:root{--navy:#03142c;--navy2:#0c2440;--blue:#37b8eb;--ice:#b4e4f6;--paper:#f5f5f0;--ink:#10243a;--muted:#56677a;--line:#cfdae2;--silver:#dae2eb}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:98px}body{margin:0;font:16px/1.65 Arial,Helvetica,sans-serif;color:var(--ink);background:var(--paper)}a{color:inherit;text-decoration:none}button,input,textarea,select{font:inherit}a,button,input,select,textarea,summary{touch-action:manipulation}button,a{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid #138abe;outline-offset:5px}.wrap{width:min(1190px,88%);margin:auto}.topbar{background:var(--navy);color:white;border-bottom:1px solid #ffffff22;position:relative;z-index:5}.header{min-height:100px;display:flex;align-items:center;justify-content:space-between;gap:25px}.brand{display:flex;align-items:center;gap:13px}.brand img{width:88px;height:88px;object-fit:contain}.brand strong{font-size:14px;letter-spacing:2px;display:block}.brand small{font-size:9px;letter-spacing:3.4px;display:block;color:#bdcddd}.nav{display:flex;align-items:center;gap:22px;font-size:12px}.nav a:hover{color:var(--ice)}.lang{border:1px solid #7890a5;border-radius:30px;padding:8px 13px;white-space:nowrap}.menu{display:none;background:none;border:1px solid #7890a5;color:white;padding:7px 12px;border-radius:4px}.eyebrow{font-size:10px;letter-spacing:2.7px;font-weight:700;text-transform:uppercase;color:#297ca1;margin-bottom:22px}.dark .eyebrow{color:var(--ice)}h1,h2,h3,p{margin-top:0}h1,h2,h3{font-family:Georgia,'Times New Roman',serif;font-weight:400}h1{font-size:clamp(44px,5vw,71px);line-height:1.08;letter-spacing:-2px;margin-bottom:26px}h1 em{color:var(--ice);font-weight:400}h2{font-size:clamp(35px,3.5vw,49px);line-height:1.15;letter-spacing:-1.2px;margin-bottom:23px}h3{font-size:29px;line-height:1.2}p{color:var(--muted)}.dark{background:var(--navy);color:white}.dark p{color:#bdcddd}.hero{overflow:hidden;position:relative;background:radial-gradient(ellipse at 90% 30%,#234365,transparent 60%),var(--navy)}.hero:before{content:'';position:absolute;width:600px;height:600px;border:1px solid #77d7ff16;transform:rotate(35deg);left:-500px;top:40px;pointer-events:none}.hero-grid{display:grid;grid-template-columns:1.17fr 1fr;gap:7%;align-items:center;padding:70px 0 75px}.hero-copy{padding:20px 0}.hero-copy>p{max-width:550px;font-size:17px}.actions{display:flex;flex-wrap:wrap;gap:12px;margin:30px 0 20px}.btn{display:inline-flex;justify-content:center;align-items:center;gap:22px;cursor:pointer;border:1px solid transparent;border-radius:3px;padding:14px 20px;background:var(--ink);color:white;font-size:13px;font-weight:bold;transition:background .18s,transform .18s}.btn:hover{transform:translateY(-2px);background:#184368}.btn:disabled{opacity:.6;cursor:wait}.btn.primary{background:var(--ice);color:var(--navy)}.btn.primary:hover{background:white}.btn.outline{background:transparent;border-color:#b5c8d066;color:inherit}.btn.light{background:white;color:var(--ink)}.underlink{font-size:13px;text-decoration:underline;text-underline-offset:5px}.fine{font-size:12px;line-height:1.7}.hero-visual{position:relative;max-width:470px;margin-left:auto;width:100%;padding:0 20px 35px 0}.portrait-frame{height:500px;overflow:hidden;border-radius:160px 160px 5px 5px;border:1px solid #8fc3e757;background:#3d454e;box-shadow:25px 22px 0 #122f4d}.portrait-frame img{width:100%;height:100%;object-fit:cover;object-position:center 20%}.portrait-label{position:absolute;left:-20px;right:0;bottom:0;background:#e7eef1;color:var(--ink);padding:19px 23px;display:flex;align-items:center;gap:18px;box-shadow:0 10px 20px #0002}.portrait-label img{width:60px;height:60px}.portrait-label strong{display:block;font:23px Georgia}.portrait-label span{font-size:10px;letter-spacing:1px}.ribbon{border-top:1px solid #ffffff25;display:flex;justify-content:space-between;gap:20px;padding:22px 0;font-size:11px;color:#ccdae6;letter-spacing:.4px}.ribbon span:before{content:'✦';color:var(--blue);margin-right:12px}.section{padding:90px 0}.section-head{display:flex;justify-content:space-between;align-items:end;gap:40px;margin-bottom:42px}.section-head h2{margin-bottom:0}.section-head p{max-width:370px;margin:0}.services-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px}.service{border:1px solid var(--line);padding:36px;background:#fff;position:relative}.service:nth-child(2){background:#eaf1f5}.service .num{font-size:12px;letter-spacing:2px;color:#387e9c;display:block;margin-bottom:25px}.service