:root{
  --navy:#0f224a; --navy-2:#16306b; --gold:#f7c531; --red:#e74c3c;
  --ink:#1c2230; --muted:#5b6473; --line:#e3e7ef; --bg:#f6f8fc; --white:#fff;
  --maxw:1120px;
}
*{box-sizing:border-box}
html,body{width:100%;overflow-x:hidden;margin:0;padding:0}
body{
  font-family:"Sora",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  color:var(--ink);background:var(--bg);line-height:1.62;font-size:17px;
}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
a{color:var(--navy-2)}
img{max-width:100%;height:auto;display:block}
h1,h2,h3{line-height:1.22;color:var(--navy);font-weight:700}
h1{font-size:2rem;margin:.2em 0 .5em}
h2{font-size:1.45rem;margin:1.6em 0 .5em}
h3{font-size:1.16rem;margin:1.3em 0 .4em}
p{margin:0 0 1em}
ul,ol{margin:0 0 1.2em;padding-left:1.3em}
li{margin:.3em 0}

/* Header */
.site-head{background:var(--navy);position:sticky;top:0;z-index:40}
.head-row{display:flex;align-items:center;flex-wrap:nowrap;min-height:60px;gap:14px}
.brand-logo{color:var(--gold);font-weight:700;font-size:1.22rem;text-decoration:none;white-space:nowrap}
.nav-main{display:flex;align-items:center;flex-wrap:nowrap;gap:0;margin-left:auto}
.nav-main a{color:#dfe6f5;text-decoration:none;padding:7px 7px;font-size:.85rem;border-radius:7px;white-space:nowrap}
.nav-main a:hover{background:rgba(255,255,255,.09);color:#fff}
.nav-main a.active{color:var(--gold)}
.nav-cta{background:var(--gold);color:var(--navy)!important;font-weight:700;margin-left:8px;padding:7px 12px!important}
.nav-cta:hover{background:#ffd84d}
.burger{display:none;margin-left:auto;background:transparent;border:0;cursor:pointer;width:42px;height:42px;flex-direction:column;justify-content:center;gap:5px}
.burger span{display:block;height:3px;width:24px;background:#fff;border-radius:2px;margin:0 auto}

/* Breadcrumb */
.crumbs{background:#eef2fb;border-bottom:1px solid var(--line);font-size:.86rem}
.crumbs .wrap{padding-top:9px;padding-bottom:9px}
.crumbs a{color:var(--navy-2);text-decoration:none}
.crumbs span[aria-current]{color:var(--muted)}

/* Main */
main{padding:26px 0 40px;display:block}
.hero{margin:0 0 1.2em;border-radius:14px;overflow:hidden;box-shadow:0 8px 24px rgba(15,34,74,.12)}
.hero img{width:100%;height:auto}
.lead{font-size:1.12rem;background:#fff;border-left:4px solid var(--gold);
  padding:14px 18px;border-radius:8px;box-shadow:0 2px 10px rgba(15,34,74,.06)}
.callout{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px;margin:1.4em 0}
.section-img{margin:1.4em 0;border-radius:12px;overflow:hidden}
figure{margin:0}

/* table */
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:1.2em 0;border:1px solid var(--line);border-radius:10px}
table{border-collapse:collapse;width:100%;min-width:480px;background:#fff}
th,td{padding:10px 12px;text-align:left;border-bottom:1px solid var(--line);font-size:.94rem}
th{background:var(--navy);color:#fff;font-weight:600}
tbody tr:nth-child(even){background:#f4f7fd}

/* tabs */
.tabs{margin:1.5em 0}
.tab-btns{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:10px}
.tab-btns button{border:1px solid var(--line);background:#fff;padding:8px 14px;border-radius:999px;cursor:pointer;font:inherit;font-size:.9rem}
.tab-btns button.active{background:var(--navy);color:#fff;border-color:var(--navy)}
.tabp{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px}
.tabp[hidden]{display:none}

/* calculator */
.calc{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px;margin:1.5em 0}
.calc label{display:block;font-size:.9rem;color:var(--muted);margin-bottom:4px}
.calc input{width:100%;padding:9px 11px;border:1px solid var(--line);border-radius:8px;font:inherit;margin-bottom:12px}
.calc .out{font-weight:700;color:var(--navy);font-size:1.1rem}
.calc-row{display:flex;gap:16px;flex-wrap:wrap}
.calc-row>div{flex:1;min-width:130px}

/* FAQ */
.faq{margin:2em 0}
.faq-item{background:#fff;border:1px solid var(--line);border-radius:10px;margin:.6em 0;overflow:hidden}
.faq-item summary{cursor:pointer;padding:13px 16px;font-weight:600;color:var(--navy);list-style:none}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";float:right;color:var(--gold);font-weight:700}
.faq-item[open] summary::after{content:"\2013"}
.faq-a{padding:0 16px 14px}

/* CTA */
.cta-final{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#eaf0fb;border-radius:16px;padding:26px 24px;margin:2em 0 1em;text-align:center}
.cta-final h2{color:#fff}
.cta-final p{color:#cdd8f0;max-width:640px;margin:0 auto 1.1em}
.btn-cta{display:inline-block;background:var(--gold);color:var(--navy);font-weight:700;text-decoration:none;padding:13px 30px;border-radius:999px;font-size:1.04rem}
.btn-cta:hover{background:#ffd84d}

/* Footer */
.site-foot{background:var(--navy);color:#c6d2ea;margin-top:30px;padding:30px 0 18px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:26px}
.foot-col a{display:block;color:#c6d2ea;text-decoration:none;padding:3px 0;font-size:.92rem}
.foot-col a:hover{color:#fff}
.foot-brand{color:var(--gold);font-size:1.15rem;margin:0 0 .5em}
.foot-h{color:#fff;font-size:1rem;margin:0 0 .5em}
.muted{color:#8ea0c4;font-size:.88rem}
.copy{border-top:1px solid rgba(255,255,255,.12);margin-top:18px;padding-top:14px;text-align:center}

/* back-to-top */
.to-top{position:fixed;right:16px;bottom:16px;width:46px;height:46px;border-radius:50%;border:0;background:var(--navy);color:#fff;font-size:1.2rem;cursor:pointer;opacity:0;pointer-events:none;transition:opacity .2s;z-index:30}
.to-top.show{opacity:.92;pointer-events:auto}

@media (max-width:1080px){
  .burger{display:flex}
  .nav-main{display:none;position:absolute;left:0;right:0;top:60px;background:var(--navy);
    flex-direction:column;align-items:stretch;padding:8px 16px 16px;gap:2px;border-top:1px solid rgba(255,255,255,.1)}
  .nav-main.open{display:flex}
  .nav-main a{padding:11px 8px;font-size:1rem}
  .nav-cta{margin:8px 0 0;text-align:center}
  .head-row{position:relative}
  .foot-grid{grid-template-columns:1fr;gap:18px}
}
@media (max-width:720px){
  body{font-size:16px}
  h1{font-size:1.6rem}
  h2{font-size:1.3rem}
  .wrap{padding:0 22px}
  .cta-final{padding:22px 18px}
}