:root{
  --navy:#0b1b4d; --blue:#1e3fae; --blue2:#2f55d4; --azure:#eaf0ff; --azure2:#f5f8ff; --red:#d93a2f;
  --ink:#14203f; --muted:#56627f; --line:#d9e0f2; --white:#fff; --ok:#1f7a4d; --warn:#9a5b00;
  --radius:14px; --max:1180px;
  --head:'Manrope','Segoe UI',system-ui,sans-serif; --body:'Inter','Segoe UI',system-ui,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{font-family:var(--body);color:var(--ink);background:var(--white);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-underline-offset:3px}
a:hover{color:var(--navy)}
h1,h2,h3,h4{font-family:var(--head);line-height:1.15;letter-spacing:-.015em;color:var(--navy)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:200}
.skip:focus{left:10px;top:10px}
:focus-visible{outline:3px solid var(--blue2);outline-offset:2px;border-radius:4px}

/* header */
.topbar{background:var(--navy);color:#dbe5ff;font-size:14px}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;padding-top:8px;padding-bottom:8px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none;font-weight:600}
header.site{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:18px;height:68px}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--navy)}
.brand svg{width:38px;height:38px;flex:none}
.brand b{font-family:var(--head);font-weight:800;font-size:19px;letter-spacing:.06em;line-height:1}
.brand small{display:block;white-space:nowrap;font-family:var(--body);font-size:11px;letter-spacing:.04em;color:var(--muted);font-weight:500;margin-top:3px}
nav.main ul{list-style:none;display:flex;gap:4px;align-items:center}
nav.main a{display:block;padding:9px 11px;border-radius:9px;text-decoration:none;color:var(--ink);font-weight:600;font-size:14.5px;white-space:nowrap}
nav.main a:hover,nav.main a[aria-current=page]{background:var(--azure);color:var(--blue)}
.btn{display:inline-flex;align-items:center;gap:9px;padding:13px 22px;border-radius:12px;background:var(--blue);color:#fff;text-decoration:none;font-weight:700;border:2px solid var(--blue);font-family:var(--head);transition:.18s;font-size:16px;cursor:pointer}
.btn:hover{background:var(--navy);border-color:var(--navy);color:#fff}
.btn.wa{background:#1f9d55;border-color:#1f9d55}
.btn.wa:hover{background:#177a42;border-color:#177a42}
.btn.ghost{background:transparent;color:var(--blue)}
.btn.ghost:hover{background:var(--blue);color:#fff}
.btn.sm{padding:9px 16px;font-size:15px}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 12px;font:600 15px var(--head);color:var(--navy);cursor:pointer}

/* hero */
.hero{background:linear-gradient(180deg,var(--azure2),#fff);padding:56px 0 64px;border-bottom:1px solid var(--line)}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.eyebrow{font-size:13px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--blue);margin-bottom:14px}
.hero h1{font-size:clamp(34px,4.6vw,56px);margin-bottom:18px}
.hero p.lead{font-size:19px;color:#2c3a5e;margin-bottom:24px;max-width:640px}
.pricechips{display:flex;flex-wrap:wrap;gap:12px;margin:0 0 26px}
.chip{background:#fff;border:1px solid var(--line);border-radius:12px;padding:10px 16px;font-size:15px}
.chip b{display:block;font-family:var(--head);font-size:22px;color:var(--navy)}
.hero .cta{display:flex;gap:12px;flex-wrap:wrap}
.hero figure{border-radius:20px;overflow:hidden;box-shadow:0 24px 60px rgba(11,27,77,.18);background:#fff;border:1px solid var(--line)}
.hero figcaption{font-size:13px;color:var(--muted);padding:10px 14px}
.page-hero{background:linear-gradient(180deg,var(--azure2),#fff);border-bottom:1px solid var(--line);padding:34px 0 38px}
.page-hero h1{font-size:clamp(30px,3.8vw,46px);max-width:900px;margin-bottom:14px}
.page-hero p.lead{font-size:19px;color:#2c3a5e;max-width:780px}
.crumbs{font-size:14px;color:var(--muted);margin-bottom:14px}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{color:var(--blue)}
.crumbs span{margin:0 6px}
.meta{font-size:13.5px;color:var(--muted);margin-top:14px}

/* trust strip */
.strip{background:var(--navy);color:#e4ebff}
.strip .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.strip div{padding:18px 20px;border-right:1px solid rgba(255,255,255,.14);font-size:14.5px}
.strip div:last-child{border:0}
.strip b{display:block;color:#fff;font-family:var(--head);font-size:16px;margin-bottom:2px}

