:root{--navy:#142864;--navy-dk:#0d1a40;--coral:#f07850;--warm:#faf9f7;--grey:#64748b;--border:#e5e9f0;--text:#1c2240}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:Inter,Arial,sans-serif;color:var(--text);background:#fff;line-height:1.7}
a{color:inherit;text-decoration:none}
.hero{background:linear-gradient(135deg,var(--navy-dk),var(--navy));color:#fff;padding:34px 5% 54px}
.nav{max-width:1100px;margin:0 auto 42px;display:flex;justify-content:space-between;gap:18px;align-items:center}
.brand{font-weight:900;font-size:1.1rem}
.nav a{font-size:.9rem;color:rgba(255,255,255,.82)}
.hero-inner,.container{max-width:1100px;margin:0 auto}
.crumb{font-size:.78rem;color:rgba(255,255,255,.65);margin-bottom:20px}
h1{font-size:clamp(2rem,5vw,3.8rem);line-height:1.05;letter-spacing:-.04em;max-width:840px;margin-bottom:18px}
.hero p{max-width:680px;color:rgba(255,255,255,.78);font-size:1.05rem}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.btn{display:inline-flex;justify-content:center;align-items:center;border-radius:10px;padding:14px 22px;font-weight:800}
.btn-coral{background:var(--coral);color:#fff}
.btn-light{border:2px solid rgba(255,255,255,.35);color:#fff}
.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:-28px}
.fact{background:#fff;border:1px solid var(--border);border-radius:14px;padding:18px;box-shadow:0 14px 40px rgba(20,40,100,.08)}
.fact span{display:block;color:var(--grey);font-size:.72rem;text-transform:uppercase;font-weight:900;letter-spacing:.6px;margin-bottom:5px}
.fact strong{color:var(--navy);font-size:1.05rem}
section{padding:46px 5%}
h2{font-size:clamp(1.55rem,3vw,2.2rem);color:var(--navy);line-height:1.18;margin-bottom:14px}
.lead{color:var(--grey);max-width:720px;margin-bottom:24px}
.grid{display:grid;grid-template-columns:1.2fr .8fr;gap:24px;align-items:start}
.card{background:var(--warm);border:1px solid var(--border);border-radius:16px;padding:22px}
table{width:100%;border-collapse:collapse;background:#fff;border-radius:14px;overflow:hidden;border:1px solid var(--border)}
th,td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--border)}
th{font-size:.72rem;color:var(--grey);text-transform:uppercase;letter-spacing:.6px;background:var(--warm)}
td strong{color:var(--navy)}
.faq details{border:1px solid var(--border);border-radius:12px;padding:15px 18px;margin-bottom:10px;background:#fff}
.faq summary{font-weight:800;color:var(--navy);cursor:pointer}
.faq p{color:var(--grey);margin-top:10px}
.note-list{padding-left:20px;color:var(--grey)}
.note-list li+li{margin-top:8px}
.footer{background:var(--navy-dk);color:#fff;text-align:center;padding:30px 5%;font-size:.9rem}
@media(max-width:800px){.facts,.grid{grid-template-columns:1fr}.nav{align-items:flex-start;flex-direction:column}.hero{padding-top:24px}.fact{padding:15px}}