:root{--navy:#0f1b2d;--navy2:#16365c;--blue:#3b82f6;--gold:#c8a04a;--ink:#1a2332;--soft:#5b6b7d;--line:#e6eaf0;--bg:#f6f8fb}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Segoe UI',system-ui,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6}
.wrap{max-width:1040px;margin:0 auto;padding:0 22px}
a{color:inherit}
/* nav */
.nav{position:sticky;top:0;z-index:20;background:rgba(15,27,45,.97);backdrop-filter:blur(6px);border-bottom:1px solid rgba(255,255,255,.08)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:58px}
.brand{color:#fff;font-weight:800;font-size:19px;letter-spacing:-.3px;text-decoration:none}
.brand span{color:var(--gold)}
.navlinks{display:flex;gap:18px;flex-wrap:wrap}
.navlinks a{color:#cfe0f5;text-decoration:none;font-size:14.5px;font-weight:600}
.navlinks a:hover{color:#fff}
@media(max-width:760px){.navlinks{display:none}}
/* hero */
.hero{background:radial-gradient(1200px 500px at 70% -10%,#1d4373 0%,var(--navy) 55%);color:#fff;padding:60px 0 64px;text-align:center}
.badge{display:inline-block;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);color:#cfe0f5;font-size:13px;padding:6px 14px;border-radius:999px;margin-bottom:20px}
.hero h1{font-size:40px;line-height:1.14;font-weight:800;letter-spacing:-.5px;margin-bottom:16px}
.hero h1 .hl{color:var(--gold)}
.hero p{font-size:18px;color:#c4d3e6;max-width:680px;margin:0 auto 26px}
.btn{display:inline-block;padding:13px 26px;border-radius:11px;font-size:16px;font-weight:700;text-decoration:none;background:var(--gold);color:#16213a}
@media(max-width:780px){.hero h1{font-size:30px}}
/* content */
section{padding:52px 0}
h2{font-size:27px;font-weight:800;letter-spacing:-.3px;margin-bottom:14px;color:var(--navy2)}
.prose p{color:#41506180;color:var(--ink);font-size:16px;margin-bottom:16px}
.prose ul{margin:0 0 18px 20px}
.prose li{margin-bottom:9px;font-size:15.5px}
.lead{font-size:18px;color:var(--soft);margin-bottom:26px}
.alt{background:var(--bg)}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:8px}
@media(max-width:780px){.cards{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:13px;padding:20px}
.card h3{color:var(--navy2);font-size:16px;margin-bottom:6px}
.card p{color:var(--soft);font-size:14px}
.related a{color:var(--blue);font-weight:600;text-decoration:none}
/* cta band */
.band{background:var(--navy);color:#fff;text-align:center;border-radius:18px;padding:44px 26px;margin:40px 22px}
.band h2{color:#fff}
.band p{color:#c4d3e6;font-size:17px;max-width:560px;margin:8px auto 22px}
.contact{font-size:16px;color:#dbe6f4;margin-top:10px}
.contact a{color:var(--gold);font-weight:700;text-decoration:none}
footer{text-align:center;color:var(--soft);font-size:13px;padding:28px 0 40px;border-top:1px solid var(--line)}
footer a{color:var(--soft);text-decoration:none;margin:0 8px}