:root{
  --ink:#0e1a2b;--paper:#eef2f7;--card:#ffffff;--line:#d7dfea;
  --navy:#0b2a5b;--accent:#e1ad2f;--mut:#5a6b82;--maxw:1120px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{background:var(--paper);color:var(--ink);font-family:"Plus Jakarta Sans","Segoe UI",system-ui,sans-serif;line-height:1.7}
a{color:inherit;text-decoration:none}
img{max-width:100%;height:auto;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
ul.list{margin:14px 0 0 22px}
ul.list li{margin-bottom:10px}
b,strong{color:var(--navy)}

header.site{position:sticky;top:0;z-index:60;background:#fff;box-shadow:0 2px 14px rgba(11,42,91,.06)}
.top{display:flex;align-items:center;justify-content:space-between;height:68px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;color:var(--navy)}
.logo .ico{width:38px;height:38px;border-radius:9px;display:grid;place-items:center;color:#fff;font-weight:900;background:var(--navy)}
.logo .word{font-size:1.3rem;letter-spacing:.02em}
.logo .word small{display:block;font-size:.62rem;font-weight:600;color:var(--accent);letter-spacing:.16em;text-transform:uppercase}
nav.main{display:flex;gap:20px;align-items:center;font-size:.93rem}
nav.main a{color:var(--mut);font-weight:600;padding:6px 2px;border-bottom:2px solid transparent}
nav.main a:hover,nav.main a.active{color:var(--navy);border-color:var(--accent)}
.nav-toggle{display:none;background:none;border:0;font-size:1.7rem;color:var(--navy);cursor:pointer}

.btn{display:inline-block;background:var(--accent);color:#16180c;padding:12px 28px;border-radius:8px;font-weight:800;font-size:.95rem;transition:transform .15s,box-shadow .15s}
.btn:hover{transform:translateY(-2px);box-shadow:0 10px 22px rgba(225,173,47,.35)}
.btn.ghost{background:transparent;color:var(--navy);border:1.5px solid var(--navy)}
.btn.sm{padding:8px 16px;font-size:.85rem}

.hero{padding:74px 0 62px;background:linear-gradient(120deg,#0b2a5b 0%,#123c78 55%,#1a4a8f 100%);color:#fff;overflow:hidden}
.hero .wrap{position:relative}
.eyebrow{display:inline-block;color:var(--accent);font-weight:800;letter-spacing:.16em;font-size:.8rem;margin-bottom:16px;border:1px solid rgba(255,255,255,.25);padding:6px 14px;border-radius:999px}
.hero h1{font-size:clamp(2.3rem,5.6vw,3.8rem);line-height:1.08;font-weight:900;max-width:760px}
.hero .sub{margin:22px 0 0;max-width:620px;color:#dbe6f5;font-size:1.06rem}
.hero .cta-row{margin-top:30px;display:flex;gap:14px;flex-wrap:wrap}
.hero .btn{background:var(--accent);color:#16180c}
.hero .btn.ghost{color:#fff;border-color:rgba(255,255,255,.7)}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:44px;max-width:860px}
.stat{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);border-radius:12px;padding:16px 18px}
.stat b{display:block;font-size:1.5rem;color:#fff;font-weight:900}
.stat span{font-size:.82rem;color:#c9d8ee}

section.blk{padding:62px 0}
section.blk.alt{background:#e3eaf3}
h2.sec{font-size:1.75rem;font-weight:900;margin-bottom:10px;color:var(--navy)}
p.sec-sub{color:var(--mut);margin-bottom:32px;max-width:660px}
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:26px;box-shadow:0 8px 20px rgba(11,42,91,.05);border-top:4px solid var(--accent)}
.card h3{font-size:1.12rem;margin-bottom:8px;color:var(--navy)}
.card p{color:var(--mut);font-size:.95rem}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:start}
.panel{background:#fff;border:1px solid var(--line);border-radius:14px;padding:28px;box-shadow:0 8px 20px rgba(11,42,91,.05)}
.ph-line{padding:13px 0;border-bottom:1px dashed var(--line);font-size:.94rem}
.ph-line:last-child{border-bottom:0}
.ph-line b{display:block;color:var(--navy);margin-bottom:2px}
.note{background:#fbf3dc;border-left:4px solid var(--accent);padding:16px 20px;border-radius:8px;color:#6b5a22;font-size:.92rem;margin-top:26px}
.chips{display:flex;gap:10px;flex-wrap:wrap;margin:16px 0}
.chips span{background:#fff;border:1px solid var(--line);padding:7px 16px;border-radius:999px;color:var(--navy);font-weight:600}
.narrow{max-width:820px!important}
.risk{background:#0b2a5b;color:#fff;padding:26px 30px;border-radius:14px;font-size:.85rem;margin-top:30px}

.phead{padding:54px 0 30px;border-bottom:1px solid var(--line);background:#fff}
.phead h1{font-size:clamp(1.9rem,4.4vw,2.9rem);color:var(--navy);font-weight:900;line-height:1.15}
.lede{margin-top:16px;max-width:700px;color:var(--mut);font-size:1.05rem}
.crumb{font-size:.85rem;color:var(--mut);margin-bottom:18px}
.crumb a{color:var(--navy);font-weight:600}

.cta-card{background:linear-gradient(120deg,#0b2a5b,#1a4a8f);color:#fff;border-radius:18px;padding:44px 40px;text-align:center}
.cta-card h2{color:#fff;font-size:1.55rem;font-weight:900}
.cta-card p{color:#dbe6f5;margin:10px 0 24px}
.cta-card .btn{background:var(--accent);color:#16180c}

table.tb{width:100%;border-collapse:collapse;font-size:.94rem;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}
.tb th,.tb td{padding:13px 16px;border-bottom:1px solid var(--line);text-align:left}
.tb th{background:var(--navy);color:#fff;font-weight:800}
.tb tr:last-child td{border-bottom:0}

.faqwrap{display:flex;flex-direction:column;gap:12px}
.faq{background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}
.faq summary{padding:18px 22px;cursor:pointer;font-weight:700;color:var(--navy);list-style:none;display:flex;justify-content:space-between;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.3rem;color:var(--accent);font-weight:800}
.faq[open] summary::after{content:"–"}
.faq .a{padding:4px 22px 18px;color:var(--mut);font-size:.95rem}

footer.site{border-top:1px solid var(--line);margin-top:60px;padding:42px 0 34px;color:var(--mut);font-size:.9rem;background:#fff}
.ft{display:flex;justify-content:space-between;gap:30px;flex-wrap:wrap}
.ft nav{display:flex;gap:18px;flex-wrap:wrap}
.ft nav a:hover{color:var(--navy)}

@media(max-width:820px){
  .g3{grid-template-columns:1fr}
  .g2{grid-template-columns:1fr}
  .split{grid-template-columns:1fr}
  .stats{grid-template-columns:1fr 1fr}
  .nav-toggle{display:block}
  nav.main{position:fixed;top:68px;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:18px 24px;gap:16px;border-bottom:1px solid var(--line);display:none}
  nav.main.open{display:flex}
  .phead{padding:38px 0 22px}
  .hero{padding:50px 0 42px}
}