:root{--navy:#0b2f63;--blue:#1554a5;--ink:#17202a;--muted:#5c6874;--line:#dbe4ec;--bg:#f6f9fc;--white:#fff;--accent:#0e7487}
*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--bg);color:var(--ink);line-height:1.55}a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}header{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}.wrap{max-width:1180px;margin:auto;padding:0 22px}.nav{display:flex;align-items:center;gap:22px;min-height:68px;flex-wrap:wrap}.brand{font-weight:800;color:var(--navy);margin-right:auto}.brand small{display:block;font-weight:500;color:var(--muted)}.hero{padding:72px 0 52px;background:linear-gradient(180deg,#fff,#f3f7fb)}h1{font-size:44px;line-height:1.08;color:var(--navy);margin:0 0 14px}h2{color:var(--navy);margin-top:0}.lead{font-size:20px;max-width:840px;color:#33485b}.kicker{font-size:12px;letter-spacing:.16em;font-weight:800;color:var(--accent);text-transform:uppercase}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px;box-shadow:0 5px 18px rgba(0,0,0,.035)}.stat{font-size:38px;font-weight:800;color:var(--navy)}section{padding:44px 0}.pill{display:inline-block;border:1px solid #b9cfdf;background:#eef6fb;border-radius:999px;padding:5px 10px;margin:3px;font-size:13px}.note{border-left:4px solid var(--accent);padding:14px 18px;background:#eef7f8}.warn{border-left-color:#b67a00;background:#fff8e9}table{width:100%;border-collapse:collapse;background:#fff}th,td{padding:12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}th{color:var(--navy);background:#f0f5fa}footer{background:#0a2851;color:#d8e6f4;padding:34px 0;margin-top:42px}footer a{color:#fff}.meta{color:var(--muted);font-size:14px}.btn{display:inline-block;padding:11px 16px;background:var(--navy);color:white;border-radius:8px;margin-right:8px}.btn.secondary{background:white;color:var(--navy);border:1px solid var(--navy)}@media(max-width:800px){.grid{grid-template-columns:1fr}h1{font-size:34px}.nav{gap:12px}.wrap{padding:0 16px}table{font-size:14px}}