:root{--navy:#0b2a4a;--blue:#0e6aa8;--teal:#0e8a7b;--light:#eef5f8;--ink:#1a2b36;--muted:#5b6b76;--gold:#f2b705;--white:#fff}
*{box-sizing:border-box}body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);line-height:1.65;font-size:17px;background:#fff}
a{color:var(--blue)}header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:20}
.topbar{max-width:1100px;margin:0 auto;padding:12px 18px;display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap}
.brand{font-weight:800;font-size:20px;line-height:1.2;color:#fff;text-decoration:none}.brand small{display:block;font-size:12px;font-weight:600;letter-spacing:.06em;color:#bcd7e8;text-transform:uppercase}
.callbtn{background:var(--gold);color:#12222e;font-weight:800;text-decoration:none;padding:11px 18px;border-radius:8px;white-space:nowrap}
nav{background:#12395f}nav>ul{max-width:1100px;margin:0 auto;padding:0 18px;list-style:none;display:flex;gap:4px;flex-wrap:wrap}nav a{color:#fff;text-decoration:none;padding:11px 12px;display:block;font-size:15px}nav a:hover{background:#1d4f7d}
nav li.dropdown{position:relative}nav ul.submenu{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid #d7e2e8;list-style:none;padding:8px 0;margin:0;min-width:280px;z-index:50;box-shadow:0 12px 30px rgba(11,42,74,.18);border-radius:10px}nav li.dropdown:hover ul.submenu,nav li.dropdown:focus-within ul.submenu{display:block}nav ul.submenu li{display:block}nav ul.submenu li a{color:#0b2a4a;padding:11px 18px;white-space:nowrap;font-size:15px}nav ul.submenu li a:hover{background:#eef5f8;color:#0b2a4a}
main{max-width:1100px;margin:0 auto;padding:10px 18px 80px}.hero{background:linear-gradient(135deg,#0b2a4a,#0e6aa8);color:#fff;border-radius:14px;padding:30px 26px;margin:18px 0}
.hero h1{margin:0 0 12px;font-size:clamp(28px,4.5vw,42px);line-height:1.15}.summary{font-size:18px;background:rgba(255,255,255,.12);padding:14px 16px;border-left:4px solid var(--gold);border-radius:6px}
.answer{background:var(--light);border:1px solid #cfe0e8;border-radius:10px;padding:18px 20px;margin:22px 0}.answer h2{margin-top:0}
h2{font-size:25px;line-height:1.3;margin-top:34px;color:var(--navy)}h3{font-size:19px;color:var(--navy);margin-top:24px}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:14px;margin:18px 0}.card{border:1px solid #d7e2e8;border-radius:10px;padding:18px;background:#fff}.card h3{margin:0 0 6px}.card p{margin:0;color:var(--muted)}
table{width:100%;border-collapse:collapse;margin:16px 0}th,td{border:1px solid #d7e2e8;padding:10px;text-align:left;vertical-align:top}th{background:var(--light)}
.cta{background:#fff7dd;border:1px solid #ecd27a;border-radius:10px;padding:18px 20px;text-align:center;margin:26px 0}.cta a{font-size:20px;font-weight:800;color:var(--navy)}
.badge{display:inline-block;background:var(--teal);color:#fff;padding:4px 10px;border-radius:20px;font-size:13px;font-weight:700;margin:2px 4px 2px 0}
.faq{border-top:1px solid #d7e2e8;padding:14px 0}.faq h3{margin:0 0 6px}
footer{background:var(--navy);color:#d7e6ef;padding:30px 18px}footer .wrap{max-width:1100px;margin:0 auto}footer a{color:#fff}
.sticky{position:fixed;left:0;right:0;bottom:0;background:var(--navy);padding:10px;text-align:center;z-index:30;display:none}
.sticky a{background:var(--gold);color:#12222e;font-weight:800;text-decoration:none;padding:12px 22px;border-radius:8px;display:inline-block}
.breadcrumb{font-size:14px;color:var(--muted);margin:14px 0 0}.breadcrumb a{color:var(--muted)}
.gallery{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px;margin:22px 0}figure{margin:0;border:1px solid #d7e2e8;border-radius:10px;overflow:hidden;background:#fff}figure img{width:100%;height:auto;display:block}figcaption{padding:12px 14px;font-size:15px;color:var(--muted)}figcaption strong{color:var(--navy);display:block;font-size:16px;margin-bottom:4px}
