:root{--blue:#004a9d;--navy:#002e67;--sky:#36a9f1;--ink:#132a42;--muted:#5d6d7e;--ice:#f1f7fc;--line:#d9e7f2;--gold:#f1b640}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:16px/1.6 Arial,sans-serif;color:var(--ink);background:#fff}.wrap{max-width:1160px;margin:auto;padding:0 30px}.site-header{height:104px;position:sticky;top:0;z-index:30;background:#fff;box-shadow:0 2px 13px #002e6712}.site-header .wrap{height:100%;display:flex;align-items:center;justify-content:space-between;gap:22px}.brand img{display:block;width:228px;height:86px;object-fit:contain;mix-blend-mode:multiply}.menu{display:flex;align-items:center;justify-content:center;gap:17px;flex:1}.menu a{color:var(--ink);text-decoration:none;font-size:.83rem;font-weight:700;white-space:nowrap}.menu a:hover{color:var(--blue)}.phone{background:linear-gradient(135deg,#0964b9,#00377e);color:#fff!important;text-decoration:none;text-align:center;border-radius:8px;padding:11px 15px;font-weight:800;white-space:nowrap}.phone small{font-weight:500;font-size:.7rem;display:block}.hero-page{padding:88px 0 92px;background:linear-gradient(120deg,#002e67,#075bb0);color:#fff}.hero-page .eyebrow{color:#a9dcff}.eyebrow{font-size:.77rem;letter-spacing:.1em;text-transform:uppercase;font-weight:800;color:var(--blue)}h1{font-size:clamp(2.8rem,6vw,5.4rem);line-height:.93;letter-spacing:-.067em;margin:15px 0 21px;max-width:870px}h2{font-size:clamp(2rem,3.8vw,3.2rem);line-height:1.04;letter-spacing:-.05em;margin:10px 0 16px}h3{font-size:1.18rem;margin:0 0 9px;color:var(--blue)}p{margin:0 0 18px}.hero-page p{max-width:690px;font-size:1.12rem;color:#dceefa}.button{display:inline-flex;align-items:center;justify-content:center;min-height:51px;padding:12px 18px;border-radius:8px;text-decoration:none;font-weight:800}.button.white{background:#fff;color:var(--navy)}.button.blue{background:linear-gradient(135deg,#0966bd,#00377d);color:#fff}.button.ghost{border:1px solid #b7d4ed;color:var(--blue);background:#fff}.section{padding:82px 0}.section.tint{background:var(--ice)}.lead{font-size:1.08rem;color:var(--muted);max-width:750px}.two{display:grid;grid-template-columns:1fr 1fr;gap:55px;align-items:start}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:34px}.card{padding:27px;background:#fff;border:1px solid var(--line);border-top:4px solid var(--blue);box-shadow:0 10px 28px #002e670b}.card p{color:var(--muted);font-size:.94rem}.card a{color:var(--blue);font-weight:800;text-decoration:none}.steps{display:grid;gap:13px}.step{padding:18px 20px;background:#fff;border-left:4px solid var(--sky)}.step b{display:block;color:var(--blue);margin-bottom:3px}.step span{color:var(--muted);font-size:.94rem}.notice{padding:24px;background:#fff8e7;border-left:5px solid var(--gold)}.notice b{color:#5d481d}.notice p{color:#695f48;font-size:.93rem;margin:8px 0 0}.faq{border-top:1px solid var(--line)}.faq details{padding:20px 4px;border-bottom:1px solid var(--line)}.faq summary{cursor:pointer;font-weight:800;color:var(--ink);font-size:1.04rem}.faq p{margin:13px 0 0;color:var(--muted)}.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:36px}.article-card{display:flex;flex-direction:column;min-height:290px;padding:27px;background:#fff;border:1px solid var(--line);text-decoration:none;color:var(--ink);transition:transform .16s,box-shadow .16s}.article-card:hover{transform:translateY(-4px);box-shadow:0 14px 32px #002e6718}.article-card .tag{font-size:.72rem;text-transform:uppercase;letter-spacing:.08em;color:var(--blue);font-weight:800}.article-card h3{font-size:1.35rem;line-height:1.1;margin:13px 0;color:var(--ink)}.article-card p{color:var(--muted);font-size:.94rem}.article-card b{color:var(--blue);margin-top:auto}.prose{max-width:780px}.prose h2{font-size:2rem;margin-top:42px}.prose ul{padding-left:21px;margin:0 0 20px}.prose li{margin:7px 0}.cta-band{background:linear-gradient(125deg,#003a80,#0055aa);color:#fff;padding:66px 0}.cta-band h2{max-width:650px}.cta-band p{color:#e2f1ff;max-width:660px;font-size:1.05rem}.site-footer{background:var(--navy);padding:30px 0;color:#dceefa;font-size:.86rem}.site-footer .wrap{display:flex;justify-content:space-between;gap:24px}.site-footer b{color:#fff}.site-footer a{color:#dceefa;text-decoration:none}.breadcrumbs{padding:23px 0 0;font-size:.85rem;color:var(--muted)}.breadcrumbs a{color:var(--blue);text-decoration:none}@media(max-width:1000px){.menu{gap:11px}.menu a{font-size:.76rem}.brand img{width:205px}.cards,.article-grid{grid-template-columns:1fr 1fr}}@media(max-width:800px){.site-header{height:90px}.menu{display:none}.brand img{width:185px;height:72px}.two,.cards,.article-grid{grid-template-columns:1fr}.section{padding:62px 0}.hero-page{padding:66px 0 70px}.site-footer .wrap{flex-direction:column}.phone{padding:9px 11px;font-size:.78rem}.phone small{display:none}}