:root{--deep:#0b2a44;--deep2:#082033;--teal:#12a594;--teal2:#0f8c7e;--sky:#2b7fd4;--ink:#12212e;
--body:#38495c;--muted:#6a7c8d;--line:#e3ebf1;--soft:#f4f8fb;--card:#ffffff;--radius:16px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:#eef4f8;color:var(--body);
font-family:'Inter','Segoe UI',-apple-system,Roboto,Arial,sans-serif;line-height:1.68;-webkit-font-smoothing:antialiased}
img{max-width:100%}
a{color:var(--sky);text-decoration:none}
a:hover{color:var(--teal2)}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
/* ---------- topbar ---------- */
.top{background:var(--deep2);color:#9fb6c8;font-size:12.5px;letter-spacing:.01em}
.top .wrap{display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;padding:10px 20px}
.top b{color:#fff}
/* ---------- header ---------- */
.hed{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:40;
box-shadow:0 6px 22px rgba(11,42,68,.05)}
.hed .row{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:22px;padding:14px 0}
.logo{display:flex;align-items:center;gap:12px;font-weight:800;color:var(--deep);font-size:19px;letter-spacing:-.02em}
.logo img{height:42px;width:auto;display:block}
.nav ul{display:flex;gap:6px;list-style:none;margin:0;padding:0;justify-content:center;flex-wrap:wrap}
.nav a{color:#2d4356;font-size:14px;font-weight:600;padding:8px 11px;border-radius:9px;display:block}
.nav a:hover{background:var(--soft);color:var(--teal2)}
.btn{display:inline-block;background:linear-gradient(135deg,var(--teal),var(--teal2));color:#fff;border-radius:11px;
padding:12px 20px;font-weight:700;font-size:14.5px;border:0;box-shadow:0 8px 20px rgba(18,165,148,.25);transition:.18s}
.btn:hover{color:#fff;transform:translateY(-1px);box-shadow:0 12px 26px rgba(18,165,148,.34)}
.btn.alt,.btn.ghost{background:#fff;color:var(--deep);border:1px solid #cfe0ea;box-shadow:none}
.btn.ghost:hover,.btn.alt:hover{background:var(--soft);color:var(--deep)}
.btn.sm{padding:8px 14px;font-size:13.5px}
/* ---------- hero ---------- */
.hero{background:radial-gradient(1200px 480px at 88% -10%,rgba(18,165,148,.35),transparent 60%),
linear-gradient(120deg,var(--deep2),var(--deep) 60%,#123a58);color:#fff;border-radius:22px;overflow:hidden;
margin:22px 0;display:grid;grid-template-columns:1.15fr .85fr;box-shadow:0 26px 60px rgba(8,32,51,.28)}
.hero .txt{padding:38px 34px}
.hero h1{font-size:34px;line-height:1.18;margin:0 0 14px;color:#fff;letter-spacing:-.025em;font-weight:800}
.hero p{color:#c6d8e6;font-size:16.5px;margin:0 0 18px;max-width:640px}
.hero .art{background:#082033;display:flex;align-items:center;justify-content:center}
.hero .art img{width:100%;height:100%;min-height:260px;object-fit:cover;display:block}
/* ---------- trust ---------- */
.trust{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:20px 0}
.trust div{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:20px;
box-shadow:0 10px 26px rgba(11,42,68,.05)}
.trust b{display:block;color:var(--deep);font-size:16px;margin-bottom:6px}
.trust span{font-size:14.5px;color:var(--muted)}
/* ---------- headings ---------- */
h1{font-size:32px;color:var(--deep);letter-spacing:-.02em;line-height:1.2}
h2{font-size:23px;color:var(--deep);margin:30px 0 12px;letter-spacing:-.015em}
h2.sec{display:flex;justify-content:space-between;align-items:baseline;gap:12px;
border-bottom:2px solid var(--line);padding-bottom:10px}
h2.sec a{font-size:13.5px;color:var(--teal2);font-weight:600}
h3{font-size:17.5px;color:var(--deep);margin:16px 0 6px}
p,li{font-size:15.7px;color:var(--body)}
.prose p{margin:0 0 14px}
.prose ul,.prose ol{margin:0 0 16px;padding-left:22px}
.prose li{margin:5px 0}
.prose h2{margin-top:30px}
.leadb{font-size:17.5px;background:linear-gradient(180deg,#eefaf7,#e7f4fb);border-left:4px solid var(--teal);
padding:16px 18px;border-radius:12px;color:#22414f;margin:0 0 18px}
/* ---------- cards ---------- */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;
box-shadow:0 10px 26px rgba(11,42,68,.05);transition:.2s;display:flex;flex-direction:column}
