:root{--navy:#062b4f;--deep:#031a2f;--blue:#0b577a;--teal:#00a7a3;--teal2:#008985;--ink:#18384f;--muted:#627789;--soft:#f3f7fa;--line:#d8e5eb;--yellow:#fff6d8;--radius:20px;--max:1240px;--shadow:0 16px 42px rgba(4,43,78,.10)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);font-size:17px;line-height:1.68}a{color:inherit}img{max-width:100%;display:block}.shell{width:min(calc(100% - 2rem),var(--max));margin:auto}.topbar{background:var(--deep);color:#dceaf2;font-size:.83rem}.topbar .shell{min-height:36px;display:flex;justify-content:space-between;align-items:center}.topbar a{color:#b7f3ee;text-decoration:none;font-weight:900}header{position:sticky;top:0;z-index:100;background:#fff;border-bottom:1px solid var(--line)}.header-inner{min-height:88px;display:flex;justify-content:space-between;align-items:center;gap:1.2rem}.brand{display:flex;align-items:center;gap:.8rem;text-decoration:none}.brand img{width:180px;height:58px;object-fit:contain}.brand span{display:flex;flex-direction:column;line-height:1.15}.brand strong{color:var(--navy)}.brand small{font-size:.72rem;color:var(--muted)}.nav{display:flex;gap:.82rem;align-items:center}.nav a{text-decoration:none;font-weight:800;color:var(--navy);font-size:.88rem}.nav .cta{background:var(--teal);color:#fff;padding:.7rem .9rem;border-radius:10px}.nav-toggle{display:none}.hero{background:radial-gradient(circle at 82% 20%,rgba(0,188,181,.24),transparent 24%),linear-gradient(135deg,#041f38,#073f68 58%,#08728b);color:#fff}.hero-grid{min-height:650px;display:grid;grid-template-columns:1.05fr .95fr;gap:4rem;align-items:center;padding:5.3rem 0}.eyebrow,.kicker{text-transform:uppercase;letter-spacing:.09em;font-size:.76rem;font-weight:900;color:var(--teal)}.eyebrow{display:inline-flex;color:#d8fffb;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.2);padding:.42rem .68rem;border-radius:999px}h1{font-size:clamp(3rem,5.2vw,5.5rem);line-height:1.02;letter-spacing:-.04em;margin:1rem 0;color:#fff}h2{font-size:clamp(2rem,3.5vw,3.2rem);line-height:1.1;color:var(--navy)}h3{color:var(--navy)}.hero p{font-size:1.17rem;color:#dceaf2}.hero-visual{min-height:450px;display:grid;place-items:center}.hero-visual img{width:min(100%,560px)}.actions{display:flex;gap:.8rem;flex-wrap:wrap;margin-top:1.4rem}.btn{display:inline-flex;padding:.86rem 1.08rem;border-radius:11px;text-decoration:none;font-weight:900;border:1px solid transparent}.btn-primary{background:var(--teal);color:#fff}.btn-outline{border-color:rgba(255,255,255,.42);color:#fff}.btn-light{background:#fff;border-color:var(--line);color:var(--navy)}section{padding:5.3rem 0}.soft{background:var(--soft)}.deep-section{background:var(--navy);color:#fff}.deep-section h2,.deep-section h3{color:#fff}.deep-section p{color:#dceaf2}.section-head{max-width:880px;margin-bottom:2.1rem}.lead{font-size:1.14rem;color:var(--muted)}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:1.2rem}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem}.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem;box-shadow:0 10px 30px rgba(4,43,78,.06)}.feature{display:flex;flex-direction:column;min-height:220px}.feature .text-link,.feature .btn{margin-top:auto}.icon{width:52px;height:52px;border-radius:15px;background:#d8f5f3;display:grid;place-items:center;font-weight:900;margin-bottom:1rem}.text-link{color:var(--teal2);font-weight:900;text-decoration:none}.page-hero{background:linear-gradient(135deg,var(--navy),var(--blue));padding:4.5rem 0;color:#fff}.page-hero h1{font-size:clamp(2.7rem,4.6vw,4.5rem)}.page-hero p{color:#dceaf2}.content-layout{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:3rem}.article{max-width:880px}.sidebar{position:sticky;top:110px}.sidebar a{display:block;padding:.5rem 0;text-decoration:none;border-bottom:1px solid var(--line);font-weight:800}.notice{background:var(--yellow);color:#111;border-left:5px solid #e0b442;padding:1rem 1.15rem;border-radius:11px;margin:1.2rem 0}.caution{background:#fff0ef;border-left:5px solid #d46960;padding:1rem 1.15rem;border-radius:11px}.process{counter-reset:step;display:grid;grid-template-columns:repeat(2,1fr);gap:1rem}.process .card{position:relative;padding-left:4.5rem}.process .card:before{counter-increment:step;content:counter(step);position:absolute;left:1.25rem;top:1.35rem;width:2.4rem;height:2.4rem;border-radius:50%;display:grid;place-items:center;background:var(--teal);color:#fff;font-weight:900}.form-card{max-width:1000px;margin:auto}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.field{display:flex;flex-direction:column;gap:.35rem}.full{grid-column:1/-1}label{font-weight:900;color:var(--navy)}input,select,textarea{width:100%;padding:.87rem .92rem;border:1px solid var(--line);border-radius:10px;font:inherit}textarea{min-height:130px}.check{display:flex;gap:.6rem;align-items:flex-start}.check input{width:auto;margin-top:.3rem}.footer{background:var(--deep);color:#cbdce6;padding:3.5rem 0 1.2rem}.footer-grid{display:grid;grid-template-columns:1.35fr 1fr 1fr 1fr;gap:2rem}.footer img{width:190px;background:#fff}.footer h3{color:#fff}.footer a{display:block;color:#d9e7ef;text-decoration:none;margin:.3rem 0}.footer-bottom{border-top:1px solid rgba(255,255,255,.13);margin-top:2rem;padding-top:1rem;font-size:.86rem}@media(max-width:900px){.brand span{display:none}.nav-toggle{display:block;background:var(--navy);color:#fff;border:0;border-radius:9px;padding:.6rem}.nav{display:none;position:absolute;left:0;right:0;top:88px;background:#fff;padding:1rem;flex-direction:column;align-items:flex-start}.nav.open{display:flex}.hero-grid{grid-template-columns:1fr}.grid-3{grid-template-columns:repeat(2,1fr)}.grid-4{grid-template-columns:repeat(2,1fr)}.content-layout{grid-template-columns:1fr}.sidebar{position:static}.footer-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:650px){body{font-size:16px}.brand img{width:150px}.grid-2,.grid-3,.grid-4,.process,.form-grid,.footer-grid{grid-template-columns:1fr}.full{grid-column:auto}h1{font-size:3rem}.hero-grid{padding:4rem 0}.hero-visual{min-height:280px}}