:root{--bg:#f4f7fb;--card:#fff;--ink:#0d1b34;--muted:#65748c;--blue:#1769e8;--blue2:#3b8cff;--gold:#f2b84b;--line:#dce5f0;--navy:#081a33;--soft:#eef4fb;--shadow:0 18px 45px rgba(14,40,76,.10);--radius:22px;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Arial,Helvetica,sans-serif;color:var(--ink);background:linear-gradient(180deg,#f8fbff,#f2f6fb);line-height:1.65}a{text-decoration:none;color:inherit}img{max-width:100%;display:block}.wrap{width:min(var(--max),calc(100% - 30px));margin:auto}
.top{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}.nav{min-height:76px;display:flex;align-items:center;gap:24px}.brand img{width:205px;max-height:52px;object-fit:contain}.links{display:flex;gap:20px;margin-left:auto}.links a{font-size:14px;color:#31415c;font-weight:700}.links a:hover,.links .active{color:var(--blue)}.nav-actions{display:flex;gap:10px}.menu{display:none;border:1px solid var(--line);background:white;border-radius:12px;padding:9px 12px;font-size:18px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;padding:12px 19px;border-radius:13px;font-weight:800;border:1px solid var(--line);transition:.22s ease}.btn:hover{transform:translateY(-2px)}.btn-blue{background:linear-gradient(135deg,var(--blue),var(--blue2));color:#fff;border:0;box-shadow:0 10px 26px rgba(23,105,232,.22)}.btn-gold{background:linear-gradient(135deg,#ffd56c,var(--gold));color:#172236;border:0}.btn-light{background:#fff}
.hero{padding:42px 0 28px}.hero-card{background:#fff;border:1px solid var(--line);border-radius:28px;box-shadow:var(--shadow);overflow:hidden;display:grid;grid-template-columns:1.03fr .97fr;min-height:520px}.hero-copy{padding:50px 48px;display:flex;flex-direction:column;justify-content:center}.eyebrow{display:inline-flex;width:max-content;align-items:center;gap:7px;padding:8px 12px;border-radius:999px;background:#fff7df;border:1px solid #f3d88d;color:#76550c;font-size:13px;font-weight:800}.hero h1{font-size:clamp(42px,6vw,74px);line-height:1.02;margin:18px 0}.hero h1 span{color:var(--blue)}.lead{font-size:18px;color:#586a83;max-width:620px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}.trust-row{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-top:28px}.trust{background:var(--soft);border:1px solid #dfe9f4;padding:12px;border-radius:14px;font-size:13px;font-weight:700}.hero-media{position:relative;background:#dfeeff;min-height:100%}.hero-media img{width:100%;height:100%;object-fit:cover}.hero-media:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(255,255,255,.25),transparent 20%)}
.quick{padding:18px 0 8px}.quick-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}.quick-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:17px;box-shadow:0 8px 22px rgba(14,40,76,.05)}.quick-card b{display:block;font-size:16px}.quick-card span{color:var(--muted);font-size:13px}
.section{padding:52px 0}.section.alt{background:#eaf1f9;border-top:1px solid #dbe6f0;border-bottom:1px solid #dbe6f0}.section-head{display:flex;align-items:end;justify-content:space-between;gap:24px;margin-bottom:24px}.section h2{font-size:clamp(28px,4vw,42px);line-height:1.12;margin:0 0 10px}.muted{color:var(--muted)}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:24px;box-shadow:0 12px 30px rgba(14,40,76,.06)}.card h3{margin:4px 0 8px}.icon{width:46px;height:46px;border-radius:14px;display:grid;place-items:center;background:#e9f2ff;color:var(--blue);font-size:22px;margin-bottom:14px}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.step{background:#fff;border:1px solid var(--line);border-radius:18px;padding:20px}.step b{width:36px;height:36px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:#fff;margin-bottom:10px}.info-table{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--line);border-radius:18px;overflow:hidden;background:#fff}.info-table div{padding:16px 18px;border-bottom:1px solid var(--line)}.info-table div:nth-child(odd){font-weight:800;background:#f7fafe}.info-table div:nth-last-child(-n+2){border-bottom:0}.cta{display:flex;justify-content:space-between;align-items:center;gap:24px;padding:26px;border-radius:22px;background:linear-gradient(135deg,#0b1f3e,#123b72);color:#fff}.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:15px 18px;margin-bottom:10px}.faq summary{font-weight:800;cursor:pointer}.footer{background:#0a1830;color:#cfdbeb;padding:36px 0 22px}.foot-grid{display:grid;grid-template-columns:1.3fr repeat(3,1fr);gap:24px}.foot-grid h4{margin-top:0;color:#fff}.foot-grid a{display:block;margin:7px 0;color:#b7c7da}.copyright{border-top:1px solid #263a55;margin-top:26px;padding-top:16px;font-size:13px;color:#8fa3bd;display:flex;justify-content:space-between;gap:20px}.breadcrumb{padding-top:20px;color:#71849b;font-size:14px}.article{max-width:900px;margin:auto}.article h1{font-size:clamp(38px,5vw,58px);line-height:1.08}.article h2{margin-top:32px}.note{padding:16px 18px;background:#eef5ff;border:1px solid #cfe0f7;border-radius:14px}
.reveal{opacity:0;transform:translateY(18px);transition:.6s ease}.reveal.show{opacity:1;transform:none}
@media(max-width:980px){.links,.nav-actions{display:none}.menu{display:block;margin-left:auto}.nav.open{flex-wrap:wrap}.nav.open .links,.nav.open .nav-actions{display:flex;width:100%;flex-direction:column}.hero-card{grid-template-columns:1fr}.hero-media{min-height:360px}.trust-row,.quick-grid,.steps,.grid3,.grid2,.foot-grid{grid-template-columns:1fr 1fr}.copyright,.cta{flex-direction:column;align-items:flex-start}}
@media(max-width:640px){.hero-copy{padding:34px 24px}.trust-row,.quick-grid,.steps,.grid3,.grid2,.foot-grid,.info-table{grid-template-columns:1fr}.hero h1{font-size:44px}.brand img{width:180px}.hero-media{min-height:300px}.info-table div{border-bottom:1px solid var(--line)!important}.info-table div:last-child{border-bottom:0!important}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important}.reveal{opacity:1;transform:none;transition:none}.btn:hover{transform:none}}