:root{--blue:#2563EB;--teal:#0D9488;--violet:#7C3AED;--rose:#E11D48;--green:#16A34A;--orange:#EA580C;--navy:#0B2545;--navy2:#13315C;--deep:#061529;--amber:#F5A524;--amber2:#E8940F;--bg:#F4F7FC;--line:#DDE5F0;--muted:#51607A;--ok:#12805C;--bad:#B42318;--grad:linear-gradient(135deg,#FFC94D 0%,#F5A524 55%,#E8890B 100%);--shadow:0 18px 50px rgba(11,37,69,.12);--shadow-s:0 6px 22px rgba(11,37,69,.08)}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:500 16.5px/1.7 'Plus Jakarta Sans',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;color:var(--navy);background:#fff;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:'Plus Jakarta Sans',system-ui,sans-serif;font-weight:800;line-height:1.2;margin:0 0 .5em;color:var(--navy);letter-spacing:-.025em}
h1{font-size:clamp(32px,4.6vw,52px)}h2{font-size:clamp(26px,3.2vw,38px)}h3{font-size:20px}
p{margin:0 0 1em}a{color:var(--navy2)}img,svg{max-width:100%}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
.sec{padding:84px 0}.sec.alt{background:linear-gradient(180deg,#EEF4FF,#F7F9FF)}
.sec.dark{background:radial-gradient(700px 400px at 95% 0,rgba(245,165,36,.18),transparent 60%),radial-gradient(600px 400px at 0 100%,rgba(124,58,237,.28),transparent 60%),linear-gradient(160deg,#0B2545,#12306A);color:#fff;position:relative;overflow:hidden}
.sec.dark h2,.sec.dark h3{color:#fff}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font:700 12.5px/1 'Plus Jakarta Sans',sans-serif;letter-spacing:.14em;text-transform:uppercase;color:#B26A00;margin:0 0 14px}
.eyebrow::before{content:"";width:28px;height:2px;background:var(--grad);border-radius:2px}
.dark .eyebrow,.hero .eyebrow,.page-head .eyebrow{color:var(--amber)}
.lead{font-size:19px;color:var(--muted);max-width:680px}
.muted{color:var(--muted)}
.center{text-align:center}.center .lead{margin-left:auto;margin-right:auto}.center .eyebrow{justify-content:center}
.sec-head{max-width:720px;margin-bottom:44px}.sec-head.center{margin-left:auto;margin-right:auto}
:focus-visible{outline:3px solid var(--amber);outline-offset:2px}
.skip{position:absolute;left:-999px;top:8px;background:#fff;color:var(--navy);padding:10px 14px;border-radius:8px;z-index:200}.skip:focus{left:8px}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:50px;padding:0 28px;border:0;border-radius:999px;font:700 16px 'Plus Jakarta Sans',sans-serif;cursor:pointer;text-decoration:none;transition:transform .18s,box-shadow .18s,filter .18s}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:var(--grad);color:var(--navy);box-shadow:0 8px 22px rgba(245,165,36,.38)}.btn-primary:hover{box-shadow:0 12px 28px rgba(245,165,36,.5)}
.btn-dark{background:var(--navy);color:#fff;box-shadow:0 8px 20px rgba(11,37,69,.25)}
.btn-ghost{background:rgba(255,255,255,.06);color:#fff;box-shadow:inset 0 0 0 1.5px rgba(255,255,255,.55)}.btn-ghost:hover{background:rgba(255,255,255,.14)}
.btn-line{background:#fff;color:var(--navy);box-shadow:inset 0 0 0 1.5px var(--navy)}
.btn-wa{background:#1FA855;color:#fff;box-shadow:0 8px 20px rgba(31,168,85,.3)}
.btn-block{width:100%}.btn-sm{min-height:42px;padding:0 20px;font-size:15px}

