:root{--navy:#0b2340;--navy2:#13335c;--teal:#0fb5a6;--teal-d:#0a8a7e;--ink:#1b2430;--muted:#55606e;--line:#dfe4ea;--sand:#f4f1ea;--bg:#fff}
*{box-sizing:border-box}body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.65 "Segoe UI",system-ui,-apple-system,Roboto,Arial,sans-serif}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;font-weight:700;letter-spacing:-.2px}
a{color:var(--teal-d)}.w{max-width:1120px;margin:0 auto;padding:0 18px}
.hd{background:var(--navy);color:#fff}.hd .w{display:flex;align-items:center;justify-content:space-between;gap:14px;min-height:70px}
.lg{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-family:Georgia,serif;font-size:21px;font-weight:700}.lg svg{width:34px;height:34px}
.nv{display:flex;gap:22px}.nv a{color:#c9d6e6;text-decoration:none;font-size:15px}.nv a:hover{color:#fff}
.ph{display:inline-flex;align-items:center;gap:8px;background:var(--teal);color:#05221f;font-weight:800;text-decoration:none;border-radius:999px;padding:11px 20px;white-space:nowrap}
.ph svg{width:17px;height:17px}.ph:hover{background:#2fd3c3}.ph.xl{font-size:22px;padding:16px 30px}
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;padding:44px 0 48px}
.hero .g{display:grid;grid-template-columns:1.25fr 1fr;gap:34px;align-items:center}
.kick{color:var(--teal);font-weight:700;text-transform:uppercase;letter-spacing:1.2px;font-size:13px;margin:0 0 8px}
.hero h1{font-size:clamp(30px,4.6vw,46px);line-height:1.12;margin:0 0 14px}.hero p.s{color:#d2dcea;font-size:19px;margin:0 0 22px}
.hero .sm{color:#9fb2c9;font-size:14px;margin-top:12px}
.panel{background:#fff;color:var(--ink);border-radius:6px;padding:22px 24px;border-top:6px solid var(--teal)}
.panel h2{font-size:21px;margin:0 0 10px}.panel ul{margin:0 0 14px;padding:0;list-style:none}
.panel li{padding:8px 0 8px 30px;border-bottom:1px solid var(--line);position:relative}
.panel li:before{content:"!";position:absolute;left:0;top:9px;width:20px;height:20px;border-radius:50%;background:#e8554e;color:#fff;font-weight:800;font-size:13px;display:flex;align-items:center;justify-content:center}
.panel p{margin:0;font-size:15px;color:var(--muted)}
.bc{font-size:14px;color:#9fb2c9;margin-bottom:14px}.bc a{color:#c9d6e6}
.sec{padding:44px 0}.sec.sand{background:var(--sand)}.sec h2{font-size:clamp(24px,3.3vw,32px);margin:0 0 16px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.rk{display:grid;gap:12px}.rk div{background:#fff;border-left:5px solid var(--teal);padding:14px 16px;box-shadow:0 1px 3px rgba(11,35,64,.08)}
.tile{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:14px}
.tile a{display:block;background:#fff;border:1px solid var(--line);border-radius:6px;padding:18px;text-decoration:none;color:var(--ink)}
.tile a:hover{border-color:var(--teal)}.tile b{display:block;font-family:Georgia,serif;font-size:19px;margin-bottom:4px}.tile span{color:var(--muted);font-size:15px}
.tl{list-style:none;padding:0;margin:0;counter-reset:n}.tl li{counter-increment:n;padding:0 0 18px 52px;position:relative}
.tl li:before{content:counter(n);position:absolute;left:0;top:0;width:36px;height:36px;border-radius:6px;background:var(--navy);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}
.tl b{display:block}
.warn{background:#fff4f3;border:1px solid #f3c4c1;border-radius:6px;padding:18px 20px}.warn h3{margin:0 0 6px;color:#a3261f}.warn ul{margin:0;padding-left:20px}
.qa{border-top:1px solid var(--line)}.qa div{border-bottom:1px solid var(--line);padding:16px 0}.qa h3{font-size:18px;margin:0 0 6px}.qa p{margin:0;color:var(--muted)}
.cols{columns:4 170px;list-style:none;padding:0;margin:0}.cols li{margin:4px 0;break-inside:avoid}
.band{background:var(--teal);color:#05221f;padding:34px 0}.band .w{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px}
.band h2{margin:0;font-size:clamp(22px,3vw,30px)}.band .ph{background:var(--navy);color:#fff}
.ft{background:var(--navy);color:#9fb2c9;font-size:14px;padding:30px 0}.ft a{color:#c9d6e6}.ft nav{display:flex;flex-wrap:wrap;gap:8px 18px;margin-bottom:14px}.ft p{margin:0 0 10px;line-height:1.5}
.fab{position:fixed;right:16px;bottom:16px;z-index:40;width:64px;height:64px;border-radius:50%;background:var(--teal);color:#05221f;display:none;align-items:center;justify-content:center;box-shadow:0 6px 20px rgba(0,0,0,.3)}
.fab svg{width:28px;height:28px}
.prose{max-width:780px}.prose p{margin:0 0 14px}
@media(max-width:880px){.hero .g,.two{grid-template-columns:1fr}.nv{display:none}.fab{display:flex}.hd .ph .t{display:none}}
@media(max-width:520px){.lg{font-size:17px}.lg svg{width:28px;height:28px}.hd .ph{padding:9px 12px;font-size:14px}.ph.xl{font-size:19px;padding:14px 20px}}