:root{--navy:#10294f;--blue:#1d5fc0;--blue-d:#164a96;--sky:#e8f0fb;--ink:#1b2433;--muted:#5a6578;--line:#dbe3ef;--bg:#f6f8fc;--white:#fff;--gold:#e9a93a;--green:#1f8a5b}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
img{max-width:100%;display:block}
a{color:var(--blue)}
.wrap{width:min(1120px,100% - 32px);margin:0 auto}
.top{background:var(--navy);color:#fff;font-size:14px}
.top .wrap{display:flex;gap:18px;justify-content:space-between;align-items:center;padding:9px 0;flex-wrap:wrap}
.top a{color:#fff;text-decoration:none;font-weight:600}
.top .lic{opacity:.85}
.hdr{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.hdr .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 0}
.brand{font-weight:800;font-size:20px;color:var(--navy);text-decoration:none;letter-spacing:-.2px}
.brand span{color:var(--blue)}
.nav{display:flex;gap:22px;align-items:center}
.nav a{color:var(--ink);text-decoration:none;font-size:15px;font-weight:500}
.nav a:hover{color:var(--blue)}
.btn{display:inline-block;background:var(--blue);color:#fff!important;text-decoration:none;font-weight:700;padding:14px 24px;border-radius:10px;border:2px solid var(--blue);cursor:pointer;font-size:16px;font-family:inherit}
.btn:hover{background:var(--blue-d);border-color:var(--blue-d)}
.btn.line{background:transparent;color:var(--navy)!important;border-color:var(--navy)}
.btn.line:hover{background:var(--navy);color:#fff!important}
.nav .btn{padding:10px 18px;font-size:15px}
.hero{background:linear-gradient(135deg,var(--navy) 0%,#17407f 100%);color:#fff;padding:72px 0 80px}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.eyebrow{display:inline-block;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);padding:6px 14px;border-radius:100px;font-size:14px;margin-bottom:18px}
.hero h1{font-size:clamp(32px,5vw,52px);line-height:1.1;margin:0 0 18px;letter-spacing:-.8px}
.hero p.lead{font-size:19px;opacity:.92;margin:0 0 28px;max-width:34em}
.hero .ctas{display:flex;gap:14px;flex-wrap:wrap}
.hero .btn.line{color:#fff!important;border-color:rgba(255,255,255,.7)}
.hero .btn.line:hover{background:#fff;color:var(--navy)!important}
.card-hero{background:#fff;color:var(--ink);border-radius:18px;padding:26px;box-shadow:0 20px 50px rgba(0,0,0,.25)}
.card-hero h2{font-size:19px;margin:0 0 14px;color:var(--navy)}
.card-hero ul{list-style:none;margin:0;padding:0}
.card-hero li{display:flex;gap:12px;padding:11px 0;border-top:1px solid var(--line);font-size:16px}
.card-hero li:first-child{border-top:0}
.ck{flex:none;width:22px;height:22px;border-radius:50%;background:var(--green);color:#fff;display:grid;place-items:center;font-size:13px;font-weight:700;margin-top:2px}
.facts{background:#fff;border-bottom:1px solid var(--line)}
.facts .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.fact{padding:22px 18px;text-align:center;border-left:1px solid var(--line)}
.fact:first-child{border-left:0}
.fact b{display:block;font-size:22px;color:var(--navy);line-height:1.2}
.fact span{font-size:14px;color:var(--muted)}
section.sec{padding:76px 0}
section.alt{background:#fff}
.head{max-width:680px;margin:0 0 36px}
.tag{font-size:13px;font-weight:700;letter-spacing:1.4px;text-transform:uppercase;color:var(--blue);margin-bottom:8px}
h2.t{font-size:clamp(26px,3.6vw,38px);line-height:1.15;margin:0 0 12px;color:var(--navy);letter-spacing:-.5px}
.head p{color:var(--muted);margin:0}
.cols{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.cov{background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px}
.alt .cov{background:var(--bg)}
.cov h3{margin:0 0 4px;font-size:23px;color:var(--navy)}
.cov .sub{color:var(--muted);margin:0 0 16px;font-size:15px}
.cov ul{margin:0;padding:0;list-style:none;display:grid;gap:10px}
.cov li{display:flex;gap:10px}
.cov li:before{content:"";flex:none;width:8px;height:8px;border-radius:50%;background:var(--blue);margin-top:10px}
.note{margin-top:18px;font-size:15px;color:var(--muted)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.step{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;position:relative}
.step b{display:grid;place-items:center;width:44px;height:44px;border-radius:12px;background:var(--sky);color:var(--blue);font-size:20px;margin-bottom:14px}
.step h3{margin:0 0 6px;font-size:20px;color:var(--navy)}
.step p{margin:0;color:var(--muted);font-size:16px}
.renew{background:var(--navy);color:#fff;border-radius:22px;padding:40px;display:grid;grid-template-columns:auto 1fr;gap:28px;align-items:center;margin-top:28px}
.renew .ic{width:72px;height:72px;border-radius:20px;background:rgba(255,255,255,.12);display:grid;place-items:center;font-size:34px}
