article-card,.info-card,.faq,.related,.review-section{border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:0 14px 42px rgba(8,37,68,.06)}.article-card{padding:clamp(22px,4vw,48px)}.article-card h2,.article-card h3{color:var(--navy);line-height:1.18;letter-spacing:-.025em;margin-top:34px}.article-card h2{font-size:clamp(1.5rem,3vw,2.1rem)}.article-card h3{font-size:1.28rem}.article-card p{margin:15px 0;color:#2a3a4d}.article-card ul{padding-left:1.2rem}.article-card li{margin:10px 0}.article-card img{max-width:130px;border-radius:14px;vertical-align:middle}.callout{border-left:5px solid var(--gold);background:#fff8e7;border-radius:16px;padding:18px 20px;margin:26px 0}.section-block{padding:56px 0;background:var(--soft)}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.info-card{padding:24px}.info-card h3{margin:0 0 8px;color:var(--navy)}.info-card p{margin:0;color:var(--muted)}.cta-panel{margin:38px 0;border-radius:30px;padding:32px;background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;display:grid;grid-template-columns:1fr auto;gap:20px;align-items:center;box-shadow:var(--shadow)}.cta-panel h2{margin:0 0 8px;font-size:clamp(1.45rem,3vw,2.4rem)}.cta-panel p{margin:0;color:#dbe8f5}.faq{padding:34px;margin-top:28px}.faq h2,.related h2,.review-section h2{margin-top:0;color:var(--navy);letter-spacing:-.03em}.faq details{border-top:1px solid var(--line);padding:18px 0}.faq details:first-of-type{border-top:0}.faq summary{cursor:pointer;font-weight:850;color:#1b2f46}.faq p{color:var(--muted)}.related{padding:34px;margin-top:28px}.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.related a{display:block;border:1px solid var(--line);border-radius:18px;padding:18px;background:#fff;color:var(--navy);font-weight:850}.review-section{padding:34px;margin-top:28px}.review-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.review{padding:20px;border-radius:18px;background:var(--soft);border:1px solid var(--line)}.review .stars{color:#b87400;letter-spacing:.06em}.sticky-cta{position:fixed;left:50%;bottom:18px;transform:translateX(-50%);z-index:45;width:min(760px,calc(100% - 28px));display:flex;align-items:center;justify-content:space-between;gap:14px;background:rgba(11,37,69,.94);color:#fff;padding:12px 14px;border-radius:999px;box-shadow:0 18px 44px rgba(0,0,0,.24);backdrop-filter:blur(16px)}.sticky-cta span{font-weight:800;margin-left:10px}.footer{background:#081d33;color:#d8e6f3;margin-top:60px;padding:52px 0 90px}.footer h2{color:#fff;margin-top:0}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}.footer a{color:#d8e6f3}.resource-links{display:flex;flex-wrap:wrap;gap:10px;margin-top:24px}.resource-links a{border:1px solid rgba(255,255,255,.16);border-radius:999px;padding:9px 13px}.breadcrumbs{font-size:.94rem;margin-bottom:22px;color:#506277}.breadcrumbs a{color:#506277}.meta-row{display:flex;gap:10px;flex-wrap:wrap;margin:20px 0}.meta-pill{background:#eef5fb;color:#274a6c;border-radius:999px;padding:8px 12px;font-weight:800;font-size:.86rem}@media (max-width:980px){.nav{align-items:flex-start;flex-direction:column;padding:14px 0}.nav-links{gap:12px}.trust-grid,.cards,.related-grid,.review-grid{grid-template-columns:1fr 1fr}.layout{grid-template-columns:1fr}.toc{position:relative;top:0}.cta-panel{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr}.hero{min-height:580px}}@media (max-width:640px){.container{width:min(100% - 22px,1180px)}.hero-content{padding:72px 0 96px}.trust-grid,.cards,.related-grid,.review-grid{grid-template-columns:1fr}.nav-links a:not(.btn){display:none}.article-card{padding:20px}.sticky-cta{border-radius:24px;align-items:stretch;flex-direction:column}.sticky-cta span{margin:0;text-align:center}.btn{width:100%}}