.top{background:var(--deep);color:#B7C5DC;font-size:13.5px}
.top .wrap{display:flex;justify-content:space-between;gap:12px;align-items:center;min-height:40px;flex-wrap:wrap}
.top a{color:#fff;text-decoration:none;font-weight:600;display:inline-flex;gap:6px;align-items:center}
.hdr{background:rgba(11,37,69,.94);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);color:#fff;position:sticky;top:0;z-index:60;border-bottom:1px solid rgba(255,255,255,.08)}
.hdr .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:72px}
.logo{display:flex;align-items:center;gap:11px;color:#fff;text-decoration:none;font:700 22px 'Plus Jakarta Sans',sans-serif}
.logo-mark{width:40px;height:40px;border-radius:12px;background:var(--grad);display:inline-flex;align-items:center;justify-content:center;color:var(--navy);box-shadow:0 6px 16px rgba(245,165,36,.4);flex:none}
.logo b{color:var(--amber);font-weight:700}
.nav ul{list-style:none;margin:0;padding:0;display:flex;gap:2px;align-items:center}
.nav a{color:#E4ECF8;text-decoration:none;font-weight:600;font-size:15px;padding:10px 13px;border-radius:10px;display:inline-block;transition:background .15s,color .15s}
.nav a:hover{background:rgba(255,255,255,.1);color:#fff}
.dd{position:relative}
.dd-menu{display:none;position:absolute;left:-40px;top:100%;background:#fff;border-radius:18px;box-shadow:0 24px 60px rgba(0,0,0,.28);padding:12px;min-width:560px;grid-template-columns:1fr 1fr;gap:2px;border:1px solid var(--line)}
.dd:hover .dd-menu,.dd:focus-within .dd-menu{display:grid}
.dd-menu a{color:var(--navy)!important;display:flex;gap:12px;align-items:center;padding:10px 12px;font-weight:600;font-size:15px;border-radius:12px}
.dd-menu a span{line-height:1.25}
.dd-menu a svg{flex:none;width:38px;height:38px;padding:9px;border-radius:11px;background:#EAF0F9;color:var(--navy2)}
.dd-menu a:hover{background:var(--bg)}.dd-menu a:hover svg{background:var(--navy);color:var(--amber)}
.menu-btn{display:none;background:none;border:0;color:#fff;min-width:44px;min-height:44px;cursor:pointer}

/* hero */
.hero{position:relative;overflow:hidden;color:#fff;padding:64px 0 108px;background:radial-gradient(900px 520px at 90% -8%,rgba(245,165,36,.28),transparent 60%),radial-gradient(800px 560px at -8% 110%,rgba(37,99,235,.55),transparent 60%),radial-gradient(500px 400px at 50% 120%,rgba(124,58,237,.35),transparent 60%),linear-gradient(160deg,#0A2250,#0E3170 60%,#1A3F86)}
.hero::before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.045) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.045) 1px,transparent 1px);background-size:46px 46px;-webkit-mask-image:radial-gradient(ellipse at 30% 40%,#000,transparent 72%);mask-image:radial-gradient(ellipse at 30% 40%,#000,transparent 72%)}
.hero>.wrap{position:relative;z-index:1}
.hero h1{color:#fff}.hero .lead{color:#D6E0F0}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.hero-badge{display:inline-flex;align-items:center;gap:10px;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.18);padding:7px 16px 7px 8px;border-radius:999px;font-weight:600;font-size:14.5px;margin-bottom:20px;backdrop-filter:blur(6px)}
.hero-badge i{width:30px;height:30px;border-radius:50%;background:var(--grad);color:var(--navy);display:inline-flex;align-items:center;justify-content:center;font-style:normal}
.ticks{list-style:none;margin:24px 0 0;padding:0;display:grid;gap:12px}
.ticks li{display:flex;gap:12px;align-items:center;font-size:17px}
.tick{flex:none;width:26px;height:26px;border-radius:50%;background:var(--grad);color:var(--navy);display:inline-flex;align-items:center;justify-content:center}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.vchips{display:flex;flex-wrap:wrap;gap:10px;margin-top:32px}
.vchips a{display:inline-flex;align-items:center;gap:8px;color:#fff;text-decoration:none;font-weight:600;font-size:14.5px;padding:9px 16px 9px 12px;border-radius:999px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);transition:background .15s,transform .15s}
.vchips a:hover{background:rgba(255,255,255,.18);transform:translateY(-2px)}
.vchips svg{color:var(--amber)}
.card-form{position:relative;background:#fff;color:var(--navy);border-radius:24px;padding:30px;box-shadow:0 30px 70px rgba(0,0,0,.35);border-top:5px solid var(--amber)}
.card-form h2,.card-form h3{font-size:27px;margin-bottom:4px}
.card-form .sub{color:var(--muted);font-size:15px;margin-bottom:18px}
.pill{display:inline-flex;align-items:center;gap:6px;background:#E8F6EF;color:var(--ok);font:700 12.5px 'Plus Jakarta Sans',sans-serif;padding:5px 12px 5px 9px;border-radius:999px;margin-bottom:12px}
.fgroup{margin-bottom:14px}
.lbl{display:block;font:600 14px 'Plus Jakarta Sans',sans-serif;margin-bottom:6px}
.fld{width:100%;min-height:50px;padding:0 15px;border:1.5px solid #C5D0E0;border-radius:12px;font:16px 'Plus Jakarta Sans',sans-serif;color:var(--navy);background:#fff;transition:border-color .15s,box-shadow .15s}
.fld:focus{outline:0;border-color:var(--navy2);box-shadow:0 0 0 4px rgba(19,49,92,.12)}
.fld.bad{border-color:var(--bad)}
.err{color:var(--bad);font-size:14px;margin:8px 0 0;min-height:0}
.fine{font-size:13px;color:var(--muted);line-height:1.5;margin:12px 0 0;text-align:center}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;opacity:0}

