:root{
  --navy:#0B2A4A; --navy-2:#0a2240; --ink:#13233b; --muted:#5b6b80;
  --line:#e6ebf2; --bg:#f6f9fc; --gold:#F4B400; --cta:#16A34A; --cta-d:#12894f;
  --teal:#0e7c86; --shadow:0 18px 45px rgba(11,42,74,.12);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:#fff;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--cta);color:#fff;font-weight:800;
  padding:16px 28px;border-radius:14px;font-size:17px;border:none;cursor:pointer;transition:.2s;box-shadow:0 10px 24px rgba(22,163,74,.35);text-align:center}
.btn:hover{background:var(--cta-d);transform:translateY(-2px)}
.btn.big{padding:19px 36px;font-size:19px}
.btn.alt{background:var(--navy)}.btn.alt:hover{background:#08203b}
h1,h2,h3{line-height:1.15;color:var(--navy);letter-spacing:-.02em}
h1{font-size:clamp(30px,5vw,52px);font-weight:900}
h2{font-size:clamp(24px,3.4vw,36px);font-weight:800}
.eyebrow{display:inline-block;font-weight:800;font-size:13px;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-bottom:14px}
.gov{background:var(--navy-2);color:#cfe0f2;font-size:12.5px;text-align:center;padding:8px 16px;line-height:1.45}
.gov a{color:#9ec5ff;text-decoration:underline}
header{position:sticky;position:-webkit-sticky;top:0;z-index:200;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:84px;gap:12px}
.nav img{height:60px;width:auto}
.nav .btn{padding:11px 18px;font-size:14.5px}
.navr{display:flex;align-items:center;gap:10px}
.langsel{font-family:inherit;font-weight:700;font-size:14px;color:var(--navy);border:1.5px solid var(--line);border-radius:10px;padding:9px 8px;background:#fff;cursor:pointer}
@media(max-width:560px){.nav .btn{display:none}.nav img{height:48px}.nav{min-height:64px}}
.hero{background:linear-gradient(160deg,#0B2A4A 0%,#0a2240 55%,#0e7c86 130%);color:#fff;position:relative;overflow:hidden}
.hero .grid{display:grid;grid-template-columns:1.15fr .85fr;gap:46px;align-items:center;padding:62px 0}
.hero h1{color:#fff;margin-bottom:16px}.hero h1 .hl{color:var(--gold)}
.hero p.sub{font-size:19px;color:#d7e3f2;margin-bottom:24px;max-width:560px}
.hero .chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}
.chip{display:inline-flex;align-items:center;gap:7px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);color:#eaf2fb;font-size:13px;font-weight:600;padding:8px 13px;border-radius:999px}
.heroimg{border-radius:22px;overflow:hidden;box-shadow:0 30px 60px rgba(0,0,0,.35);border:5px solid rgba(255,255,255,.12)}
.heroimg img{width:100%;height:100%;object-fit:cover;aspect-ratio:4/4.2}
@media(max-width:900px){.hero .grid{grid-template-columns:1fr;gap:28px;padding:42px 0}.heroimg{order:-1;max-width:420px;margin:0 auto}}
.section{padding:64px 0}.center{text-align:center}
.lead{font-size:18px;color:var(--muted);max-width:700px}.center .lead{margin:0 auto}
.bgsoft{background:var(--bg)}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:26px;box-shadow:var(--shadow)}
.card .ic{width:50px;height:50px;border-radius:13px;display:flex;align-items:center;justify-content:center;font-size:24px;margin-bottom:14px;background:#eef4fb}
.card h3{font-size:19px;margin-bottom:8px}.card p{color:var(--muted);font-size:15px}
.prose{max-width:820px;margin:0 auto;padding:0 20px}
.prose h2{font-size:clamp(23px,3vw,32px);margin:42px 0 14px;scroll-margin-top:90px}
