:root{
  --ink:#143a5e;--muted:#60788f;--cyan:#18cbd9;--teal:#0b7f86;--green:#16c77b;
  --yellow:#ffd84b;--line:#dce9ee;--bg:#eef4f6;--white:#fff;--soft:#f6fbfc;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;background:var(--bg);color:var(--ink);
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
}
a{color:inherit}.wrap{width:min(1080px,calc(100% - 32px));margin:auto}
.site-nav{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.95);backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.site-nav .wrap{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-size:21px;font-weight:950;color:#173e66}
.brand img{width:42px;height:42px;border-radius:12px}
.navlinks{display:flex;align-items:center;gap:18px;font-size:12px;font-weight:850}
.navlinks a{text-decoration:none}.navlinks a:hover{color:var(--teal)}
.btn{display:inline-flex;align-items:center;justify-content:center;border:0;border-radius:13px;padding:12px 16px;background:linear-gradient(135deg,#0fb19f,#159dc5);color:#fff;text-decoration:none;font-weight:950;cursor:pointer}
.btn.secondary{background:#fff;color:#24536d;border:1px solid var(--line)}
.breadcrumb{padding:18px 0 0;font-size:11px;font-weight:800;color:#7890a1}
.breadcrumb a{text-decoration:none}
.hero{background:radial-gradient(circle at 90% 8%,rgba(255,216,75,.48),transparent 21%),radial-gradient(circle at 5% 5%,rgba(24,203,217,.18),transparent 24%),#fff}
.hero .wrap{padding:62px 0 56px}
.eyebrow{display:inline-flex;padding:7px 10px;border-radius:999px;background:#e9fbfd;color:#087882;font-size:10px;font-weight:950;letter-spacing:.08em;text-transform:uppercase}
h1{max-width:900px;font-size:clamp(39px,6.5vw,68px);line-height:.96;letter-spacing:-.055em;margin:17px 0 18px}
.lead{max-width:790px;font-size:18px;line-height:1.65;color:var(--muted);font-weight:570}
.hero-actions{display:flex;gap:9px;flex-wrap:wrap;margin-top:23px}
.section{padding:60px 0;background:#fff}.section.alt{background:var(--soft)}
.head{max-width:790px;margin-bottom:27px}
h2{font-size:clamp(28px,4vw,44px);letter-spacing:-.04em;line-height:1.04;margin:0 0 10px}
.head p,.copy{color:var(--muted);line-height:1.72;margin:0}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}
.grid.two{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:19px;padding:22px;box-shadow:0 12px 30px rgba(16,61,84,.045)}
.card h3{margin:0 0 8px;font-size:18px}.card p{margin:0;color:var(--muted);line-height:1.65;font-size:14px}
.checks{display:grid;grid-template-columns:repeat(2,1fr);gap:10px 18px;padding:0;list-style:none}
.checks li{position:relative;padding-left:24px;color:#496579;line-height:1.55}
.checks li:before{content:"✓";position:absolute;left:0;color:#0ca17f;font-weight:1000}
.process{counter-reset:step}.process .card{position:relative;padding-top:52px}.process .card:before{counter-increment:step;content:counter(step);position:absolute;left:21px;top:18px;width:26px;height:26px;border-radius:50%;display:grid;place-items:center;background:#e8fbfa;color:#087f79;font-size:12px;font-weight:1000}
.faq{display:grid;gap:10px}.faq article{background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px}.faq h3{margin:0 0 6px;font-size:16px}.faq p{margin:0;color:var(--muted);line-height:1.65;font-size:14px}
.local-note{padding:18px 20px;border-left:4px solid var(--cyan);border-radius:12px;background:#f0fcfd;color:#496579;line-height:1.65}
.cta{padding:56px 0;text-align:center;background:linear-gradient(135deg,#0b6574,#0c8c8d);color:#fff}.cta h2{margin-bottom:10px}.cta p{max-width:690px;margin:0 auto 20px;opacity:.88;line-height:1.6}
.site-footer{background:#fff;border-top:1px solid var(--line);padding:28px 0;color:#71869a;font-size:12px}
.footer-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:22px}
.footer-title{font-weight:950;color:#244c68;margin-bottom:8px}.footer-links{display:grid;gap:6px}.footer-links a{text-decoration:none}
.article{max-width:820px}.article h2{margin-top:42px}.article h3{margin-top:27px}.article p,.article li{color:#566f82;line-height:1.75}.article ul{padding-left:22px}
.price-table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden}.price-table th,.price-table td{text-align:left;padding:14px;border-bottom:1px solid var(--line)}.price-table th{background:#f5fbfc;color:#31576e}
.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:20px}
.form-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:22px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:11px}.field.full{grid-column:1/-1}