.renew h3{margin:0 0 8px;font-size:24px}
.renew p{margin:0;opacity:.9}
.about{display:grid;grid-template-columns:.8fr 1.2fr;gap:52px;align-items:center}
.about .ph{border-radius:22px;overflow:hidden;box-shadow:0 16px 40px rgba(16,41,79,.18);aspect-ratio:1/1;background:var(--sky)}
.about .ph img{width:100%;height:100%;object-fit:cover}
.about blockquote{margin:0 0 22px;font-size:18px;color:var(--ink);border-left:4px solid var(--blue);padding-left:20px}
.pills{display:flex;gap:10px;flex-wrap:wrap}
.pill{background:var(--sky);color:var(--navy);padding:8px 14px;border-radius:100px;font-size:14px;font-weight:600}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 22px;margin-bottom:12px}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);font-size:18px}
.faq p{margin:10px 0 0;color:var(--muted)}
.quote{display:grid;grid-template-columns:.9fr 1.1fr;gap:44px;align-items:start}
.contact-box{background:var(--navy);color:#fff;border-radius:20px;padding:34px}
.contact-box h2{margin:0 0 10px;font-size:30px;line-height:1.15}
.contact-box p{opacity:.9}
.contact-box a{color:#fff;font-weight:700;text-decoration:none}
.contact-box .row{margin:14px 0;font-size:18px}
.contact-box .row small{display:block;opacity:.7;font-size:13px;text-transform:uppercase;letter-spacing:1px}
form{background:#fff;border:1px solid var(--line);border-radius:20px;padding:30px;display:grid;gap:16px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:16px}
label{display:block;font-weight:600;font-size:15px;margin-bottom:6px;color:var(--navy)}
input,select,textarea{width:100%;padding:13px 14px;border:1.5px solid #c5d0e2;border-radius:10px;font:inherit;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:3px solid #b9d0f5;border-color:var(--blue)}
textarea{min-height:110px;resize:vertical}
.hint{font-size:13px;color:var(--muted);margin-top:4px;font-weight:400}
.chk{display:flex;gap:10px;align-items:flex-start;font-size:14px;color:var(--muted)}
.chk input{width:auto;margin-top:4px}
.hp{position:absolute;left:-9999px}
footer{background:var(--navy);color:#cfd9ea;padding:38px 0;font-size:15px}
footer .wrap{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}
footer a{color:#fff;text-decoration:none}
footer b{color:#fff}
.page{padding:60px 0;background:#fff}
.page h1{color:var(--navy);margin-top:0}
.page h2{color:var(--navy);margin-top:30px}
.sticky-call{display:none}
@media(max-width:900px){
 .hero .wrap,.about,.quote,.cols{grid-template-columns:1fr}
 .steps{grid-template-columns:1fr}
 .facts .wrap{grid-template-columns:1fr 1fr}
 .fact:nth-child(3){border-left:0}
 .fact:nth-child(n+3){border-top:1px solid var(--line)}
 .nav a:not(.btn){display:none}
 .hero{padding:48px 0 56px}
 section.sec{padding:52px 0}
 .renew{grid-template-columns:1fr;padding:28px}
 .about .ph{max-width:340px}
 .two{grid-template-columns:1fr}
 body{padding-bottom:64px}
 .sticky-call{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:30;background:var(--blue);color:#fff;text-decoration:none;font-weight:700;justify-content:center;align-items:center;gap:10px;padding:16px}
}

.narrow{width:min(760px,100% - 32px)}
.post{padding:48px 0 64px}.post h1{font-size:clamp(28px,4.2vw,42px);line-height:1.15;color:var(--navy);margin:6px 0 10px;letter-spacing:-.5px}
.post h2{font-size:24px;color:var(--navy);margin:34px 0 8px}.post p,.post li{font-size:18px}.post ul,.post ol{padding-left:22px}.post li{margin:6px 0}
.crumb{margin:0 0 14px;font-size:15px}.meta{color:var(--muted);font-size:15px;margin:0 0 18px}.lead2{font-size:20px;color:var(--ink);border-left:4px solid var(--blue);padding-left:16px;margin:18px 0 8px}
.disc{background:var(--sky);border-radius:10px;padding:14px 16px;font-size:15px!important;color:var(--muted);margin-top:30px}
.srcs{margin-top:22px;font-size:15px}.srcs li{font-size:15px}
.post-cta{background:var(--navy);color:#fff;border-radius:18px;padding:28px;margin-top:36px}.post-cta h3{margin:0 0 6px;font-size:22px}.post-cta p{margin:0 0 16px;font-size:17px;color:#dbe6f7}
.pgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:22px;margin-top:28px}
.pc{display:block;background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;text-decoration:none;color:var(--ink)}.pc:hover{border-color:var(--blue);box-shadow:0 10px 30px rgba(16,41,79,.12)}
.pc h2{font-size:23px;color:var(--navy);margin:4px 0 8px;line-height:1.25}.pc p{color:var(--muted);margin:0 0 14px;font-size:16px}.pc .rm{color:var(--blue);font-weight:700}
h1.t{font-size:clamp(26px,3.6vw,38px);line-height:1.15;margin:0 0 12px;color:var(--navy);letter-spacing:-.5px}