:root{--navy:#0c2b5e;--gold:#c9933e;--ink:#243247;--muted:#64748b;--bg:#f8fafc;--line:#e2e8f0}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Heebo,Arial,sans-serif;background:var(--bg);color:var(--ink);line-height:1.75}.wrap{width:min(1120px,calc(100% - 32px));margin:auto}.topbar{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}.topbar-inner{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;text-decoration:none;color:var(--navy);font-weight:800}.brand img{width:104px;height:auto;display:block}.nav{display:flex;align-items:center;gap:18px;flex-wrap:wrap}.nav a{color:var(--navy);text-decoration:none;font-weight:600}.nav .cta{background:var(--navy);color:#fff;padding:10px 18px;border-radius:10px}.hero{background:linear-gradient(135deg,#eef4fb 0%,#fff 60%);padding:72px 0 58px;border-bottom:1px solid var(--line)}.eyebrow{display:inline-block;color:#8b6427;font-weight:800;background:#fff7e8;border:1px solid #f2ddb9;padding:5px 12px;border-radius:999px;margin-bottom:14px}.hero h1{font-size:clamp(34px,5vw,58px);line-height:1.12;color:var(--navy);margin:0 0 18px;max-width:900px}.lead{font-size:clamp(18px,2.2vw,23px);max-width:850px;color:#475569;margin:0 0 28px}.actions{display:flex;gap:12px;flex-wrap:wrap}.btn{display:inline-block;text-decoration:none;padding:12px 20px;border-radius:10px;font-weight:800}.btn-primary{background:var(--navy);color:#fff}.btn-secondary{background:#fff;color:var(--navy);border:1px solid #cbd5e1}.main{padding:58px 0}.grid{display:grid;grid-template-columns:2fr 1fr;gap:36px}.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:28px;box-shadow:0 8px 28px rgba(12,43,94,.05);margin-bottom:24px}.card h2{color:var(--navy);font-size:28px;line-height:1.3;margin:0 0 14px}.card h3{color:var(--navy);font-size:21px;margin:22px 0 8px}.card ul{padding-right:22px}.card li{margin:6px 0}.sidebox{position:sticky;top:102px}.sidebox h2{font-size:23px}.contact-line{margin:10px 0}.contact-line a{color:var(--navy);font-weight:700;text-decoration:none}.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:15px 18px;margin:10px 0}.faq summary{cursor:pointer;color:var(--navy);font-weight:800}.related{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.related a{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px;color:var(--navy);font-weight:800;text-decoration:none}.note{font-size:14px;color:var(--muted)}footer{background:var(--navy);color:#dbe7f5;padding:34px 0;margin-top:48px}footer a{color:#fff}.breadcrumbs{font-size:14px;color:var(--muted);margin-bottom:18px}.breadcrumbs a{color:var(--navy);text-decoration:none}@media(max-width:820px){.grid{grid-template-columns:1fr}.sidebox{position:static}.related{grid-template-columns:1fr}.nav a:not(.cta){display:none}.topbar-inner{min-height:68px}.brand img{width:88px}.hero{padding:50px 0 42px}.main{padding:38px 0}.card{padding:22px}}