/* trust strip */
.strip{max-width:1180px;margin:-56px auto 0;position:relative;z-index:2;background:#fff;border-radius:22px;box-shadow:var(--shadow);border:1px solid var(--line);padding:26px 30px;display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.strip>div{display:flex;gap:14px;align-items:center}
.strip .ib{width:52px;height:52px}
.strip b{display:block;font-size:16px;line-height:1.3}.strip span.t{font-size:14px;color:var(--muted)}

.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.g3{grid-template-columns:repeat(auto-fit,minmax(290px,1fr))}
.g4{grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.card{position:relative;background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px;display:flex;flex-direction:column;gap:12px;transition:box-shadow .25s,transform .25s,border-color .25s;color:inherit;text-decoration:none;box-shadow:var(--shadow-s)}
a.card:hover{box-shadow:var(--shadow);transform:translateY(-4px);border-color:#C3D2E8}
.card h3{margin:0}.card p{margin:0;color:var(--muted);font-size:16px}
.card .more{display:inline-flex;align-items:center;gap:8px;font-weight:700;color:var(--navy);margin-top:auto;padding-top:8px}
.card .more svg{transition:transform .2s}a.card:hover .more svg{transform:translateX(5px)}
.ib{width:58px;height:58px;border-radius:17px;background:linear-gradient(145deg,var(--a,#13315C),var(--b,#2F6BD0));display:inline-flex;align-items:center;justify-content:center;color:#fff;flex:none;box-shadow:0 10px 22px -6px var(--b,#2F6BD0)}
.ib.lt{background:color-mix(in srgb,var(--b,#3B82F6) 16%,#fff);color:var(--a,#1D4ED8);box-shadow:none}
.ib.am{background:var(--grad);color:var(--navy);box-shadow:0 8px 18px rgba(245,165,36,.4)}
.ib.dk{border-radius:50%}

.why{padding:28px;border-radius:22px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);display:flex;flex-direction:column;gap:14px}
.why h3{margin:0;font-size:21px}.why p{margin:0;color:#C9D6EC;font-size:16px}


.steps{position:relative}
.steps .step{position:relative;background:#fff;border:1px solid var(--line);border-radius:22px;padding:32px 28px;display:flex;flex-direction:column;gap:10px;box-shadow:var(--shadow-s);overflow:hidden}
.steps .step::after{content:"";position:absolute;right:-30px;top:-30px;width:110px;height:110px;border-radius:50%;background:radial-gradient(circle,color-mix(in srgb,var(--b) 30%,transparent),transparent 70%)}
.steps .n{width:52px;height:52px;border-radius:16px;background:linear-gradient(145deg,var(--a),var(--b));color:#fff;display:inline-flex;align-items:center;justify-content:center;font:800 24px/1 'Plus Jakarta Sans',sans-serif;box-shadow:0 10px 22px -6px var(--b)}
.steps h3{margin:6px 0 0}.steps p{color:var(--muted);margin:0;font-size:16px}

