:root{--navy:#0b1a3a;--navy2:#13285a;--blue:#1f6fff;--blue2:#0a4fd8;--sky:#4aa3ff;--ink:#1a2236;--mut:#5a6479;--bg:#f6f8fc;--line:#e4e9f2;--r:14px;--sh:0 1px 2px rgba(11,26,58,.06),0 8px 24px rgba(11,26,58,.06)}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.65 ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased}
a{color:var(--blue2);text-underline-offset:3px}img{max-width:100%;height:auto}
:focus-visible{outline:3px solid var(--sky);outline-offset:2px;border-radius:4px}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}
header.site{background:rgba(255,255,255,.92);backdrop-filter:saturate(180%) blur(10px);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;height:80px}
header.site img{height:46px;width:auto;display:block}
nav.main{display:flex;align-items:center;gap:26px;font-size:15px}nav.main a{color:var(--navy);text-decoration:none;font-weight:600}nav.main a:hover{color:var(--blue2)}
.btn,nav.main a.cta{display:inline-flex;align-items:center;gap:8px;background:linear-gradient(135deg,var(--blue),var(--blue2));color:#fff!important;padding:12px 20px;border-radius:10px;text-decoration:none;font-weight:700;border:0;cursor:pointer;font-size:16px;box-shadow:0 6px 18px rgba(31,111,255,.28);transition:transform .15s,box-shadow .15s}
nav.main a.cta{padding:9px 16px;font-size:14px}
.btn:hover{transform:translateY(-1px);box-shadow:0 10px 24px rgba(31,111,255,.34)}
.btn.ghost{background:transparent;color:#fff!important;border:1.5px solid rgba(255,255,255,.45);box-shadow:none}
h1,h2,h3{color:var(--navy);letter-spacing:-.015em;line-height:1.2}
h1{font-size:clamp(2rem,4.2vw,3.25rem);margin:0 0 .5em}h2{font-size:clamp(1.5rem,2.6vw,2rem);margin:2em 0 .6em}h3{font-size:1.15rem}
.eyebrow{display:inline-block;font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--blue2);margin-bottom:10px}
/* hero */
.hero{position:relative;overflow:hidden;background:radial-gradient(1200px 500px at 85% -10%,rgba(74,163,255,.35),transparent 60%),linear-gradient(160deg,var(--navy) 0%,var(--navy2) 60%,#0d3a9a 100%);color:#fff;padding:88px 0 96px}
.hero h1{color:#fff;max-width:820px}.hero h1 span{background:linear-gradient(90deg,#7cc0ff,#3d8bff);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero p.sub{font-size:1.2rem;color:#d4def3;max-width:680px;margin:0 0 30px}
.hero .actions{display:flex;flex-wrap:wrap;gap:12px}
.hero .eyebrow{color:#9cc7ff}
.trust{display:flex;flex-wrap:wrap;gap:10px 28px;margin-top:40px;padding:0;list-style:none;font-size:15px;color:#c3d0ea}.trust li:before{content:"✓";color:#6fb6ff;font-weight:800;margin-right:8px}
/* sections */
section.band{padding:80px 0}section.band.alt{background:var(--bg)}
.sec-head{max-width:700px;margin-bottom:36px}.sec-head h2{margin:0 0 10px}.sec-head p{color:var(--mut);margin:0;font-size:1.08rem}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px}
.grid.g4{grid-template-columns:repeat(4,1fr)}.grid.g3{grid-template-columns:repeat(3,1fr)}.grid.g2{grid-template-columns:repeat(2,1fr)}
.card{display:block;border:1px solid var(--line);border-radius:var(--r);padding:22px;background:#fff;box-shadow:var(--sh);text-decoration:none;color:inherit;transition:transform .15s,border-color .15s}
a.card:hover{transform:translateY(-2px);border-color:#b9cdfa}
.card h3{margin:0 0 6px}.card p{margin:0;color:var(--mut);font-size:15px}.card .go{display:inline-block;margin-top:12px;color:var(--blue2);font-weight:700;font-size:14px}
.tag{display:inline-block;font-size:12px;font-weight:700;color:var(--blue2);background:#eaf1ff;border-radius:99px;padding:3px 10px;margin-bottom:10px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start}
/* table */
.tablewrap{border:1px solid var(--line);border-radius:var(--r);overflow-x:auto;background:#fff;box-shadow:var(--sh)}
