:root{--b:#126bd2;--t:#0a968d;--ink:#10253c;--mut:#60748a;--line:#d9e5ef;--bg:#f4f8fc;--dark:#081d34}
*{box-sizing:border-box}body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.72 Arial,sans-serif}a{text-decoration:none;color:inherit}.wrap{max-width:1200px;margin:auto;padding:0 22px}
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}.top{min-height:74px;display:flex;align-items:center;justify-content:space-between;gap:24px}.logo{font-size:26px;font-weight:900}.logo span{color:var(--b)}nav{display:flex;gap:18px;flex-wrap:wrap}nav a{font-weight:700;color:#435870}
.hero{padding:78px 0 60px;background:linear-gradient(135deg,#e6f3ff,#fff 60%,#e7faf5)}.eyebrow{font-size:13px;text-transform:uppercase;letter-spacing:.1em;font-weight:900;color:var(--t)}h1{font-size:clamp(38px,5vw,64px);line-height:1.04;max-width:1030px;margin:14px 0 22px}h2{font-size:clamp(28px,3vw,40px);line-height:1.16;margin:0 0 18px}h3{font-size:21px;margin:0 0 9px}.lead{font-size:20px;max-width:930px;color:#405a73}
section{padding:58px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.two{grid-template-columns:repeat(2,1fr)}.card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:25px;box-shadow:0 12px 34px rgba(18,49,78,.07)}.card p{color:var(--mut);margin-bottom:0}.band{background:var(--dark);color:#dce8f3}.band h2{color:#fff}.band p{color:#c5d5e3}.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:13px;margin-top:30px}.stat{background:#fff;border:1px solid var(--line);border-radius:16px;padding:19px}.stat b{display:block;font-size:29px;color:var(--b)}
.content{max-width:930px}.content p,.content li{color:#425a72}.content h2{margin-top:40px}.content h3{margin-top:28px}.toc{background:#eaf4fc;border-left:4px solid var(--b);padding:19px 22px;border-radius:13px;margin:25px 0}.breadcrumbs{font-size:14px;color:var(--mut);padding-top:23px}table{width:100%;border-collapse:collapse;background:#fff;margin:23px 0}th,td{border:1px solid var(--line);padding:13px;text-align:left}th{background:#edf5fb}.faq details{background:#fff;border:1px solid var(--line);border-radius:15px;padding:17px 19px;margin:11px 0}.faq summary{font-weight:800}
footer{background:#061729;color:#c5d4e1;padding:48px 0;margin-top:45px}.foot{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}footer strong{color:#fff}small{color:#8fa2b4}@media(max-width:820px){header{position:static}.top{flex-direction:column;align-items:flex-start;padding:15px 0}.grid,.two,.stats,.foot{grid-template-columns:1fr}.hero{padding:48px 0 38px}h1{font-size:39px}}