:root{--navy:#071f3b;--teal:#0f9aa8;--gold:#a97533;--ink:#213247;--muted:#617184;--line:#dce6eb;--soft:#f3f8fa;--accent:#0f9aa8}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--ink);background:#f8fafc;line-height:1.6}a{color:inherit}.container{width:min(1280px,92%);margin:0 auto}.top{background:#061b34;color:#d9e7ef;text-align:center;padding:9px;font-size:13px}.btn{display:inline-block;padding:13px 19px;border-radius:10px;text-decoration:none;font-weight:850;border:1px solid transparent}.btn-teal{background:var(--teal);color:#fff}.btn-light{border-color:#fff;color:#fff}.hero{background:linear-gradient(135deg,#071f3b,#0b4161 70%,var(--accent));color:#fff;padding:72px 0 54px}.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:48px;align-items:center}.crumb{font-size:13px;color:#aee4e8;text-decoration:none;display:inline-flex;align-items:center;gap:6px;font-weight:700;transition:all 0.2s ease}.crumb:hover{color:#fff;transform:translateX(-2px);text-decoration:underline}.hero h1{font-size:clamp(36px,5.5vw,64px);line-height:1.06;letter-spacing:-.04em;margin:14px 0 18px}.hero p{font-size:18px;color:#dce8ef;max-width:680px}.badge{display:inline-flex;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.28);border-radius:999px;padding:8px 13px;font-weight:800;font-size:13px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:25px}.fact{background:#ffffff!important;color:#17364b!important;padding:28px!important;border-radius:18px!important;box-shadow:0 20px 50px rgba(0,0,0,.3)!important;border:1.5px solid rgba(255,255,255,.9)!important}.fact .eyebrow{color:#0f9aa8!important;font-weight:800!important;font-size:11.5px!important;letter-spacing:.12em!important;text-transform:uppercase!important;display:block!important;margin-bottom:4px!important}.fact h2{color:#071f3b!important;font-size:32px!important;font-weight:900!important;margin:4px 0 10px!important;line-height:1.1!important}.fact p{color:#4b6475!important;font-size:15px!important;line-height:1.6!important;margin-bottom:16px!important}.fact a{color:#0f9aa8!important;font-weight:800!important;text-decoration:none!important;font-size:14px!important}.fact a:hover{text-decoration:underline!important}.section{padding:72px 0}.soft{background:var(--soft)}.section-head{max-width:760px;margin-bottom:34px}.section-head h2{color:var(--navy);font-size:clamp(30px,4vw,44px);line-height:1.15;margin:8px 0}.eyebrow{color:var(--teal);font-size:12px;font-weight:900;letter-spacing:.13em;text-transform:uppercase}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{background:#fff;border:1px solid var(--line);border-radius:15px;padding:23px}.card h3{color:var(--navy);margin:0 0 8px}.card p,.card li{color:var(--muted)}.card ul{padding-left:19px}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.step{background:#fff;border:1px solid var(--line);border-top:4px solid var(--teal);border-radius:12px;padding:21px}.step strong{display:block;color:var(--teal);font-size:12px;margin-bottom:8px}.notice{background:#fff7e8;border-left:4px solid var(--gold);padding:16px 18px;border-radius:0 10px 10px 0;color:#58492e}.states{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.state{display:block;text-decoration:none;background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px;transition:.2s}.state:hover{transform:translateY(-3px);box-shadow:0 12px 30px rgba(7,31,59,.1)}.state b{color:var(--teal);font-size:12px;text-transform:uppercase}.state h3{color:var(--navy);margin:6px 0}.cta{background:var(--navy);color:#fff;text-align:center;padding:56px 0}.cta h2{font-size:38px;margin:0}.cta p{color:#d6e3eb;font-size:18px}footer{background:#06172c;color:#b8c9d7;text-align:center;padding:48px 0 32px}.fine{font-size:13px;color:var(--muted)}@media(max-width:1080px){.hero-grid{grid-template-columns:1fr}.grid,.states{grid-template-columns:1fr 1fr}.steps{grid-template-columns:1fr 1fr}}@media(max-width:620px){.hero{padding:48px 0 36px}.section{padding:48px 0}.grid,.steps,.states{grid-template-columns:1fr}.actions .btn{width:100%;text-align:center}}