:root{--blue:#1168b3;--blue2:#0a4f8c;--sky:#eaf5ff;--orange:#f47b20;--ink:#172b3a;--muted:#5f7285;--line:#dfe8ef;--bg:#f7fafc;--shadow:0 18px 50px rgba(21,65,96,.1)}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Tahoma,Arial,sans-serif;background:var(--bg);color:var(--ink);line-height:1.85}
img{display:block;max-width:100%}a{color:inherit}
.container{width:min(1180px,92%);margin:auto}
.topbar{background:#0d2b43;color:#dcebf5;font-size:13px;padding:7px 0}
.topbar .container{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
.identity-strip{background:#eaf5ff;border-bottom:1px solid #cfe2f1;color:#17364d;padding:11px 0;font-size:13px}
.identity-strip strong{color:#0a4f8c}
.site-header{background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.navrow{min-height:82px;display:flex;align-items:center;gap:24px}
.logo{display:flex;align-items:center;gap:11px;text-decoration:none}
.logo-mark{background:var(--blue);color:#fff;border-radius:14px;padding:10px 9px;font-weight:900}
.logo b{display:block;font-size:21px;color:#0d2b43;line-height:1.15}
.logo small{color:var(--muted);font-size:11px}
nav{display:flex;gap:18px;margin-inline-start:auto}
nav a{text-decoration:none;font-size:14px;font-weight:700}
nav a:hover{color:var(--blue)}
.menu{display:none;border:0;border-radius:10px;background:#edf5fb;padding:8px 12px;font-size:22px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:7px;border-radius:12px;padding:11px 20px;text-decoration:none;font-weight:900;transition:.2s;border:0;cursor:pointer}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:var(--orange);color:#fff;box-shadow:0 10px 25px rgba(244,123,32,.25)}
.btn-light{background:#fff;border:1px solid var(--line);color:var(--blue2)}
.hero{background:linear-gradient(135deg,#fff 0%,#eef7ff 62%,#fff8f1 100%);padding:64px 0}
.hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center}
.tag{display:inline-flex;background:#e0f3ff;color:#0a609c;padding:6px 13px;border-radius:999px;font-size:13px;font-weight:900}
.hero h1{font-size:clamp(34px,4.6vw,56px);line-height:1.2;color:#0d2b43;margin:16px 0}
.hero h1 span{color:var(--blue)}
.hero p{font-size:17px;color:var(--muted)}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin:22px 0}
.hero-img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:26px;box-shadow:var(--shadow)}
.disclosure{background:#fff5eb;border-right:5px solid var(--orange);border-radius:12px;padding:15px 17px;margin-top:18px;color:#66390f;font-size:14px}
.benefits{background:#fff;border-bottom:1px solid var(--line)}
.benefit-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.benefit{padding:22px;border-left:1px solid var(--line)}
.benefit:last-child{border-left:0}
.benefit b{display:block;color:#0d2b43}
.benefit small{color:var(--muted)}
.section{padding:66px 0}
.section.alt{background:#edf5f9}
.section-head{display:flex;justify-content:space-between;align-items:end;gap:24px;margin-bottom:28px}
.kicker{color:var(--orange);font-size:13px;font-weight:900}
.section h2,.page-hero h1{font-size:clamp(27px,3.6vw,39px);line-height:1.3;color:#0d2b43;margin:5px 0}
.section-head p{color:var(--muted);max-width:540px;margin:0}
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.card{background:#fff;border:1px solid var(--line);border-radius:18px;overflow:hidden;box-shadow:0 10px 28px rgba(20,55,80,.04)}
.card:hover{box-shadow:var(--shadow)}
.card img{width:100%;height:150px;object-fit:cover}
.card-body{padding:18px}
.card h3{margin:0 0 4px;color:#0d2b43;font-size:17px}
.card p{font-size:13.5px;color:var(--muted)}
.link{color:var(--blue);font-weight:900;text-decoration:none;font-size:14px}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}
.step{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px}
.step strong{font-size:30px;color:#cfe2f1}
.brands{display:grid;grid-template-columns:repeat(6,1fr);gap:11px}
.brand-card{background:#fff;border:1px solid var(--line);border-radius:13px;padding:17px 6px;text-align:center;text-decoration:none;font-weight:900;font-size:13.5px}
.brand-card span{display:grid;place-items:center;width:38px;height:38px;margin:0 auto 7px;border-radius:11px;background:var(--sky);color:var(--blue);font-size:12px}
.offer-box{background:#f4f8fb;border:1px solid #dfe8ef;border-radius:14px;padding:16px 18px;margin:20px 0}
.offer-box h2{font-size:19px;margin-top:0}
.offer-box ul{margin:0;padding-inline-start:20px}
.offer-box li{margin:7px 0;font-size:14.5px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:15px 18px;margin-bottom:10px}
