:root{--navy:#071b36;--blue:#0e3a68;--red:#e1262f;--gold:#d6a84b;--cream:#f6f2e8;--ink:#172033;--muted:#667085;--white:#fff;--shadow:0 18px 50px rgba(7,27,54,.14)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Tahoma,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.8}a{text-decoration:none;color:inherit}img{max-width:100%;display:block}.container{width:min(1180px,92%);margin:auto}.topbar{background:var(--navy);color:#fff;font-size:14px}.topbar .container{display:flex;justify-content:space-between;gap:20px;padding:8px 0}.navbar{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.97);border-bottom:1px solid #e8edf3;backdrop-filter:blur(10px)}.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:78px}.brand{display:flex;align-items:center;gap:12px;font-weight:800;color:var(--navy)}.brand img{width:76px;height:58px;object-fit:contain}.links{display:flex;gap:19px;align-items:center;font-weight:700;font-size:14px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 20px;border-radius:12px;font-weight:800;border:0;cursor:pointer}.btn-primary{background:var(--red);color:#fff}.btn-dark{background:var(--navy);color:#fff}.btn-gold{background:var(--gold);color:var(--navy)}.hero{position:relative;min-height:650px;display:flex;align-items:center;color:#fff;background:linear-gradient(90deg,rgba(7,27,54,.96),rgba(7,27,54,.72),rgba(7,27,54,.15)),url('../images/hero.png') center/cover}.hero h1{font-size:clamp(38px,6vw,76px);line-height:1.15;margin:0 0 18px;max-width:850px}.hero p{font-size:20px;max-width:760px;color:#eaf0f7}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.badges{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.badge{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);padding:8px 14px;border-radius:999px}.section{padding:82px 0}.section.alt{background:#f7f9fc}.eyebrow{color:var(--red);font-weight:900}.section h2{font-size:clamp(30px,4vw,48px);line-height:1.25;color:var(--navy);margin:5px 0 18px}.lead{font-size:18px;color:var(--muted);max-width:850px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:34px}.card{background:#fff;border:1px solid #e7ebf0;border-radius:20px;overflow:hidden;box-shadow:var(--shadow)}.card img{width:100%;height:240px;object-fit:cover}.card-body{padding:22px}.card h3{color:var(--navy);margin:0 0 8px;font-size:22px}.card p{color:var(--muted)}.pill{display:inline-block;background:#fff0f1;color:var(--red);font-weight:800;padding:5px 10px;border-radius:999px;font-size:13px}.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:-42px;position:relative;z-index:3}.stat{background:#fff;border-radius:18px;box-shadow:var(--shadow);padding:22px;text-align:center}.stat b{display:block;color:var(--navy);font-size:24px}.feature{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:center}.feature img{border-radius:24px;box-shadow:var(--shadow)}.checklist{display:grid;grid-template-columns:1fr 1fr;gap:10px 18px;margin:24px 0}.check{background:#f7f9fc;border-radius:12px;padding:10px 12px}.faq details{background:#fff;border:1px solid #e6eaf0;border-radius:14px;padding:16px 18px;margin:10px 0}.faq summary{font-weight:800;color:var(--navy);cursor:pointer}.cta{background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;border-radius:28px;padding:42px}.cta h2{color:#fff}.footer{background:#041225;color:#cbd5e1;padding:55px 0 95px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}.footer h3{color:#fff}.footer a{display:block;margin:6px 0}.floating{position:fixed;bottom:18px;z-index:30;border-radius:999px;color:#fff;font-weight:900;box-shadow:0 10px 30px rgba(0,0,0,.25);padding:13px 18px}.wa{right:18px;background:#25D366}.call{left:18px;background:var(--red)}.page-hero{padding:90px 0 70px;background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff}.page-hero h1{font-size:clamp(36px,5vw,60px);margin:0}.content h2,.content h3{color:var(--navy)}.content p{font-size:17px}.seo-terms{display:flex;flex-wrap:wrap;gap:8px;margin-top:20px}.seo-terms span{font-size:13px;background:#f1f5f9;padding:6px 10px;border-radius:999px;color:#475569}@media(max-width:850px){.links{display:none}.grid,.stats,.feature,.footer-grid{grid-template-columns:1fr}.hero{min-height:600px}.stats{margin-top:20px}.checklist{grid-template-columns:1fr}.topbar .container{flex-direction:column;gap:0}.card img{height:210px}}