h3{max-width:360px}.service ul{list-style:none;padding:0;margin:22px 0}.service li{font-size:14px;padding:11px 0;border-bottom:1px solid var(--line)}.service li:before{content:'↗';margin-right:12px;color:#287da1}.deliver{border-left:2px solid #2b94bf;padding-left:16px;font-size:13px;margin:28px 0}.about{background:#e2e9ed}.about-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:10%;align-items:center}.brand-art{position:relative}.brand-art>img{display:block;width:100%;max-width:430px;box-shadow:18px 18px 0 #bdccd6}.brand-art .caption{font-size:11px;letter-spacing:2px;margin-top:33px}.ticks{padding:0;list-style:none;margin:25px 0}.ticks li{margin:12px 0;font-size:14px}.ticks li:before{content:'✓';color:#1681ae;margin-right:13px}.route{background:white}.route-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:8%}.question{border:0;margin:0 0 25px;padding:0}.question legend{font-weight:bold;font-size:14px;margin-bottom:12px}.choices{display:flex;gap:9px;flex-wrap:wrap}.choice{border:1px solid var(--line);border-radius:4px;padding:10px 13px;font-size:13px;cursor:pointer;display:flex;align-items:center;gap:8px}.choice:has(input:checked){background:#e2f2fa;border-color:#1889b8}.choice input{accent-color:#187ca6}.route-result{background:#eaf2f6;padding:25px;margin-top:22px;border-left:3px solid #1681ae}.route-result h3{font-size:25px}.route-result[hidden]{display:none}.score-section{background:#edf0ed}.score-grid{display:grid;grid-template-columns:1fr 1fr;gap:9%;align-items:center}.score-panel{border:1px solid #c5d2dc;background:#fff;padding:32px}.score-value{font:77px/1 Georgia;color:var(--ink)}.score-name{font-size:15px;color:#237da4}.score-panel input{width:100%;accent-color:#167eab;margin:25px 0}.score-band{display:grid;grid-template-columns:repeat(5,1fr);gap:4px;margin-bottom:20px}.score-band span{height:5px;background:var(--tone)}.score-labels{display:flex;justify-content:space-between;font-size:11px;color:var(--muted)}.score-tip{font-size:14px;margin:23px 0 0;min-height:70px}.offer-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:10%;align-items:center}.offer-number{font:150px/1 Georgia;color:var(--ice);letter-spacing:-10px}.offer-number small{font-size:65px}.offer-period{font-size:12px;letter-spacing:2px;margin-top:12px;color:var(--silver)}.offer-list{margin:30px 0}.offer-list div{padding:16px 0;border-top:1px solid #ffffff25}.offer-list strong{display:block;color:#e8f7ff;font-size:14px}.offer-list p{font-size:13px;margin:5px 0}.cards-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;margin:35px 0}.bank img{width:100%;height:auto;aspect-ratio:1.586;object-fit:contain;filter:drop-shadow(0 9px 7px #001c3420)}.bank strong{font-size:13px;display:block;margin:18px 0 6px}.bank a{font-size:12px;text-decoration:underline}.process-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:40px}.step{border-top:1px solid #aabecb;padding-top:24px}.step .num{font-size:12px;color:#277e9f}.step h3{font-size:27px;margin:20px 0 15px}.step p{font-size:14px}.example{margin-top:50px;border:1px solid var(--line);padding:30px;background:#fff}.example h3{font-size:26px}.example-row{display:grid;grid-template-columns:repeat(3,1fr);gap:25px}.example-row strong{font-size:13px}.example-row p{font-size:13px;margin:7px 0 0}.guide-section{background:#e2e9ed}.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.guide-card{border-top:2px solid #3c7894;padding:25px 0 0;display:flex;flex-direction:column}.guide-card .index{font-size:11px;color:#487087}.guide-card h3{font-size:25px;margin:18px 0}.guide-card p{font-size:14px}.guide-card a{margin-top:auto}.faq-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:8%}details{border-bottom:1px solid var(--line);padding:20px 0}summary{cursor:pointer;list-style:none;padding-right:25px;font-size:14px;position:relative}summary:after{content:'+';position:absolute;right:0;color:#1681ae;font-size:20px}details[open] summary:after{content:'−'}details p{font-size:14px;margin:15px 0 0}.contact-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:8%}.contact-links{display:grid;gap:12px;margin:30px 0;font-size:15px}.contact-links a{text-decoration:underline;text-underline-offset:4px;overflow-wrap:anywhere}.lead-form{background:#fff;color:var(--ink);padding:33px;border-radius:4px}.lead-form h3{font-size:27px;margin-bottom:10px}.lead-form p{color:var(--muted)}.field{margin-top:18px}.field label{display:block;font-size:13px;font-weight:bold;margin-bottom:6px}.field input,.field select,.field