.card:hover{transform:translateY(-3px);box-shadow:0 18px 40px rgba(11,42,68,.12)}
.card .ph{height:158px;background:#dce8f1 center/cover no-repeat}
.card .bd{padding:16px}
.card .tag,.tag{display:inline-block;background:#e5f6f3;color:#0c7a6d;border-radius:999px;padding:4px 11px;
font-size:11.5px;font-weight:700;text-transform:uppercase;letter-spacing:.04em}
.card h3{margin:10px 0 8px;font-size:17px;line-height:1.32}
.card h3 a{color:var(--deep)}
.card h3 a:hover{color:var(--teal2)}
.card p{margin:0;color:var(--muted);font-size:14.2px}
/* ---------- tables ---------- */
.article-table-wrap{overflow-x:auto;margin:18px 0;border-radius:14px;border:1px solid var(--line);background:#fff;
box-shadow:0 10px 26px rgba(11,42,68,.05)}
table.article-table{width:100%;border-collapse:collapse;font-size:15px;background:#fff}
table.article-table th,table.article-table td{border-bottom:1px solid var(--line);padding:13px 15px;text-align:left;vertical-align:top}
table.article-table th{background:var(--soft);color:var(--deep);font-weight:700;font-size:13.5px;
text-transform:uppercase;letter-spacing:.03em}
table.article-table tr:last-child td{border-bottom:0}
/* ---------- news / alerts ---------- */
.news{border-left:3px solid var(--teal);padding:2px 0 2px 16px;margin:16px 0}
.news h3{margin:0 0 4px;font-size:16.5px}
.news h3 a{color:var(--deep)}
.news p{margin:0;font-size:14.5px;color:var(--muted)}
.rg{background:linear-gradient(180deg,#eefaf7,#e9f6fb);border:1px solid #cdeae4;border-radius:14px;
padding:16px 18px;font-size:14.6px;color:#1d4f4a;margin:20px 0}
.rg b{color:#0b6a60}
/* ---------- layout / article ---------- */
.main{display:grid;grid-template-columns:1fr 320px;gap:28px;align-items:start}
.main.single{grid-template-columns:1fr}
.crum{font-size:13px;color:var(--muted);margin:16px 0 8px}
.crum a{color:var(--muted)}
.crum a:hover{color:var(--teal2)}
.ameta{font-size:13px;color:var(--muted);text-transform:uppercase;letter-spacing:.05em;font-weight:600;margin:0 0 14px}
.acov{width:100%;border-radius:18px;display:block;margin:0 0 22px;box-shadow:0 18px 44px rgba(11,42,68,.14)}
.prose figure{margin:20px 0}
.prose figure img{border-radius:14px;display:block}
.side .box{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:18px;
margin-bottom:16px;box-shadow:0 10px 26px rgba(11,42,68,.05)}
.side h4{color:var(--deep);font-size:15.5px;margin:0 0 10px}
.side a{display:block;padding:8px 0;border-bottom:1px dashed var(--line);color:#3b4d5e;font-size:14.3px}
.side a:hover{color:var(--teal2)}
.side a:last-child{border-bottom:0}
/* ---------- pager ---------- */
.pager{display:flex;gap:8px;justify-content:center;margin:26px 0}
.pg{display:inline-block;min-width:40px;text-align:center;padding:9px 13px;border:1px solid var(--line);
border-radius:10px;background:#fff;font-size:14px;color:var(--deep);font-weight:600}
.pg.current{background:linear-gradient(135deg,var(--teal),var(--teal2));color:#fff;border-color:transparent}
.pg:hover{border-color:var(--teal)}
/* ---------- footer ---------- */
footer{background:var(--deep2);color:#b7c9d7;margin-top:34px;padding:28px 0}
footer a{color:#fff;font-size:14px}
footer a:hover{color:var(--teal)}
.frow{display:grid;grid-template-columns:1.4fr repeat(2,1fr);gap:24px;align-items:start}
.fcont,.fpays{margin-top:14px;font-size:13.5px;color:#8fa6b8}
.fpaycap{font-size:12px;color:#7d93a5;margin-bottom:6px}
.paycell{display:inline-flex;align-items:center;justify-content:center;background:#0f2a3f;border:1px solid #1c425c;
border-radius:10px;padding:8px 14px;margin:5px 6px 0 0;height:44px}
.paycell img{max-height:24px;max-width:92px}
/* ---------- misc blocks ---------- */
.tmcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:16px}
.tmrole{font-size:13px;color:var(--muted)}
.lph{background:var(--soft);border-radius:14px}
.sec{margin-top:32px}
.labout{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px}
@media (max-width:960px){
.cards,.main,.hero,.trust,.frow,.hed .row{grid-template-columns:1fr}
.hero .txt{padding:26px 20px}
h1{font-size:26px}.hero h1{font-size:27px}
.hed{position:static}
}