.field label{display:block;margin-bottom:5px;font-size:11px;font-weight:900;color:#496579}.field input,.field textarea,.field select{width:100%;border:1px solid #d4e3e8;border-radius:12px;padding:11px 12px;font:inherit;font-size:13px;color:#264d65;background:#fbfeff}.field textarea{min-height:110px;resize:vertical}
.form-result{min-height:18px;margin-top:8px;font-size:12px;font-weight:850}.form-result.ok{color:#11865a}.form-result.err{color:#c94f5b}
@media(max-width:800px){
  .navlinks{display:none}.hero .wrap{padding:44px 0 42px}.section{padding:44px 0}
  .grid,.grid.two,.footer-grid,.contact-grid{grid-template-columns:1fr}.checks{grid-template-columns:1fr}
  .form-grid{grid-template-columns:1fr}.field.full{grid-column:auto}
}


/* Insights / editorial system */
.insights-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.insight-card{display:flex;flex-direction:column;gap:12px;background:#fff;border:1px solid var(--line);border-radius:22px;padding:24px;box-shadow:0 14px 34px rgba(16,61,84,.05)}
.insight-card .tag,.article-meta .tag{display:inline-flex;width:max-content;padding:6px 9px;border-radius:999px;background:#e9fbfd;color:#087882;font-size:10px;font-weight:950;letter-spacing:.07em;text-transform:uppercase}
.insight-card h2,.insight-card h3{margin:0;font-size:24px;line-height:1.08;letter-spacing:-.035em}
.insight-card p{margin:0;color:var(--muted);line-height:1.65;font-size:14px}
.insight-card .read-link{margin-top:auto;color:#087f86;font-weight:950;text-decoration:none;font-size:13px}
.article-meta{display:flex;align-items:center;gap:10px;flex-wrap:wrap;margin-top:18px;color:#71869a;font-size:12px;font-weight:800}
.article-shell{display:grid;grid-template-columns:minmax(0,820px) 230px;gap:38px;align-items:start}
.article-toc{position:sticky;top:96px;background:#f7fbfc;border:1px solid var(--line);border-radius:18px;padding:18px}
.article-toc strong{display:block;font-size:12px;color:#244c68;margin-bottom:10px;text-transform:uppercase;letter-spacing:.06em}
.article-toc a{display:block;text-decoration:none;color:#60788f;font-size:12px;line-height:1.45;padding:6px 0}
.article-toc a:hover{color:#0b7f86}
.article blockquote{margin:28px 0;padding:18px 20px;border-left:4px solid var(--cyan);background:#f2fcfd;border-radius:12px;color:#46657a;line-height:1.7}
.article .key-box{margin:28px 0;padding:20px;border:1px solid #cfe8e8;background:#f4fdfc;border-radius:17px}
.article .key-box strong{display:block;margin-bottom:7px;color:#17616a}
.article .inline-cta{margin:36px 0;padding:22px;border-radius:19px;background:linear-gradient(135deg,#0b6574,#0c8c8d);color:#fff}
.article .inline-cta h3{margin:0 0 8px;color:#fff}.article .inline-cta p{color:rgba(255,255,255,.86);margin:0 0 14px}
.article .inline-cta .btn{background:#fff;color:#17616a}
.article .decision-table{width:100%;border-collapse:separate;border-spacing:0;border:1px solid var(--line);border-radius:16px;overflow:hidden;margin:20px 0}
.article .decision-table th,.article .decision-table td{text-align:left;padding:13px;border-bottom:1px solid var(--line);vertical-align:top}
.article .decision-table th{background:#f5fbfc;color:#31576e}.article .decision-table tr:last-child td{border-bottom:0}
.latest-insights{padding:58px 0;background:#f6fbfc;border-top:1px solid #dceaf1}
.latest-insights .insight-home-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}
.latest-insights .insight-home-card{background:#fff;border:1px solid #dceaf1;border-radius:18px;padding:20px;display:flex;flex-direction:column;gap:10px;min-height:205px;box-shadow:0 12px 30px rgba(14,58,87,.05)}
.latest-insights .insight-home-card .kicker{font-size:10px;font-weight:950;letter-spacing:.08em;text-transform:uppercase;color:#0b8992}
.latest-insights .insight-home-card h3{font-size:19px;line-height:1.12;margin:0;color:#173e66}
.latest-insights .insight-home-card p{font-size:12px;line-height:1.55;margin:0;color:#667d94}
.latest-insights .insight-home-card a{margin-top:auto;font-size:12px;font-weight:950;color:#0b7f86;text-decoration:none}
@media(max-width:900px){.article-shell{grid-template-columns:1fr}.article-toc{position:static}.latest-insights .insight-home-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:800px){.insights-grid{grid-template-columns:1fr}.latest-insights .insight-home-grid{grid-template-columns:1fr}}