*{box-sizing:border-box;margin:0}html{scroll-behavior:smooth}body{font:16px/1.65 Poppins,system-ui,sans-serif;color:#1c2a44;background:#fff}
:root{--n:#0b2a5b;--b:#1a7fd4;--l:#eaf3fc;--m:#5b6b86}
.w{max-width:1120px;margin:0 auto;padding:0 20px}a{color:var(--b)}h1,h2,h3{color:var(--n);line-height:1.25}
header{position:sticky;top:0;background:#fff;border-bottom:1px solid #dbe6f3;z-index:9}.bar{display:flex;align-items:center;justify-content:space-between;height:68px}
.logo{display:flex;gap:10px;align-items:center;text-decoration:none;color:var(--n)}.logo b{background:var(--n);color:#fff;width:38px;height:42px;display:grid;place-items:center;border-radius:6px 6px 18px 18px;font-size:22px}.logo span{font-weight:700;line-height:1.1}.logo small{display:block;font-weight:500;color:var(--b);font-size:12px}
#mn{display:flex;gap:4px;align-items:center}#mn a{text-decoration:none;color:var(--n);font-size:14px;font-weight:500;padding:8px 10px;border-radius:6px}#mn a:hover,#mn a.on{background:var(--l);color:var(--b)}#mn a.btn{color:#fff;background:var(--b);margin-left:6px}#mn a.btn:hover{background:var(--n);color:#fff}#mb{display:none;background:none;border:0;font-size:26px;color:var(--n);cursor:pointer}
a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible{outline:3px solid #f2a900;outline-offset:2px}
.btn{display:inline-block;background:var(--b);color:#fff;padding:12px 24px;border-radius:8px;text-decoration:none;font-weight:600;border:2px solid var(--b);cursor:pointer;font:600 15px Poppins,sans-serif;margin:4px 0}.btn:hover{background:var(--n);border-color:var(--n)}.btn.o{background:transparent;color:var(--n);border-color:var(--n)}.btn.o:hover{background:var(--n);color:#fff}
.hero{background:linear-gradient(135deg,var(--n),#14498f);color:#fff;padding:72px 0}.hero h1{color:#fff;font-size:clamp(32px,5vw,54px)}.hg{display:grid;grid-template-columns:1.5fr 1fr;gap:40px;align-items:center}.hero .lead{color:#d4e5fa;margin:18px 0 24px}.pill{display:inline-block;background:rgba(255,255,255,.14);padding:4px 14px;border-radius:99px;font-size:14px;margin-bottom:16px}.hero .btn.o{color:#fff;border-color:#fff}.hero .btn.o:hover{background:#fff;color:var(--n)}
.hc{background:#fff;color:var(--n);border-radius:14px;padding:28px}.hc b{font-size:24px}.hc span{color:var(--b)}.hc hr{border:0;border-top:1px solid #dbe6f3;margin:14px 0}.hc p{padding:4px 0}
.ph{background:var(--l);padding:44px 0;border-bottom:4px solid var(--b)}.ph h1{font-size:clamp(28px,4vw,40px)}
main{padding-bottom:40px}section{margin-top:48px}h2{font-size:26px;margin-bottom:16px}.lead{font-size:18px;color:#34456a;max-width:760px;margin-bottom:12px}
.crumb{margin-top:20px;font-size:14px;color:var(--m)}.crumb a{text-decoration:none}
.g,.g2,.g3,.g4,.g5{display:grid;gap:18px}.g{grid-template-columns:repeat(auto-fill,minmax(250px,1fr))}.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}.g5{grid-template-columns:repeat(5,1fr)}
.c,.f,.box{background:var(--l);border-radius:12px;padding:22px;border-top:4px solid var(--b)}.c{text-decoration:none;color:inherit;display:block;transition:transform .2s,box-shadow .2s}.c:hover{transform:translateY(-3px);box-shadow:0 10px 24px rgba(11,42,91,.14)}.c p{color:var(--m);margin:6px 0 12px;font-size:15px}.c span{color:var(--b);font-weight:600;font-size:14px}.f h3{font-size:16px}.f p{font-size:14px;color:var(--m);margin-top:6px}
