*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:90px}body{margin:0;background:#f3f6fa;color:#172337;font:16px/1.75 -apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}a{color:#2359a7;text-underline-offset:4px}a:focus-visible,button:focus-visible{outline:3px solid #ffb84d;outline-offset:5px}header{background:#fffdf9;border-bottom:1px solid #dce3eb}header .bar{max-width:1200px;margin:auto;padding:22px 28px;display:flex;align-items:center;justify-content:space-between;gap:18px}.brand{text-decoration:none;font-size:22px;font-weight:800;color:#172337}.brand span{background:#ffcc72;border-radius:12px;padding:6px 10px;margin-right:8px}.toplinks{display:flex;gap:22px;font-size:14px}.toplinks a{text-decoration:none}.wrap{max-width:1200px;margin:auto;padding:45px 28px 70px}.eyebrow{font-size:12px;letter-spacing:2px;text-transform:uppercase;color:#527086;font-weight:700}h1{font-size:clamp(36px,5vw,64px);line-height:1.08;letter-spacing:-2px;max-width:900px;margin:22px 0}h2{font-size:23px;line-height:1.35;letter-spacing:-.4px;margin:0 0 18px}.lead{font-size:19px;color:#5b687c;max-width:680px;line-height:1.65}.meta{display:flex;gap:14px;flex-wrap:wrap;font-size:13px;color:#5a697b;margin:24px 0 36px}.pill{background:#e5edf6;padding:4px 12px;border-radius:30px}.hero{padding:22px 0 26px}.hero-grid{display:grid;grid-template-columns:1fr 270px;align-items:center;gap:36px}.seal{background:#182e45;color:#fff;border-radius:28px;padding:28px;transform:rotate(3deg);box-shadow:12px 16px 0 #e0e7ee}.seal b{display:block;font-size:44px;color:#ffcf7e;line-height:1.2}.seal p{font-size:15px;color:#c8d5e1;margin-bottom:0}.grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.card{display:block;text-decoration:none;color:inherit;background:white;border:1px solid #dce3eb;border-radius:20px;padding:26px;transition:transform .15s,border-color .15s}.card:hover{transform:translateY(-3px);border-color:#86a6cc}.card .num{font-size:12px;color:#66819a;letter-spacing:1px}.card h2{margin:14px 0 8px}.card p{color:#657185;margin:0;font-size:15px}.card .arrow{float:right;color:#2359a7}.layout{display:grid;grid-template-columns:250px minmax(0,1fr);gap:34px;align-items:start}.toc{position:sticky;top:25px;font-size:14px}.toc a{display:block;text-decoration:none;color:#5c6c80;border-left:2px solid #d7e1eb;padding:8px 14px}.toc a:hover{color:#2359a7;border-color:#2359a7}.toc b{display:block;margin-bottom:14px;font-size:12px;letter-spacing:1px}.paper{background:#fff;border:1px solid #dce3eb;border-radius:24px;padding:40px 46px}.paper section+section{border-top:1px solid #e9edf2;padding-top:28px;margin-top:28px}.paper p{margin:0;color:#344358;overflow-wrap:anywhere}.paper h2 .index{color:#8c9db0;margin-right:10px;font-size:16px}.note{margin-top:28px;padding:24px 28px;background:#e6edf4;border-radius:18px;color:#43566e}.note strong{color:#172337}.prices{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:0 0 20px}.prices div{background:#f1f5fa;padding:14px;border-radius:12px}.prices strong{display:block;font-size:23px}.prices span{font-size:13px}footer{max-width:1200px;margin:auto;padding:26px 28px 45px;border-top:1px solid #dce3eb;display:flex;justify-content:space-between;gap:20px;color:#657185;font-size:13px}button{font:inherit;border:1px solid #cdd8e5;border-radius:9px;background:white;color:#2359a7;cursor:pointer;padding:6px 13px}.back{font-size:14px;text-decoration:none}.skip{position:absolute;left:-10000px}.skip:focus{left:20px;top:20px;background:white;padding:10px;z-index:4}@media(max-width:760px){header .bar{padding:18px 20px}.toplinks{gap:12px}.toplinks a:first-child{display:none}.wrap{padding:30px 20px 45px}.hero-grid,.layout{grid-template-columns:1fr}.seal{display:none}.grid{grid-template-columns:1fr}.toc{position:static;max-height:220px;overflow:auto}.paper{padding:25px 22px;border-radius:18px}h1{letter-spacing:-1px}.lead{font-size:17px}.prices{gap:6px}.prices div{padding:9px}.prices strong{font-size:20px}footer{flex-direction:column}.card{padding:23px}}@media print{header,.toc,.toplinks,button,.back,footer{display:none}.wrap{padding:0;max-width:none}.layout{display:block}.paper{border:0;padding:0}body{background:white;font-size:11pt}.paper section{break-inside:avoid}h1{font-size:30pt}.meta{margin:15px 0}a{color:inherit;text-decoration:none}}