:root{--navy:#0f2f50;--blue:#1b527f;--gold:#c58b20;--ink:#182432;--muted:#667587;--bg:#f5f8fb;--white:#fff;--line:#dfe6ed;--soft:#edf3f8;--dark:#091e31}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Segoe UI,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65}a{text-decoration:none;color:inherit}.container{width:min(1180px,92%);margin:auto}.topbar{background:var(--navy);color:#dce9f4;font-size:12px}.topbar .container{display:flex;justify-content:space-between;gap:15px;padding:7px 0}.site-header{position:sticky;top:0;z-index:1000;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}.nav{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:25px}.brand{font-weight:900;font-size:25px;color:var(--navy);white-space:nowrap}.brand span{color:var(--gold)}.menu{display:flex;align-items:center;gap:20px;list-style:none;padding:0;margin:0;font-size:13px;font-weight:800}.menu a:hover{color:var(--gold)}.nav-cta{background:var(--navy);color:#fff!important;padding:10px 15px;border-radius:7px}.mobile-toggle{display:none;border:1px solid var(--line);background:#fff;border-radius:7px;padding:8px 11px;font-size:19px}.mobile-nav{display:none;padding:0 0 15px}.mobile-nav a{display:block;padding:9px 0;font-weight:700;border-top:1px solid var(--line)}.hero{background:linear-gradient(120deg,var(--navy),#1c557f);color:#fff;padding:88px 0}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:60px;align-items:center}.eyebrow{font-size:12px;text-transform:uppercase;letter-spacing:2px;font-weight:900;color:var(--gold);margin-bottom:10px}.hero .eyebrow{color:#e7bf67}.hero h1{font-size:clamp(39px,5vw,62px);line-height:1.06;margin:0 0 20px;letter-spacing:-1px}.hero h1 span{color:#e7bf67}.hero p{font-size:18px;color:#e3edf6;max-width:720px;margin:0 0 28px}.buttons{display:flex;gap:11px;flex-wrap:wrap}.btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 19px;border-radius:7px;font-weight:800;border:1px solid transparent;cursor:pointer}.btn-primary{background:var(--gold);color:#fff}.btn-primary:hover{background:#a87513}.btn-light{background:#fff;color:var(--navy)}.btn-outline{border-color:#b9d1e5;color:#fff}.btn-outline:hover{background:#fff;color:var(--navy)}.hero-card{background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.2);border-radius:15px;padding:28px}.hero-card h3{margin:0 0 15px;font-size:21px}.hero-card ul{list-style:none;margin:0;padding:0}.hero-card li{padding:9px 0;border-bottom:1px solid rgba(255,255,255,.13)}.hero-card li:last-child{border:0}.hero-card li:before{content:'✓';color:#e7bf67;font-weight:900;margin-right:9px}.strip{background:#fff;border-bottom:1px solid var(--line)}.strip-grid{display:grid;grid-template-columns:repeat(4,1fr)}.strip-item{text-align:center;padding:18px;border-right:1px solid var(--line)}.strip-item:last-child{border:0}.strip-item strong{display:block;color:var(--navy);font-size:14px}.strip-item span{font-size:11px;color:var(--muted)}section{padding:75px 0}.section-heading{text-align:center;max-width:800px;margin:0 auto 40px}.section-heading h2{font-size:36px;line-height:1.2;color:var(--navy);margin:0 0 12px}.section-heading p{color:var(--muted);margin:0}.about{background:#fff}.two-col{display:grid;grid-template-columns:1.05fr .95fr;gap:55px;align-items:center}.two-col h2{font-size:38px;line-height:1.2;color:var(--navy);margin:0 0 15px}.two-col p{color:var(--muted)}.check-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;padding:0;margin:22px 0 0;list-style:none}.check-grid li{background:var(--bg);border:1px solid var(--line);padding:11px 13px;border-radius:8px;font-size:13px;font-weight:700}.check-grid li:before{content:'✓';color:var(--gold);margin-right:8px}.profile{background:linear-gradient(145deg,#eef4f9,#fff);border:1px solid var(--line);border-radius:15px;padding:31px}.profile h3{font-size:28px;color:var(--navy);margin:5px 0}.profile .role{font-size:12px;color:var(--gold);font-weight:900;text-transform:uppercase;letter-spacing:1.4px}.profile-points{display:grid;gap:10px;margin-top:20px}.profile-points div{font-size:13px;color:var(--muted)}.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:17px}.