:root{--navy:#12213a;--navy2:#1b3152;--red:#c92532;--ink:#182238;--muted:#617086;--soft:#f3f6f9;--line:#dfe5eb;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.72;background:var(--white)}a{color:inherit}.top{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line)}.bar{width:min(1180px,92%);height:78px;margin:auto;display:flex;align-items:center;justify-content:space-between}.logo{width:138px;display:block}.nav{display:flex;gap:20px;align-items:center;font-weight:750}.nav a{text-decoration:none}.nav .cta,.btn{background:var(--red);color:#fff;padding:11px 17px;border-radius:7px;text-decoration:none}.hero{background:linear-gradient(120deg,var(--navy),var(--navy2));color:#fff;padding:76px 0}.wrap{width:min(1080px,90%);margin:auto}.crumb{font-size:.82rem;color:#c7d1df}.eyebrow{text-transform:uppercase;letter-spacing:.1em;font-size:.74rem;font-weight:800;color:#f09da3;margin-top:22px}.hero h1{font-size:clamp(2.15rem,5vw,3.75rem);line-height:1.07;max-width:900px;margin:14px 0 18px}.lead{font-size:1.16rem;max-width:840px;color:#e1e8f1}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.ghost{border:1px solid rgba(255,255,255,.55);padding:10px 16px;border-radius:7px;text-decoration:none;font-weight:700}main section{padding:64px 0}.soft{background:var(--soft)}h2{font-size:clamp(1.65rem,3vw,2.3rem);line-height:1.22;margin:0 0 18px}h3{line-height:1.25}.grid{display:grid;grid-template-columns:1.05fr .95fr;gap:46px}.panel{background:#fff;border:1px solid var(--line);border-radius:14px;padding:28px;box-shadow:0 10px 32px rgba(18,33,58,.07)}.panel ul,.content ul{margin:0;padding-left:20px}.panel li+li,.content li+li{margin-top:8px}.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:26px}.fact{background:#fff;border:1px solid var(--line);border-top:4px solid var(--red);padding:20px}.fact b{display:block;margin-bottom:7px}.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}.step{background:#fff;border:1px solid var(--line);padding:20px}.step b{display:block;color:var(--red);margin-bottom:7px}.faq details{border-bottom:1px solid var(--line);padding:18px 0}.faq summary{font-weight:800;cursor:pointer}.related{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.related a{display:block;background:#fff;border:1px solid var(--line);border-radius:10px;padding:18px;text-decoration:none;font-weight:750}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.card{display:block;border:1px solid var(--line);border-radius:12px;padding:22px;text-decoration:none;background:#fff;transition:.2s}.card:hover{transform:translateY(-3px);box-shadow:0 12px 30px rgba(18,33,58,.09)}.card small{color:var(--red);font-weight:800;text-transform:uppercase;letter-spacing:.07em}.card h2{font-size:1.25rem;margin:10px 0}.ctaBand{background:var(--navy);color:#fff;text-align:center}.ctaBand p{color:#c8d1de}.btn{display:inline-block;margin-top:10px}footer{background:#0b1526;color:#c8d1de;padding:30px;text-align:center}.note{font-size:.86rem;color:var(--muted);border-left:3px solid var(--red);padding-left:14px}@media(max-width:880px){.grid,.steps,.facts,.cards,.related{grid-template-columns:1fr}.nav a:not(.cta){display:none}.hero{padding:56px 0}}