.trust{font-size:14px;color:var(--muted);margin:10px 0 0}
.herometa{margin-top:18px;background:rgba(255,255,255,.10);border:1px solid rgba(255,255,255,.25);border-radius:10px;padding:14px 16px;font-size:15px}.herometa p{margin:7px 0}.chip{display:inline-block;background:rgba(255,255,255,.18);border:1px solid rgba(255,255,255,.35);padding:3px 9px;border-radius:20px;margin:2px 4px 2px 0;font-size:14px}.chiplink{display:inline-block;background:#f2b705;color:#12222e;font-weight:700;text-decoration:none;padding:4px 10px;border-radius:20px;margin:2px 4px 2px 0;font-size:14px}.logoimg{height:42px;width:auto;vertical-align:middle;border-radius:8px}.brandline{display:flex;align-items:center;gap:10px}
@media(max-width:700px){body{font-size:16px}nav a{padding:9px 8px}.sticky{display:block}main{padding-bottom:110px}.hero{padding:24px 18px}}
.toolgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;margin:24px 0}.toolcard{border:1px solid #d7e2e8;border-radius:16px;padding:24px;background:#fff;box-shadow:0 2px 10px rgba(11,42,74,.06);transition:transform .15s,box-shadow .15s,border-color .15s}.toolcard:hover{transform:translateY(-3px);box-shadow:0 10px 28px rgba(11,42,74,.14);border-color:#0e6aa8}.toolcard h3{margin:12px 0 8px}.toolcard p{color:var(--muted);margin:0 0 14px}.toolcard a{font-weight:700;text-decoration:none}.toolnum{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;font-size:15px}.toolsteps{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:0 0 22px}.step{display:flex;align-items:center;gap:10px;background:var(--light);border:1px solid #cfe0e8;border-radius:12px;padding:12px 14px;font-weight:700;color:var(--navy);font-size:15px}.stepnum{flex:none;width:32px;height:32px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:15px}.field{margin-bottom:18px}.field label{margin-bottom:6px}.field.check{display:flex;align-items:flex-start;gap:10px;background:#f8fafc;border:1px solid #d7e2e8;border-radius:10px;padding:12px 14px;margin-bottom:10px}.field.check label{font-weight:600;margin:0}.field.check input{margin-top:4px;flex:none}.toolresult h3{margin:0 0 10px;color:var(--navy);font-size:18px}.toolback{font-size:15px;margin:0 0 6px}.toolback a{text-decoration:none;font-weight:700}.toolbox{background:#fff;border:1px solid #d7e2e8;border-radius:16px;padding:28px;margin:20px 0;box-shadow:0 4px 20px rgba(11,42,74,.08);max-width:760px}.toolbox label{display:block;font-weight:700;margin:16px 0 6px;color:var(--navy)}.toolbox label:first-child{margin-top:0}.toolbox input,.toolbox select{width:100%;max-width:480px;padding:12px 14px;border:1px solid #94a3b8;border-radius:10px;font-size:16px;background:#fff}.toolbox input:focus,.toolbox select:focus{border-color:var(--blue);box-shadow:0 0 0 3px rgba(14,106,168,.15);outline:none}.toolbox input[type=checkbox]{width:auto;accent-color:var(--blue)}.toolbtn{display:inline-block;background:var(--navy);color:#fff;border:0;padding:14px 28px;border-radius:10px;font-size:17px;font-weight:800;cursor:pointer;margin-top:18px;transition:background .15s}.toolbtn:hover{background:var(--blue)}.toolresult{background:var(--light);border:1px solid #cfe0e8;border-left:5px solid var(--navy);border-radius:12px;padding:20px;margin:20px 0}.toolresult p{margin:8px 0}.toolresult p:first-child{margin-top:0}.svgbox{border:1px solid #d7e2e8;border-radius:16px;padding:20px;background:#fff;margin:20px 0;text-align:center;box-shadow:0 2px 10px rgba(11,42,74,.06)}.svgbox svg{max-width:100%;height:auto}
@media(max-width:700px){.toolbox{padding:20px 16px}.toolbtn{width:100%;text-align:center}.toolsteps{grid-template-columns:1fr}}