/* sections */
section.blk{padding:64px 0}
section.alt{background:var(--azure2);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sec-title{font-size:clamp(26px,3vw,36px);margin-bottom:12px}
.sec-sub{color:var(--muted);max-width:760px;margin-bottom:30px;font-size:18px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:26px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.card h3{font-size:20px;margin-bottom:8px}
.card p,.card li{color:#33405f;font-size:16px}
.card ul{padding-left:20px}
.card li{margin-bottom:6px}
.tag{display:inline-block;font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:3px 10px;border-radius:99px;background:var(--azure);color:var(--blue);margin-bottom:10px}
.tag.red{background:#fde8e6;color:#a8261d}
.tag.ok{background:#e4f5ec;color:var(--ok)}
.lists{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.yes li::marker{content:"✓  ";color:var(--ok);font-weight:700}
.no li::marker{content:"✕  ";color:#b3261e;font-weight:700}
ul.yes,ul.no{list-style:disc;padding-left:22px}

/* tables */
.tbl{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
table{width:100%;border-collapse:collapse;font-size:15.5px;min-width:620px}
th,td{padding:14px 16px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
th{background:var(--azure);color:var(--navy);font-family:var(--head);font-size:14px}
tr:last-child td{border-bottom:0}
td b{color:var(--navy)}
caption{caption-side:bottom;font-size:13.5px;color:var(--muted);padding:10px 14px;text-align:left}

/* steps */
ol.steps{list-style:none;counter-reset:s;display:grid;gap:14px}
ol.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px 18px 72px;position:relative}
ol.steps li:before{content:counter(s);position:absolute;left:18px;top:16px;width:38px;height:38px;border-radius:50%;background:var(--blue);color:#fff;font-family:var(--head);font-weight:800;display:flex;align-items:center;justify-content:center}
ol.steps h3{font-size:18px;margin-bottom:4px}
ol.steps p{font-size:16px;color:#33405f}
.clocks{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.clock{background:#fff;border:1px solid var(--line);border-top:4px solid var(--blue);border-radius:var(--radius);padding:20px}
.clock b{font-family:var(--head);color:var(--navy);font-size:20px;display:block;margin-bottom:6px}

/* callouts */
.note{border-left:4px solid var(--blue);background:var(--azure);border-radius:0 12px 12px 0;padding:16px 20px;margin:22px 0;font-size:16px}
.note.warn{border-color:var(--warn);background:#fff6e5}
.note b{color:var(--navy)}

/* people */
.person{display:grid;grid-template-columns:260px 1fr;gap:28px;align-items:center}
.person img{border-radius:18px;aspect-ratio:1/1;object-fit:cover;object-position:50% 40%;border:1px solid var(--line)}

/* reviews */
.reviews{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.review{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px;display:flex;flex-direction:column}
.stars{font-family:var(--head);font-weight:800;color:#b8860b;font-size:15px;margin-bottom:8px}
.stars span{color:var(--navy)}
.review p{font-size:15.5px;color:#33405f;flex:1}
.review cite{display:block;margin-top:12px;font-style:normal;font-size:13.5px;color:var(--muted)}
.review cite b{color:var(--navy);display:block;font-size:15px}

/* FAQ */
details{border-bottom:1px solid var(--line);padding:18px 0}
details:first-of-type{border-top:1px solid var(--line)}
summary{font-family:var(--head);font-weight:700;font-size:18px;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:18px;color:var(--navy)}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";font-size:26px;line-height:1;color:var(--blue)}
details[open] summary:after{content:"–"}
details p{margin-top:10px;color:#33405f;max-width:820px;font-size:16.5px}

/* tools */
.tool{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.tool label{font-weight:700;display:block;margin-bottom:8px;font-family:var(--head);color:var(--navy)}
.tool input[type=number]{width:100%;padding:12px 14px;border:1px solid #b7c3e6;border-radius:10px;font:600 18px var(--body);margin-bottom:14px}
.tool .res{border-top:1px solid var(--line);padding-top:12px}
.tool .res div{display:flex;justify-content:space-between;padding:8px 0;border-bottom:1px dashed var(--line)}
.tool .res div:last-child{border:0;font-weight:800;color:var(--navy)}
.selector{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:18px}
.selector button{font:600 15px var(--head);padding:10px 16px;border-radius:99px;border:1px solid #b7c3e6;background:#fff;color:var(--navy);cursor:pointer}
.selector button[aria-pressed=true]{background:var(--blue);border-color:var(--blue);color:#fff}
tr.dim{opacity:.35}

