:root{--primary:#14284B;--primary-d:#0C1A33;--accent:#C8A24B;--on-accent:#1B2433;--light:#F6F3EC;--ink:#1B2433;--muted:#5B6678;--line:#E3E6EB;--white:#fff;--r:14px;--shadow:0 10px 30px rgba(12,26,51,.10);--hf:'Fraunces',Georgia,serif;--bf:'Inter',system-ui,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:var(--bf);color:var(--ink);line-height:1.65;font-size:17px;background:#fff;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%}a{color:var(--primary);text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:var(--primary-d)}
h1,h2,h3,h4{font-family:var(--hf);line-height:1.18;color:var(--primary-d);margin:0 0 .5em}
h1{font-size:clamp(2.1rem,4.6vw,3.4rem);letter-spacing:-.02em;font-weight:800}h2{font-size:clamp(1.6rem,3vw,2.3rem);letter-spacing:-.015em;font-weight:800}h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}.container{width:min(1160px,92%);margin:0 auto}.sec{padding:80px 0}.sec.alt{background:var(--light)}.sec.dark{background:var(--primary-d);color:#E8ECF4}.sec.dark h2,.sec.dark h3{color:#fff}
.eyebrow{display:inline-block;font:700 .78rem/1 var(--hf);letter-spacing:.14em;text-transform:uppercase;color:var(--accent);background:rgba(0,0,0,.04);padding:8px 12px;border-radius:99px;margin-bottom:18px}
.sec.dark .eyebrow,.hero .eyebrow{background:rgba(255,255,255,.1)}
.lead{font-size:1.18rem;color:var(--muted);max-width:720px}.center{text-align:center}.center .lead{margin-left:auto;margin-right:auto}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px 12px;z-index:99}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
/* header */
.topbar{background:var(--primary-d);color:#cfd6e4;font-size:.86rem}.topbar .container{display:flex;justify-content:space-between;gap:16px;padding:8px 0;flex-wrap:wrap}.topbar a{color:#fff;text-decoration:none}
header.site{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;height:78px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--primary-d)}.brand svg{width:46px;height:46px;flex:none}.brand .bt{font:800 1.08rem/1.1 var(--hf);letter-spacing:-.01em}.brand .bt small{display:block;font:600 .66rem/1.2 var(--bf);letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-top:3px}
.menu{display:flex;gap:6px;align-items:center;list-style:none;margin:0;padding:0}.menu a{display:block;padding:10px 12px;text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem;border-radius:8px}.menu a:hover,.menu a.on{background:var(--light);color:var(--primary)}
.burger{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:9px 11px;cursor:pointer}.burger span{display:block;width:22px;height:2px;background:var(--primary-d);margin:4px 0}
/* buttons */
.btn{display:inline-flex;align-items:center;gap:8px;font:700 .98rem/1 var(--hf);padding:15px 24px;border-radius:12px;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:.18s}
.btn .ico{width:18px;height:18px}.btn-p{background:var(--primary);color:#fff}.btn-p:hover{background:var(--primary-d);color:#fff;transform:translateY(-1px)}
.btn-a{background:var(--accent);color:var(--on-accent)}.btn-a:hover{filter:brightness(1.07);color:var(--on-accent);transform:translateY(-1px)}
.btn-o{border-color:var(--primary);color:var(--primary);background:transparent}.btn-o:hover{background:var(--primary);color:#fff}.btn-w{border-color:rgba(255,255,255,.55);color:#fff}.btn-w:hover{background:#fff;color:var(--primary-d)}
.btn-sm{padding:11px 16px;font-size:.9rem}
/* hero */
.hero{position:relative;color:#fff;background:linear-gradient(135deg,var(--primary-d),var(--primary) 70%);overflow:hidden}
.hero:before{content:"";position:absolute;inset:0;background:radial-gradient(900px 400px at 85% 10%,rgba(255,255,255,.10),transparent 60%)}
.hero .container{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center;padding:84px 0 92px}
