:root{--ink:#071A33;--fl:#D9480F;--flh:#B93A0A;--gold:#C8962E;--bg:#F3F6FB;--t:#16202E;--m:#556070;--b:#DCE3EE}
*,::before,::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font:400 1.0625rem/1.7 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--t);background:#fff}
img,svg{max-width:100%;height:auto}
a{color:#0A58B0;text-underline-offset:3px}a:hover{color:var(--ink)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:.7rem 1rem;z-index:100}.skip:focus{left:0}
.wrap{max-width:1120px;margin:0 auto;padding:0 1.25rem}
h1,h2,h3{color:var(--ink);line-height:1.12;margin:0 0 .6em;font-weight:800;letter-spacing:-.025em}
h1{font-size:clamp(2.15rem,5.2vw,3.5rem);line-height:1.05;letter-spacing:-.035em}
h2{font-size:clamp(1.55rem,3.4vw,2.2rem)}h3{font-size:1.2rem;letter-spacing:-.01em}
p,ul,ol{margin:0 0 1.1em}main p,main li{max-width:74ch}
header.site{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-top:3px solid var(--gold);box-shadow:0 1px 0 var(--b)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:1.5rem;min-height:72px}
.logo img{display:block;height:42px;width:auto}
nav ul{display:flex;gap:1.6rem;list-style:none;margin:0;padding:0}
nav a{display:inline-block;padding:.8rem 0;color:var(--ink);font-weight:700;text-decoration:none;border-bottom:2px solid transparent}nav a:hover{border-bottom-color:var(--gold)}
.hdc{display:flex;flex-direction:column;align-items:flex-end;text-decoration:none;line-height:1.15}.hdc small{font-size:.78rem;color:var(--m)}.hdc b{font-size:1.4rem;color:var(--fl)}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:.8rem 1.6rem;border-radius:8px;background:var(--fl);color:#fff;font-weight:800;text-decoration:none;border:2px solid var(--fl);box-shadow:0 6px 18px rgba(217,72,15,.35)}
.btn:hover{background:var(--flh);border-color:var(--flh);color:#fff}
.btn.xl{min-height:62px;padding:.9rem 2rem;font-size:1.2rem}
.btn.alt{background:transparent;color:#fff;border-color:#8FA6C8;box-shadow:none}.btn.alt:hover{background:#fff;color:var(--ink);border-color:#fff}
.acts{display:flex;flex-wrap:wrap;gap:.8rem}
.hero{background:radial-gradient(900px 420px at 88% -10%,#1B4580 0,transparent 62%),var(--ink);color:#DCE6F5;padding:3.5rem 0 3.75rem;border-bottom:4px solid var(--gold)}
.hg{display:grid;gap:2.5rem;grid-template-columns:1.1fr .9fr;align-items:center}
.hero h1{color:#fff;margin-bottom:.5em}.hero .lead{font-size:1.2rem;max-width:56ch;margin-bottom:1.75rem}
.hp{position:relative;background:#fff;color:var(--t);border-radius:10px;padding:1.7rem 1.5rem 1.3rem;box-shadow:0 24px 60px rgba(0,0,0,.4);overflow:hidden}
.hp::before{content:"";position:absolute;left:0;right:0;top:0;height:10px;background:repeating-linear-gradient(45deg,#FACC15 0 12px,#16202E 12px 24px)}
.hp h2{margin:.4rem 0 .8rem;font-size:1.5rem;color:#B42318}
.hp ol{list-style:none;counter-reset:p;margin:0 0 .8rem;padding:0}
.hp li{counter-increment:p;position:relative;padding:.45rem 0 .45rem 2.5rem;max-width:none}
.hp li::before{content:counter(p);position:absolute;left:0;top:.45rem;width:1.7rem;height:1.7rem;border-radius:50%;background:var(--ink);color:#fff;font-weight:800;display:grid;place-items:center;font-size:.95rem}
.hp p{margin:0;font-size:.95rem;color:var(--m)}
.tb{background:#fff;border-bottom:1px solid var(--b)}
.tb ul{list-style:none;margin:0;padding:1.1rem 0;display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:.6rem 1.5rem}
.tb li{display:flex;align-items:center;gap:.6rem;font-weight:700;color:var(--ink);max-width:none}
.tb li::before{content:"";flex:none;width:24px;height:24px;background:var(--gold);-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M12 2a10 10 0 100 20 10 10 0 000-20zm-1.5 14.5-4-4 1.4-1.4 2.6 2.6 5.6-5.6 1.4 1.4z'/%3E%3C/svg%3E") center/contain no-repeat;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M12 2a10 10 0 100 20 10 10 0 000-20zm-1.5 14.5-4-4 1.4-1.4 2.6 2.6 5.6-5.6 1.4 1.4z'/%3E%3C/svg%3E") center/contain no-repeat}
