:root{
  --blue:#0b57d0;
  --deep-blue:#062b6f;
  --red:#e11d48;
  --dark:#0d1530;
  --text:#182033;
  --muted:#5d6983;
  --light:#f6f9ff;
  --white:#ffffff;
  --line:#dce6f7;
  --soft-red:#fff1f4;
  --shadow:0 18px 50px rgba(6,43,111,.14);
  --shadow-strong:0 26px 70px rgba(6,43,111,.22);
  --radius:26px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:90px}
body{
  margin:0;
  font-family:Arial, Helvetica, sans-serif;
  background:linear-gradient(180deg,#ffffff 0%,#f5f8ff 42%,#ffffff 100%);
  color:var(--text);
  line-height:1.72;
  overflow-x:hidden;
}
a{color:inherit;text-decoration:none}
img{max-width:100%;height:auto;display:block}
.skip-link{
  position:absolute;left:-999px;top:auto;width:1px;height:1px;overflow:hidden;
}
.skip-link:focus{left:20px;top:20px;width:auto;height:auto;background:#fff;color:#000;padding:12px 16px;border-radius:12px;z-index:9999}
.site-header{
  position:sticky;
  top:0;
  z-index:1000;
  background:rgba(255,255,255,.92);
  backdrop-filter:saturate(160%) blur(16px);
  border-bottom:1px solid rgba(11,87,208,.15);
}
.nav-shell{
  width:min(1440px, calc(100% - 32px));
  margin:0 auto;
  min-height:64px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:22px;
}
.brand{
  display:flex;
  align-items:center;
  gap:10px;
  flex:0 0 auto;
}
.brand span{display:flex;flex-direction:column;line-height:1.05;color:var(--deep-blue);font-weight:800;font-size:18px;letter-spacing:-.02em}
.brand small{font-size:11px;text-transform:uppercase;color:var(--red);letter-spacing:.12em;margin-top:2px}
.main-nav{display:flex;align-items:center;gap:6px;flex-wrap:wrap;justify-content:flex-end}
.main-nav a{
  padding:9px 12px;
  border-radius:999px;
  color:#223050;
  font-weight:700;
  font-size:14px;
  transition:background .25s ease,color .25s ease,transform .25s ease;
}
.main-nav a:hover,.main-nav a:focus{background:var(--blue);color:#fff;transform:translateY(-1px)}
.menu-toggle{display:none;background:#fff;border:1px solid var(--line);width:44px;height:44px;border-radius:14px;align-items:center;justify-content:center;flex-direction:column;gap:5px;cursor:pointer}
.menu-toggle span{display:block;width:20px;height:2px;background:var(--deep-blue);border-radius:99px;transition:transform .25s ease,opacity .25s ease}
.menu-toggle.is-open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.menu-toggle.is-open span:nth-child(2){opacity:0}
.menu-toggle.is-open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.hero{
  width:min(1540px, calc(100% - 32px));
  margin:26px auto 0;
  border-radius:34px;
  background:
    radial-gradient(circle at 16% 16%,rgba(225,29,72,.18),transparent 28%),
    radial-gradient(circle at 86% 8%,rgba(11,87,208,.24),transparent 31%),
    linear-gradient(135deg,#071d55 0%,#0b57d0 48%,#e11d48 100%);
  color:#fff;
  overflow:hidden;
  box-shadow:var(--shadow-strong);
  position:relative;
}
.hero::after{
  content:"";
  position:absolute;inset:auto -8% -40% 38%;height:68%;
  background:radial-gradient(circle,rgba(255,255,255,.17),transparent 60%);
  pointer-events:none;
}
.hero-grid{
  display:grid;
  grid-template-columns:minmax(0,1.05fr) minmax(360px,.95fr);
  gap:34px;
  align-items:center;
  padding:70px clamp(24px,5vw,76px);
  position:relative;
  z-index:1;
}
.hero-badge,.section-kicker{
  display:inline-flex;
  align-items:center;
  gap:8px;
  padding:7px 12px;
  border-radius:999px;
  background:rgba(255,255,255,.14);
  border:1px solid rgba(255,255,255,.22);
  color:#fff;
  font-size:13px;
  font-weight:800;
  letter-spacing:.03em;
  text-transform:uppercase;
}
.section-kicker{background:#eef5ff;color:var(--blue);border-color:#d9e8ff;margin-bottom:10px}
.hero h1{
  font-size:clamp(38px,5.3vw,78px);
  line-height:1.03;
  letter-spacing:-.055em;
  max-width:940px;
  margin:20px 0 20px;
}
.hero-lead{font-size:clamp(18px,2vw,24px);max-width:820px;color:rgba(255,255,255,.92);margin:0 0 28px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:28px}
