:root{--blue:#083b77;--navy:#071d35;--gold:#f7b733;--light:#f4f8fc;--text:#1d2b36;--muted:#607386;--green:#16803a;--red:#b42318}*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);line-height:1.6;background:#fff}a{color:var(--blue);text-decoration:none}.wrap{max-width:1180px;margin:0 auto;padding:0 20px}.top{background:#fff;box-shadow:0 2px 18px rgba(0,0,0,.09);position:sticky;top:0;z-index:10}.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:76px}.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:22px;color:var(--navy)}.mark{background:var(--blue);color:#fff;border-radius:12px;padding:9px 11px}nav{display:flex;gap:14px;align-items:center;flex-wrap:wrap}nav a{font-weight:700;color:#18334d}.btn{display:inline-block;background:var(--gold);color:#111;padding:13px 20px;border-radius:999px;font-weight:800;box-shadow:0 8px 18px rgba(0,0,0,.15)}.btn.alt{background:#fff;color:var(--blue)}.btn.small{padding:9px 14px}.hero{background:linear-gradient(120deg,rgba(7,29,53,.96),rgba(8,59,119,.90)),url('/assets/water-bg.svg');color:#fff;padding:76px 0}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:36px;align-items:center}.eyebrow{color:#ffd166;font-weight:800;text-transform:uppercase;letter-spacing:.06em}.hero h1{font-size:52px;line-height:1.05;margin:10px 0 16px}.hero p{font-size:20px;color:#e8f2ff}.hero-card{background:#fff;color:var(--text);border-radius:24px;padding:28px;box-shadow:0 18px 45px rgba(0,0,0,.25)}.badges{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:22px}.badge{background:rgba(255,255,255,.13);border:1px solid rgba(255,255,255,.22);padding:13px;border-radius:14px;font-weight:800}.section{padding:58px 0}.section.light{background:var(--light)}h2{font-size:34px;line-height:1.15;margin:0 0 16px}h3{font-size:23px;margin:0 0 10px}.grid{display:grid;gap:20px}.grid.three{grid-template-columns:repeat(3,1fr)}.grid.two{grid-template-columns:repeat(2,1fr)}.card{background:#fff;border:1px solid #e2ebf3;border-radius:20px;padding:24px;box-shadow:0 10px 25px rgba(15,40,70,.07)}.trust{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.trust .item{background:#fff;border-radius:18px;padding:20px;text-align:center;font-weight:800;box-shadow:0 8px 22px rgba(0,0,0,.08)}.note{border-left:6px solid var(--gold);background:#fff8e7;padding:20px;border-radius:12px;font-weight:800}.warning{border-left:6px solid var(--red);background:#fff1ef;padding:18px;border-radius:12px}.green{color:var(--green);font-weight:800}.quote-frame{min-height:740px;background:#fff;border-radius:20px;overflow:hidden;box-shadow:0 12px 28px rgba(0,0,0,.12)}.quote-frame iframe{min-height:740px}.list{columns:2}.links{display:flex;gap:10px;flex-wrap:wrap}.links a,.mini-links a{display:inline-block;background:#eef5fb;padding:8px 12px;border-radius:999px;margin:4px;font-weight:700}.cta{background:var(--navy);color:#fff;border-radius:24px;padding:34px;display:flex;align-items:center;justify-content:space-between;gap:20px}.cta p{color:#d9e8f7}footer{background:#071d35;color:#dcecff;padding:45px 0}.foot{display:grid;grid-template-columns:1.2fr 1fr .7fr;gap:28px}footer a{color:#fff}.breadcrumbs{font-size:14px;margin-bottom:20px;color:var(--muted)}.content-page h1{font-size:44px;line-height:1.08;margin:0 0 14px}.content-page .lead{font-size:20px;color:#4b6072}.toc{background:#eef6ff;padding:20px;border-radius:18px}@media(max-width:850px){.hero-grid,.grid.three,.grid.two,.trust,.foot{grid-template-columns:1fr}.hero h1{font-size:38px}.nav{align-items:flex-start;flex-direction:column;padding:16px 20px}nav{font-size:14px}.cta{display:block}.list{columns:1}}