:root{--ink:#152033;--muted:#5d6878;--bg:#f5f7fa;--card:#fff;--line:#dde4ec;--accent:#0b5ea8;--accent2:#084a85;--soft:#eaf3fb;--gold:#f0b429}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--bg);line-height:1.62}
a{color:var(--accent);text-decoration:none}a:hover{text-decoration:underline}
.wrap{width:min(1160px,92%);margin:auto}
.topbar{background:#0d1728;color:white;padding:.48rem 0;font-size:.92rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:1rem;align-items:center}.topbar a{color:white;font-weight:800}
header{background:white;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:30;box-shadow:0 2px 10px rgba(0,0,0,.03)}
.header-row{display:flex;align-items:center;justify-content:space-between;padding:.9rem 0;gap:1rem}
.brand{display:flex;align-items:center;gap:.7rem;font-weight:900;color:var(--ink);font-size:1.04rem;max-width:300px;line-height:1.2}
.logo{width:42px;height:42px;border-radius:10px;background:var(--accent);display:grid;place-items:center;color:white;font-weight:900;flex:0 0 auto}
nav{display:flex;gap:1rem;flex-wrap:wrap;font-size:.93rem;align-items:center}
.callbtn{display:inline-flex;align-items:center;justify-content:center;background:var(--accent);color:white!important;font-weight:900;padding:.82rem 1.05rem;border-radius:10px;white-space:nowrap}
.callbtn:hover{background:var(--accent2);text-decoration:none}
.hero{background:linear-gradient(180deg,#fff,var(--soft));padding:3.8rem 0 3rem}
.hero-grid{display:grid;grid-template-columns:1.35fr .78fr;gap:2rem;align-items:center}
.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:.78rem;font-weight:900;color:var(--accent)}
h1{font-size:clamp(2.15rem,5vw,4rem);line-height:1.06;margin:.5rem 0 1rem;letter-spacing:-.03em}
h2{font-size:1.7rem;line-height:1.2;margin-top:0}h3{margin-bottom:.35rem}
.lead{font-size:1.15rem;color:var(--muted);max-width:760px}
.hero-card,.card,.cta,.content{background:white;border:1px solid var(--line);border-radius:16px;padding:1.45rem;box-shadow:0 10px 28px rgba(14,30,55,.05)}
.hero-card ul,.card ul,.content ul{padding-left:1.2rem}
.section{padding:3rem 0}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}
.cards2{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(280px,.75fr);gap:1.25rem;align-items:start}
.content section{margin-bottom:2.25rem}.content section:last-child{margin-bottom:0}
.cta{background:var(--ink);color:white;border:0;position:sticky;top:96px}.cta a{color:white}.cta .callbtn{background:white;color:var(--ink)!important;width:100%}
.breadcrumb{font-size:.9rem;color:var(--muted);padding-top:1rem}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:2rem}
footer{background:#101827;color:#d9e0ea;margin-top:3rem;padding:2.7rem 0 5rem}footer a{color:white}
.small{font-size:.9rem;color:var(--muted)}
.sticky-call{display:none;position:fixed;bottom:12px;left:12px;right:12px;background:var(--accent);color:white!important;text-align:center;padding:1rem;border-radius:12px;font-weight:900;z-index:60;box-shadow:0 8px 30px rgba(0,0,0,.22)}
.notice{border-left:4px solid var(--gold);padding:.9rem 1rem;background:#fff9e9;border-radius:8px;margin:1rem 0}
@media(max-width:900px){.hero-grid,.cards2,.footer-grid{grid-template-columns:1fr}.grid{grid-template-columns:1fr 1fr}.cta{position:static}}
@media(max-width:720px){.grid{grid-template-columns:1fr}.header-row{align-items:center}.brand{font-size:.93rem;max-width:230px}nav{display:none}.header-row .callbtn{font-size:.88rem;padding:.72rem .8rem}.hero{padding:2.4rem 0 2rem}.topbar{display:none}.sticky-call{display:block}.content{padding:1.2rem}}