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:48px;
  padding:13px 20px;
  border-radius:999px;
  font-weight:900;
  border:0;
  cursor:pointer;
  transition:transform .25s ease,box-shadow .25s ease,background .25s ease,color .25s ease;
  max-width:100%;
  text-align:center;
}
.btn:hover,.btn:focus{transform:translateY(-2px);box-shadow:0 14px 30px rgba(0,0,0,.18)}
.btn-primary{background:linear-gradient(135deg,var(--red),#ff385f);color:#fff}
.btn-primary:hover,.btn-primary:focus{background:#111827;color:#fff}
.btn-secondary{background:#fff;color:var(--deep-blue)}
.btn-secondary:hover,.btn-secondary:focus{background:var(--deep-blue);color:#fff}
.btn-light{background:#fff;color:var(--red)}
.btn-light:hover,.btn-light:focus{background:#111827;color:#fff}
.trust-row{display:flex;gap:10px;flex-wrap:wrap}
.trust-row span{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);border-radius:999px;padding:8px 12px;font-weight:800;font-size:14px}
.hero-visual{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);border-radius:30px;padding:18px;box-shadow:0 20px 70px rgba(0,0,0,.18)}
.hero-visual img{width:100%;border-radius:22px}
.metric-strip{
  width:min(1380px, calc(100% - 32px));
  margin:-28px auto 34px;
  position:relative;
  z-index:2;
  display:grid;
  grid-template-columns:repeat(4,minmax(0,1fr));
  gap:14px;
}
.metric-strip div{
  background:#fff;
  border:1px solid var(--line);
  border-radius:22px;
  padding:20px;
  box-shadow:var(--shadow);
}
.metric-strip strong{display:block;color:var(--red);font-size:24px;line-height:1.1}
.metric-strip span{display:block;color:var(--muted);font-weight:800;margin-top:4px}
.page-layout{
  width:min(1440px, calc(100% - 32px));
  margin:0 auto 60px;
  display:grid;
  grid-template-columns:260px minmax(0,1fr);
  gap:28px;
  align-items:start;
}
.toc{
  position:sticky;
  top:84px;
  background:#fff;
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:20px;
  box-shadow:var(--shadow);
}
.toc p{margin:0 0 12px;color:var(--deep-blue);font-weight:900}
.toc a{display:block;padding:10px 12px;margin:4px 0;border-radius:14px;color:#31415f;font-weight:700}
.toc a:hover,.toc a:focus{background:#eef5ff;color:var(--blue)}
.main-article{min-width:0}
.content-section{
  background:#fff;
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:clamp(24px,3.4vw,48px);
  margin-bottom:22px;
  box-shadow:0 12px 38px rgba(6,43,111,.08);
  position:relative;
  overflow:hidden;
}
.content-section::before{content:"";position:absolute;left:0;top:0;width:6px;height:100%;background:linear-gradient(180deg,var(--blue),var(--red))}
.content-section h2,.conversion-panel h2,.faq-section h2,.site-footer h2{
  margin:0 0 14px;
  color:var(--deep-blue);
  font-size:clamp(28px,3vw,44px);
  line-height:1.16;
  letter-spacing:-.03em;
}
.content-section p{font-size:18px;margin:0 0 18px;color:#263552}
.content-section p:last-child{margin-bottom:0}
.conversion-panel{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:24px;
  background:linear-gradient(135deg,var(--deep-blue),var(--blue) 58%,var(--red));
  color:#fff;
  border-radius:30px;
  padding:clamp(28px,4vw,52px);
  margin:28px 0;
  box-shadow:var(--shadow-strong);
}
.conversion-panel .section-kicker{background:rgba(255,255,255,.14);color:#fff;border-color:rgba(255,255,255,.25)}
.conversion-panel h2{color:#fff}
.conversion-panel p{font-size:18px;margin:0;color:rgba(255,255,255,.9);max-width:900px}
.faq-section{
  background:#fff;
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:clamp(24px,3.4vw,48px);
  box-shadow:var(--shadow);
}
.faq-intro{font-size:18px;color:var(--muted);max-width:960px}
.faq-item{border:1px solid var(--line);border-radius:18px;margin:12px 0;overflow:hidden;background:#fbfdff}
