:root{--ink:#142033;--muted:#5e6b7c;--paper:#f7f5f0;--white:#fff;--line:#dce2e7;--accent:#c26034;--accent2:#264d63;--soft:#eaf0f2}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--white);line-height:1.72}a{color:inherit}
.wrap{width:min(1160px,calc(100% - 36px));margin:auto}.top{background:#101b29;color:#dce5ec;font-size:12px}.top .wrap{padding:8px 0;display:flex;justify-content:space-between;gap:20px}
.nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}.nav .wrap{height:78px;display:flex;align-items:center;justify-content:space-between}.brand{text-decoration:none;font-family:Georgia,serif;font-size:22px;font-weight:700;color:var(--ink)}.brand span{color:var(--accent)}.links{display:flex;gap:20px;align-items:center}.links>a,.dropbtn{font-size:13px;font-weight:850;text-decoration:none;border:0;background:none;padding:10px 0;cursor:pointer}.drop{position:relative}.dropdown{display:none;position:absolute;top:38px;left:-14px;background:#fff;min-width:255px;border:1px solid var(--line);box-shadow:0 18px 40px rgba(20,32,51,.12);padding:8px}.dropdown a{display:block;text-decoration:none;padding:9px 10px;font-size:13px;font-weight:750}.drop:hover .dropdown,.drop:focus-within .dropdown{display:block}.menu{display:none;border:0;background:none;font-size:24px}
.hero{background:linear-gradient(115deg,#132236,#203c4d);color:#fff;padding:88px 0 92px;position:relative;overflow:hidden}.hero:after{content:"";position:absolute;right:-90px;top:-110px;width:480px;height:480px;border:1px solid rgba(255,255,255,.13);border-radius:50%;box-shadow:0 0 0 65px rgba(255,255,255,.025),0 0 0 130px rgba(255,255,255,.018)}.hero-copy{max-width:820px;position:relative;z-index:2}.kicker{font-size:12px;text-transform:uppercase;letter-spacing:.16em;font-weight:900;color:#df8a5d}.hero h1,.subhero h1{font-family:Georgia,serif;font-weight:500;line-height:1.04;letter-spacing:-.025em}.hero h1{font-size:clamp(3rem,6vw,5.8rem);margin:10px 0 20px}.hero p{font-size:1.12rem;color:#dce5eb;max-width:750px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.btn{display:inline-block;padding:12px 17px;background:var(--accent);color:#fff;text-decoration:none;font-weight:900;border:2px solid var(--accent)}.btn.alt{background:transparent;border-color:#fff}
.decision{background:var(--paper);border-bottom:1px solid var(--line)}.decision .wrap{display:grid;grid-template-columns:repeat(4,1fr)}.decision a{padding:22px 18px;text-decoration:none;border-right:1px solid var(--line)}.decision strong{display:block;margin-bottom:3px}.decision span{font-size:13px;color:var(--muted)}
.section{padding:72px 0}.section.alt{background:var(--paper)}.section.dark{background:#142033;color:#fff}.section h2{font-family:Georgia,serif;font-size:clamp(2rem,3.6vw,3.2rem);font-weight:500;line-height:1.1;margin:7px 0 17px}.section.dark p{color:#dce4eb}.lead{font-size:1.08rem;color:var(--muted);max-width:850px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:28px}.card{border:1px solid var(--line);background:#fff;padding:25px}.card h3{font-family:Georgia,serif;font-size:1.4rem;margin:0 0 9px}.card p{color:var(--muted)}.more{color:#9e4928;text-decoration:none;font-weight:900}
.subhero{background:#142033;color:#fff;padding:65px 0}.subhero h1{font-size:clamp(2.7rem,5vw,4.8rem);margin:10px 0 16px;max-width:950px}.subhero p{max-width:830px;color:#dce5eb;font-size:1.08rem}.rail{border-bottom:1px solid var(--line);background:#fff}.rail .wrap{display:flex;gap:10px;flex-wrap:wrap;padding:11px 0}.rail a{text-decoration:none;font-size:13px;font-weight:800;padding:5px 8px}
.split{display:grid;grid-template-columns:1.45fr .55fr;gap:48px}.content{max-width:900px}.content h2{margin-top:38px}.content h3{font-size:1.35rem;margin-top:28px}.content p,.content li{color:#4f5c6b}.aside{background:var(--soft);border-top:5px solid var(--accent);padding:24px;height:max-content}.aside h3{font-family:Georgia,serif;font-size:1.45rem;margin-top:0}.aside a{display:block;text-decoration:none;font-weight:850;padding:9px 0;border-bottom:1px solid #ccd7dd}
.check{background:#f5eee8;border-left:5px solid var(--accent);padding:20px 22px;margin:28px 0}.steps{counter-reset:s}.step{position:relative;padding:0 0 25px 62px}.step:before{counter-increment:s;content:counter(s);position:absolute;left:0;top:0;width:42px;height:42px;border-radius:50%;display:grid;place-items:center;background:#183246;color:#fff;font-weight:900}.step h3{margin:0 0 6px}
.compare{width:100%;border-collapse:collapse;margin:25px 0}.compare th,.compare td{border:1px solid var(--line);padding:13px;text-align:left;vertical-align:top}.compare th{background:#eaf0f2}.faq details{border-top:1px solid var(--line);padding:15px 0}.faq summary{font-weight:900;cursor:pointer}.faq p{margin-bottom:0}
.example{background:#fff;border:1px solid var(--line);padding:24px;margin:20px 0}.example .tag{font-size:11px;text-transform:uppercase;letter-spacing:.08em;font-weight:900;color:#a54f2c}.example h3{margin:5px 0 8px}
.footer{background:#0f1926;color:#d9e2e8;padding:50px 0 20px}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:34px}.footer strong{display:block;color:#fff;margin-bottom:10px}.footer a{display:block;color:#d9e2e8;text-decoration:none;font-size:13px;margin:6px 0}.footer p{font-size:13px}.bottom{border-top:1px solid #334252;margin-top:28px;padding-top:15px;font-size:12px}
@media(max-width:940px){.links{display:none;position:absolute;left:0;right:0;top:78px;background:#fff;padding:18px;flex-direction:column;align-items:flex-start}.links.open{display:flex}.menu{display:block}.nav .wrap{position:relative}.drop{width:100%}.dropdown{position:static;box-shadow:none;border:0;padding-left:12px}.drop:hover .dropdown{display:none}.drop.open .dropdown{display:block}.grid{grid-template-columns:1fr 1fr}.split{grid-template-columns:1fr}.decision .wrap{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.grid,.decision .wrap,.footer-grid{grid-template-columns:1fr}.hero{padding:65px 0}.top span:last-child{display:none}.decision a{border-right:0;border-bottom:1px solid var(--line)}.compare{display:block;overflow-x:auto}}

.qa-table{width:100%;border-collapse:collapse;margin:28px 0 34px;font-size:.94rem}.qa-table th,.qa-table td{border:1px solid var(--line);padding:13px 14px;text-align:left;vertical-align:top}.qa-table th{background:#183246;color:#fff}.qa-table tr:nth-child(even) td{background:#f8f8f6}
.flow{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin:28px 0}.flow div{background:#eaf0f2;padding:18px;font-weight:800;position:relative}.flow small{display:block;color:#5e6b7c;font-weight:400;margin-top:5px}.qa-list{background:#f7f5f0;border:1px solid var(--line);padding:22px 25px;margin:27px 0}.qa-list li{margin:7px 0}
@media(max-width:700px){.flow{grid-template-columns:1fr 1fr}.qa-table{display:block;overflow-x:auto}}