:root{--navy:#0f2a4a;--blue:#1f4f82;--red:#d73a3a;--light:#f5f8fb;--gray:#667085;--dark:#122033;--white:#fff;--line:#dfe7ef}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--dark);background:#fff;line-height:1.6}a{color:inherit}.container{width:min(1120px,92%);margin:0 auto}.navbar{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line)}.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:16px 0}.brand{display:flex;align-items:center;gap:12px;text-decoration:none}.brand-mark{width:42px;height:42px;border-radius:10px;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800;letter-spacing:.5px;position:relative;overflow:hidden}.brand-mark::after{content:'+';position:absolute;right:5px;top:-2px;color:var(--red);font-size:22px}.brand-text strong{display:block;color:var(--navy);font-size:18px;line-height:1.1}.brand-text span{display:block;color:var(--gray);font-size:12px}.nav-links{display:flex;flex-wrap:wrap;gap:18px;align-items:center}.nav-links a{text-decoration:none;font-size:14px;font-weight:700;color:var(--navy)}.btn{display:inline-block;padding:12px 18px;border-radius:8px;text-decoration:none;font-weight:700;border:1px solid transparent;cursor:pointer}.btn-primary{background:var(--red);color:#fff}.btn-secondary{background:#fff;color:var(--navy);border-color:var(--navy)}.hero{background:linear-gradient(135deg,#f8fbff 0%,#eef5fb 55%,#fff 100%);padding:76px 0 64px}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}.eyebrow{font-size:13px;font-weight:800;letter-spacing:1.5px;color:var(--red);text-transform:uppercase}h1{font-size:clamp(40px,6vw,66px);line-height:1.04;margin:14px 0 18px;color:var(--navy)}.lead{font-size:20px;color:#40536b;max-width:720px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.hero-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:0 18px 50px rgba(15,42,74,.12)}.hero-card h3{margin-top:0;color:var(--navy)}.flow{display:grid;gap:14px}.flow-step{display:flex;gap:14px;align-items:flex-start}.flow-num{flex:0 0 34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800}section{padding:64px 0}.section-title{font-size:34px;line-height:1.15;color:var(--navy);margin:0 0 14px}.section-intro{color:var(--gray);max-width:760px;margin-bottom:34px}.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:28px}.card{border:1px solid var(--line);border-radius:14px;padding:24px;background:#fff}.card h3{margin-top:0;color:var(--navy)}.icon{width:42px;height:42px;border-radius:10px;background:#edf4fb;color:var(--navy);display:grid;place-items:center;font-weight:800;margin-bottom:14px}.band{background:var(--navy);color:#fff}.band .section-title{color:#fff}.band .section-intro{color:#dbe7f2}.band .card{background:#173a61;border-color:#284d74;color:#e8f0f7}.band .card h3{color:#fff}.callout{border-left:5px solid var(--red);background:#fff7f7;padding:20px 22px;border-radius:8px}.callout strong{color:var(--navy)}.metric{font-size:38px;font-weight:800;color:var(--navy)}.page-hero{padding:54px 0;background:#f5f8fb;border-bottom:1px solid var(--line)}.page-hero h1{font-size:46px;margin-bottom:10px}.page-hero p{font-size:19px;color:var(--gray);max-width:780px}.checklist{padding-left:20px}.checklist li{margin-bottom:10px}.table-wrap{overflow-x:auto}.info-table{width:100%;border-collapse:collapse}.info-table th,.info-table td{padding:14px 16px;border-bottom:1px solid 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