@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@400;500;600;700&display=swap');
:root{
  --bg:#F8FAFC;
  --ink:#13212C;
  --muted:#60717F;
  --line:#D8E3EA;
  --brand:#0E5B89;
  --brand-deep:#093B59;
  --brand-mid:#3E7CA1;
  --brand-light:#9FBDD0;
  --brand-soft:#CFE0E7;
  --brand-mist:#EAF2F6;
  --card:#FFFFFF;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Montserrat","Segoe UI",Arial,sans-serif;background:var(--bg);color:var(--ink);line-height:1.62;-webkit-font-smoothing:antialiased}
a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{width:min(var(--max),calc(100% - 36px));margin:auto}
.top{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.97);backdrop-filter:blur(12px);border-bottom:1px solid var(--line);box-shadow:0 2px 18px rgba(9,59,89,.04)}
.nav{height:76px;display:flex;align-items:center;gap:28px}
.brand{display:flex;align-items:center;flex:0 0 auto;text-decoration:none}
.brand:hover{text-decoration:none}
.brand-lockup{display:block;width:198px;height:auto;max-height:55px;object-fit:contain;object-position:left center}
.links{display:flex;gap:22px;margin-left:auto;font-size:14px;font-weight:500}
.links a{color:var(--ink)}
.links a:hover{color:var(--brand);text-decoration:none}
.menu{display:none;margin-left:auto;border:0;background:transparent;color:var(--brand-deep);font-size:26px}
.hero{padding:88px 0 64px;background:linear-gradient(135deg,#EAF2F6 0%,#FBFCFD 52%,#DDEAF1 100%);border-bottom:1px solid var(--line)}
.kicker{text-transform:uppercase;letter-spacing:.12em;color:var(--brand);font-size:12px;font-weight:700}
.hero h1{font-size:clamp(40px,6.5vw,76px);line-height:1.03;margin:12px 0 20px;letter-spacing:-.045em;max-width:980px;font-weight:600}
.hero p{font-size:20px;color:var(--muted);max-width:780px}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 18px;border-radius:10px;border:1px solid var(--brand);font-weight:600;transition:.18s ease}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn.primary{background:var(--brand);color:#fff;box-shadow:0 8px 20px rgba(14,91,137,.17)}
.btn.primary:hover{background:var(--brand-deep)}
.btn.ghost{color:var(--brand);background:#fff}
.section{padding:68px 0}
.section h2{font-size:clamp(30px,4vw,46px);letter-spacing:-.035em;line-height:1.13;margin:0 0 12px;font-weight:600}
.lead{font-size:18px;color:var(--muted);max-width:820px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:30px}
.card{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:24px;box-shadow:0 8px 30px rgba(9,59,89,.045)}
.card h3{margin:0 0 9px;font-size:21px;font-weight:600}
.card p{color:var(--muted);margin:.4em 0}
.tag{display:inline-block;padding:5px 9px;border-radius:999px;background:var(--brand-mist);color:var(--brand);font-size:12px;font-weight:700;margin-bottom:12px}
.strip{background:var(--brand-deep);color:#fff}
.strip .lead{color:#D9E6ED}
.strip .kicker{color:#AFC7D7!important}
.strip a{color:#fff}
.article{max-width:860px;margin:auto}
.article h1{font-size:clamp(38px,5vw,58px);line-height:1.1;letter-spacing:-.04em;margin:18px 0;font-weight:600}
.article h2{margin-top:42px;font-size:30px;font-weight:600}
.article h3{margin-top:30px;font-weight:600}
.article p,.article li{font-size:17px}
.note{border-left:4px solid var(--brand);background:var(--brand-mist);padding:16px 18px;border-radius:0 10px 10px 0;margin:24px 0}
.warn{border-left-color:#8B6D2D;background:#FAF6EB}
.refs{font-size:14px;color:var(--muted);border-top:1px solid var(--line);margin-top:48px;padding-top:24px}
.refs li{font-size:14px;margin:8px 0}
.breadcrumbs{font-size:14px;color:var(--muted);padding-top:30px}
.meta{color:var(--muted);font-size:14px}
.footer{border-top:1px solid var(--line);padding:42px 0 58px;color:var(--muted);font-size:14px;background:#fff}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px}
.footer strong{color:var(--ink);font-weight:600}
.footer-logo{display:block;width:190px;height:auto;margin:0 0 16px;object-fit:contain}
.footer-brand p{max-width:520px}
.pillars{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:30px}
.pillar{border-top:3px solid var(--brand);padding:18px;background:#fff;border-radius:0 0 12px 12px;box-shadow:0 8px 24px rgba(9,59,89,.035)}
.eyebrow{font-size:12px;text-transform:uppercase;letter-spacing:.1em;color:var(--muted)}
.price-note{font-size:13px;color:var(--muted)}
.cta{padding:28px;border-radius:16px;background:var(--brand-deep);color:#fff}
.cta p{color:#DCE8EE}
.cta a{color:#fff}
.source-badge{display:inline-block;font-size:12px;border:1px solid var(--line);border-radius:7px;padding:4px 7px;color:var(--muted);background:#fff}
.two{display:grid;grid-template-columns:1.1fr .9fr;gap:24px}
.list-clean{padding-left:20px}
.list-clean li{margin:8px 0}
.archive{border:1px dashed #A9BEC9;background:#fff;padding:14px 16px;border-radius:10px;color:var(--muted);font-size:14px}
.hr{height:1px;background:var(--line);margin:36px 0}
.small{font-size:13px;color:var(--muted)}
@media(max-width:850px){
  .links{display:none}.menu{display:block}.links.open{display:flex;position:absolute;top:68px;left:0;right:0;flex-direction:column;background:#fff;padding:20px 24px;border-bottom:1px solid var(--line)}
  .grid,.pillars,.two,.footer-grid{grid-template-columns:1fr}.hero{padding-top:62px}.nav{height:68px}.brand-lockup{width:168px;max-height:48px}.footer-logo{width:170px}
}