.hero h1{color:#fff}.hero p.lead{color:#D5DCEA}.hero .cta{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.chips{display:flex;gap:10px;flex-wrap:wrap;margin-top:28px}.chip{display:inline-flex;gap:8px;align-items:center;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);padding:8px 13px;border-radius:99px;font-size:.88rem;color:#EAF0FA}.chip .ico{width:16px;height:16px;color:var(--accent)}
.art{filter:drop-shadow(0 20px 30px rgba(0,0,0,.25))}
.pagehero{background:linear-gradient(135deg,var(--primary-d),var(--primary));color:#fff;padding:64px 0 56px}.pagehero h1{color:#fff;font-size:clamp(1.9rem,4vw,2.8rem)}.pagehero p{color:#D5DCEA;max-width:760px;font-size:1.1rem;margin:0}
.crumbs{font-size:.86rem;margin-bottom:14px;color:#aeb9cf}.crumbs a{color:#fff}
/* grids */
.grid{display:grid;gap:24px}.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;box-shadow:0 2px 0 rgba(12,26,51,.03);transition:.2s}.card:hover{box-shadow:var(--shadow);transform:translateY(-3px)}
.card h3{margin-top:14px}.card p{color:var(--muted);margin:0}.card ul{margin:12px 0 0;padding-left:18px;color:var(--muted)}
.ibox{width:52px;height:52px;border-radius:14px;background:linear-gradient(135deg,var(--primary),var(--primary-d));color:#fff;display:grid;place-items:center}.ibox .ico{width:26px;height:26px}.ibox.acc{background:var(--accent);color:var(--on-accent)}
.sec.dark .card{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.14);color:#dfe5f1}.sec.dark .card p{color:#c9d2e3}.sec.dark .card h3{color:#fff}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:22px}.step{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px 24px 24px}
.step:before{counter-increment:s;content:counter(s);position:absolute;top:-18px;left:22px;width:38px;height:38px;border-radius:50%;background:var(--accent);color:var(--on-accent);font:800 1.05rem/38px var(--hf);text-align:center;box-shadow:0 6px 14px rgba(0,0,0,.15)}
.step h3{margin-top:10px}.step p{color:var(--muted);margin:0;font-size:.97rem}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}.split .ill{background:var(--light);border-radius:22px;padding:26px;border:1px solid var(--line)}
.ticks{list-style:none;padding:0;margin:18px 0 0}.ticks li{display:flex;gap:12px;margin:0 0 12px;align-items:flex-start}.ticks .ico{width:22px;height:22px;color:var(--accent);flex:none;margin-top:3px}
.band{background:linear-gradient(120deg,var(--primary),var(--primary-d));color:#fff;border-radius:24px;padding:48px;display:flex;justify-content:space-between;gap:30px;align-items:center;flex-wrap:wrap}.band h2{color:#fff;margin:0 0 8px}.band p{margin:0;color:#D5DCEA;max-width:640px}
.notice{border-left:5px solid var(--accent);background:var(--light);border-radius:10px;padding:18px 22px;margin:22px 0;color:var(--ink)}.notice strong{color:var(--primary-d)}
.notice.warn{border-left-color:#B42318;background:#FEF3F2}
.kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:18px;margin-top:34px}.kpi{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:14px;padding:18px 20px}.kpi b{display:block;font:800 1.15rem var(--hf);color:#fff}.kpi span{font-size:.9rem;color:#cdd6e8}
table.t{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden;font-size:.97rem}.t th{background:var(--primary);color:#fff;text-align:left;padding:14px 16px;font-family:var(--hf)}.t td{padding:14px 16px;border-top:1px solid var(--line);vertical-align:top}.t tr:nth-child(even) td{background:#FAFBFC}
.tw{overflow-x:auto}
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0;margin-bottom:12px}summary{cursor:pointer;list-style:none;padding:18px 22px;font:700 1.02rem var(--hf);color:var(--primary-d);display:flex;justify-content:space-between;gap:16px}summary::-webkit-details-marker{display:none}summary:after{content:"+";font-size:1.4rem;line-height:1;color:var(--accent)}details[open] summary:after{content:"\2212"}details div{padding:0 22px 20px;color:var(--muted)}
