*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:#fff;color:#1F2A44;font-family:Barlow,system-ui,sans-serif;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:#0B4DA2;text-decoration:none;transition:color .18s,background-color .18s,border-color .18s,transform .18s}
a:hover{color:#1F2A44}
img{max-width:100%;height:auto;display:block}
:focus-visible{outline:3px solid #C8102E;outline-offset:2px}
.c{max-width:1240px;margin:0 auto;padding-left:clamp(18px,4vw,24px);padding-right:clamp(18px,4vw,24px)}
.cn{max-width:860px}
.bc,.ey,.nav a,.btn,h1,h2,h3,.tb,.lbl{font-family:'Barlow Condensed',sans-serif}
.skip{position:absolute;left:-9999px;top:0;z-index:100;background:#1F2A44;color:#fff;padding:14px 20px}
.skip:focus{left:0}
.tb{background:#f4f7fb;border-bottom:1px solid #e3e8ef;padding:9px 0;font-weight:600;font-size:clamp(12px,3vw,15px);letter-spacing:.09em;text-transform:uppercase;text-align:center;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.tb a{color:#1F2A44}.tb span{color:#C8102E;margin:0 10px}
header{position:sticky;top:0;z-index:40;background:#0B4DA2;border-bottom:1px solid #0a438c}
.hd{display:flex;align-items:center;gap:12px 20px;padding-top:9px;padding-bottom:9px}
.hd .logo img{height:38px;width:auto}
.nav{display:flex;flex-wrap:wrap;gap:6px 22px;margin-left:auto;font-weight:600;font-size:16px;letter-spacing:.1em;text-transform:uppercase}
.nav a{color:#dbe3ef}.nav a:hover,.nav a[aria-current]{color:#fff}
.nav a[aria-current]{border-bottom:2px solid #C8102E}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:15px 26px;border-radius:2px;font-weight:700;font-size:18px;letter-spacing:.09em;text-transform:uppercase;line-height:1.1}
.wa{background:#25D366;color:#08240f}.wa:hover{background:#1ebe5b;color:#08240f}
.ghost{background:#fff;border:1px solid #cbd5e3;color:#1F2A44}.ghost:hover{border-color:#0B4DA2;color:#0B4DA2}
.hd .wa{padding:10px 18px;font-size:16px}
.mm{display:none;margin-left:auto}
.mm summary{list-style:none;cursor:pointer;width:46px;height:46px;border:1px solid #3d6fb8;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:5px}
.mm summary::-webkit-details-marker{display:none}
.mm summary i{display:block;width:20px;height:2px;background:#fff}
.mm nav{position:absolute;left:0;right:0;top:100%;background:#0B4DA2;border-top:1px solid #2e5fa6;padding:6px clamp(18px,4vw,24px) 18px;display:flex;flex-direction:column;font-family:'Barlow Condensed',sans-serif;font-weight:600;font-size:18px;letter-spacing:.1em;text-transform:uppercase}
.mm nav a{color:#fff;padding:13px 2px;border-bottom:1px solid #2e5fa6}
.mm nav .wa{margin-top:14px;border:0;color:#08240f}
@media (max-width:960px){.nav,.hd>.wa{display:none}.mm{display:block}}
.bc{font-size:14px;letter-spacing:.08em;text-transform:uppercase;color:#6b7891;padding-top:18px}
.bc a{color:#6b7891}.bc a:hover{color:#0B4DA2}.bc span{margin:0 8px;color:#C8102E}
.hero{background:#f4f7fb;border-bottom:1px solid #e3e8ef}
.hero .g{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,330px),1fr));gap:clamp(28px,4vw,48px);align-items:center;padding-top:clamp(22px,3vw,34px);padding-bottom:clamp(40px,5vw,64px)}
.ey{display:inline-block;font-weight:600;font-size:14px;letter-spacing:.2em;text-transform:uppercase;color:#C8102E;margin-bottom:14px}
.hero .ey{background:#C8102E;color:#fff;padding:7px 14px;letter-spacing:.18em}
h1{margin:0 0 18px;font-weight:700;font-size:clamp(36px,5.4vw,66px);line-height:1;text-transform:uppercase;color:#1F2A44;text-wrap:balance}
h1 em{font-style:normal;color:#0B4DA2}
h2{margin:0 0 18px;font-weight:700;font-size:clamp(28px,5vw,44px);line-height:1.02;text-transform:uppercase;color:#1F2A44;text-wrap:balance}
h3{margin:0 0 8px;font-weight:700;font-size:23px;line-height:1.08;text-transform:uppercase;color:#1F2A44}
.lead{margin:0 0 26px;font-size:19px;line-height:1.6;color:#4a586f;max-width:600px}
.ctas{display:flex;flex-wrap:wrap;gap:12px}
.ctas .btn{flex:1 1 240px}
.chk{display:flex;flex-wrap:wrap;gap:6px 16px;margin-top:16px;font-size:15px;color:#637089}
.hero figure{margin:0;position:relative}
.hero figure img{width:100%;height:clamp(240px,40vw,400px);object-fit:cover;border-radius:2px;background:#1F2A44}
.hero figure figcaption{position:absolute;left:0;bottom:0;background:#0B4DA2;color:#fff;padding:12px 18px;font-family:'Barlow Condensed',sans-serif;font-weight:700;font-size:19px;text-transform:uppercase;max-width:85%}