.two{display:grid;grid-template-columns:2fr 1fr;gap:32px;align-items:start}.box h3{margin-bottom:8px}.box p{padding:3px 0}
.tags{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:10px}.tags li{background:#fff;border:1px solid #bcd5f0;color:var(--n);padding:7px 16px;border-radius:99px;font-size:14px}
.flow{list-style:none;padding:0;display:flex;counter-reset:s}.flow li{flex:1;background:var(--n);color:#fff;text-align:center;padding:16px 8px;font-weight:600;clip-path:polygon(0 0,90% 0,100% 50%,90% 100%,0 100%,10% 50%);margin-left:-10px}.flow li:first-child{margin:0;clip-path:polygon(0 0,90% 0,100% 50%,90% 100%,0 100%)}.flow li:nth-child(2){background:#17539a}.flow li:nth-child(3){background:#1a6cbd}.flow li:nth-child(4){background:#1a7fd4}.flow li:nth-child(5){background:#5aa5e6}.flow li:nth-child(6){background:#8fc0ee;color:var(--n)}
blockquote{background:var(--n);color:#d7e6fa;padding:28px;border-radius:14px}.q{font-size:20px;font-weight:600;color:#fff;margin-bottom:12px}blockquote cite{display:block;margin-top:16px;color:#fff;font-weight:600;font-style:normal;font-size:14px}
.cta{background:linear-gradient(135deg,var(--n),#14498f);color:#fff;border-radius:16px;padding:40px;text-align:center}.cta h2{color:#fff}.cta p{margin-bottom:14px;color:#d4e5fa}.cta .btn{background:#fff;color:var(--n);border-color:#fff}
.terms{padding-left:24px}.terms li{padding:6px 0;max-width:820px}
form h2{margin-top:32px;font-size:20px}.fr{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}label{display:block;font-size:14px;font-weight:500;color:var(--n);margin:8px 0}input:not([type=checkbox]):not([type=radio]),textarea{width:100%;padding:11px 12px;border:1px solid #b9cde6;border-radius:8px;font:15px Poppins,sans-serif;margin-top:4px}
fieldset{border:1px solid #cfdff2;border-radius:10px;padding:10px 16px;margin:12px 0;display:flex;flex-wrap:wrap;gap:4px 22px}legend{font-weight:600;color:var(--n);padding:0 6px;font-size:14px}label.ck{display:flex;gap:8px;align-items:center;font-weight:400}.note{font-size:14px;color:var(--m);margin:16px 0}
footer{background:var(--n);color:#c5d7f0;margin-top:60px;padding-top:44px;font-size:14px}.fg{display:grid;grid-template-columns:1.2fr 1fr 1.4fr;gap:30px}footer b{color:#fff;display:block;margin-bottom:8px}footer a{display:block;color:#c5d7f0;text-decoration:none;padding:2px 0}footer a:hover{color:#fff}.cp{border-top:1px solid #24427a;margin-top:30px;padding:16px;text-align:center}
@media(max-width:900px){.g4,.g5,.g3{grid-template-columns:repeat(2,1fr)}.hg,.two,.g2,.fg{grid-template-columns:1fr}.flow{flex-wrap:wrap;gap:6px}.flow li{margin:0;clip-path:none;border-radius:8px}}
@media(max-width:760px){#mb{display:block}#mn{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:12px 20px;border-bottom:1px solid #dbe6f3}#mn.open{display:flex}.g4,.g5,.g3,.fr{grid-template-columns:1fr}.hero{padding:48px 0}}
@media print{header,footer,.btn{display:none}}
@media(prefers-reduced-motion:reduce){*{transition:none!important}}