:root{
  --navy:#0f2742;--navy-2:#163a5f;--ink:#1b2430;--muted:#5a6675;--line:#e3e8ef;
  --bg:#f6f8fb;--white:#fff;--accent:#f2a71b;--accent-2:#e08e00;--green:#1f9d6b;--red:#c0392b;
  --radius:14px;--shadow:0 10px 30px rgba(15,39,66,.10);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Segoe UI",system-ui,-apple-system,Roboto,Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.65;font-size:17px}
img{max-width:100%}
a{color:var(--navy-2)}
.container{max-width:1160px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:99}

/* Top strip */
.topbar{background:var(--navy);color:#dbe6f3;font-size:14px}
.topbar .container{display:flex;gap:18px;justify-content:space-between;align-items:center;padding:8px 20px;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:600;text-decoration:none}
.topbar .exit{background:var(--red);color:#fff;padding:4px 10px;border-radius:6px}

/* Header */
header.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
header.site .container{display:flex;align-items:center;justify-content:space-between;padding:12px 20px;gap:16px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy)}
.logo .mark{background:var(--navy);color:#fff;font-weight:800;border-radius:10px;padding:8px 10px;letter-spacing:.5px}
.logo .mark span{color:var(--accent)}
.logo .txt{line-height:1.15}
.logo .txt b{display:block;font-size:18px}
.logo .txt small{color:var(--muted);font-size:12.5px}
nav.main ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;align-items:center}
nav.main a{text-decoration:none;color:var(--ink);font-weight:600;font-size:15px;padding:8px 10px;border-radius:8px}
nav.main a:hover{background:var(--bg)}
.btn{display:inline-block;background:var(--accent);color:#1b1300!important;font-weight:800;text-decoration:none;padding:13px 22px;border-radius:10px;border:0;cursor:pointer;font-size:16px;box-shadow:0 4px 0 var(--accent-2)}
.btn:hover{filter:brightness(1.05)}
.btn.ghost{background:transparent;color:#fff!important;border:2px solid rgba(255,255,255,.6);box-shadow:none}
.btn.navy{background:var(--navy);color:#fff!important;box-shadow:0 4px 0 #071526}
.btn.sm{padding:9px 14px;font-size:14px}
.menu-toggle{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font-size:15px;font-weight:700}

/* Hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 60%,#1f4f7d 100%);color:#fff;padding:64px 0 56px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:rgba(242,167,27,.12)}
.hero .grid{display:grid;grid-template-columns:1.25fr .9fr;gap:40px;align-items:center;position:relative;z-index:1}
.hero h1{font-size:44px;line-height:1.12;margin:0 0 16px}
.hero h1 em{font-style:normal;color:var(--accent)}
.hero p.lead{font-size:19px;color:#dbe6f3;margin:0 0 22px}
.badges{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 26px;padding:0;list-style:none}
.badges li{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);padding:7px 12px;border-radius:999px;font-weight:600;font-size:14.5px}
.badges li:before{content:"✔ ";color:var(--accent)}
.hero .cta{display:flex;gap:12px;flex-wrap:wrap}
.hero-card{background:#fff;color:var(--ink);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.hero-card h2{margin:0 0 6px;font-size:22px;color:var(--navy)}
.hero-card p{margin:0 0 14px;color:var(--muted);font-size:15px}

/* Forms */
.form label{display:block;font-weight:700;font-size:14.5px;margin:12px 0 5px}
.form input,.form select,.form textarea{width:100%;padding:12px;border:1px solid #cfd8e3;border-radius:9px;font:inherit;font-size:16px;background:#fff}
.form textarea{min-height:130px;resize:vertical}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.form .check{display:flex;gap:10px;align-items:flex-start;font-weight:500;font-size:14.5px}
.form .check input{width:auto;margin-top:5px}
.form .hp{position:absolute;left:-9999px}
.form button{width:100%;margin-top:16px}
.form .small{font-size:13px;color:var(--muted);margin-top:10px}
fieldset{border:1px solid var(--line);border-radius:12px;padding:6px 18px 18px;margin:18px 0}
legend{font-weight:800;color:var(--navy);padding:0 8px}

