*{box-sizing:border-box}:root{--n:#0b2346;--b:#1455a0;--o:#ef741b;--i:#14223a;--m:#5b6878;--l:#dce5ed;--s:#f5f8fc;--max:1160px;--read:770px}body{margin:0;font-family:Inter,system-ui,sans-serif;color:var(--i);line-height:1.72}a{color:#155ca8}img{max-width:100%}.wrap{width:min(calc(100% - 40px),var(--max));margin:auto}.top{background:var(--n);color:#dce8f5;text-align:center;padding:7px;font-size:.84rem}.header{background:#fff;border-bottom:1px solid var(--l);position:sticky;top:0;z-index:20}.nav{height:78px;display:flex;align-items:center;gap:20px}.logo img{width:290px;display:block}.links{display:flex;gap:19px;align-items:center;margin-left:auto}.links a{text-decoration:none;color:var(--n);font-weight:700;font-size:.9rem;white-space:nowrap}.cta{background:var(--o)!important;color:#fff!important;padding:11px 17px;text-decoration:none;border-radius:5px;font-weight:800!important}.menu{display:none;margin-left:auto;border:0;background:none;font-size:1.7rem}.hero{padding:64px 0;background:linear-gradient(110deg,#f7fbff,#fff 62%,#fff7f0)}.hero-grid{display:grid;grid-template-columns:1fr .95fr;gap:46px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:.14em;color:var(--b);font-size:.76rem;font-weight:850}h1{font-size:clamp(2.5rem,5vw,4.25rem);line-height:1.04;letter-spacing:-.05em;margin:.2em 0}.hero p,.article-hero p{font-size:1.14rem;color:var(--m)}.hero-img{border:1px solid var(--l);box-shadow:0 20px 50px #0b234622}.actions{display:flex;gap:14px;margin:24px 0}.secondary{font-weight:750;padding:10px 0}.disclosure{font-size:.9rem;border-left:3px solid var(--o);background:#fff8f1;padding:10px 14px;color:#5d6978;margin:20px 0}.answer{background:#edf6ff;border-left:4px solid var(--b);padding:19px 22px;margin:25px 0}.answer strong{display:block;color:var(--n)}section{padding:62px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);border-left:1px solid var(--l);border-top:1px solid var(--l);margin-top:25px}.cell{padding:24px;border-right:1px solid var(--l);border-bottom:1px solid var(--l)}.cell h3{margin:0 0 6px}.cell p{margin:0;color:var(--m)}.article-hero{padding:52px 0;background:var(--s);border-bottom:1px solid var(--l)}.breadcrumbs{font-size:.87rem;color:#6b7787}.article{padding:52px 0}.read{width:min(100%,var(--read))}.article h2{font-size:clamp(1.75rem,3vw,2.45rem);line-height:1.16;letter-spacing:-.035em;margin-top:1.9em}.article h3{font-size:1.25rem}.article p,.article li{font-size:1.035rem}.method{background:var(--s);padding:18px 21px;margin:27px 0}.faq{border-top:1px solid var(--l);padding:17px 0}.faq h3,.faq p{margin:0}.sources{border-top:1px solid var(--l);margin-top:35px;padding-top:20px}.decision{background:var(--n);color:#fff;padding:27px;margin:35px 0}.decision p{color:#d7e1ec}.footer{background:#07172c;color:#c5d0dc;padding:42px 0}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px}.footer .logo img{filter:brightness(0) invert(1);width:250px}.footer a{color:#e1e9f2;text-decoration:none}.footer small{display:block;margin-top:25px;color:#8d9eb2}.exit{position:fixed;inset:0;background:#030b17bf;display:none;align-items:center;justify-content:center;z-index:100;padding:20px}.exit.open{display:flex}.exit-box{background:#fff;width:min(560px,100%);padding:33px;position:relative}.close{position:absolute;right:12px;top:8px;border:0;background:none;font-size:1.7rem}@media(max-width:950px){.links{display:none;position:absolute;top:78px;left:0;right:0;background:#fff;padding:20px;flex-direction:column;align-items:flex-start}.links.open{display:flex}.menu{display:block}.hero-grid{grid-template-columns:1fr}.grid{grid-template-columns:1fr 1fr}.logo img{width:235px}}@media(max-width:620px){.wrap{width:min(calc(100% - 28px),var(--max))}.grid,.footer-grid{grid-template-columns:1fr}.actions{flex-direction:column}.logo img{width:195px}}
.hero-grid{grid-template-columns:minmax(0,1.02fr) minmax(420px,.98fr);gap:34px;align-items:center}
.hero-workflow{width:100%;border:0;box-shadow:none;background:transparent;object-fit:contain}
.hero .wrap{max-width:1220px}
.hero h1{max-width:720px}
.hero p{max-width:650px}
@media(max-width:950px){
  .hero-grid{grid-template-columns:1fr;gap:28px}
  .hero-workflow{max-width:760px;margin:0 auto}
}

.hero-journey{background:#fff;border:1px solid var(--l);padding:24px;box-shadow:0 18px 45px rgba(11,35,70,.10)}
.journey-kicker{font-weight:800;color:var(--n);font-size:1.05rem;margin-bottom:18px}
.journey-flow{display:flex;align-items:flex-start;gap:9px;justify-content:space-between}
.journey-step{flex:1;text-align:center;min-width:0}
.journey-step strong{display:block;color:var(--n);font-size:.9rem;line-height:1.25;margin-top:7px}
.journey-step small{display:block;color:var(--m);font-size:.73rem;line-height:1.35;margin-top:4px}
.journey-icon{display:grid;place-items:center;width:54px;height:54px;border-radius:50%;margin:0 auto;background:#eef5ff;color:var(--b);font-weight:850;font-size:1.15rem;border:1px solid #d8e6f8}
.journey-arrow{color:#8eabd2;font-size:1.4rem;margin-top:13px}
.journey-panel{display:grid;grid-template-columns:1fr 1fr;gap:0;margin-top:22px;border-top:1px solid var(--l);border-left:1px solid var(--l)}
.journey-panel>div{padding:16px;border-right:1px solid var(--l);border-bottom:1px solid var(--l)}
.journey-panel span{display:inline-grid;place-items:center;width:24px;height:24px;border-radius:50%;background:var(--o);color:#fff;font-size:.75rem;font-weight:800;margin-right:6px}
.journey-panel b{color:var(--n)}
.journey-panel p{margin:.45em 0 0;color:var(--m);font-size:.82rem;line-height:1.45}
@media(max-width:620px){
  .journey-flow{display:grid;grid-template-columns:1fr 1fr;gap:14px}
  .journey-arrow{display:none}
  .journey-panel{grid-template-columns:1fr}
}