:root{--navy:#062443;--navy2:#0a345f;--green:#2e7d32;--gold:#f7b51f;--ink:#102033;--muted:#56697e;--line:#dce7df;--soft:#f3f8f4;--blue:#f1f7fb;--white:#fff;--shadow:0 16px 40px rgba(6,36,67,.11);--radius:20px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.6;overflow-wrap:break-word}a{color:var(--navy)}img{max-width:100%;height:auto}.wrap{width:min(1120px,calc(100% - 36px));margin:auto}.skip{position:absolute;top:-100px;left:18px;z-index:100;background:#fff;padding:14px}.skip:focus{top:10px}:focus-visible{outline:3px solid #ad6b00;outline-offset:4px}
header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.96);border-bottom:1px solid #e7edf1;backdrop-filter:blur(12px)}.nav{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:24px}.logo img{display:block;width:330px}.links{display:flex;align-items:center;gap:20px;font-weight:700;font-size:14px}.links a,.footer-links a{text-decoration:none}.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 19px;border-radius:12px;font-weight:800;text-decoration:none;border:2px solid transparent}.btn.primary{background:var(--navy);color:#fff;box-shadow:0 10px 24px rgba(6,36,67,.18)}.btn.primary:hover{background:var(--navy2)}.btn.secondary{background:#fff;border-color:var(--green);color:var(--navy)}
.hero{background:linear-gradient(135deg,#fff 0%,#fff 52%,#edf7ee 100%)}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center;padding:76px 0 70px}.eyebrow{display:inline-block;background:#eef8ef;color:var(--green);border:1px solid #d4ead6;font-weight:800;border-radius:999px;padding:8px 13px;font-size:14px;margin-bottom:20px}.hero h1{font-size:clamp(42px,5vw,68px);line-height:1.04;letter-spacing:-2.5px;margin:0 0 20px;color:var(--navy)}.hero h1 span{color:var(--green)}.lead{font-size:19px;color:#33465d;max-width:650px}.cta{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0 18px}.trust{display:flex;gap:18px;flex-wrap:wrap;color:#485a6e;font-size:14px;font-weight:700}.trust span:before{content:'✓';color:var(--green);margin-right:7px}.phone{background:#fff;border:8px solid #101820;border-radius:42px;box-shadow:var(--shadow);padding:32px 24px 24px;max-width:410px;margin-left:auto}.phone h2{text-align:center;font-size:30px;margin:0 0 6px}.phone-sub{text-align:center;color:var(--muted);margin-bottom:16px}.result{display:grid;grid-template-columns:42px 1fr;gap:12px;align-items:center;padding:14px 0;border-bottom:1px solid #eef2f5}.result b{display:block;color:var(--navy)}.result small{color:var(--muted)}.ico{width:38px;height:38px;border-radius:12px;display:grid;place-items:center;background:#eef8ef}
section{padding:68px 0}.tint{background:linear-gradient(180deg,#fff,#f5faf6);border-block:1px solid #edf2ef}.section-head{text-align:center;max-width:790px;margin:0 auto 34px}h1,h2,h3{color:var(--navy)}h2{font-size:clamp(30px,4vw,42px);line-height:1.15;letter-spacing:-1px;margin:0 0 12px}h3{line-height:1.25}.section-head p{color:var(--muted);font-size:17px;margin:0}.grid{display:grid;gap:22px}.grid.two{grid-template-columns:repeat(2,1fr)}.grid.three{grid-template-columns:repeat(3,1fr)}.card{background:#fff;border:1px solid #e1e9ef;border-radius:var(--radius);padding:28px;box-shadow:0 8px 24px rgba(6,36,67,.06)}.card h3{margin-top:0}.card p:last-child{margin-bottom:0}.price{font-size:2.3rem;font-weight:800;color:var(--navy)}.price small{display:block;font-size:1rem;font-weight:400}.notice{border:1px solid #9fcea4;background:#f2faf2;border-radius:18px;padding:20px 22px}.compact{max-width:820px;margin:auto}.breadcrumbs{font-size:14px;color:var(--muted);margin:24px 0}.breadcrumbs a{color:var(--muted)}.page-hero{padding:48px 0 36px;background:linear-gradient(135deg,#fff,#edf7ee)}.page-hero h1{font-size:clamp(36px,5vw,56px);line-height:1.08;margin:0 0 14px}.prose{max-width:820px;margin:auto}.prose h2{font-size:30px;margin-top:42px}.prose h3{margin-top:28px}.prose a{text-underline-offset:3px}.meta{color:var(--muted);font-size:14px}.policy-list{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.policy-list a{background:#fff;border:1px solid #e1e9ef;border-radius:15px;padding:18px;text-decoration:none;font-weight:800;box-shadow:0 6px 16px rgba(6,36,67,.05)}
.guide-placeholder{border:2px dashed #b8c8d6;background:#f7fafc;border-radius:18px;padding:24px}.guide-placeholder strong{color:var(--navy)}.guide-list{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}.guide-card{display:block;background:#fff;border:1px solid #dfe8ee;border-radius:18px;overflow:hidden;text-decoration:none;box-shadow:0 7px 22px rgba(6,36,67,.06)}.guide-card:hover{border-color:#8ebc92;transform:translateY(-2px)}.guide-card img{display:block;width:100%;aspect-ratio:3/2;object-fit:cover}.guide-card-copy{padding:22px 24px 24px}.guide-card h2{font-size:24px;margin:0 0 8px}.guide-card p{color:var(--muted);margin:0}.article-hero-image{display:block;width:min(1120px,calc(100% - 36px));max-height:610px;object-fit:cover;margin:30px auto 0;border-radius:22px;box-shadow:var(--shadow)}.article-note{background:#f2faf2;border:1px solid #9fcea4;border-radius:16px;padding:18px 20px;margin:26px 0}.article-summary{background:var(--navy);color:#fff;border-radius:18px;padding:22px 25px;margin:0 0 28px}.article-summary h2{color:#fff;font-size:26px;margin:0 0 10px}.article-summary ul{margin-bottom:0}.article-visual{margin:28px 0 34px}.article-visual img{display:block;width:100%;border-radius:18px;border:1px solid var(--line)}.article-visual figcaption{color:var(--muted);font-size:14px;margin-top:9px}.sources{margin-top:48px;padding-top:26px;border-top:1px solid var(--line)}.sources h2{font-size:26px;margin-top:0}.related{background:var(--blue);border-radius:18px;padding:22px;margin-top:38px}.prose li{margin-bottom:8px}.prose p{margin:0 0 18px}footer{background:var(--navy);color:#dbe9f5;padding:34px 0}.footer-grid{display:grid;grid-template-columns:1fr 1.5fr;gap:28px;align-items:center}.footer-logo img{width:310px;background:#fff;border-radius:12px;padding:3px 8px}.footer-links{display:flex;justify-content:flex-end;flex-wrap:wrap;gap:16px;font-size:14px;font-weight:700}.footer-links a{color:#fff}.small-print{border-top:1px solid rgba(255,255,255,.14);margin-top:22px;padding-top:18px;color:#b8cadb;font-size:13px}
@media(max-width:900px){header{position:relative}.nav{padding:12px 0;flex-wrap:wrap}.links{flex-wrap:wrap;gap:8px 16px}.hero-grid,.grid.two,.grid.three,.guide-list,.footer-grid{grid-template-columns:1fr}.phone{margin:10px auto 0}.footer-links{justify-content:flex-start}.policy-list{grid-template-columns:repeat(2,1fr)}}
@media(max-width:540px){.logo img{width:280px}.hero-grid{padding:42px 0}.hero h1{font-size:2.65rem}.cta .btn{width:100%}.phone{border-width:5px}.policy-list{grid-template-columns:1fr}section{padding:48px 0}.card{padding:23px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}