.prose h3{font-size:20px;margin:28px 0 8px;color:var(--navy)}
.prose p{font-size:17px;color:#2a3a52;margin:12px 0}
.prose ul,.prose ol{margin:12px 0 12px 22px;color:#2a3a52;font-size:17px}.prose li{margin:7px 0}
.prose strong{color:var(--navy)}.prose a{color:#1769c4;text-decoration:underline}
.toc{background:var(--bg);border:1px solid var(--line);border-radius:16px;padding:22px 26px;margin:8px 0 10px}
.toc b{display:block;color:var(--navy);font-size:14px;text-transform:uppercase;letter-spacing:.08em;margin-bottom:10px}
.toc ol{columns:2;column-gap:30px;margin-left:18px;font-size:14.5px}.toc a{color:#1769c4}
@media(max-width:640px){.toc ol{columns:1}}
table.cost{width:100%;border-collapse:collapse;margin:18px 0;font-size:15.5px}
table.cost th,table.cost td{border:1px solid var(--line);padding:11px 13px;text-align:left}
table.cost th{background:var(--navy);color:#fff;font-weight:700}table.cost tr:nth-child(even){background:var(--bg)}
.callout{background:#eef4fb;border-left:4px solid var(--gold);border-radius:10px;padding:18px 22px;margin:22px 0;font-size:16px;color:var(--ink)}
.ctabox{background:linear-gradient(160deg,#0B2A4A,#0e7c86);color:#fff;border-radius:20px;padding:36px 28px;text-align:center;margin:40px 0;box-shadow:var(--shadow)}
.ctabox h3{color:#fff;font-size:24px}.ctabox p{color:#d7e3f2;margin:10px 0 20px}
.smartcta{display:flex;flex-wrap:wrap;gap:12px;justify-content:center}
.faq{max-width:820px;margin:34px auto 0}
.q{background:#fff;border:1px solid var(--line);border-radius:14px;margin-bottom:12px;overflow:hidden}
.q button{width:100%;text-align:left;background:none;border:none;padding:20px 22px;font-size:16.5px;font-weight:700;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between;gap:14px;align-items:center}
.q .a{max-height:0;overflow:hidden;transition:max-height .3s ease;color:var(--muted);padding:0 22px}
.q .a p{padding-bottom:20px}.q.open .a{max-height:520px}
.q button .pl{color:var(--gold);font-size:22px;transition:.2s}.q.open button .pl{transform:rotate(45deg)}
.article-hero{background:linear-gradient(160deg,#0B2A4A,#0e7c86);color:#fff;padding:54px 0 48px}
.article-hero .wrapn{max-width:820px;margin:0 auto;padding:0 20px}
.crumbs{font-size:13px;color:#9ec5ff;margin-bottom:14px}.crumbs a{text-decoration:underline}
.article-hero h1{color:#fff;font-size:clamp(28px,4.4vw,42px)}
.article-hero p{color:#d7e3f2;font-size:18px;margin-top:14px;max-width:680px}
.meta-row{display:flex;flex-wrap:wrap;gap:14px;margin-top:18px;font-size:13px;color:#9ec5ff}
footer{background:var(--navy-2);color:#aebfd2;padding:48px 0 40px;font-size:14px}
footer img{height:38px;margin-bottom:14px}
footer a{color:#cfe0f2;text-decoration:underline}
footer .legal{max-width:640px;font-size:12.5px;line-height:1.6;color:#90a4bd}
footer .links{display:flex;flex-wrap:wrap;gap:18px;margin-top:16px;font-size:13px}
.copyright{border-top:1px solid rgba(255,255,255,.08);margin-top:28px;padding-top:18px;font-size:12px;color:#7c90aa}
.wa{position:fixed;left:18px;bottom:18px;z-index:61;width:58px;height:58px;border-radius:50%;background:#25D366;display:flex;align-items:center;justify-content:center;box-shadow:0 8px 22px rgba(37,211,102,.45);transition:.2s}
.wa:hover{transform:scale(1.08)}.wa svg{width:32px;height:32px;fill:#fff}