.faq summary{font-weight:900;cursor:pointer;color:#0d2b43}
.faq p{color:var(--muted);margin:10px 0 0}
.cta{background:linear-gradient(135deg,#0d2b43,var(--blue));color:#fff;border-radius:26px;padding:38px;display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap}
.page-hero{background:linear-gradient(135deg,#fff,#eef7ff);padding:44px 0;border-bottom:1px solid var(--line)}
.page-hero p{color:var(--muted);max-width:740px;margin:0}
.breadcrumb{font-size:13px;color:var(--muted);margin-bottom:10px}
.breadcrumb a{color:var(--blue);text-decoration:none}
.content{padding:50px 0}
.content-grid{display:grid;grid-template-columns:1fr 320px;gap:26px}
.panel{background:#fff;border:1px solid var(--line);border-radius:19px;padding:25px;box-shadow:0 10px 28px rgba(20,55,80,.04)}
.panel-img{width:100%;height:300px;object-fit:cover;border-radius:14px;margin-bottom:18px}
.panel h2{color:#0d2b43;font-size:21px}
.side{background:linear-gradient(145deg,#0d2b43,var(--blue));color:#fff;border-radius:19px;padding:23px;height:max-content;position:sticky;top:100px}
.side h2{font-size:20px;margin-top:0}
.side .btn{width:100%;margin-top:11px}
.facts{display:grid;gap:9px}
.fact{background:#f0f7fb;border-radius:10px;padding:12px 13px;font-size:14px}
.fact b{display:inline-block;min-width:160px;color:#0d2b43}
.footer{background:#0d2b43;color:#c9dbe7;margin-top:50px;padding-top:44px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px}
.footer h3{color:#fff;font-size:17px}
.footer a{display:block;text-decoration:none;margin:7px 0;font-size:14px}
.legal{background:#123a59;border:1px solid #2b506b;border-radius:15px;padding:18px}
.legal a{color:#fff;font-weight:700}
.copy{border-top:1px solid rgba(255,255,255,.12);padding:14px 0;margin-top:28px;font-size:13px;text-align:center}
.float{position:fixed;left:18px;bottom:18px;width:56px;height:56px;border-radius:50%;background:var(--orange);color:#fff;text-decoration:none;display:grid;place-items:center;font-weight:900;z-index:60;box-shadow:0 12px 26px rgba(244,123,32,.4)}
.legal-meta{display:flex;gap:18px;flex-wrap:wrap;color:var(--muted);font-size:13px;margin-bottom:18px;border-bottom:1px solid var(--line);padding-bottom:16px}
.legal-meta b{color:#0d2b43}
.legal-toc{background:#f3f8fb;border:1px solid var(--line);border-radius:14px;padding:18px 20px;margin-bottom:26px}
.legal-toc h2{font-size:16px;margin:0 0 10px;color:#0d2b43}
.legal-toc ol{margin:0;padding-inline-start:20px;columns:2;column-gap:24px}
.legal-toc li{margin:6px 0;font-size:13.5px}
.legal-toc a{color:var(--blue);text-decoration:none}
.legal-doc h2{font-size:20px;color:#0d2b43;margin:28px 0 10px;padding-top:8px;border-top:1px solid var(--line)}
.legal-doc h2:first-of-type{border-top:0;padding-top:0;margin-top:0}
.legal-doc h3{font-size:16.5px;color:#123a59;margin:16px 0 6px}
.legal-doc p{margin:8px 0}
.legal-doc ul,.legal-doc ol{padding-inline-start:22px;margin:8px 0}
.legal-doc li{margin:6px 0}
.legal-callout{background:#fff5eb;border-right:5px solid var(--orange);border-radius:12px;padding:14px 17px;margin:14px 0;font-size:14px;color:#66390f}
.legal-callout.blue{background:#eaf5ff;border-right-color:var(--blue);color:#123a59}
.legal-table{width:100%;border-collapse:collapse;margin:14px 0;font-size:13.5px}
.legal-table th,.legal-table td{border:1px solid var(--line);padding:9px 11px;text-align:right;vertical-align:top}
.legal-table th{background:#f0f7fb;color:#0d2b43}
@media(max-width:620px){.legal-toc ol{columns:1}}
@media(max-width:950px){
 nav{display:none;position:absolute;top:82px;right:4%;left:4%;background:#fff;padding:16px;border:1px solid var(--line);border-radius:14px;flex-direction:column;box-shadow:var(--shadow)}
 nav.open{display:flex}
 .menu{display:block;margin-inline-start:auto}
 .navrow>.btn{display:none}
 .hero-grid{grid-template-columns:1fr}
 .cards{grid-template-columns:repeat(2,1fr)}
 .brands{grid-template-columns:repeat(4,1fr)}
 .content-grid{grid-template-columns:1fr}
 .side{position:static}
}
@media(max-width:620px){
 .topbar span:last-child{display:none}
 .hero{padding:42px 0}
 .benefit-grid,.steps{grid-template-columns:1fr 1fr}
 .benefit{padding:14px}
 .cards,.brands{grid-template-columns:1fr 1fr}
 .section{padding:46px 0}
 .section-head,.cta{align-items:flex-start;flex-direction:column}
 .footer-grid{grid-template-columns:1fr}
 .card img{height:125px}
 .panel-img{height:200px}
 .fact b{display:block}
 .hero-img{aspect-ratio:1/1}
}