:root{--navy:#001c45;--navy2:#0a2d63;--orange:#fe9700;--ink:#12213a;--muted:#4a5a73;--bg:#ffffff;--alt:#f3f6fb;--line:#d9e0ec}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg)}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
a{color:#0b4bb3}
a:focus-visible,.btn:focus-visible{outline:3px solid var(--orange);outline-offset:2px}
.bar{background:var(--navy);color:#fff}
.bar .wrap{display:flex;align-items:center;justify-content:space-between;min-height:60px}
.brand{color:#fff;text-decoration:none;font-weight:800;letter-spacing:.14em}
.btn{display:inline-block;background:var(--orange);color:var(--navy);font-weight:700;text-decoration:none;padding:13px 22px;border-radius:10px;border:2px solid var(--orange)}
.btn:hover{filter:brightness(1.06)}
.btn.small{padding:8px 14px;font-size:15px}
.btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}
.hero{background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;padding:72px 0 64px}
.eyebrow{color:var(--orange);font-weight:700;letter-spacing:.08em;text-transform:uppercase;font-size:14px;margin:0 0 12px}
h1{font-size:clamp(34px,6vw,56px);line-height:1.1;margin:0 0 18px}
.lead{font-size:20px;max-width:680px;margin:0 0 28px;color:#e5ecf8}
.cta{display:flex;flex-wrap:wrap;gap:12px;margin:0 0 18px}
.note{color:#b9c8e2;font-size:15px;margin:0}
.block{padding:56px 20px}
.alt{max-width:none;background:var(--alt);padding-left:0;padding-right:0}
.alt>*{max-width:1000px;margin-left:auto;margin-right:auto;padding:0 20px}
h2{font-size:clamp(26px,4vw,34px);line-height:1.2;margin:0 0 24px;color:var(--navy)}
h3{margin:0 0 6px;font-size:19px;color:var(--navy)}
.cards,.checks{list-style:none;margin:0;padding:0}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px}
.cards li{border:1px solid var(--line);border-radius:14px;padding:20px;background:#fff}
.cards p,.cols p{margin:0;color:var(--muted)}
.cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:24px}
.checks li{position:relative;padding:6px 0 6px 30px}
.checks li::before{content:"";position:absolute;left:0;top:14px;width:14px;height:8px;border-left:3px solid var(--orange);border-bottom:3px solid var(--orange);transform:rotate(-45deg)}
.small{font-size:15px;color:var(--muted)}
footer{background:var(--navy);color:#cfdaee;padding:28px 0;font-size:15px}
footer p{margin:4px 0}
footer a{color:#fff}
.legal{background:var(--bg)}
.doc{padding:36px 20px 56px;max-width:820px}
.doc h1{color:var(--navy);font-size:clamp(28px,5vw,40px)}
.doc h2{margin-top:36px;font-size:24px}
.doc blockquote{margin:16px 0;padding:10px 16px;border-left:4px solid var(--orange);background:var(--alt);color:var(--muted)}
.doc .table{overflow-x:auto}
.doc table{border-collapse:collapse;width:100%;font-size:15px}
.doc th,.doc td{border:1px solid var(--line);padding:8px 10px;text-align:left;vertical-align:top}
.doc th{background:var(--alt)}
@media (prefers-reduced-motion:no-preference){.btn{transition:filter .15s}}