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:23px;transition:.2s}.card:hover{transform:translateY(-3px);box-shadow:0 13px 32px rgba(20,50,80,.08)}.card .icon{width:45px;height:45px;border-radius:10px;background:var(--soft);display:grid;place-items:center;font-size:21px;margin-bottom:15px}.card h3{color:var(--navy);font-size:17px;margin:0 0 8px}.card p{font-size:13px;color:var(--muted);margin:0}.link{display:inline-block;color:var(--blue);font-weight:800;font-size:12px;margin-top:13px}.link:hover{color:var(--gold)}.light{background:var(--bg)}.white{background:#fff}.three-col{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.topic{background:#fff;border:1px solid var(--line);border-radius:12px;padding:25px}.topic h3{color:var(--navy);margin:0 0 8px}.topic p{color:var(--muted);font-size:13px;margin:0}.tags{display:flex;flex-wrap:wrap;gap:6px;margin-top:13px}.tag{font-size:11px;font-weight:800;color:var(--blue);background:var(--soft);padding:5px 9px;border-radius:20px}.six-col{display:grid;grid-template-columns:repeat(6,1fr);gap:11px}.aud{background:#fff;border:1px solid var(--line);border-radius:10px;padding:19px 9px;text-align:center}.aud div{font-size:24px;margin-bottom:6px}.aud strong{font-size:11px;color:var(--navy)}.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:17px}.why-card{text-align:center;background:#fff;border:1px solid var(--line);border-radius:12px;padding:25px 17px}.why-card .n{font-size:29px;color:var(--gold);font-weight:900}.why-card h3{color:var(--navy);font-size:16px;margin:5px 0}.why-card p{font-size:12px;color:var(--muted);margin:0}.faq-list{max-width:860px;margin:auto;display:grid;gap:10px}details{background:#fff;border:1px solid var(--line);border-radius:9px;padding:16px 18px}summary{cursor:pointer;font-weight:800;color:var(--navy)}details p{color:var(--muted);font-size:13px;padding-top:10px;margin:0}.cta{background:var(--navy);color:#fff;text-align:center;padding:62px 0}.cta h2{font-size:36px;margin:0 0 8px}.cta p{color:#d9e6f1;max-width:720px;margin:0 auto 22px}.contact{background:var(--bg)}.contact-grid{display:grid;grid-template-columns:.72fr 1.28fr;gap:25px}.contact-card,.form-card{background:#fff;border:1px solid var(--line);border-radius:13px;padding:28px}.contact-card h3,.form-card h3{color:var(--navy);margin:0 0 10px}.person{font-size:23px;font-weight:900;color:var(--navy)}.phone{display:inline-block;font-size:20px;font-weight:900;color:var(--gold);margin:4px 0 14px}.contact-card p{font-size:13px;color:var(--muted)}.contact-actions{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}.query-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.field{display:flex;flex-direction:column;gap:6px}.field.full{grid-column:1/-1}.field label{font-size:12px;font-weight:800;color:#26384b}.field input,.field textarea,.field select{border:1px solid #ccd6e0;border-radius:7px;padding:11px 12px;font:inherit;width:100%;background:#fff}.field textarea{min-height:125px;resize:vertical}.field input:focus,.field textarea:focus,.field select:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(27,82,127,.1)}.form-note{font-size:11px;color:var(--muted);margin-top:8px}.submit{border:0}.page-hero{background:linear-gradient(120deg,var(--navy),#1c557f);color:#fff;text-align:center;padding:65px 0}.page-hero h1{font-size:44px;margin:0 0 10px}.page-hero p{max-width:760px;margin:auto;color:#dce8f3}.content{background:#fff}.content h2{color:var(--navy);font-size:29px}.content h3{color:var(--navy)}.content p,.content li{color:var(--muted)}.notice{background:#fff8e8;border:1px solid #edd9a6;border-radius:9px;padding:15px;font-size:13px}.rate-wrap{overflow-x:auto;background:#fff;border:1px solid var(--line);border-radius:12px;padding:15px}table{width:100%;border-collapse:collapse;min-width:850px}th,td{border:1px solid #d7e0e8;padding:13px 11px;text-align:center}thead th{background:var(--navy);color:#fff}td:first-child,th:first-child{text-align:left;font-weight:800}tbody tr:nth-child(even){background:#fafbfd}.association-cards{display:grid;grid-template-columns:1fr 1fr;gap:22px}.assoc-card{background:#fff;border:1px