.menu-toggle{display:none;width:46px;height:42px;border:1px solid #dfe5ec;background:#fff;border-radius:10px;align-items:center;justify-content:center;flex-direction:column;gap:5px;cursor:pointer;padding:0}.menu-toggle span{display:block;width:23px;height:2px;background:var(--navy);transition:.25s}.menu-toggle.active span:nth-child(1){transform:translateY(7px) rotate(45deg)}.menu-toggle.active span:nth-child(2){opacity:0}.menu-toggle.active span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
@media(max-width:850px){.nav{position:relative;min-height:70px;gap:10px}.brand img{width:62px;height:48px}.brand span{font-size:13px;line-height:1.35}.menu-toggle{display:flex;margin-inline-start:auto}.nav>.btn{display:none}.links{display:none;position:absolute;top:100%;right:0;left:0;background:#fff;border-top:1px solid #e8edf3;box-shadow:0 16px 30px rgba(7,27,54,.12);padding:10px 4%;flex-direction:column;align-items:stretch;gap:0}.links.open{display:flex}.links a{display:block;padding:13px 10px;border-bottom:1px solid #eef2f6;color:var(--navy)}.topbar .container{align-items:center;text-align:center}.floating{padding:11px 15px;font-size:14px}}

@media (max-width:850px){
  .navbar{overflow:visible!important}.nav{position:relative!important;overflow:visible!important}.menu-toggle{display:flex!important;position:relative;z-index:1002}.nav .links{display:none!important;position:absolute!important;top:100%!important;right:0!important;left:0!important;z-index:1001!important;background:#fff!important;flex-direction:column!important;align-items:stretch!important;padding:8px 16px 16px!important;border-radius:0 0 16px 16px!important;box-shadow:0 18px 35px rgba(7,27,54,.2)!important}.nav .links.open{display:flex!important}.nav .links a{display:block!important;width:100%!important;padding:14px 10px!important}.nav>.btn{display:none!important}
}

.lang-switch{display:inline-flex;align-items:center;justify-content:center;border:1px solid #dfe5ec;border-radius:999px;padding:7px 12px;font-weight:900;color:var(--navy);background:#fff;white-space:nowrap}.ltr{direction:ltr;text-align:left}.ltr .links{direction:ltr}.ltr .footer{text-align:left}@media(max-width:850px){.navbar .container.nav{display:flex!important;flex-wrap:nowrap!important}.menu-toggle{display:flex!important;flex:0 0 46px!important}.lang-switch{font-size:13px;padding:6px 10px}.nav .links{visibility:hidden!important;opacity:0!important;pointer-events:none!important;transform:translateY(-8px);transition:opacity .2s ease,transform .2s ease;display:flex!important;max-height:0!important;overflow:hidden!important}.nav .links.open{visibility:visible!important;opacity:1!important;pointer-events:auto!important;transform:translateY(0);max-height:80vh!important;overflow:auto!important}.ltr .nav .links{left:0!important;right:0!important}}

/* 2026-09-20 mobile nav hard fix: native <details>, works without JavaScript */
.mobile-nav{display:none}
@media(max-width:850px){
  .menu-toggle{display:none!important}
  .desktop-links{display:none!important}
  .mobile-nav{display:block!important;position:relative;margin-inline-start:auto;z-index:5000}
  .mobile-nav>summary{list-style:none;display:flex;align-items:center;justify-content:center;gap:7px;min-width:48px;height:44px;padding:0 11px;border:1px solid #dfe5ec;border-radius:10px;background:#fff;color:var(--navy);font-weight:900;cursor:pointer;-webkit-tap-highlight-color:transparent;user-select:none}
  .mobile-nav>summary::-webkit-details-marker{display:none}
  .mobile-nav .hamb{font-size:25px;line-height:1}
  .mobile-nav .menu-word{font-size:12px}
  .mobile-nav[open]>summary{background:var(--navy);color:#fff}
  .mobile-links{position:fixed!important;top:0!important;right:0!important;left:0!important;margin-top:118px!important;background:#fff!important;box-shadow:0 18px 40px rgba(7,27,54,.28)!important;border-top:3px solid var(--red)!important;padding:8px 18px 18px!important;z-index:4999!important;max-height:calc(100vh - 130px)!important;overflow:auto!important}
  .mobile-links a{display:block!important;padding:15px 10px!important;border-bottom:1px solid #eef2f6!important;color:var(--navy)!important;font-weight:800!important;font-size:16px!important;text-align:start!important}
}