:root{--navy:#071a2b;--blue:#0b5fff;--teal:#11b7a3;--ice:#eef6ff;--ink:#122234;--muted:#5f6f80;--white:#fff;--gold:#f4b942;--danger:#a92d3b;--radius:18px;--shadow:0 14px 40px rgba(7,26,43,.11)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--ink);line-height:1.66;background:#fff}img{max-width:100%;height:auto}a{color:var(--blue)}.container{width:min(1120px,92%);margin:auto}.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);border-bottom:1px solid #dfe9f2}.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:68px}.brand{font-weight:900;color:var(--navy);text-decoration:none;font-size:1.15rem}.brand span{color:var(--blue)}nav{display:flex;gap:18px;align-items:center}nav a{text-decoration:none;color:var(--ink);font-weight:650}.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;padding:.82rem 1.25rem;background:var(--blue);color:#fff;text-decoration:none;font-weight:800;border:0;box-shadow:0 8px 22px rgba(11,95,255,.22)}.btn:hover{background:#084bc9}.btn.secondary{background:#fff;color:var(--navy);box-shadow:none;border:1px solid #bfd0df}.hero{background:linear-gradient(130deg,var(--navy),#0a3656 58%,#0b5fff);color:#fff;padding:82px 0 58px}.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:52px;align-items:center}.eyebrow{letter-spacing:.12em;text-transform:uppercase;font-size:.78rem;font-weight:850;color:#75e1d3}.hero h1{font-size:clamp(2.35rem,5vw,4.4rem);line-height:1.03;margin:.35rem 0 1rem}.lead{font-size:1.15rem;color:#dceafa}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0 14px}.mini-risk{font-size:.78rem;color:#c6d8e8}.trustbar{background:#fff;border-bottom:1px solid #e6edf4}.trust-items{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;padding:18px 0}.trust-items div{font-weight:750;font-size:.9rem}.section{padding:72px 0}.section.alt{background:var(--ice)}h2{font-size:clamp(1.8rem,3vw,2.75rem);line-height:1.15;color:var(--navy);margin:0 0 12px}h3{line-height:1.25;color:var(--navy)}.answer{font-size:1.08rem;font-weight:720;color:#264760;margin-top:0}.grid{display:grid;gap:22px}.cards{grid-template-columns:repeat(3,1fr)}.card{background:#fff;border:1px solid #dae7f1;border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}.card h3{margin-top:4px}.icon{width:42px;height:42px;border-radius:12px;display:grid;place-items:center;background:#dff7f3;color:#08776a;font-weight:900}.steps{counter-reset:steps;grid-template-columns:repeat(3,1fr)}.step{position:relative;padding:26px 24px 24px 68px;background:#fff;border-radius:var(--radius);border:1px solid #d8e4ef}.step:before{counter-increment:steps;content:counter(steps);position:absolute;left:22px;top:24px;width:32px;height:32px;border-radius:50%;display:grid;place-items:center;background:var(--blue);color:#fff;font-weight:900}.notice{padding:18px 20px;border-left:4px solid var(--gold);background:#fff8e4;border-radius:8px}.risk{border-color:var(--danger);background:#fff1f3}.split{display:grid;grid-template-columns:1fr 1fr;gap:28px}.quote{font-size:1.35rem;font-family:Georgia,serif;border-left:4px solid var(--teal);padding-left:24px}.quote cite{display:block;font:600 .9rem Inter,sans-serif;margin-top:10px;color:var(--muted)}table{width:100%;border-collapse:collapse;background:#fff;border-radius:14px;overflow:hidden}th,td{text-align:left;padding:14px;border-bottom:1px solid #e2eaf1}th{background:#0b2d49;color:#fff}.faq details{background:#fff;border:1px solid #d8e4ef;border-radius:12px;padding:16px 18px;margin:10px 0}.faq summary{font-weight:800;cursor:pointer;color:var(--navy)}.cta{background:linear-gradient(125deg,#0a314f,#0b5fff);color:#fff;border-radius:26px;padding:38px}.cta h2{color:#fff}.site-footer{background:var(--navy);color:#c7d5e2;padding:46px 0 24px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}.site-footer a{color:#e8f2ff}.legal{font-size:.8rem;border-top:1px solid #274359;margin-top:26px;padding-top:18px}.page-hero{background:var(--navy);color:#fff;padding:54px 0}.page-hero h1{font-size:clamp(2rem,4vw,3.4rem);margin:0}.procon li{margin:.55rem 0}.pros li::marker{color:#0b8f70}.cons li::marker{color:#b84552}.mobile-toggle{display:none;background:none;border:0;font-size:1.5rem}@media(max-width:800px){.hero-grid,.split,.footer-grid{grid-template-columns:1fr}.cards,.steps{grid-template-columns:1fr}.trust-items{grid-template-columns:1fr 1fr}.mobile-toggle{display:block}nav{display:none;position:absolute;top:68px;left:0;right:0;padding:20px;background:#fff;flex-direction:column;align-items:flex-start;border-bottom:1px solid #ddd}nav.open{display:flex}.hero{padding-top:54px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}