:root{--ink: #13202f;--muted: #5a6878;--line: #dde3ea;--bg: #ffffff;--soft: #f3f6f9;--brand: #0f2742;--accent: #e8792b;--radius: 14px}*,*:before,*:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Helvetica Neue,Arial,sans-serif;font-size:17px;line-height:1.6;color:var(--ink);background:var(--bg);overflow-wrap:break-word}img{max-width:100%;height:auto}a{color:var(--brand)}h1,h2,h3{line-height:1.2;color:var(--brand);text-wrap:balance}h1{font-size:clamp(1.8rem,4.5vw,2.9rem);margin:0 0 .6em}h2{font-size:clamp(1.4rem,3vw,2rem);margin:0 0 .6em}h3{font-size:1.15rem;margin:0 0 .4em}p{margin:0 0 1em}.wrap{width:100%;max-width:1120px;margin:0 auto;padding:0 16px}.muted{color:var(--muted)}.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:8px;background:#fff;padding:8px;z-index:10}.site-header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:5}.header-row{display:flex;align-items:center;gap:20px;min-height:64px;flex-wrap:wrap;padding-top:8px;padding-bottom:8px}.logo{font-weight:700;font-size:1.1rem;text-decoration:none;color:var(--brand);display:flex;align-items:center;gap:8px}.logo-mark{color:var(--accent);font-size:1.3rem}.nav{display:flex;gap:18px;flex-wrap:wrap;margin-left:auto}.nav a{text-decoration:none;color:var(--ink);font-size:.97rem}.nav a[aria-current=page]{color:var(--accent);font-weight:600}@media (max-width: 760px){.site-header .header-cta{display:none}.header-row{gap:6px 16px}.nav{margin-left:0;width:100%;gap:6px 16px}}.crumbs{font-size:.9rem;color:var(--muted);padding-top:16px;display:flex;flex-wrap:wrap;gap:6px}.crumbs a:after{content:"›";margin-left:6px;color:var(--muted)}.crumbs a{text-decoration:none}.btn{display:inline-block;background:var(--accent);color:#fff;text-decoration:none;font-weight:600;padding:14px 22px;border-radius:10px;border:0}.btn:hover{filter:brightness(.95)}.btn-small{padding:9px 14px;font-size:.92rem}.btn-light{background:#fff;color:var(--brand)}.btn-ghost{background:transparent;color:var(--brand);border:1.5px solid var(--brand)}section{padding:56px 0}.soft{background:var(--soft)}.lead{font-size:1.15rem;color:var(--muted);max-width:760px}.stats{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;margin:28px 0 0;padding:0;list-style:none}.stats li{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px;min-width:0}.stats b{display:block;font-size:1.9rem;color:var(--brand);line-height:1.1;margin-bottom:6px}.stats span{color:var(--muted);font-size:.95rem;line-height:1.35;display:block}@media (max-width: 860px){.stats{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width: 380px){.stats b{font-size:1.55rem}.stats li{padding:14px}}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}@media (max-width: 960px){.grid{grid-template-columns:repeat(2,1fr)}}@media (max-width: 620px){.grid{grid-template-columns:1fr}}.card{border:1px solid var(--line);border-radius:var(--radius);padding:22px;background:#fff;display:flex;flex-direction:column}.card .tag{font-size:.88rem;color:var(--accent);font-weight:700;margin-bottom:8px}.card p{color:var(--muted)}.card .more{margin-top:auto;font-weight:600;text-decoration:none}.card h3 a{text-decoration:none;color:inherit}.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:14px}.steps li{counter-increment:s;position:relative;padding:18px 18px 18px 64px;border:1px solid var(--line);border-radius:var(--radius);background:#fff}.steps li:before{content:counter(s);position:absolute;left:18px;top:18px;width:32px;height:32px;border-radius:50%;background:var(--brand);color:#fff;font-weight:700;display:grid;place-items:center}.steps h3{margin-top:4px}.steps p{margin:0;color:var(--muted)}.prose{max-width:760px}.prose h2{margin-top:1.5em}.prose h2:first-child,.prose h1+h2{margin-top:0}.prose ul{padding-left:1.2em}.prose li{margin-bottom:.5em}.faq details{border-bottom:1px solid var(--line);padding:14px 0}.faq summary{cursor:pointer;font-weight:600;color:var(--brand)}.faq details p{margin:10px 0 0;color:var(--ink)}.cta-band{background:var(--brand);color:#fff;padding:44px 0}.cta-band h2{color:#fff;margin-bottom:.3em}.cta-band p{color:#c9d6e4;margin:0}.cta-inner{display:flex;gap:24px;align-items:center;justify-content:space-between;flex-wrap:wrap}.site-footer{background:#0a1b2e;color:#c9d6e4;padding:36px 0;font-size:.95rem}.site-footer a{color:#fff}.footer-row{display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}.footer-row nav{display:flex;flex-direction:column;gap:6px}.footer-name{color:#fff;font-weight:700}.site-footer .muted{color:#8fa3b8}@media (max-width: 760px){.footer-row{grid-template-columns:1fr}}