:root{--navy:#071b36;--navy2:#0b2d57;--gold:#d7ad62;--gold2:#f0d39b;--ink:#10233b;--muted:#607087;--paper:#f5f8fb;--white:#fff;--line:#dfe6ef;--shadow:0 22px 60px rgba(7,27,54,.12)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Tahoma,"Segoe UI",Arial,sans-serif;background:var(--paper);color:var(--ink);line-height:1.85;overflow-x:hidden}a{color:inherit;text-decoration:none}.shell{width:min(1080px,calc(100% - 40px));margin:auto}.skip{position:fixed;top:-60px;right:16px;z-index:50;background:#fff;padding:10px 15px;border-radius:9px}.skip:focus{top:12px}a:focus-visible,summary:focus-visible{outline:3px solid var(--gold);outline-offset:4px}header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.94);backdrop-filter:blur(12px);border-bottom:1px solid rgba(7,27,54,.09)}header nav{height:72px;display:flex;align-items:center;justify-content:space-between;gap:18px}.brand{display:flex;align-items:center;gap:11px;font-weight:800;color:var(--navy)}.mark{width:42px;height:42px;border-radius:13px;background:var(--navy);display:grid;place-items:center;color:var(--gold);font-size:20px}.back{font-size:14px;color:#506178}.nav-cta,.primary{background:linear-gradient(135deg,var(--gold2),var(--gold));color:#172235;border-radius:12px;padding:11px 18px;font-weight:800}.hero{position:relative;overflow:hidden;background:radial-gradient(circle at 18% 25%,rgba(215,173,98,.19),transparent 28%),linear-gradient(120deg,#06172f,#0b2f5c);color:#fff;padding:82px 0 72px}.hero:after{content:attr(data-flag);position:absolute;left:5%;top:0;font-size:190px;opacity:.055;filter:grayscale(1)}.crumb{font-size:13px;color:#b9c6d6}.crumb a{color:var(--gold2)}h1{font-size:clamp(38px,6vw,64px);line-height:1.35;margin:17px 0}.hero h1 em{font-style:normal;color:var(--gold2)}.lead{font-size:18px;color:#d5e0ee;max-width:760px;margin:0 0 28px}.actions{display:flex;flex-wrap:wrap;gap:12px}.secondary{padding:10px 18px;border:1px solid rgba(255,255,255,.3);border-radius:12px;font-weight:700}section{padding:74px 0;scroll-margin-top:84px}.intro{display:grid;grid-template-columns:1fr .78fr;gap:52px;align-items:start}.kicker{color:#a8752f;font-weight:800;font-size:13px}.intro h2,.head h2{font-size:clamp(28px,4vw,41px);line-height:1.45;color:var(--navy);margin:6px 0 15px}.intro p,.head p{color:var(--muted)}.snapshot{background:#fff;border:1px solid var(--line);border-radius:22px;padding:24px;box-shadow:var(--shadow)}.snap{display:flex;gap:12px;padding:12px 0;border-bottom:1px solid var(--line)}.snap:last-child{border:0}.snap b{color:#99691f;min-width:92px}.snap span{color:var(--muted);font-size:14px}.benefits{background:#eef3f8}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:17px}.card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:24px}.card i{font-style:normal;display:grid;place-items:center;width:39px;height:39px;border-radius:12px;background:#f5ead5;color:#956622;font-weight:800}.card h3{color:var(--navy);font-size:18px;margin:13px 0 7px}.card p{margin:0;color:var(--muted);font-size:14px}.path{background:var(--navy);color:#fff}.path .head h2{color:#fff}.path .head p{color:#c6d1df}.steps{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;counter-reset:step}.step{position:relative;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);border-radius:19px;padding:22px 68px 22px 22px;counter-increment:step}.step:before{content:counter(step);position:absolute;right:19px;top:21px;width:34px;height:34px;border-radius:11px;background:var(--gold);color:var(--navy);display:grid;place-items:center;font-weight:800}.step h3{font-size:17px;margin:0 0 5px;color:var(--gold2)}.step p{font-size:14px;color:#cbd6e3;margin:0}.faq{background:#fff}.faq-list{display:grid;gap:11px}.faq details{border:1px solid var(--line);border-radius:16px;padding:0 20px}.faq summary{cursor:pointer;list-style:none;padding:17px 0;font-weight:800;color:var(--navy)}.faq summary::-webkit-details-marker{display:none}.faq p{color:var(--muted);margin:0 0 19px}.source-note{margin-top:20px;padding:17px 19px;border-right:3px solid var(--gold);background:#f2f5f9;color:var(--muted);font-size:14px}.source-note a{color:#8d6020;font-weight:700}.cta{padding:62px 0}.cta-box{background:linear-gradient(120deg,#fff,#edf3f9);border:1px solid var(--line);border-radius:27px;padding:38px;display:flex;justify-content:space-between;align-items:center;gap:24px;box-shadow:var(--shadow)}.cta h2{margin:0 0 7px;color:var(--navy)}.cta p{margin:0;color:var(--muted)}footer{background:#041327;color:#adbbcd;padding:31px 0}.foot{display:flex;justify-content:space-between;gap:24px;align-items:center}.foot strong{color:#fff}@media(max-width:820px){.intro{grid-template-columns:1fr}.cards{grid-template-columns:1fr 1fr}.back{display:none}}@media(max-width:570px){.shell{width:min(100% - 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