table{border-collapse:collapse;width:100%;font-size:15px;margin:16px 0}
.tablewrap table{margin:0}th,td{padding:14px 16px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
th{background:var(--bg);color:var(--navy);font-size:13px;text-transform:uppercase;letter-spacing:.04em}
article table{border:1px solid var(--line);display:block;overflow-x:auto}
tr:last-child td{border-bottom:0}.pending{color:var(--mut);font-style:italic}
.pill{display:inline-block;font-size:12px;font-weight:700;border-radius:99px;padding:2px 9px;background:#e8f7ee;color:#137a3c}.pill.p{background:#f1f3f8;color:var(--mut)}
/* strip */
.strip{background:var(--navy);color:#cfd9ee;border-radius:20px;padding:44px}.strip h2{color:#fff;margin-top:0}.strip h3{color:#fff;margin:0 0 6px;font-size:1.05rem}.strip p{margin:0;font-size:15px}.strip a{color:#9cc7ff}
/* faq */
details{border:1px solid var(--line);border-radius:12px;padding:0 20px;background:#fff;margin-bottom:12px}
summary{cursor:pointer;font-weight:700;color:var(--navy);padding:18px 0;list-style:none;display:flex;justify-content:space-between;gap:12px}summary::-webkit-details-marker{display:none}
summary:after{content:"+";font-size:22px;line-height:1;color:var(--blue2)}details[open] summary:after{content:"–"}
details p{margin:0 0 18px;color:var(--mut)}
.ctabox{background:linear-gradient(135deg,var(--blue),var(--blue2));color:#fff;border-radius:20px;padding:48px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:20px}
.ctabox h2{color:#fff;margin:0 0 6px}.ctabox p{margin:0;color:#e1ebff}.ctabox .btn{background:#fff;color:var(--navy)!important}
/* inner pages */
main{padding:40px 0 72px}main.home{padding:0}article{max-width:780px}
.lede{font-size:1.15rem;color:var(--mut)}
.note{background:#eef4ff;border:1px solid #d6e4ff;padding:16px 20px;border-radius:12px;font-size:15px;margin:28px 0}
.tool{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;margin:24px 0;box-shadow:var(--sh)}
.tool h3{margin-top:0}
.tool label,form.lead label{display:block;font-weight:600;margin:12px 0 6px;font-size:14px;color:var(--navy)}
.tool input,.tool select,form textarea,form input,form select{width:100%;padding:11px 12px;border:1px solid #cdd6e6;border-radius:10px;font:inherit;background:#fff}
.tool input:focus,form input:focus,form select:focus,form textarea:focus{border-color:var(--blue);outline:3px solid rgba(31,111,255,.18)}
.tool .row{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:0 16px}
.out{margin-top:18px;padding:14px 16px;background:var(--bg);border-radius:10px;font-weight:600;color:var(--navy)}
form.lead{max-width:640px}.hp{position:absolute;left:-9999px}.leadmsg{margin-top:12px;font-weight:600}
.src{font-size:13px;color:var(--mut)}.toc{background:var(--bg);padding:14px 18px;border-radius:10px;font-size:15px}
footer{background:var(--navy);color:#b7c4de;padding:56px 0 32px;font-size:14px}
footer .fgrid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:28px}footer h4{color:#fff;margin:0 0 12px;font-size:14px}
footer a{color:#dbe5f7;text-decoration:none;display:block;margin:6px 0}footer a:hover{color:#fff}footer .legal{border-top:1px solid rgba(255,255,255,.1);margin-top:36px;padding-top:20px}
footer img{height:48px;width:auto;margin-bottom:16px}
@media(max-width:960px){.grid.g4{grid-template-columns:repeat(2,1fr)}.grid.g3,.split{grid-template-columns:1fr}footer .fgrid{grid-template-columns:1fr 1fr}nav.main a:not(.cta){display:none}}
@media(max-width:560px){.wrap{padding:0 18px}.grid.g4,.grid.g2{grid-template-columns:1fr}.hero{padding:56px 0 64px}section.band{padding:56px 0}.strip,.ctabox{padding:28px}footer .fgrid{grid-template-columns:1fr}header.site img{height:36px}header.site .wrap{height:64px}}
@media(prefers-reduced-motion:reduce){*{transition:none!important}}