.sec{padding-top:clamp(48px,6.5vw,84px);padding-bottom:clamp(48px,6.5vw,84px);border-bottom:1px solid #e3e8ef}
.alt{background:#f4f7fb}
.dark{background:#1F2A44;color:#c6d0e0}.dark h2,.dark h3{color:#fff}
.sec p,.sec li{font-size:18px;line-height:1.65;color:#53617a}
.dark p,.dark li{color:#c6d0e0}
.intro{max-width:760px;margin-bottom:34px}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,270px),1fr));gap:18px}
.card{background:#fff;border:1px solid #dfe6ef;border-top:3px solid #C8102E;border-radius:2px;padding:24px}
.card p{font-size:16px;margin:0}
.card .ex{margin-top:10px;font-size:14px;color:#0B4DA2;font-weight:600}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,260px),1fr));gap:18px;padding:0;list-style:none}
.steps li{counter-increment:s;background:#fff;border:1px solid #dfe6ef;padding:22px 22px 22px 70px;position:relative;font-size:16px}
.steps li:before{content:counter(s);position:absolute;left:20px;top:18px;width:36px;height:36px;background:#1F2A44;color:#fff;display:flex;align-items:center;justify-content:center;font-family:'Barlow Condensed',sans-serif;font-weight:700;font-size:20px}
.steps strong{display:block;color:#1F2A44;margin-bottom:4px}
.tw{overflow-x:auto;margin:8px 0 18px;border:1px solid #dfe6ef}
table{border-collapse:collapse;width:100%;min-width:480px;background:#fff;font-size:16px}
th,td{text-align:left;padding:12px 14px;border-bottom:1px solid #e3e8ef;vertical-align:top}
th{background:#1F2A44;color:#fff;font-family:'Barlow Condensed',sans-serif;font-weight:600;letter-spacing:.08em;text-transform:uppercase;font-size:15px}
tr:last-child td{border-bottom:0}
td code,p code,li code{font-family:ui-monospace,Consolas,monospace;background:#eef3fa;color:#0B4DA2;padding:1px 6px;border-radius:2px;font-size:.92em}
.quick{background:#fff;border:1px solid #dfe6ef;border-left:4px solid #0B4DA2;padding:20px 24px;margin:0 0 30px}
.quick .lbl{font-weight:700;font-size:14px;letter-spacing:.18em;text-transform:uppercase;color:#0B4DA2;margin-bottom:6px}
.quick p{margin:0;color:#1F2A44}
.art h2{margin-top:44px;font-size:clamp(26px,4.4vw,38px)}
.art h2:first-of-type{margin-top:0}
.art h3{margin-top:26px}
.art ul,.art ol{padding-left:22px}
.art li{margin-bottom:6px}
.faq{display:grid;gap:10px}
.faq details{background:#fff;border:1px solid #dfe6ef;padding:0 20px}
.faq summary{padding:18px 30px 18px 0;position:relative;font-weight:700;font-size:17px;color:#1F2A44;cursor:pointer;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:0;color:#C8102E;font-size:22px;top:14px}
.faq details[open] summary{color:#0B4DA2}.faq details[open] summary:after{content:"–"}
.faq p{margin:0 0 20px;font-size:17px}
.band{background:#0B4DA2;color:#fff;text-align:center}
.band h2{color:#fff}.band p{color:#dbe7f8;max-width:640px;margin:0 auto 26px}
.links{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,230px),1fr));gap:14px}
.links a{display:block;background:#fff;border:1px solid #dfe6ef;padding:18px 20px;color:#1F2A44;font-family:'Barlow Condensed',sans-serif;font-weight:700;font-size:20px;text-transform:uppercase;line-height:1.1}
.links a small{display:block;font-family:Barlow,sans-serif;font-weight:500;font-size:14px;text-transform:none;color:#6b7891;margin-top:6px;line-height:1.4}
.links a:hover{border-color:#0B4DA2;color:#0B4DA2}
.meta{font-size:14px;color:#6b7891;margin:-6px 0 22px}
footer{background:#1F2A44;color:#fff}
.ft{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,200px),1fr));gap:36px;padding-top:clamp(40px,6vw,56px);padding-bottom:30px}
.ft p,.ft div{color:#a9b6cd;font-size:15px;line-height:1.6;margin:0}
.ft .t{color:#8593aa;font-family:'Barlow Condensed',sans-serif;font-weight:600;font-size:13px;letter-spacing:.18em;text-transform:uppercase;margin-bottom:10px}
.ft ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.ft a{color:#dbe3ef}.ft a:hover{color:#fff}
.cp{border-top:1px solid #2e3b56;padding:20px 24px 90px;text-align:center;font-size:14px;color:#8593aa}
.fl{position:fixed;right:clamp(12px,3vw,20px);bottom:calc(clamp(12px,3vw,20px) + env(safe-area-inset-bottom));z-index:60;border-radius:60px;box-shadow:0 10px 30px rgba(31,42,68,.3);padding:14px 20px;font-size:17px}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
.btn svg{flex:0 0 auto}