.tbl{width:100%;border-collapse:separate;border-spacing:0;background:#fff;border-radius:18px;overflow:hidden;border:1px solid var(--line);font-size:16px;box-shadow:var(--shadow-s)}
.tbl th,.tbl td{padding:15px 18px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.tbl th{background:linear-gradient(135deg,#0B2545,#13315C);color:#fff;font-weight:600}
.tbl tbody tr:nth-child(even) td{background:#F8FAFD}.tbl tr:last-child td{border-bottom:0}
.tbl-wrap{overflow-x:auto}
.cols{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.cov h3{display:flex;align-items:center;gap:12px;margin-bottom:6px}
.cov .ib{width:44px;height:44px;border-radius:13px}
.cov.no .ib{background:#FDECEA;color:var(--bad);box-shadow:none}.cov.yes .ib{background:#E8F6EF;color:var(--ok);box-shadow:none}
.list-ok,.list-no{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.list-ok li,.list-no li{display:flex;gap:12px;align-items:flex-start;font-size:16px}
.list-ok svg,.list-no svg{flex:none;margin-top:2px;width:24px;height:24px;padding:4px;border-radius:50%}
.list-ok svg{color:var(--ok);background:#E8F6EF}.list-no svg{color:var(--bad);background:#FDECEA}
.faq{display:grid;gap:12px;max-width:860px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:16px;padding:0 24px;box-shadow:var(--shadow-s);transition:border-color .2s}
.faq details[open]{border-color:var(--amber)}
.faq summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px;min-height:64px;font-weight:700;font-size:17px}
.faq summary::-webkit-details-marker{display:none}
.faq summary svg{flex:none;width:32px;height:32px;padding:6px;border-radius:50%;background:var(--bg);transition:transform .2s,background .2s}
.faq details[open] summary svg{transform:rotate(45deg);background:var(--grad)}
.faq details p{padding:0 0 22px;margin:0;color:var(--muted)}
.faq-wrap{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:40px;align-items:start}
.faq-wrap .faq{max-width:none}

.cta-band{position:relative;overflow:hidden;background:radial-gradient(500px 300px at 100% 0,rgba(245,165,36,.3),transparent 65%),linear-gradient(135deg,#0B2545,#13315C);color:#fff;border-radius:30px;padding:54px 52px;display:flex;flex-wrap:wrap;gap:28px;align-items:center;justify-content:space-between;box-shadow:var(--shadow)}
.cta-band::after{content:"";position:absolute;right:-40px;bottom:-60px;width:260px;height:260px;opacity:.07;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='1.2' stroke-linejoin='round'%3E%3Cpath d='M12 3l7 2.5V12c0 4.5-3 7.3-7 9-4-1.7-7-4.5-7-9V5.5z'/%3E%3Cpath d='M9 12l2 2 4-4'/%3E%3C/svg%3E") no-repeat center/contain;pointer-events:none}
.cta-band>*{position:relative;z-index:1}
.cta-band .ib{margin-bottom:14px}
.cta-band h2{color:#fff;margin:0 0 8px;font-size:clamp(27px,3.2vw,38px)}.cta-band p{margin:0;color:#D6E0F0;max-width:520px}

.crumbs{font-size:14px;color:var(--muted);padding:20px 0 0}
.crumbs a{color:var(--muted)}
.page-head{position:relative;overflow:hidden;color:#fff;padding:14px 0 56px;background:radial-gradient(700px 360px at 92% -20%,rgba(245,165,36,.22),transparent 60%),linear-gradient(160deg,#0B2545,#13315C)}
.page-head::before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);background-size:46px 46px;-webkit-mask-image:radial-gradient(ellipse at 20% 30%,#000,transparent 70%);mask-image:radial-gradient(ellipse at 20% 30%,#000,transparent 70%)}
.page-head>.wrap{position:relative}
.page-head h1{font-size:clamp(32px,4.6vw,54px);margin-top:16px;color:#fff;max-width:900px}
.page-head .lead{color:#D6E0F0}
.page-head .crumbs,.page-head .crumbs a{color:#9FB3D1}.page-head .crumbs a:hover{color:#fff}
.page-head .crumbs [aria-current]{color:#fff}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin:26px 0 0}
.chip{display:inline-flex;align-items:center;gap:8px;border:1px solid rgba(255,255,255,.2);background:rgba(255,255,255,.08);border-radius:999px;padding:9px 18px 9px 14px;font-weight:600;font-size:15px;text-decoration:none;color:#fff;transition:background .15s}
.chip:hover{background:var(--amber);color:var(--navy);border-color:var(--amber)}
.chip svg{color:var(--amber)}.chip:hover svg{color:var(--navy)}
.tag{display:inline-flex;align-items:center;gap:6px;background:#EAF0F9;color:var(--navy2);border-radius:999px;padding:5px 13px;font-size:13px;font-weight:700}

