:root{
  --bg:#f6f8fb;
  --card:#ffffff;
  --ink:#102033;
  --muted:#5e6c7b;
  --line:#dbe4ee;
  --brand:#174b8a;
  --brand2:#0f7c90;
  --soft:#eef5fc;
  --radius:18px;
  --shadow:0 14px 40px rgba(16,32,51,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;
  color:var(--ink);
  background:linear-gradient(180deg,#f8fbff 0%,#f6f8fb 100%);
  line-height:1.7;
}
a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{width:min(1180px,calc(100% - 32px));margin:0 auto}
.topbar{
  background:#0f2238;
  color:#d9e4ef;
  font-size:14px;
}
.topbar .wrap{display:flex;gap:18px;align-items:center;justify-content:space-between;padding:10px 0}
.topbar a{color:#fff}
header.site{
  position:sticky;top:0;z-index:20;
  backdrop-filter:blur(12px);
  background:rgba(255,255,255,.86);
  border-bottom:1px solid rgba(219,228,238,.9);
}
header.site .wrap{
  display:flex;align-items:center;justify-content:space-between;gap:18px;padding:16px 0
}
.brand{font-weight:800;font-size:22px;letter-spacing:-.02em;color:#102033}
.brand small{display:block;font-size:12px;color:var(--muted);font-weight:600}
.nav{display:flex;gap:18px;flex-wrap:wrap}
.nav a{font-weight:600;color:#253548}
.hero{
  padding:56px 0 28px;
}
.hero .panel{
  display:grid;grid-template-columns:1.25fr .75fr;gap:28px;
  background:linear-gradient(135deg,#ffffff 0%,#eef6ff 100%);
  border:1px solid var(--line);
  border-radius:28px;
  box-shadow:var(--shadow);
  overflow:hidden;
}
.hero-copy{padding:38px}
.hero-copy .eyebrow{
  display:inline-block;
  padding:8px 12px;
  border-radius:999px;
  background:#e8f0fb;
  color:var(--brand);
  font-weight:800;
  font-size:12px;
  letter-spacing:.08em;
  text-transform:uppercase;
}
.hero h1{font-size:clamp(34px,4vw,54px);line-height:1.04;letter-spacing:-.04em;margin:16px 0}
.hero p{font-size:18px;color:#314255;max-width:60ch}
.hero-art{
  padding:28px;
  display:grid;
  align-content:center;
  background:radial-gradient(circle at top right,#dff0f8 0%,#edf4fb 45%,#f8fbff 100%);
  border-left:1px solid var(--line);
}
.stat-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.stat{
  background:rgba(255,255,255,.76);
  border:1px solid var(--line);
  border-radius:22px;
  padding:18px;
}
.stat strong{display:block;font-size:26px;line-height:1.1}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.button{
  display:inline-flex;align-items:center;justify-content:center;
  border-radius:999px;padding:13px 18px;font-weight:800;border:1px solid transparent
}
.button.primary{background:linear-gradient(135deg,var(--brand),var(--brand2));color:white}
.button.secondary{background:white;border-color:var(--line);color:var(--ink)}
main{padding:22px 0 60px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.card{
  background:var(--card);
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:24px;
  box-shadow:var(--shadow);
}
.card h3{margin:0 0 8px;font-size:21px;letter-spacing:-.02em}
.card p{margin:0;color:#46576a}
.card ul{padding-left:18px;margin:14px 0 0}
.section{
  margin-top:26px;
  background:var(--card);
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:28px;
  box-shadow:var(--shadow);
}
.section h2{margin:0 0 12px;font-size:28px;letter-spacing:-.03em}
.section h3{margin-top:24px}
.section p{color:#33465b}
.breadcrumbs{font-size:14px;color:var(--muted);margin-bottom:10px}
.breadcrumbs a{color:var(--muted)}
.page-hero{
  padding:36px 0 0;
}
.page-hero .lead{
  color:#435569;
  max-width:72ch;
  font-size:18px
}
.layout{
  display:grid;
  grid-template-columns:minmax(0,1fr) 320px;
  gap:22px;
  align-items:start;
}
.sidebar{
  position:sticky; top:92px;
}
.related-list,.quick-list{display:grid;gap:10px}
.related-list a,.quick-list a{
  display:block;padding:12px 14px;border:1px solid var(--line);border-radius:14px;background:#fbfdff;font-weight:600;color:#213447
}
.form-block{
  display:grid;gap:12px
}
.form-block label{font-weight:700;font-size:14px}
.form-block input,.form-block textarea,.form-block select{
  width:100%;border:1px solid var(--line);border-radius:14px;padding:13px 14px;font:inherit;background:white
}
.form-block textarea{min-height:120px;resize:vertical}
.note{font-size:13px;color:var(--muted)}
.faq-list details{
  border:1px solid var(--line);
  border-radius:14px;
  padding:14px 16px;
  background:#fbfdff
}
.faq-list{display:grid;gap:12px}
.faq-list summary{font-weight:800;cursor:pointer}
.topic-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
footer{
  border-top:1px solid var(--line);
  background:#fff;
  margin-top:40px
}
footer .wrap{padding:28px 0;color:var(--muted);font-size:14px}
.small{font-size:14px;color:var(--muted)}
.hero-list{display:grid;gap:10px;padding-left:18px}
@media (max-width:1000px){
  .hero .panel,.layout{grid-template-columns:1fr}
  .sidebar{position:static}
  .grid-4{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:700px){
  .grid-3,.topic-grid,.grid-4{grid-template-columns:1fr}
  .hero-copy{padding:28px}
  .hero p,.page-hero .lead{font-size:17px}
  header.site .wrap{padding:12px 0}
  .nav{display:none}
}