solid var(--line);border-radius:13px;padding:29px}.assoc-card h2{color:var(--navy);margin-top:0}.modal{display:none;position:fixed;inset:0;background:rgba(6,24,41,.82);z-index:3000;padding:20px;overflow:auto}.modal.open{display:flex;align-items:center;justify-content:center}.modal-box{background:#fff;border-radius:14px;width:min(850px,96vw);max-height:94vh;overflow:auto;padding:30px;position:relative}.close{position:absolute;right:14px;top:12px;width:37px;height:37px;border:0;border-radius:50%;background:var(--navy);color:#fff;font-size:21px;cursor:pointer}.modal-box h2{text-align:center;color:var(--navy);margin:0 45px 5px}.modal-intro{text-align:center;color:var(--muted);font-size:13px;margin-bottom:23px}.payment{text-align:center;border-top:1px solid var(--line);margin-top:25px;padding-top:22px}.payment h3{color:var(--navy);margin:0 0 5px}.qr{width:min(330px,80vw);height:auto;display:block;margin:12px auto}.footer{background:var(--dark);color:#aebdca;padding:45px 0 18px}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px}.footer h3,.footer h4{color:#fff;margin:0 0 10px}.footer p,.footer li{font-size:12px}.footer ul{list-style:none;padding:0;margin:0;display:grid;gap:6px}.copyright{border-top:1px solid rgba(255,255,255,.1);margin-top:25px;padding-top:15px;font-size:11px;text-align:center}@media(max-width:900px){.menu{display:none}.mobile-toggle{display:block}.hero-grid,.two-col,.contact-grid{grid-template-columns:1fr}.cards{grid-template-columns:repeat(2,1fr)}.three-col{grid-template-columns:1fr 1fr}.why-grid{grid-template-columns:1fr 1fr}.six-col{grid-template-columns:repeat(3,1fr)}.footer-grid{grid-template-columns:1fr 1fr}.strip-grid{grid-template-columns:1fr 1fr}.strip-item:nth-child(2){border-right:0}.strip-item{border-bottom:1px solid var(--line)}}@media(max-width:600px){section{padding:55px 0}.topbar .container{display:block;text-align:center}.brand{font-size:21px}.hero{padding:60px 0}.hero h1{font-size:39px}.hero p{font-size:16px}.cards,.three-col,.why-grid,.association-cards{grid-template-columns:1fr}.check-grid,.query-grid{grid-template-columns:1fr}.field.full{grid-column:auto}.six-col{grid-template-columns:1fr 1fr}.page-hero h1{font-size:34px}.footer-grid{grid-template-columns:1fr}.modal-box{padding:24px 17px}}

.tool-wrap{max-width:1050px;margin:auto}.calc-card{background:#fff;border:1px solid #e1e7ee;border-radius:14px;padding:28px;box-shadow:0 10px 28px rgba(20,50,80,.06);margin-bottom:22px}.calc-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:15px}.calc-grid .full{grid-column:1/-1}.calc-card h3{color:#102f52;margin-bottom:8px}.calc-card p{color:#667487;font-size:13px}.calc-card label{display:block;font-weight:800;font-size:13px;color:#26384b;margin-bottom:6px}.calc-card input,.calc-card select{width:100%;padding:11px;border:1px solid #ccd6e0;border-radius:7px;font:inherit}.result{margin-top:20px;background:#f0f5f9;border:1px solid #d9e3eb;border-radius:10px;padding:18px}.result table{width:100%;border-collapse:collapse}.result td{padding:9px;border-bottom:1px solid #dce4eb}.result td:last-child{text-align:right;font-weight:800}.legal-note{margin-top:18px;font-size:11px;color:#667487;background:#fafbfc;border-left:3px solid #c58a1d;padding:12px}.source-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.source-card{background:#fff;border:1px solid #e1e7ee;border-radius:12px;padding:22px}.source-card h3{color:#102f52;margin-bottom:7px}.source-card p{font-size:12px;color:#667487;min-height:52px}.update-list{display:grid;gap:14px;max-width:1000px;margin:auto}.update-card{background:#fff;border:1px solid #e1e7ee;border-radius:12px;padding:20px}.update-meta{font-size:11px;color:#c58a1d;font-weight:800;text-transform:uppercase;letter-spacing:.8px}.update-card h3{color:#102f52;margin:6px 0}.update-card p{font-size:13px;color:#667487}.badge{display:inline-block;background:#edf3f8;color:#174a78;border-radius:15px;padding:4px 9px;font-size:10px;font-weight:800;margin:4px 4px 0 0}@media(max-width:800px){.calc-grid,.source-grid{grid-template-columns:1fr}.calc-grid .full{grid-column:auto}}