/* forms */
.formcard{background:#fff;border:1px solid var(--line);border-radius:20px;padding:34px;box-shadow:var(--shadow)}.fg{display:grid;grid-template-columns:1fr 1fr;gap:16px}.fg .full{grid-column:1/-1}
label{display:block;font:600 .9rem var(--bf);margin-bottom:6px;color:var(--primary-d)}input,select,textarea{width:100%;font:inherit;padding:13px 14px;border:1.5px solid #CBD2DD;border-radius:10px;background:#fff;color:var(--ink)}input:focus,select:focus,textarea:focus{outline:none;border-color:var(--primary);box-shadow:0 0 0 4px rgba(20,40,75,.12)}textarea{min-height:120px;resize:vertical}
.chk{display:flex;gap:10px;align-items:flex-start;font-size:.9rem;color:var(--muted)}.chk input{width:auto;margin-top:5px}.hp{position:absolute;left:-9999px}.req{color:#B42318}
.cbox{display:grid;grid-template-columns:repeat(2,1fr);gap:8px 18px}.cbox label{font-weight:500;display:flex;gap:10px;align-items:center;margin:0}.cbox input{width:auto}
.formnote{font-size:.85rem;color:var(--muted);margin-top:14px}
.cinfo{display:grid;gap:18px}.crow{display:flex;gap:16px;align-items:flex-start}.crow .ibox{width:46px;height:46px;border-radius:12px;flex:none}.crow b{display:block;color:var(--primary-d)}
/* tools */
.tool{background:#fff;border:1px solid var(--line);border-radius:20px;padding:30px;box-shadow:var(--shadow)}.out{margin-top:18px;background:var(--light);border-radius:12px;padding:18px 20px;font-size:1.02rem}.out b{color:var(--primary-d)}
.range{width:100%}
.score{display:grid;gap:10px;margin:14px 0}.score label{display:flex;gap:12px;align-items:center;font-weight:500;border:1px solid var(--line);padding:12px 14px;border-radius:10px;margin:0;cursor:pointer}.score input{width:auto}
/* footer */
footer.site{background:var(--primary-d);color:#C3CCDD;padding:64px 0 24px;font-size:.95rem}footer.site h4{color:#fff;font-size:1rem;margin-bottom:14px}footer.site a{color:#C3CCDD;text-decoration:none}footer.site a:hover{color:#fff;text-decoration:underline}
.fgrid{display:grid;grid-template-columns:1.4fr .8fr .8fr 1.1fr;gap:36px}.fgrid ul{list-style:none;padding:0;margin:0}.fgrid li{margin-bottom:9px}
.fbrand{display:flex;gap:12px;align-items:center;color:#fff;font:800 1.1rem var(--hf);margin-bottom:12px}.fbrand svg{width:44px;height:44px}
.legal{border-top:1px solid rgba(255,255,255,.14);margin-top:40px;padding-top:22px;font-size:.82rem;color:#9AA6BD;line-height:1.6}.legal p{margin:0 0 10px}
.prose{max-width:820px}.prose h2{font-size:1.5rem;margin-top:1.8em}.prose h3{margin-top:1.4em}.prose ul{padding-left:22px}.prose li{margin-bottom:6px}
.pill{display:inline-block;background:var(--light);border:1px solid var(--line);padding:6px 12px;border-radius:99px;font-size:.84rem;font-weight:600;color:var(--primary-d);margin:0 8px 8px 0}
.mini{font-size:.86rem;color:var(--muted)}
.cardlink{display:flex;flex-direction:column;text-decoration:none;color:inherit}.cardlink .go{margin-top:auto;padding-top:18px;font-weight:700;color:var(--primary);display:inline-flex;gap:8px;align-items:center}.cardlink .go .ico{width:18px;height:18px}
@media(max-width:980px){.hero .container,.split{grid-template-columns:1fr}.g3,.g4{grid-template-columns:repeat(2,1fr)}.fgrid{grid-template-columns:1fr 1fr}.art{max-width:520px;margin:0 auto}}
@media(max-width:820px){.burger{display:block}.menu{position:absolute;left:0;right:0;top:78px;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:12px 4%;display:none}.menu.open{display:flex}.nav .btn.hdr{display:none}}
@media(max-width:640px){body{font-size:16px}.sec{padding:56px 0}.g2,.g3,.g4,.fg,.cbox{grid-template-columns:1fr}.fgrid{grid-template-columns:1fr}.band{padding:30px}.formcard{padding:22px}.hero .container{padding:56px 0 64px}.topbar .container{justify-content:center}}
@media print{header.site,.topbar,.cta,footer .fgrid{display:none}}