:root{--ink:#071a33;--navy:#0b2748;--navy2:#10375e;--blue:#1689d8;--sky:#dff2ff;--orange:#f28c28;--orange2:#ffb15c;--cream:#fbfaf6;--white:#fff;--text:#24384d;--muted:#617286;--line:#dce5ec;--shadow:0 18px 50px rgba(7,26,51,.13);--radius:22px;--max:1120px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:90px}body{margin:0;background:var(--cream);color:var(--text);font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;line-height:1.68}a{color:var(--blue)}img{max-width:100%;display:block}.wrap{width:min(var(--max),calc(100% - 40px));margin:auto}.skip{position:absolute;left:-9999px}.skip:focus{left:15px;top:15px;background:#fff;padding:10px;z-index:99}.eyebrow{color:var(--orange);font-size:.79rem;font-weight:900;letter-spacing:.14em;text-transform:uppercase}
header{position:sticky;top:0;z-index:20;background:rgba(7,26,51,.97);border-bottom:1px solid rgba(255,255,255,.12)}.nav{min-height:78px;display:flex;justify-content:space-between;align-items:center;gap:22px}.brand{display:flex;align-items:center;gap:12px;color:#fff;text-decoration:none;font-weight:900;line-height:1.05}.brand img{width:54px;height:54px;object-fit:contain}.brand small{display:block;color:var(--orange2);font-size:.67rem;letter-spacing:.12em;margin-top:5px}.navlinks{display:flex;align-items:center;gap:18px}.navlinks>a:not(.button){color:#d9e8f4;text-decoration:none;font-size:.86rem;font-weight:750}.button{display:inline-flex;align-items:center;justify-content:center;padding:12px 19px;border-radius:999px;background:var(--orange);border:2px solid var(--orange);color:#111b25;text-decoration:none;font-weight:900;transition:.2s}.button:hover{transform:translateY(-2px);background:var(--orange2)}.button.outline{background:transparent;color:#fff;border-color:#7bc8fa}
.hero{background:radial-gradient(circle at 82% 20%,rgba(22,137,216,.38),transparent 34%),linear-gradient(135deg,var(--ink),var(--navy2));color:#fff;padding:82px 0}.hero h1{font-size:clamp(2.6rem,5.5vw,5rem);line-height:.98;letter-spacing:-.05em;margin:13px 0 20px;max-width:900px}.hero h1 span{color:var(--orange2)}.hero .lead{font-size:clamp(1.05rem,2vw,1.25rem);color:#d7e8f6;max-width:800px}.meta{display:flex;flex-wrap:wrap;gap:16px;margin-top:24px;color:#bcd1e2;font-size:.82rem}.meta strong{color:#fff}.actions{display:flex;flex-wrap:wrap;gap:11px;margin-top:26px}
main section{padding:76px 0}.layout{display:grid;grid-template-columns:250px 1fr;gap:54px;align-items:start}.toc{position:sticky;top:105px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px}.toc strong{display:block;color:var(--navy);margin-bottom:10px}.toc a{display:block;color:var(--muted);text-decoration:none;padding:6px 0;font-size:.88rem}.toc a:hover{color:var(--blue)}.content h2{font-size:clamp(1.9rem,3vw,2.75rem);line-height:1.08;color:var(--ink);letter-spacing:-.03em;margin:58px 0 15px}.content h2:first-child{margin-top:0}.content h3{color:var(--navy);font-size:1.28rem;margin:28px 0 8px}.content p,.content li{max-width:780px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:25px 0}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 9px 28px rgba(7,26,51,.06)}.card h3{margin:0 0 8px}.card p{margin:0;color:var(--muted)}.callout{background:#eaf6fd;border-left:5px solid var(--blue);padding:20px 22px;border-radius:0 14px 14px 0;margin:25px 0}.warning{background:#fff6e9;border-left-color:var(--orange)}.steps{counter-reset:steps;list-style:none;padding:0}.steps li{counter-increment:steps;position:relative;padding:0 0 25px 58px;min-height:52px}.steps li:before{content:counter(steps);position:absolute;left:0;top:0;display:grid;place-items:center;width:38px;height:38px;border-radius:12px;background:var(--orange);color:var(--ink);font-weight:900}.checks{list-style:none;padding:0}.checks li{position:relative;padding:8px 0 8px 30px;border-bottom:1px solid var(--line)}.checks li:before{content:"✓";position:absolute;left:0;color:var(--blue);font-weight:900}.compare{width:100%;border-collapse:collapse;background:#fff;margin:22px 0}.compare th,.compare td{padding:14px;text-align:left;vertical-align:top;border:1px solid var(--line)}.compare th{background:var(--navy);color:#fff}.faq details{background:#fff;border:1px solid var(--line);border-radius:13px;margin:10px 0;padding:0 20px}.faq summary{cursor:pointer;padding:18px 0;font-weight:850;color:var(--navy)}.faq p{color:var(--muted);margin-top:0}.author{display:grid;grid-template-columns:110px 1fr;gap:22px;background:var(--ink);color:#d9e7f2;padding:28px;border-radius:var(--radius);margin-top:55px}.author img{width:110px;height:135px;object-fit:cover;object-position:top;border-radius:14px}.author h2{color:#fff!important;margin:0 0 8px!important;font-size:1.6rem!important}.author p{margin:0}.author a{color:var(--orange2)}
.cta{background:linear-gradient(135deg,var(--orange),#ffc176);padding:58px 0}.cta-grid{display:flex;justify-content:space-between;align-items:center;gap:30px}.cta h2{color:var(--ink);font-size:clamp(2rem,4vw,3.2rem);line-height:1.05;margin:0 0 9px}.cta p{margin:0}.cta .button{background:var(--ink);border-color:var(--ink);color:#fff}
footer{background:#041326;color:#9eb2c4;padding:50px 0 28px;font-size:.82rem}.footer-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:45px}.footer-brand{color:#fff;font-size:1.15rem;font-weight:900}.footer-links,.legal-links{display:flex;gap:15px;flex-wrap:wrap;margin-top:13px}.footer-links a,.legal-links a{color:#d6e4ee}.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:28px;padding-top:22px}.legal strong{color:#fff}
@media(max-width:900px){.navlinks>a:not(.button){display:none}.layout{grid-template-columns:1fr}.toc{position:static}.grid{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr}.cta-grid{flex-direction:column;align-items:flex-start}}
@media(max-width:620px){.wrap{width:min(100% - 26px,var(--max))}.brand small{display:none}.nav .button{font-size:.76rem;padding:10px 12px}.hero{padding:60px 0}.hero h1{font-size:2.7rem}.grid,.author{grid-template-columns:1fr}.author img{width:100px}.compare{font-size:.8rem}.compare th,.compare td{padding:9px}}