.faq-question{width:100%;display:flex;align-items:center;justify-content:space-between;gap:18px;text-align:left;background:transparent;border:0;padding:18px 20px;color:var(--deep-blue);font-size:17px;font-weight:900;cursor:pointer}
.faq-icon{width:30px;height:30px;border-radius:50%;background:#eef5ff;color:var(--blue);display:inline-flex;align-items:center;justify-content:center;flex:0 0 auto;font-size:20px;line-height:1}
.faq-answer{display:none;padding:0 20px 20px;color:#2c3d5d}
.faq-answer p{margin:0;font-size:17px}
.faq-item.is-open .faq-answer{display:block}
.faq-item.is-open .faq-icon{background:var(--red);color:#fff}
.site-footer{
  background:#071d55;
  color:#fff;
  margin-top:60px;
  padding:46px 0 20px;
}
.footer-grid,.footer-bottom{
  width:min(1440px, calc(100% - 32px));
  margin:0 auto;
}
.footer-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:center}
.footer-grid h2{color:#fff;margin-top:12px}
.footer-grid p{color:rgba(255,255,255,.78);font-size:17px;max-width:740px}
.footer-cta{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:24px;padding:24px}
.footer-cta h3{font-size:28px;margin:0 0 8px}
.footer-bottom{display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap;border-top:1px solid rgba(255,255,255,.14);padding-top:18px;margin-top:32px;color:rgba(255,255,255,.75)}
.footer-bottom a{color:#fff;font-weight:900}
.back-to-top{
  position:fixed;
  right:18px;
  bottom:18px;
  width:48px;height:48px;border-radius:50%;border:0;
  background:linear-gradient(135deg,var(--blue),var(--red));
  color:#fff;
  font-size:22px;
  font-weight:900;
  cursor:pointer;
  box-shadow:0 12px 28px rgba(6,43,111,.28);
  opacity:0;
  pointer-events:none;
  transform:translateY(14px);
  transition:opacity .25s ease,transform .25s ease;
  z-index:900;
}
.back-to-top.is-visible{opacity:1;pointer-events:auto;transform:translateY(0)}
@media (max-width:1080px){
  .hero-grid{grid-template-columns:1fr;padding:54px 28px}
  .hero-visual{max-width:760px;margin:0 auto;width:100%}
  .metric-strip{grid-template-columns:repeat(2,minmax(0,1fr))}
  .page-layout{grid-template-columns:1fr}
  .toc{position:relative;top:auto;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:8px}
  .toc p{grid-column:1/-1}
}
@media (max-width:820px){
  html{scroll-padding-top:76px}
  .nav-shell{min-height:58px;width:min(100% - 22px,1440px)}
  .menu-toggle{display:flex}
  .main-nav{
    position:absolute;
    left:11px;
    right:11px;
    top:64px;
    display:none;
    background:#fff;
    border:1px solid var(--line);
    border-radius:20px;
    box-shadow:var(--shadow);
    padding:10px;
  }
  .main-nav.is-open{display:grid;grid-template-columns:1fr 1fr;gap:6px}
  .main-nav a{padding:12px;font-size:14px;text-align:center;background:#f6f9ff}
  .hero{width:calc(100% - 22px);margin-top:16px;border-radius:24px}
  .hero-grid{padding:38px 18px;gap:22px}
  .hero h1{font-size:clamp(32px,10vw,48px);letter-spacing:-.04em}
  .hero-lead{font-size:17px}
  .btn{width:100%}
  .trust-row span{width:100%;text-align:center}
  .metric-strip{width:calc(100% - 22px);grid-template-columns:1fr;margin-top:18px}
  .page-layout{width:calc(100% - 22px)}
  .toc{grid-template-columns:1fr 1fr;padding:14px;border-radius:20px}
  .toc a{font-size:14px;padding:9px}
  .content-section,.faq-section{border-radius:20px;padding:22px 18px}
  .content-section h2,.conversion-panel h2,.faq-section h2{font-size:27px}
  .content-section p{font-size:16.5px}
  .conversion-panel{flex-direction:column;align-items:flex-start;border-radius:22px;padding:24px 18px}
  .footer-grid{grid-template-columns:1fr}
  .footer-bottom{flex-direction:column}
  .brand span{font-size:16px}
}
@media (max-width:480px){
  .main-nav.is-open{grid-template-columns:1fr}
  .toc{grid-template-columns:1fr}
  .hero-badge{font-size:11px;line-height:1.35;align-items:flex-start}
  .metric-strip strong{font-size:22px}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *{transition:none!important;animation:none!important}
}