/* blog cards */
.bcard{padding:0;overflow:hidden;gap:0}
.bcard .bc-top{position:relative;height:118px;background:radial-gradient(240px 140px at 100% 0,rgba(255,255,255,.28),transparent 70%),linear-gradient(135deg,var(--a),var(--b));display:flex;align-items:flex-end;padding:0 24px}
.bcard .bc-top .big{position:absolute;right:-8px;top:-6px;color:rgba(255,255,255,.1)}
.bcard .bc-top .ib{width:52px;height:52px;margin-bottom:-26px;background:#fff;color:var(--a);border:4px solid #fff;border-radius:16px;box-shadow:0 8px 18px rgba(0,0,0,.18);position:relative}
.bcard .tag{background:color-mix(in srgb,var(--b) 16%,#fff);color:var(--a)}
.bcard .bc-body{padding:40px 24px 26px;display:flex;flex-direction:column;gap:10px;flex:1}
.bcard h3{font-size:21px;line-height:1.25;margin:0}
.bcard .rt{display:flex;align-items:center;gap:6px;font-size:13.5px;color:var(--muted);font-weight:600}
.feat{display:grid;grid-template-columns:1.1fr .9fr;border-radius:30px;overflow:hidden;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);text-decoration:none;color:inherit}
.feat .fl{padding:44px;display:flex;flex-direction:column;gap:14px;justify-content:center}
.feat h2{font-size:clamp(26px,3vw,36px);margin:0}.feat p{color:var(--muted);margin:0}
.feat .fr{position:relative;min-height:280px;background:radial-gradient(360px 260px at 80% 10%,rgba(245,165,36,.4),transparent 70%),linear-gradient(135deg,#0B2545,#1A4178);display:flex;align-items:center;justify-content:center;color:var(--amber)}
.feat .fr svg.bg{position:absolute;opacity:.1;color:#fff}
.cat-tiles{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:18px}
.cat-tile{display:flex;align-items:center;gap:16px;background:#fff;border:1px solid var(--line);border-radius:20px;padding:20px;text-decoration:none;color:var(--navy);box-shadow:var(--shadow-s);transition:transform .2s,box-shadow .2s}
.cat-tile:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.cat-tile{border-bottom:4px solid var(--b)}
.cat-tile b{display:block;font-size:17px;line-height:1.25}.cat-tile span.t{font-size:14px;color:var(--muted)}
.sec-title{display:flex;align-items:center;gap:16px;margin-bottom:28px}.sec-title h2{margin:0}

