:root{--navy:#0F2A45;--navy2:#16395C;--copper:#B8793C;--ink:#22303C;
--muted:#63737F;--line:#DFE5EA;--bg:#F7F5F2;--white:#fff}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:16px/1.65 -apple-system,BlinkMacSystemFont,"Helvetica Neue",Arial,sans-serif;
color:var(--ink);background:var(--white);-webkit-font-smoothing:antialiased}
.wrap{max-width:1120px;margin:0 auto;padding:0 22px}
a{color:var(--navy2)}
.skip{position:absolute;left:-9999px}
h1,h2,h3,h4{color:var(--navy);line-height:1.25;margin:0 0 .5em}
h1{font-size:clamp(28px,4vw,44px);letter-spacing:-.02em}
h2{font-size:clamp(22px,2.6vw,30px);margin-top:0}
h3{font-size:18px;margin-bottom:.35em}
p{margin:0 0 1em}
.muted{color:var(--muted);font-size:14px}
.lead{font-size:clamp(17px,1.6vw,20px);color:#3C4C58;max-width:70ch}
.sub{color:var(--muted);max-width:70ch;margin-bottom:28px}
.note{font-size:13px;color:var(--muted)}
/* header */
header.site{background:var(--navy);position:sticky;top:0;z-index:20}
.bar{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:66px;flex-wrap:wrap}
.logo{display:flex;align-items:center;gap:11px;text-decoration:none;color:#fff}
.mark{display:grid;place-items:center;width:34px;height:34px;border:1.5px solid var(--copper);
border-radius:8px;color:var(--copper);font-weight:700;font-size:13px;letter-spacing:.5px}
.lname{font-weight:700;letter-spacing:.12em;font-size:14px}
nav.main{display:flex;align-items:center;gap:22px;flex-wrap:wrap}
nav.main a{color:#D5DEE7;text-decoration:none;font-size:14.5px}
nav.main a:hover{color:#fff}
/* buttons */
.btn{display:inline-block;background:var(--copper);color:#fff;text-decoration:none;
padding:12px 22px;border-radius:7px;font-weight:600;font-size:15px;border:0}
.btn:hover{background:#A66A32}
.btn.ghost{background:transparent;border:1.5px solid var(--copper);color:var(--copper)}
.btn.ghost:hover{background:rgba(184,121,60,.08)}
.btn.sm{padding:8px 16px;font-size:13.5px}
.btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:8px}
/* hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy2) 70%,#1E4A72 100%);
color:#fff;padding:74px 0 66px}
.hero h1,.hero h2{color:#fff}
.hero .lead{color:#C6D4E0}
.eyebrow{color:var(--copper);font-size:13px;letter-spacing:.16em;text-transform:uppercase;
font-weight:600;margin-bottom:10px}
.hero .btn.ghost{color:#fff;border-color:rgba(255,255,255,.45)}
/* trust */
.trust{background:var(--bg);border-bottom:1px solid var(--line)}
.tgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:8px}
.tgrid>div{padding:22px 0}
.tgrid strong{display:block;color:var(--navy);font-size:16px}
.tgrid span{color:var(--muted);font-size:13.5px}
/* sections */
.sec{padding:62px 0}
.alt{background:var(--bg);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.crumb{font-size:13px;color:var(--muted);margin-bottom:14px}
.crumb a{color:var(--muted);text-decoration:none}
/* cards */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(232px,1fr));gap:18px}
.card{display:block;background:var(--white);border:1px solid var(--line);border-radius:10px;
padding:24px;text-decoration:none;color:var(--ink);border-top:3px solid var(--copper)}
.card:hover{border-color:var(--copper);box-shadow:0 8px 24px rgba(15,42,69,.09)}
.card h3{color:var(--navy);margin-bottom:2px}
.card .inci{color:var(--copper);font-size:13px;margin-bottom:10px;font-weight:600}
.card p{font-size:14.5px;color:#4A5A66}
.card .more{color:var(--navy2);font-size:14px;font-weight:600}
/* columns */
.cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:26px}
.cols>div{border-left:3px solid var(--copper);padding-left:18px}
.cols h3{font-size:17px}
.cols p{font-size:14.5px;color:#4A5A66}
/* split */
.split{display:grid;grid-template-columns:1.15fr .85fr;gap:44px;margin-top:30px}
@media(max-width:820px){.split{grid-template-columns:1fr;gap:30px}}
/* lists */
ul.ticks{list-style:none;padding:0;margin:0 0 20px}
ul.ticks li{position:relative;padding-left:26px;margin-bottom:9px;font-size:15px}
ul.ticks li:before{content:"";position:absolute;left:6px;top:9px;width:6px;height:10px;
border-right:2px solid var(--copper);border-bottom:2px solid var(--copper);transform:rotate(40deg)}
ul.ticks.big li{margin-bottom:14px}
ul.cross{list-style:none;padding:0;margin:0 0 20px}
ul.cross li{position:relative;padding-left:26px;margin-bottom:9px;font-size:15px;color:#7A8894}
ul.cross li:before{content:"×";position:absolute;left:8px;top:-1px;color:#B4453C;font-weight:700}
ol.steps{padding-left:20px;margin:0 0 20px}
ol.steps li{margin-bottom:14px;font-size:15px}
/* tables */
.tw{overflow-x:auto;border:1px solid var(--line);border-radius:9px;background:var(--white)}
table{border-collapse:collapse;width:100%;font-size:14.5px}
th,td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--line)}
thead th{background:var(--bg);color:var(--navy);font-size:13px;text-transform:uppercase;
letter-spacing:.05em;white-space:nowrap}
tbody tr:last-child td{border-bottom:0}
table.kv th{width:34%;color:var(--navy);font-weight:600;background:transparent}
table.kv tr:hover{background:#FCFBF9}
/* cta */
.cta{background:var(--navy);color:#fff;padding:56px 0;text-align:center}
.cta h2{color:#fff}
.cta p{color:#C6D4E0;max-width:64ch;margin:0 auto 18px}
.cta .btns{justify-content:center}
.cta .btn.ghost{color:#fff;border-color:rgba(255,255,255,.45)}
/* footer */
footer.site{background:#0B1F33;color:#A9BAC8;padding:52px 0 26px;font-size:14.5px}
.fgrid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:34px}
@media(max-width:760px){.fgrid{grid-template-columns:1fr;gap:26px}}
.flogo{color:#fff;font-weight:700;letter-spacing:.12em;margin-bottom:10px;font-size:14px}
footer.site h4{color:#fff;font-size:13px;text-transform:uppercase;letter-spacing:.1em;margin-bottom:12px}
footer.site ul{list-style:none;padding:0;margin:0}
footer.site li{margin-bottom:8px}
footer.site a{color:#A9BAC8;text-decoration:none}
footer.site a:hover{color:#fff}
.legal{border-top:1px solid #1C3550;margin-top:36px;padding-top:22px}
.legal p{font-size:12px;color:#7C8C9B;line-height:1.6}

/* article */
.art{max-width:760px}
.art h2{margin-top:2.1em;font-size:24px}
.art h3{margin-top:1.6em;font-size:17.5px}
.art p,.art li{font-size:16.5px;line-height:1.75;color:#2C3A45}
.art ul.ticks li{margin-bottom:12px}
.art .tw{margin:24px 0}
.byline{color:var(--copper);font-size:13.5px;font-weight:600;text-transform:uppercase;
letter-spacing:.06em;margin-bottom:34px}
.tagl{color:var(--copper);font-size:12px;font-weight:700;text-transform:uppercase;
letter-spacing:.07em;margin:0 0 8px}