:root{
  --ink:#10222e;--paper:#f4f8fb;--card:#fff;--line:#dbe7ef;
  --navy:#0b3c5d;--teal:#1a8f8d;--acid:#62e0d6;--mut:#4f6b7c;--maxw:1160px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{background:var(--paper);color:var(--ink);font-family:"Inter","Plus Jakarta Sans","Segoe UI",system-ui,sans-serif;line-height:1.75}
a{color:inherit;text-decoration:none}
img{max-width:100%;height:auto;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 26px}
ul.list{margin:14px 0 0 22px}
ul.list li{margin-bottom:10px}
b,strong{color:var(--navy)}

.topbar{background:var(--navy);color:#cfeeec;font-size:.8rem;padding:8px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap}
.topbar span{display:inline-flex;align-items:center;gap:6px}
header.site{position:sticky;top:0;z-index:60;background:#fff;border-bottom:1px solid var(--line)}
.top{display:flex;align-items:center;justify-content:space-between;height:70px}
.logo{display:flex;align-items:center;gap:11px;font-weight:800}
.logo .ico{width:40px;height:40px;border-radius:50%;display:grid;place-items:center;color:#fff;font-weight:900;font-size:1.15rem;background:linear-gradient(135deg,#1a8f8d,#0b3c5d);box-shadow:0 4px 12px rgba(26,143,141,.35)}
.logo .word{font-size:1.35rem;color:var(--navy)}
.logo .word small{display:block;font-size:.6rem;font-weight:600;color:var(--teal);letter-spacing:.18em;text-transform:uppercase}
nav.main{display:flex;gap:22px;align-items:center;font-size:.92rem}
nav.main a{color:var(--mut);font-weight:600;padding:6px 0;position:relative}
nav.main a.active,nav.main a:hover{color:var(--navy)}
nav.main a.active::after{content:"";position:absolute;left:0;right:0;bottom:-3px;height:3px;border-radius:3px;background:var(--teal)}
.nav-toggle{display:none;background:none;border:0;font-size:1.7rem;color:var(--navy);cursor:pointer}

.btn{display:inline-block;background:var(--teal);color:#fff;padding:12px 28px;border-radius:999px;font-weight:700;font-size:.95rem;transition:transform .15s,box-shadow .15s}
.btn:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(26,143,141,.35)}
.btn.ghost{background:transparent;color:var(--navy);border:1.5px solid var(--teal)}
.btn.sm{padding:8px 16px;font-size:.85rem}

.hero{padding:40px 0 10px;background:radial-gradient(circle at 85% 10%, #c8f1ee 0, transparent 45%), var(--paper)}
.ed-title{font-size:.82rem;font-weight:700;letter-spacing:.14em;color:var(--teal);text-transform:uppercase;margin-bottom:8px}
.hero h1{font-size:clamp(1.6rem,4vw,2.4rem);line-height:1.2;color:var(--navy);font-weight:800;max-width:760px}
.hero .sub{margin:18px 0 0;max-width:680px;color:var(--mut);font-size:1.04rem}
.hero .cta-row{margin-top:26px;display:flex;gap:14px;flex-wrap:wrap}

.metricband{background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:0 14px 40px rgba(11,60,93,.08);padding:26px 30px;margin-top:40px;display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.metricband .m b{display:block;font-size:1.6rem;color:var(--navy);font-weight:800}
.metricband .m span{font-size:.83rem;color:var(--mut)}
.metricband .m+.m{border-left:1px dashed var(--line);padding-left:20px}