textarea{width:100%;padding:12px;border:1px solid #afc0cd;background:white;border-radius:3px;color:var(--ink)}.field textarea{resize:vertical;min-height:85px}.consent{display:flex;gap:10px;font-size:11px;line-height:1.65;margin:22px 0}.consent input{margin-top:4px;accent-color:#167fab}.consent a{text-decoration:underline}.hp{position:absolute;left:-10000px;opacity:0}.form-status{margin-top:20px;font-size:14px;overflow-wrap:anywhere}.form-status:empty{display:none}.form-status.success{background:#e5f2ed;padding:16px}.form-status.error{background:#fff0ed;padding:16px}.form-status h3{font-size:22px}.footer{background:#021022;color:#b5c7d8;padding:40px 0 85px}.footer-top{display:flex;justify-content:space-between;gap:25px;align-items:center}.footer-links{display:flex;gap:20px;font-size:12px}.footer p{color:#a4bbce}.legal{font-size:11px;line-height:1.8;margin:28px 0 0;padding-top:22px;border-top:1px solid #ffffff20}.floating{position:fixed;bottom:20px;right:22px;z-index:8;display:flex;gap:9px;background:#d2edf9;border:1px solid #7ca4ba;color:#052a40;padding:12px 18px;border-radius:40px;box-shadow:0 5px 20px #0003;font-size:13px;font-weight:bold}.floating svg{width:20px;height:20px}.subhero{padding:65px 0;background:var(--navy);color:white}.subhero h1{max-width:850px;font-size:clamp(40px,5vw,65px)}.subhero p{color:#bdcddd;max-width:700px}.breadcrumb{font-size:12px;margin-bottom:25px;color:#b4d9ee}.article{max-width:790px;margin:auto;padding:65px 0}.article h2{font-size:30px;letter-spacing:-.5px;margin-top:35px}.article .sources{padding:25px;background:#e5edf1;margin-top:40px;font-size:13px}.article .sources a{display:block;text-decoration:underline;margin:8px 0}.article .btn{margin-top:30px}.related{border-top:1px solid var(--line);padding-top:35px}.skip{position:absolute;top:-100px;left:10px;z-index:20;background:white;padding:10px;color:var(--ink)}.skip:focus{top:10px}.admin{padding:50px 5%}.admin table{border-collapse:collapse;width:100%;font-size:13px}.admin td,.admin th{border-bottom:1px solid #ccd;padding:12px;text-align:left;vertical-align:top}.admin td{overflow-wrap:anywhere;max-width:250px}.admin pre{white-space:pre-wrap}.stats{display:flex;gap:20px;flex-wrap:wrap}.stat{background:white;padding:20px;min-width:150px}.stat strong{display:block;font-size:35px} @media(max-width:900px){.nav{gap:14px}.nav a:not(.lang){display:none}.menu{display:block}.nav.open{position:absolute;top:100px;left:0;right:0;background:var(--navy);padding:20px 6%;display:flex;flex-wrap:wrap;border-top:1px solid #ffffff22}.nav.open a{display:block}.hero-grid{gap:5%}.hero-visual{padding-right:10px}.portrait-frame{height:440px}.portrait-label{left:-8px;padding:15px}.portrait-label strong{font-size:20px}.guide-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:650px){.wrap{width:88%}.header{min-height:84px;gap:12px}.brand img{width:65px;height:65px}.brand strong{font-size:11px;letter-spacing:1.6px}.brand small{font-size:8px;letter-spacing:2.2px}.nav{gap:10px}.lang{padding:7px 10px}.menu{font-size:12px}.nav.open{top:84px}.hero-grid{grid-template-columns:1fr;padding:35px 0 45px;gap:35px}.hero-copy{padding:10px 0}h1{font-size:45px;letter-spacing:-1.7px}.hero-copy>p{font-size:16px}.hero-visual{max-width:420px;margin:0 auto;padding:0 15px 30px}.portrait-frame{height:440px}.portrait-label{left:0;right:0}.ribbon{flex-direction:column;gap:10px;font-size:10px;padding:20px 0}.section{padding:60px 0}.section-head{display:block}.section-head p{margin-top:20px}.services-grid,.about-grid,.route-grid,.score-grid,.offer-grid,.process-grid,.faq-grid,.contact-grid{grid-template-columns:1fr;gap:32px}.service{padding:26px}.about-grid{gap:45px}.brand-art{max-width:350px;margin:auto}.score-panel{padding:25px}.offer-number{font-size:125px}.offer-grid{gap:35px}.cards-grid{grid-template-columns:1fr;max-width:310px;margin:35px auto;gap:35px}.example-row{grid-template-columns:1fr;gap:20px}.example{padding:23px}.guide-grid{grid-template-columns:1fr;gap:30px}.lead-form{padding:24px}.contact-grid{gap:35px}.footer-top{display:block}.footer-links{flex-wrap:wrap;margin-top:20px}.floating{bottom:14px;right:14px;font-size:12px;padding:11px 15px}.article{padding:40px 0}.article h2{font-size:28px}.actions .btn{flex:1 1 100%}.eyebrow{font-size:9px;letter-spacing:2px}.subhero{padding:45px 0}.offer-number small{font-size:55px}.score-tip{min-height:0}.admin{overflow-x:auto}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

.arrow{width:14px;height:14px;vertical-align:middle;flex-shrink:0}
