:root{--navy:#0a1f46;--navy2:#12295c;--card:#0f2856;--blue:#1f7bff;--blue2:#4aa0ff;--red:#ff4458;--ink:#eaf1ff;--mut:#a9bde0;--line:rgba(255,255,255,.09);--maxw:1120px}
*{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth}
body{background:var(--navy);color:var(--ink);font-family:-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;line-height:1.7}
a{color:inherit;text-decoration:none}img{max-width:100%;height:auto;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
.btn{display:inline-block;background:linear-gradient(120deg,var(--red),#ff7a45);color:#fff;padding:14px 32px;border-radius:8px;font-weight:800;font-size:.98rem;box-shadow:0 10px 26px rgba(255,68,88,.35);transition:transform .15s}
.btn:hover{transform:translateY(-2px)}
.btn.ghost{background:transparent;color:var(--blue2);border:1.5px solid var(--blue)}
.btn.ghost:hover{background:var(--blue);color:#fff}
.btn.sm{padding:9px 18px;font-size:.86rem}
header.site{position:sticky;top:0;z-index:50;background:rgba(10,31,70,.9);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.top{display:flex;align-items:center;justify-content:space-between;height:66px}
.logo{display:flex;align-items:center;gap:10px;font-weight:900;font-size:1.4rem;letter-spacing:.02em}
.logo .f{width:36px;height:36px;display:flex;flex-direction:column;align-items:center;justify-content:center;border-radius:6px;background:linear-gradient(120deg,var(--blue),var(--red));font-size:1.05rem}
.logo span{color:#fff}
nav.main{display:flex;gap:22px;align-items:center;font-size:.93rem}
nav.main a{color:var(--mut);font-weight:600;padding:6px 0;border-bottom:2px solid transparent}
nav.main a:hover,nav.main a.active{color:#fff;border-color:var(--red)}
.nav-toggle{display:none;background:none;border:0;color:var(--ink);font-size:1.6rem;cursor:pointer}
.hero{padding:70px 0 56px;background:
 radial-gradient(700px 400px at 88% -15%, rgba(31,123,255,.28), transparent 60%),
 radial-gradient(600px 380px at 0% 30%, rgba(255,68,88,.16), transparent 55%),var(--navy)}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:42px;align-items:center}
.eyebrow{display:inline-block;color:var(--blue2);font-weight:800;letter-spacing:.14em;font-size:.8rem;text-transform:uppercase;margin-bottom:16px}
.hero h1{font-size:clamp(2.1rem,5vw,3.3rem);font-weight:900;line-height:1.1}
.hero h1 span{color:var(--blue2)}
.hero .sub{margin:18px 0 0;color:var(--mut);max-width:560px;font-size:1.05rem}
.hero .cta-row{margin-top:30px;display:flex;gap:14px;flex-wrap:wrap}
.numrow{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:34px}
.numrow .num{background:rgba(255,255,255,.05);border:1px solid var(--line);border-radius:12px;padding:18px}
.numrow b{display:block;font-size:1.7rem;font-weight:900;background:linear-gradient(120deg,var(--blue2),var(--red));-webkit-background-clip:text;background-clip:text;color:transparent}
.numrow span{color:var(--mut);font-size:.86rem}
section.blk{padding:54px 0}
section.blk.alt{background:var(--navy2)}
h2.sec{font-size:1.7rem;font-weight:900;margin-bottom:10px}
h2.sec span{color:var(--blue2)}
p.sec-sub{color:var(--mut);margin-bottom:28px;max-width:680px}
.grid{display:grid;gap:18px}.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:26px}
.card h3{font-size:1.12rem;font-weight:800;margin-bottom:8px;color:var(--blue2)}
.card p{color:var(--mut);font-size:.94rem}
.card b.n{display:block;font-size:1.5rem;font-weight:900;color:#fff;margin-bottom:4px}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:42px;align-items:start}
.note{background:rgba(255,68,88,.1);border-left:4px solid var(--red);padding:16px 20px;border-radius:10px;color:var(--mut);font-size:.92rem;margin-top:26px}
.risk{background:rgba(255,255,255,.04);border:1px solid var(--line);border-radius:10px;padding:16px 20px;color:var(--mut);font-size:.86rem;margin-top:36px}
.phead{padding:56px 0 28px;border-bottom:1px solid var(--line);background:var(--navy2)}
.phead h1{font-size:clamp(1.9rem,4.2vw,2.8rem);font-weight:900}
.phead h1 span{color:var(--blue2)}
.lede{margin-top:14px;max-width:720px;color:var(--mut);font-size:1.04rem}
.crumb{font-size:.85rem;color:var(--mut);margin-bottom:14px}.crumb a{color:var(--blue2)}
ul.list{margin:12px 0 0 22px}ul.list li{margin-bottom:9px;color:var(--mut)}
table.tb{width:100%;border-collapse:collapse;font-size:.93rem;background:var(--card);border:1px solid var(--line);border-radius:12px;overflow:hidden}
.tb th,.tb td{padding:13px 16px;border-bottom:1px solid var(--line);text-align:left}
.tb th{background:rgba(31,123,255,.15);color:#fff;font-weight:800}
.tb tr:last-child td{border-bottom:0}
.tb td{color:#d7e3fb}
.cta-card{background:linear-gradient(120deg,var(--blue),var(--navy2));border:1px solid var(--line);border-radius:16px;padding:46px 38px;text-align:center}
.cta-card h2{font-size:1.5rem;font-weight:900;margin-bottom:10px}
.cta-card p{color:var(--mut);margin:0 auto 24px;max-width:560px}
footer.site{border-top:1px solid var(--line);margin-top:56px;padding:42px 0 36px;background:#07142f;color:var(--mut);font-size:.9rem}
.ft{display:flex;justify-content:space-between;gap:30px;flex-wrap:wrap}
.ft nav{display:flex;gap:18px;flex-wrap:wrap}.ft nav a:hover{color:var(--blue2)}
@media(max-width:880px){.g3{grid-template-columns:1fr}.g2{grid-template-columns:1fr}.g4{grid-template-columns:1fr 1fr}.split{grid-template-columns:1fr}
 .hero .wrap{grid-template-columns:1fr}
 .nav-toggle{display:block}
 nav.main{position:fixed;top:66px;left:0;right:0;background:var(--navy2);flex-direction:column;align-items:flex-start;padding:18px 22px;gap:16px;border-bottom:1px solid var(--line);display:none}
 nav.main.open{display:flex}}