:root{
  --ink:#102733; --muted:#526875; --brand:#0b7285; --brand2:#0f9fb3; --wash:#eef8fa;
  --line:#d7e6ea; --card:#ffffff; --warn:#fff7e6; --max:1180px;
}
*{box-sizing:border-box}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6}
a{color:#08778d;text-decoration:none} a:hover{text-decoration:underline}
.wrap{max-width:var(--max);margin:auto;padding:0 22px}
.top{background:#062f3b;color:#dff6fa;font-size:14px;padding:8px 0}
header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:10}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:72px}
.brand{font-weight:800;font-size:20px;color:#092e39;display:flex;gap:10px;align-items:center}
.drop{width:18px;height:24px;background:linear-gradient(160deg,var(--brand2),var(--brand));border-radius:60% 45% 60% 45%;transform:rotate(45deg)}
nav{display:flex;gap:18px;align-items:center;flex-wrap:wrap}
nav a{font-weight:650;color:#274651}
.btn{display:inline-block;background:var(--brand);color:white!important;padding:12px 18px;border-radius:9px;font-weight:800;text-decoration:none!important}
.btn.secondary{background:white;color:var(--brand)!important;border:1px solid var(--brand)}
.hero{background:linear-gradient(145deg,#eaf9fb,#f8fdfe);border-bottom:1px solid var(--line);padding:64px 0}
.hero-grid{display:grid;grid-template-columns:1.4fr .8fr;gap:40px;align-items:center}
.eyebrow{text-transform:uppercase;font-weight:800;letter-spacing:.08em;color:#0b7285;font-size:13px}
h1{font-size:clamp(34px,5vw,58px);line-height:1.05;margin:10px 0 18px}
h2{font-size:30px;line-height:1.2;margin-top:44px} h3{font-size:21px;margin-top:28px}
.lead{font-size:20px;color:#355562;max-width:780px}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:24px;box-shadow:0 8px 25px rgba(8,54,66,.06)}
.quick ul{padding-left:20px;margin-bottom:0}
.section{padding:54px 0}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.grid.two{grid-template-columns:repeat(2,1fr)}
.kpi{font-size:32px;font-weight:900;color:var(--brand)}
table{width:100%;border-collapse:collapse;margin:20px 0;background:#fff}
th,td{text-align:left;padding:12px 13px;border:1px solid var(--line);vertical-align:top}
th{background:#f1f8fa}
.answer{border-left:4px solid var(--brand);background:var(--wash);padding:16px 18px;border-radius:8px;margin:18px 0}
.notice{background:var(--warn);border:1px solid #f2d89c;border-radius:10px;padding:16px 18px}
.breadcrumb{font-size:14px;color:#607782;padding:18px 0 0}
.faq details{border-top:1px solid var(--line);padding:15px 0}
.faq summary{font-weight:800;cursor:pointer}
.cta{background:#073b49;color:white;border-radius:18px;padding:32px;margin:42px 0}
.cta h2{margin-top:0;color:white}
.cta p{color:#d7eef2}
footer{background:#062f3b;color:#cde9ee;padding:44px 0;margin-top:56px}
footer a{color:#e7fbff}
.foot{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:30px}
.small{font-size:14px;color:#6b8089}
@media(max-width:850px){.hero-grid,.grid,.grid.two,.foot{grid-template-columns:1fr}.nav{align-items:flex-start;padding:14px 0;flex-direction:column}header{position:static}nav{padding-bottom:12px}h1{font-size:38px}}

.costbox{background:#073b49;color:white;border-radius:14px;padding:24px;margin:22px 0}
.costbox strong{font-size:28px;display:block}
.costbox a{color:#dff8ff;text-decoration:underline}
.pills{display:flex;gap:8px;flex-wrap:wrap;margin:14px 0 24px}
.pill{background:#eef8fa;border:1px solid #cfe7eb;border-radius:999px;padding:7px 11px;font-size:14px;font-weight:700}
.source-note{font-size:13px;color:#647b85;margin-top:8px}
.steps{counter-reset:step}
.steps .card{position:relative;padding-left:62px}
.steps .card:before{counter-increment:step;content:counter(step);position:absolute;left:20px;top:22px;width:28px;height:28px;border-radius:50%;background:#0b7285;color:white;display:grid;place-items:center;font-weight:900}