:root{
  --ink:#17343b; --muted:#5b7075; --paper:#f7faf9; --white:#fff;
  --deep:#0b3d4a; --deep2:#092f38; --accent:#f2b134; --accent2:#ffd777;
  --line:#d9e5e3; --soft:#eaf2f0; --shadow:0 18px 50px rgba(13,55,65,.12);
}
*{box-sizing:border-box} html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;line-height:1.65}
a{color:inherit}.utility{background:var(--deep2);color:#e9f6f4;text-align:center;padding:8px 20px;font-size:.92rem}.utility a{color:var(--accent2);font-weight:900;text-decoration:none}
header{background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:40;backdrop-filter:blur(12px)}
.header-inner{max-width:1200px;margin:auto;display:flex;align-items:center;gap:24px;padding:14px 22px}
.logo{display:flex;align-items:center;gap:11px;text-decoration:none;font-weight:950;line-height:1.02;letter-spacing:-.02em;min-width:max-content}
.mark{width:42px;height:42px;display:grid;place-items:center;border-radius:11px;background:var(--deep);box-shadow:inset 0 -4px 0 rgba(0,0,0,.12)}
.mark svg{width:27px;height:27px}
nav{display:flex;align-items:center;gap:18px;margin-left:auto}
nav a{text-decoration:none;font-weight:760;font-size:.9rem;color:#31535b}
.header-call{display:inline-flex;align-items:center;gap:8px;background:var(--accent);color:#152d32;border-radius:9px;padding:12px 16px;text-decoration:none;font-weight:950;box-shadow:0 3px 0 #ca8910;white-space:nowrap}
main{max-width:1200px;margin:auto;padding:0 22px}.crumbs{font-size:.84rem;color:#718488;padding-top:20px}.crumbs a{color:#46646a}
.hero{display:grid;grid-template-columns:1.08fr .92fr;gap:56px;align-items:center;min-height:610px;padding:60px 0}
.eyebrow{font-size:.77rem;letter-spacing:.135em;font-weight:950;color:#4c747b;margin:0 0 8px}
h1{font-size:clamp(2.5rem,5.5vw,5.2rem);line-height:.96;letter-spacing:-.057em;margin:.12em 0 .32em;max-width:980px}
h2{font-size:clamp(1.75rem,3vw,2.65rem);line-height:1.08;letter-spacing:-.037em;margin:0 0 16px}
h3{line-height:1.22;letter-spacing:-.015em}.lead{font-size:1.18rem;color:var(--muted);max-width:800px}
.hero-actions{display:flex;gap:18px;align-items:center;flex-wrap:wrap;margin-top:26px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:7px;background:var(--accent);padding:15px 21px;border-radius:9px;text-decoration:none;font-weight:950;box-shadow:0 4px 0 #ca8910}.btn-dark{background:var(--deep);color:white;box-shadow:0 4px 0 #062933}
.textlink{font-weight:850}.micro{font-size:.85rem;color:var(--muted)}
.hero-panel{background:var(--deep);color:white;border-radius:24px;padding:30px;box-shadow:var(--shadow)}
.hero-panel svg{width:100%;stroke:#d8f2ee;fill:none;stroke-width:5}.hero-panel .gold{stroke:var(--accent)}
.hero-panel p{color:#dcebea}.trust-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:18px}.trust-strip div{border:1px solid rgba(255,255,255,.14);border-radius:11px;padding:13px;font-size:.88rem}
section{padding:56px 0}.section-head{max-width:760px}.section-head p{color:var(--muted)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:15px;margin-top:25px}.card{display:flex;flex-direction:column;justify-content:space-between;min-height:145px;background:white;border:1px solid var(--line);padding:22px;border-radius:15px;text-decoration:none;transition:.18s ease}.card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}.card p{margin:.45em 0 0;color:var(--muted);font-size:.92rem}.card span{font-weight:850;color:#48676e;margin-top:18px}
.split{display:grid;grid-template-columns:1.35fr .65fr;gap:28px;align-items:start}.callout{background:var(--deep);color:white;border-radius:20px;padding:34px}.callout .eyebrow{color:#a7d0d0}.callout p{color:#d8e7e7}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:17px}.step{background:var(--soft);border-radius:15px;padding:24px}.step .num{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--accent);font-weight:950}
.article-head{max-width:900px;padding:74px 0 36px}.article-head h1{font-size:clamp(2.4rem,5vw,4.8rem)}.article-head .hero-actions{margin-top:22px}
.content-grid{display:grid;grid-template-columns:minmax(0,820px) 280px;gap:56px;align-items:start}.article section{padding:28px 0}.article p,.article li{font-size:1.02rem}.article ul{padding-left:22px}.sidebar{position:sticky;top:100px;padding-top:28px}.sidebar-box{background:white;border:1px solid var(--line);border-radius:15px;padding:20px;margin-bottom:14px}.sidebar-box a{display:block;text-decoration:none;font-weight:780;padding:8px 0;border-bottom:1px solid #edf2f1}.sidebar-box a:last-child{border-bottom:0}
.note{background:#fff4d9;border-left:5px solid var(--accent);padding:20px 22px;border-radius:9px;margin:26px 0}.compare{display:grid;grid-template-columns:1fr 1fr;gap:15px;margin:24px 0}.compare>div{background:white;border:1px solid var(--line);border-radius:13px;padding:21px}
.table-wrap{overflow-x:auto}.simple-table{width:100%;border-collapse:collapse;background:white;border:1px solid var(--line)}.simple-table th,.simple-table td{text-align:left;padding:14px;border-bottom:1px solid var(--line)}.simple-table th{background:var(--soft)}
.faq details{background:white;border:1px solid var(--line);border-radius:12px;margin:11px 0;padding:0 18px}.faq summary{cursor:pointer;font-weight:850;padding:16px 0}.faq details p{padding:0 0 15px;margin:0;color:var(--muted)}
footer{background:var(--deep2);color:#dbe9e8;margin-top:70px}.footer-grid{max-width:1200px;margin:auto;padding:48px 22px;display:grid;grid-template-columns:1.25fr .75fr .75fr;gap:36px}.footer-grid a{color:white}.footer-links a{display:block;margin:5px 0}.legal-note{max-width:1200px;margin:auto;padding:0 22px 35px;color:#a9c0c0;font-size:.84rem}
.mobile-call{display:none}
@media(max-width:960px){nav{display:none}.header-inner{gap:12px}.header-call{margin-left:auto}.content-grid{grid-template-columns:1fr}.sidebar{position:static}.cards{grid-template-columns:repeat(2,1fr)}}
@media(max-width:760px){.logo span:last-child{font-size:.86rem}.header-call{font-size:.82rem;padding:10px 11px}.hero,.split,.footer-grid{grid-template-columns:1fr}.hero{min-height:auto;padding:46px 0}.hero-panel{order:-1}.cards,.steps,.compare{grid-template-columns:1fr}.trust-strip{grid-template-columns:1fr}.mobile-call{display:block;position:fixed;left:12px;right:12px;bottom:12px;z-index:60;background:var(--accent);color:#142e33;text-align:center;padding:15px;border-radius:10px;text-decoration:none;font-weight:950;box-shadow:0 8px 32px rgba(0,0,0,.28)}body{padding-bottom:72px}h1{font-size:clamp(2.35rem,12vw,4.2rem)}}