:root{--blue:#0c3e78;--blue2:#082d59;--orange:#ef9b24;--ink:#16263a;--soft:#f4f7fb;--white:#fff;--max:1160px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.65;background:#fff}a{color:var(--blue)}img{max-width:100%;height:auto}.container{width:min(var(--max),92%);margin:auto}.topbar{background:var(--blue2);color:#fff;font-size:.92rem}.topbar .container{display:flex;justify-content:space-between;gap:16px;padding:8px 0;flex-wrap:wrap}.topbar a{color:#fff;text-decoration:none}.site-header{position:sticky;top:0;z-index:20;background:#fff;border-bottom:1px solid #dce4ef}.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:96px;padding:8px 0}.brand{display:flex;align-items:center;flex:0 0 auto}.brand img{width:245px;max-height:72px;object-fit:contain;display:block}.menu{display:flex;gap:19px;align-items:center;flex-wrap:wrap}.menu a{text-decoration:none;color:var(--ink);font-weight:700;font-size:.95rem}.menu a:hover,.menu a.active{color:var(--orange)}.btn{display:inline-block;background:var(--orange);color:#13243a;text-decoration:none;padding:13px 20px;border-radius:7px;font-weight:800;border:0;cursor:pointer}.btn.blue{background:var(--blue);color:#fff}.hero{background:linear-gradient(90deg,rgba(5,37,76,.93),rgba(5,37,76,.70)),url('hero-btp.jpg') center 42%/cover;min-height:630px;display:flex;align-items:center;color:#fff}.hero h1{color:#fff;font-size:clamp(2.2rem,5vw,4.4rem);line-height:1.05;max-width:850px;margin:0 0 22px}.hero p{font-size:1.25rem;max-width:720px;color:#fff}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}.eyebrow{color:var(--orange);text-transform:uppercase;letter-spacing:.12em;font-weight:800}.section{padding:76px 0}.section.alt{background:var(--soft)}h1,h2,h3{line-height:1.2;color:var(--blue2)}h2{font-size:clamp(1.8rem,3vw,2.8rem);margin-top:0}.lead{font-size:1.18rem;max-width:820px}.grid{display:grid;gap:24px}.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}.card{background:#fff;border:1px solid #dfe6ef;border-radius:12px;padding:28px;box-shadow:0 8px 30px rgba(18,43,74,.06)}.card h3{margin-top:0}.icon{font-size:2rem}.band{background:var(--blue);color:#fff;padding:38px 0}.band h2,.band h3{color:#fff}.stats{text-align:center}.stats strong{font-size:2rem;color:var(--orange);display:block}.steps{counter-reset:step}.step{position:relative;padding-left:64px}.step:before{counter-increment:step;content:counter(step);position:absolute;left:0;top:0;width:44px;height:44px;border-radius:50%;background:var(--orange);display:grid;place-items:center;font-weight:900;color:var(--blue2)}.page-hero{background:linear-gradient(120deg,var(--blue2),var(--blue));color:#fff;padding:82px 0}.page-hero h1{color:#fff;font-size:clamp(2.2rem,4vw,3.7rem);margin:0 0 16px}.checklist{padding:0;list-style:none}.checklist li{padding:8px 0 8px 32px;position:relative}.checklist li:before{content:'✓';position:absolute;left:0;color:var(--orange);font-weight:900}.quote{border-left:5px solid var(--orange);padding:20px 25px;background:#fff;border-radius:8px}.form label{font-weight:700;display:block;margin:12px 0 6px}.form input,.form textarea,.form select{width:100%;padding:13px;border:1px solid #bfcddd;border-radius:7px;font:inherit}.form textarea{min-height:150px}.notice{font-size:.9rem;color:#52657c}.article-meta{color:#5c6b7a;font-size:.95rem}.footer{background:#071f3d;color:#d8e3ef;padding:48px 0 22px}.footer h3{color:#fff}.footer a{color:#fff}.footer-bottom{border-top:1px solid #35506f;margin-top:30px;padding-top:18px;font-size:.9rem}.pill{display:inline-block;background:#fff1db;color:#784600;padding:7px 12px;border-radius:999px;font-weight:800}.mobile-toggle{display:none}
@media(max-width:900px){.grid-4,.grid-3{grid-template-columns:repeat(2,minmax(0,1fr))}.menu{display:none}.mobile-toggle{display:block}.brand img{width:220px}.hero{min-height:560px}.grid-2{grid-template-columns:1fr}}
@media(max-width:620px){.grid-4,.grid-3{grid-template-columns:1fr}.section{padding:55px 0}.topbar .container{display:block}.hero h1{color:#fff;font-size:2.45rem}.hero p{font-size:1.08rem}}