.sec{padding:3.5rem 0}.sec.alt{background:var(--bg)}
.sec h2::before{content:"";display:block;width:48px;height:4px;background:var(--gold);margin-bottom:.8rem}
.grid{display:grid;gap:1rem;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));padding:0;list-style:none}
.card{display:block;height:100%;padding:1.15rem 1.25rem;background:#fff;border:1px solid var(--b);border-left:4px solid var(--gold);border-radius:8px;color:var(--t);text-decoration:none;transition:box-shadow .2s,border-color .2s}
.card:hover{border-left-color:var(--fl);box-shadow:0 10px 28px rgba(7,26,51,.12)}.card b{display:block;color:var(--ink);font-size:1.1rem;margin-bottom:.15rem}.card span{font-size:.97rem;color:var(--m)}
.steps{counter-reset:s;list-style:none;padding:0;display:grid;gap:1.5rem;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.steps li{counter-increment:s;padding:1rem 0 0;border-top:3px solid var(--ink)}.steps li::before{content:counter(s);display:block;font-weight:800;font-size:2.2rem;line-height:1;color:var(--fl);margin-bottom:.4rem}
.tbl{overflow-x:auto;border:1px solid var(--b);border-radius:8px}table{border-collapse:collapse;width:100%;min-width:480px;background:#fff}th,td{text-align:left;padding:.85rem 1rem;border-bottom:1px solid var(--b);vertical-align:top}th{background:var(--ink);color:#fff}tr:last-child td{border-bottom:0}
.faq details{border:1px solid var(--b);border-radius:8px;margin:0 0 .7rem;background:#fff}
.faq summary{cursor:pointer;font-weight:700;color:var(--ink);padding:1rem 1.2rem;min-height:48px;display:flex;justify-content:space-between;gap:1rem;list-style:none}
.faq summary::-webkit-details-marker{display:none}.faq summary::after{content:"+";font-size:1.5rem;line-height:1;color:var(--gold)}.faq details[open] summary::after{content:"\2212"}.faq details>div{padding:0 1.2rem .6rem}
.cta{background:linear-gradient(135deg,var(--ink),#123663);color:#DCE6F5;text-align:center;padding:3.5rem 0;border-top:4px solid var(--gold)}.cta h2{color:#fff}.cta h2::before{display:none}.cta .acts{justify-content:center}
.crumbs{font-size:.9rem;padding:.8rem 1.25rem;color:var(--m)}.crumbs ol{display:flex;flex-wrap:wrap;list-style:none;margin:0;padding:0}.crumbs li+li::before{content:"\203A";margin:0 .5rem}.crumbs a{color:var(--m)}
.links{display:flex;flex-wrap:wrap;gap:.6rem;list-style:none;padding:0}.links a{display:inline-block;padding:.55rem 1rem;border:1px solid var(--b);border-radius:999px;background:#fff;color:var(--ink);text-decoration:none;font-weight:600}.links a:hover{border-color:var(--gold);background:#FFF9EA}
footer.site{background:#050F1F;color:#B9C6DA;padding:3.25rem 0 2rem;border-top:4px solid var(--gold)}footer.site a{color:#fff}footer.site h2{font-size:1rem;color:var(--gold);margin:0 0 .7rem;letter-spacing:0}
.fg{display:grid;gap:2rem;grid-template-columns:repeat(auto-fit,minmax(210px,1fr))}footer ul{list-style:none;padding:0;margin:0}footer li{padding:.22rem 0}.copy{margin:2rem 0 0;padding-top:1.2rem;border-top:1px solid #1F3354;font-size:.9rem}
.sm{font-size:.95rem;margin:0 0 .8rem}footer .logo-f{display:block;height:38px;width:auto;margin-bottom:.9rem}
.sticky{display:none}
@media(max-width:860px){.hg{grid-template-columns:1fr}}
@media(max-width:760px){.hdc{display:none}.bar{flex-wrap:wrap;gap:0;min-height:0}.logo{padding:.5rem 0}.logo img{height:34px}nav{order:3;width:100%;overflow-x:auto}nav ul{gap:1.1rem;white-space:nowrap}.hero{padding:2.25rem 0 2.5rem}.sec{padding:2.5rem 0}
.sticky{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;padding:.6rem .75rem calc(.6rem + env(safe-area-inset-bottom));background:#fff;border-top:1px solid var(--b)}.sticky .btn{width:100%}footer.site{padding-bottom:5.5rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.card{transition:none}}