section.blk{padding:62px 0}
section.blk.alt{background:#eaf3f6}
h2.sec{font-size:clamp(1.3rem,2.6vw,1.8rem);font-weight:800;margin-bottom:12px;color:var(--navy)}
p.sec-sub{color:var(--mut);margin-bottom:30px;max-width:660px}
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.step{display:grid;grid-template-columns:auto 1fr;gap:18px;align-items:start;background:var(--card);border:1px solid var(--line);border-radius:16px;padding:24px}
.step .num{width:46px;height:46px;border-radius:12px;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800;font-size:1.2rem}
.step h3{color:var(--navy);font-size:1.1rem;margin-bottom:6px}
.step p{color:var(--mut);font-size:.94rem}
.card{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:26px;box-shadow:0 8px 24px rgba(11,60,93,.06)}
.card h3{color:var(--navy);font-size:1.1rem;margin-bottom:8px}
.card p{color:var(--mut);font-size:.94rem}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:start}
.panel{background:#fff;border:1px solid var(--line);border-top:5px solid var(--teal);border-radius:16px;padding:26px}
.ph-line{padding:13px 0;border-bottom:1px dashed var(--line);font-size:.94rem}
.ph-line:last-child{border-bottom:0}
.ph-line b{display:block;color:var(--navy);margin-bottom:2px}
.note{background:#e3f6f4;border-left:4px solid var(--teal);padding:16px 20px;border-radius:8px;color:#1d5a58;font-size:.92rem;margin-top:26px}
.chips{display:flex;gap:10px;flex-wrap:wrap;margin:16px 0}
.chips span{background:#fff;border:1px solid var(--line);padding:7px 16px;border-radius:999px;color:var(--teal);font-weight:600}
.narrow{max-width:820px!important}
.risk{background:var(--navy);color:#fff;padding:26px 30px;border-radius:16px;font-size:.85rem;margin-top:30px}

.phead{padding:52px 0 30px;border-bottom:1px solid var(--line);background:#fff}
.phead h1{font-size:clamp(1.8rem,4.2vw,2.8rem);color:var(--navy);font-weight:800;line-height:1.15}
.lede{margin-top:14px;max-width:700px;color:var(--mut);font-size:1.04rem}
.crumb{font-size:.85rem;color:var(--mut);margin-bottom:18px}
.crumb a{color:var(--teal);font-weight:600}

.cta-card{background:linear-gradient(120deg,#0b3c5d,#1a8f8d);color:#fff;border-radius:20px;padding:44px 40px;text-align:center}
.cta-card h2{color:#fff;font-size:1.5rem;font-weight:800}
.cta-card p{color:#dff7f5;margin:10px 0 24px}
.cta-card .btn{background:#fff;color:var(--navy)}

table.tb{width:100%;border-collapse:collapse;font-size:.94rem;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}
.tb th,.tb td{padding:13px 16px;border-bottom:1px solid var(--line);text-align:left}
.tb th{background:var(--navy);color:#fff;font-weight:700}
.tb tr:last-child td{border-bottom:0}

.faqwrap{display:flex;flex-direction:column;gap:12px}
.faq{background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden}
.faq summary{padding:18px 22px;cursor:pointer;font-weight:700;color:var(--navy);list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::before{content:"?";display:inline-block;width:24px;height:24px;line-height:24px;text-align:center;background:var(--teal);color:#fff;border-radius:50%;margin-right:12px;font-size:.85rem}
.faq .a{padding:4px 22px 18px 58px;color:var(--mut);font-size:.95rem}

footer.site{border-top:1px solid var(--line);margin-top:60px;padding:42px 0 34px;color:var(--mut);font-size:.9rem;background:#fff}
.ft{display:flex;justify-content:space-between;gap:30px;flex-wrap:wrap}
.ft nav{display:flex;gap:18px;flex-wrap:wrap}
.ft nav a:hover{color:var(--navy)}

@media(max-width:860px){
  .g3{grid-template-columns:1fr}
  .g2{grid-template-columns:1fr}
  .split{grid-template-columns:1fr}
  .metricband{grid-template-columns:1fr 1fr}
  .metricband .m+.m{border-left:0;padding-left:0;border-top:1px dashed var(--line);padding-top:14px}
  .metricband .m{border-top:1px dashed var(--line);padding-top:14px}
  .metricband .m:first-child{border-top:0;padding-top:0}
  .nav-toggle{display:block}
  nav.main{position:fixed;top:70px;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:18px 26px;gap:16px;border-bottom:1px solid var(--line);display:none}
  nav.main.open{display:flex}
  .phead{padding:38px 0 22px}
  .hero{padding:34px 0 4px}
}