/* article */
.progress{position:fixed;left:0;top:0;height:4px;width:100%;z-index:90;background:transparent;pointer-events:none}
.progress i{display:block;height:100%;width:0;background:var(--grad);box-shadow:0 0 12px rgba(245,165,36,.7)}
.post-hero{padding-bottom:64px;background:radial-gradient(700px 360px at 92% -20%,color-mix(in srgb,var(--b,#F5A524) 55%,transparent),transparent 62%),radial-gradient(500px 300px at 0 110%,rgba(37,99,235,.3),transparent 60%),linear-gradient(160deg,#0A2250,#13357A)}
.post-hero .cat{display:inline-flex;align-items:center;gap:10px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);border-radius:999px;padding:6px 16px 6px 7px;font-weight:700;font-size:14px;margin-top:18px}
.post-hero .cat i{width:30px;height:30px;border-radius:50%;background:var(--grad);color:var(--navy);display:inline-flex;align-items:center;justify-content:center}
.post-hero .meta{display:flex;flex-wrap:wrap;gap:12px 22px;align-items:center;color:#C9D6EC;font-size:15px;margin-top:20px}
.post-hero .meta span{display:inline-flex;gap:8px;align-items:center}.post-hero .meta svg{color:var(--amber)}
.art-grid{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:52px;align-items:start;padding:44px 20px 80px}
.prose{max-width:780px}
.prose h2{font-size:clamp(24px,2.8vw,31px);margin:1.8em 0 .6em;scroll-margin-top:96px}
.prose h2::after{content:"";display:block;width:54px;height:4px;border-radius:4px;margin-top:12px;background:linear-gradient(90deg,var(--a,#1D4ED8),var(--b,#3B82F6))}
.prose h3{font-size:19px;margin:1.4em 0 .4em;font-weight:700;letter-spacing:-.01em}
.prose p,.prose li{font-size:17.5px;line-height:1.8;color:#1B2B47}
.prose ul,.prose ol{padding-left:0;margin:0 0 1.3em;list-style:none}
.prose ul li{position:relative;padding-left:34px;margin-bottom:10px}
.prose ul li::before{content:"";position:absolute;left:4px;top:.55em;width:14px;height:14px;border-radius:50%;background:linear-gradient(135deg,var(--a,#1D4ED8),var(--b,#3B82F6));box-shadow:0 0 0 4px color-mix(in srgb,var(--b,#3B82F6) 20%,transparent)}
.prose ol{counter-reset:li}.prose ol li{position:relative;padding-left:44px;margin-bottom:12px;counter-increment:li}
.prose ol li::before{content:counter(li);position:absolute;left:0;top:.1em;width:30px;height:30px;border-radius:10px;background:linear-gradient(145deg,var(--a,#13315C),var(--b,#2F6BD0));color:#fff;font:800 14px/30px 'Plus Jakarta Sans',sans-serif;text-align:center}
.prose a{color:#0B4DA8;font-weight:600}
.prose a.btn{text-decoration:none}.prose a.btn-primary{color:var(--navy)}.prose a.btn-dark,.prose a.btn-wa{color:#fff}
.prose strong{color:var(--navy)}
.tldr{display:flex;gap:16px;background:linear-gradient(135deg,#FFF8EA,#FFF1D6);border:1px solid #F5D9A0;border-radius:20px;padding:22px 24px;margin:0 0 26px}
.tldr .ib{width:46px;height:46px;border-radius:14px}
.tldr b{display:block;font-size:13px;letter-spacing:.1em;text-transform:uppercase;color:#B26A00;margin-bottom:4px}
.tldr p{margin:0;font-size:17px;line-height:1.6;color:var(--navy)}
.toc{background:#fff;border:1px solid var(--line);border-left:5px solid var(--b,#3B82F6);border-radius:20px;padding:20px 24px;margin:0 0 26px;box-shadow:var(--shadow-s)}
.toc b{display:flex;align-items:center;gap:8px;margin-bottom:8px;color:var(--a,#1D4ED8)}
.toc ol{margin:0;padding-left:0}.toc li{font-size:16px!important;margin-bottom:5px!important;padding-left:0!important;line-height:1.5!important}
.prose .toc ol li::before{display:none}.toc ol{counter-reset:none}.toc a{font-weight:600;text-decoration:none}
.box{position:relative;border-radius:22px;padding:24px 26px;margin:34px 0;display:flex;flex-wrap:wrap;gap:16px 20px;align-items:center;justify-content:space-between;background:linear-gradient(135deg,#FFF8EA,#FFF1D6);border:1px solid #F5D9A0}
.box .ib{width:52px;height:52px;border-radius:16px}