/* Sections */
section{padding:60px 0}
section.alt{background:var(--bg)}
.section-head{max-width:780px;margin:0 0 30px}
.section-head h2{font-size:34px;line-height:1.2;margin:0 0 10px;color:var(--navy)}
.section-head p{color:var(--muted);margin:0;font-size:18px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 2px 0 rgba(15,39,66,.03)}
.card h3{margin:0 0 8px;color:var(--navy);font-size:20px}
.card p{margin:0 0 10px;color:var(--muted)}
.card a.more{font-weight:700;text-decoration:none}
.card .ic{width:44px;height:44px;border-radius:12px;background:#fff4dd;display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:12px}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.step{background:#fff;border-radius:var(--radius);padding:22px;border:1px solid var(--line);position:relative}
.step:before{counter-increment:s;content:counter(s);position:absolute;top:-14px;left:18px;background:var(--accent);color:#1b1300;font-weight:800;width:32px;height:32px;border-radius:50%;display:flex;align-items:center;justify-content:center}
.step h3{margin:10px 0 6px;font-size:18px;color:var(--navy)}
.step p{margin:0;color:var(--muted);font-size:15.5px}
.alert{border-left:5px solid var(--red);background:#fdf1ef;padding:16px 20px;border-radius:10px;margin:20px 0}
.alert.info{border-color:var(--navy-2);background:#eef4fb}
.alert.ok{border-color:var(--green);background:#ecf8f2}
.alert b{color:var(--navy)}
.band{background:var(--accent);padding:34px 0}
.band .container{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap}
.band h2{margin:0;font-size:28px;color:#1b1300}
.band p{margin:4px 0 0;color:#3b2a00}

/* Article */
.page-hero{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;padding:44px 0 38px}
.page-hero h1{margin:0 0 10px;font-size:38px;line-height:1.15}
.page-hero p{margin:0;color:#dbe6f3;font-size:18px;max-width:820px}
.crumbs{font-size:14px;margin-bottom:12px;color:#b9cbe0}
.crumbs a{color:#fff}
.layout{display:grid;grid-template-columns:1fr 340px;gap:40px;padding:44px 0}
article h2{color:var(--navy);font-size:27px;margin:34px 0 10px;line-height:1.25}
article h3{color:var(--navy-2);font-size:20px;margin:24px 0 8px}
article ul,article ol{padding-left:22px}
article li{margin:6px 0}
aside .sticky{position:sticky;top:96px}
aside .box{background:var(--bg);border:1px solid var(--line);border-radius:var(--radius);padding:22px;margin-bottom:18px}
aside .box h3{margin:0 0 8px;color:var(--navy)}
aside .box ul{padding-left:18px;margin:0}
table.tbl{width:100%;border-collapse:collapse;margin:16px 0;font-size:15.5px}
table.tbl th,table.tbl td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
table.tbl th{background:var(--bg);color:var(--navy)}

/* FAQ */
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0 18px;margin:10px 0}
details summary{cursor:pointer;font-weight:700;padding:16px 0;color:var(--navy);list-style:none}
details summary::-webkit-details-marker{display:none}
details summary:after{content:"+";float:right;font-size:22px;line-height:1}
details[open] summary:after{content:"–"}
details p{margin:0 0 16px;color:var(--muted)}

/* Areas */
.areas-grid{columns:4;column-gap:24px}
.areas-grid a{display:block;padding:3px 0;text-decoration:none;font-size:15.5px}
.areas-grid a:hover{text-decoration:underline}
.region h3{color:var(--navy);margin:28px 0 8px;border-bottom:2px solid var(--accent);display:inline-block}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin:10px 0}
.chips a{background:var(--bg);border:1px solid var(--line);padding:5px 11px;border-radius:999px;text-decoration:none;font-size:14px}

/* Footer */
footer.site{background:#0b1d32;color:#b9c7d8;padding:48px 0 24px;font-size:15px}
footer.site .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px}
footer.site h4{color:#fff;margin:0 0 10px}
footer.site a{color:#dbe6f3;text-decoration:none}
footer.site ul{list-style:none;padding:0;margin:0}
footer.site li{margin:6px 0}
footer.site .legal{border-top:1px solid #213752;margin-top:30px;padding-top:18px;font-size:13px;color:#8fa2b8}
.mobile-cta{display:none}

@media (max-width:980px){
  .hero .grid,.layout{grid-template-columns:1fr}
  .cards{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  footer.site .cols{grid-template-columns:1fr 1fr}
  .areas-grid{columns:3}
  aside .sticky{position:static}
}
@media (max-width:760px){
  body{font-size:16px}
  .menu-toggle{display:block}
  nav.main{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line)}
  nav.main.open{display:block}
  nav.main ul{flex-direction:column;align-items:stretch;padding:10px 20px}
  .hero{padding:40px 0}
  .hero h1{font-size:31px}
  .page-hero h1{font-size:29px}
  .section-head h2{font-size:27px}
  .cards,.steps{grid-template-columns:1fr}
  .form .row{grid-template-columns:1fr}
  .areas-grid{columns:2}
  footer.site .cols{grid-template-columns:1fr}
  .mobile-cta{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:60;gap:0;box-shadow:0 -4px 16px rgba(0,0,0,.15)}
  .mobile-cta a{flex:1;text-align:center;padding:15px 8px;font-weight:800;text-decoration:none}
  .mobile-cta a.a1{background:var(--accent);color:#1b1300}
  .mobile-cta a.a2{background:var(--navy);color:#fff}
  body{padding-bottom:56px}
  .topbar .hide-sm{display:none}
}