/* CTA */
.ctaband{background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;padding:54px 0}
.ctaband .wrap{display:grid;grid-template-columns:1.3fr .7fr;gap:32px;align-items:center}
.ctaband h2{color:#fff;font-size:clamp(26px,3vw,38px);margin-bottom:10px}
.ctaband p{color:#dbe5ff;font-size:18px}
.ctaband .side{background:rgba(255,255,255,.1);border-radius:16px;padding:22px;font-size:15.5px}
.ctaband .side b{font-family:var(--head);color:#fff}
.ctaband a.btn{background:#25d366;border-color:#25d366;color:#052e16}
.ctaband a.btn:hover{background:#fff;border-color:#fff}

/* content */
.prose{max-width:820px}
.prose p{margin-bottom:16px}
.prose h2{font-size:clamp(24px,2.8vw,32px);margin:38px 0 12px}
.prose h3{font-size:20px;margin:26px 0 8px}
.prose ul,.prose ol{padding-left:22px;margin-bottom:16px}
.prose li{margin-bottom:6px}
.updated{font-size:14px;color:var(--muted);margin-top:30px;padding-top:14px;border-top:1px solid var(--line)}
.related{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:20px}
.related a{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:16px 18px;text-decoration:none;color:var(--navy);font-weight:700;font-family:var(--head)}
.related a small{display:block;color:var(--muted);font-weight:400;font-family:var(--body);margin-top:4px;font-size:14px}
.related a:hover{border-color:var(--blue);background:var(--azure2)}

/* footer */
footer.site{background:var(--navy);color:#b9c6ea;padding:48px 0 26px;font-size:15px}
footer.site .cols{display:grid;grid-template-columns:1.3fr 1fr 1fr 1.2fr;gap:30px}
footer.site h4{color:#fff;font-size:15px;margin-bottom:10px;letter-spacing:.04em}
footer.site a{color:#b9c6ea;text-decoration:none}
footer.site a:hover{color:#fff;text-decoration:underline}
footer.site ul{list-style:none}
footer.site li{margin-bottom:7px}
footer.site .legal{border-top:1px solid rgba(255,255,255,.15);margin-top:30px;padding-top:18px;font-size:13.5px;color:#92a3d3}
.wabar{display:none}

@media(max-width:1130px){
  nav.main{display:none;position:absolute;left:0;right:0;top:68px;background:#fff;border-bottom:1px solid var(--line);padding:10px 22px 18px;box-shadow:0 18px 30px rgba(11,27,77,.1)}
  nav.main.open{display:block}
  nav.main ul{flex-direction:column;align-items:stretch}
  .menu-btn{display:block}
  header.site .btn.sm{display:none}
  .hero .wrap,.grid2,.ctaband .wrap,.person{grid-template-columns:1fr}
  .grid3,.reviews,.related,.clocks{grid-template-columns:1fr 1fr}
  .strip .wrap{grid-template-columns:1fr 1fr}
  .strip div{border-bottom:1px solid rgba(255,255,255,.14)}
  footer.site .cols{grid-template-columns:1fr 1fr}
  .person img{max-width:260px}
}
@media(max-width:640px){
  body{font-size:16px;padding-bottom:58px}
  .wrap{padding:0 18px}
  .grid3,.reviews,.related,.clocks,.lists,footer.site .cols{grid-template-columns:1fr}
  section.blk{padding:46px 0}
  ol.steps li{padding:16px 16px 16px 64px}
  .wabar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:150;background:#1f9d55;color:#fff;text-decoration:none;font:700 17px var(--head);justify-content:center;align-items:center;gap:10px;padding:15px}
  .brand small{display:none}
}
.newslist{display:grid;gap:18px;max-width:880px}
.newsitem h2{font-size:24px;margin-bottom:8px}
.newsitem h2 a{text-decoration:none;color:var(--navy)}
.newsitem h2 a:hover{color:var(--blue)}
.newsdate{font-size:14px;color:var(--muted);margin-bottom:8px}

.tb-right{display:flex;align-items:center;gap:18px}
.langs{display:flex;gap:6px;font-size:13px}
.langs a,.langs b{padding:2px 7px;border-radius:6px;text-decoration:none;letter-spacing:.04em}
.langs a{color:#dbe5ff;font-weight:600}
.langs a:hover{background:rgba(255,255,255,.14);color:#fff}
.langs b{background:#fff;color:var(--navy)}

.topbar .wrap{justify-content:flex-end;padding-top:5px;padding-bottom:5px}
@media(max-width:640px){.topbar .wrap{justify-content:center}}