.box .bt{flex:1 1 260px}.box .bt b{display:block;font-size:19px;line-height:1.3;color:var(--navy)}.box .bt span{display:block;font-size:15px;color:var(--muted);margin-top:2px}
.box .ba{display:flex;gap:10px;flex-wrap:wrap}
.box.dk{background:radial-gradient(360px 200px at 100% 0,rgba(245,165,36,.3),transparent 65%),linear-gradient(135deg,#0B2545,#13315C);border:0;color:#fff}
.box.dk .bt b{color:#fff}.box.dk .bt span{color:#C9D6EC}
.box.bl{background:linear-gradient(135deg,#EEF4FF,#E2ECFF);border-color:#C9DAF7}
.author{display:flex;gap:18px;align-items:center;border:1px solid var(--line);background:#fff;border-radius:22px;padding:22px;margin:34px 0;box-shadow:var(--shadow-s)}
.author p{margin:0;font-size:15px!important;line-height:1.6!important;color:var(--muted)}.author b{color:var(--navy);font-size:17px}
.share{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin:26px 0}
.share span{font-weight:700;font-size:15px}
.share a,.share button{display:inline-flex;align-items:center;gap:8px;min-height:42px;padding:0 16px;border-radius:999px;border:1px solid var(--line);background:#fff;color:var(--navy);font:600 14.5px 'Plus Jakarta Sans',sans-serif;text-decoration:none;cursor:pointer}
.share a:hover,.share button:hover{background:var(--bg)}
.disc{font-size:14.5px!important;color:var(--muted);line-height:1.6!important}
aside .stack{display:grid;gap:16px}
aside .sticky{position:sticky;top:92px;display:grid;gap:16px;max-height:calc(100vh - 108px);overflow:auto;scrollbar-width:none}
aside .sticky::-webkit-scrollbar{display:none}
.side-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:20px;box-shadow:var(--shadow-s)}
.side-card h3{font-size:21px;margin-bottom:8px;display:flex;align-items:center;gap:10px}
.side-card h3 svg{color:#B26A00}
.side-form{padding:0;overflow:hidden;box-shadow:var(--shadow);border:0}
.side-form .sf-head{background:radial-gradient(300px 160px at 100% 0,rgba(245,165,36,.4),transparent 65%),linear-gradient(135deg,#1D4ED8,#0B2545);color:#fff;padding:18px 20px;display:flex;gap:14px;align-items:center}
.side-form .sf-head h3{color:#fff;margin:0;font-size:22px}.side-form .sf-head p{margin:2px 0 0;font-size:14px;color:#C9D6EC}
.side-form .sf-head .ib{width:48px;height:48px;border-radius:14px;background:var(--grad);color:var(--navy)}
.side-form .sf-body{padding:18px 20px 20px;border-top:4px solid var(--amber)}
.side-form .fgroup{margin-bottom:10px}.side-form .fld{min-height:46px}
.side-call{background:linear-gradient(135deg,#E8FBF3,#D4F5E6);border-color:#A9E4C6}
.side-call p{font-size:15px;color:var(--muted);margin-bottom:14px}
.side-call .btn{margin-bottom:10px}
.side-dark{background:radial-gradient(260px 160px at 100% 0,rgba(245,165,36,.4),transparent 65%),linear-gradient(135deg,#6D28D9,#312E81);color:#fff;border:0}
.side-dark h3,.side-dark h3 svg{color:#fff}.side-dark p{color:#C9D6EC;font-size:15px}
.side-trust ul{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.side-trust li{display:flex;gap:12px;align-items:center;font-weight:600;font-size:15px}
.side-trust .ib{width:38px;height:38px;border-radius:11px}
.side-card ul.links{list-style:none;margin:0;padding:0;display:grid;gap:4px}
.side-card ul.links li a{text-decoration:none;font-weight:600;font-size:15px;line-height:1.35;display:flex;gap:10px;padding:10px;border-radius:12px;color:var(--navy)}
.side-card ul.links li a:hover{background:var(--bg)}.side-card ul.links svg{flex:none;color:#B26A00;margin-top:2px}
.side-toc{padding:20px}
.side-toc ol{list-style:none;margin:0;padding:0;max-height:34vh;overflow:auto;display:grid;gap:2px}
.side-toc a{display:block;text-decoration:none;font-weight:600;font-size:14.5px;line-height:1.35;color:var(--muted);padding:8px 12px;border-left:3px solid var(--line);border-radius:0 10px 10px 0}
.side-toc a:hover{color:var(--navy);background:var(--bg)}
.side-toc a.on{color:var(--navy);border-left-color:var(--amber);background:#FFF8EA}

.calc{background:#fff;border:1px solid var(--line);border-radius:24px;padding:30px;max-width:560px;box-shadow:var(--shadow-s)}
.calc-out{background:#FFF8EA;border:1px solid #F5D9A0;border-radius:14px;padding:16px 18px;margin-top:16px;font-weight:600}

.ftr{position:relative;background:var(--deep);color:#B7C5DC;padding:72px 0 28px;font-size:15px}
.ftr::before{content:"";position:absolute;left:0;right:0;top:0;height:4px;background:var(--grad)}
.ftr a{color:#B7C5DC;text-decoration:none}.ftr a:hover{color:#fff;text-decoration:underline}
.ftr h4{color:#fff;font:700 16px 'Plus Jakarta Sans',sans-serif;margin:0 0 16px}
.ftr ul{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.ftr-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr 1fr;gap:34px}
.ftr .badges{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px}
.ftr .badges span{display:inline-flex;gap:6px;align-items:center;font-size:13px;font-weight:600;color:#E4ECF8;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);border-radius:999px;padding:6px 12px}
.ftr .badges svg{color:var(--amber)}
.ftr .legal{border-top:1px solid #1E3558;margin-top:40px;padding-top:22px;font-size:13px;line-height:1.7}

.modal{position:fixed;inset:0;background:rgba(6,21,41,.76);backdrop-filter:blur(4px);display:none;align-items:center;justify-content:center;padding:16px;z-index:100;overflow:auto}
.modal.open{display:flex}
.modal-box{position:relative;background:#fff;border-radius:26px;max-width:470px;width:100%;padding:32px;border-top:5px solid var(--amber);box-shadow:0 30px 80px rgba(0,0,0,.45);animation:pop .22s ease-out}
@keyframes pop{from{transform:translateY(14px) scale(.98);opacity:0}to{transform:none;opacity:1}}
.modal-x{position:absolute;right:14px;top:14px;width:44px;height:44px;border:0;background:var(--bg);border-radius:50%;cursor:pointer;color:var(--navy);display:flex;align-items:center;justify-content:center}
.modal-box h2{font-size:29px;margin:0 40px 4px 0}
.mbar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:70;background:#fff;box-shadow:0 -6px 24px rgba(11,37,69,.18);padding:8px;gap:8px}
.mbar a,.mbar button{flex:1;min-height:48px;border-radius:14px;font:700 15px 'Plus Jakarta Sans',sans-serif;display:flex;align-items:center;justify-content:center;gap:6px;text-decoration:none;border:0;cursor:pointer}
.mbar .c{background:var(--navy);color:#fff}.mbar .w{background:#1FA855;color:#fff}.mbar .q{background:var(--grad);color:var(--navy)}
[hidden]{display:none!important}

@media(max-width:1020px){
.hero-grid,.art-grid,.faq-wrap,.feat{grid-template-columns:1fr}
.strip{grid-template-columns:repeat(2,1fr)}
.ftr-grid{grid-template-columns:1fr 1fr}
aside .sticky{position:static}
.side-toc ol{max-height:none}
.menu-btn{display:inline-flex;align-items:center;justify-content:center}
.nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--navy);padding:8px 20px 20px;box-shadow:0 14px 24px rgba(0,0,0,.25);max-height:80vh;overflow:auto}
.nav.open{display:block}
.nav ul{flex-direction:column;align-items:stretch}
.dd-menu{display:grid;position:static;background:transparent;box-shadow:none;padding:0 0 0 8px;min-width:0;border:0;grid-template-columns:1fr}
.dd-menu a{color:#D6E0F0!important}.dd-menu a svg{background:rgba(255,255,255,.1);color:var(--amber)}
.hdr .btn-sm.hide-m{display:none}
}
@media(max-width:700px){
body{font-size:16px;padding-bottom:68px}
.sec{padding:56px 0}.cols{grid-template-columns:1fr}
.strip{grid-template-columns:1fr;margin:-48px 16px 0;padding:22px}
.hero{padding:40px 0 84px}.cta-band{padding:34px 26px}
.mbar{display:flex}.top .hide-m{display:none}
.card-form{padding:24px}.ftr-grid{grid-template-columns:1fr}
.prose p,.prose li{font-size:17px}
.feat .fl{padding:28px}.feat .fr{min-height:170px}
.box{padding:22px}.tldr{flex-direction:column}
}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}

/* colour themes */
.c-blue{--a:#1D4ED8;--b:#3B82F6}.c-teal{--a:#0F766E;--b:#14B8A6}.c-violet{--a:#6D28D9;--b:#8B5CF6}
.c-orange{--a:#EA580C;--b:#FB923C}.c-rose{--a:#BE123C;--b:#F43F5E}.c-green{--a:#15803D;--b:#22C55E}.c-amber{--a:#D97706;--b:#FBBF24}

.art-grid>aside{align-self:stretch}
h1,h2,h3{font-weight:700;letter-spacing:-.02em}
.page-head h1{font-size:clamp(30px,4vw,46px)}
.post-hero h1{font-size:clamp(28px,3.6vw,42px);line-height:1.22}

.dd-menu.dd-small{min-width:300px;grid-template-columns:1fr}
.chips2{display:flex;flex-wrap:wrap;gap:10px}
.chip2{display:inline-flex;align-items:center;gap:8px;background:#fff;border:1px solid var(--line);border-radius:999px;padding:9px 18px 9px 13px;font-weight:600;font-size:15px;text-decoration:none;color:var(--navy);box-shadow:var(--shadow-s);transition:transform .15s,background .15s}
.chip2:hover{transform:translateY(-2px);background:var(--navy);color:#fff}.chip2 svg{color:var(--amber)}
@media(max-width:1020px){.ftr-grid{grid-template-columns:1fr 1fr}}