:root{--bg:#f6f4ef;--surface:#fff;--ink:#1d2733;--muted:#5a6675;--navy:#14304f;--navy2:#1d4570;--accent:#c8872b;--line:#e2ded5;--r:10px}
@media (prefers-color-scheme:dark){:root{--bg:#10171f;--surface:#18222d;--ink:#e7ebf0;--muted:#9aa7b6;--navy:#0c1a2a;--navy2:#5f93c9;--accent:#e0a447;--line:#283443}}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif}
a{color:var(--navy2)}a:hover{color:var(--accent)}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header.site{background:var(--navy);color:#fff;position:sticky;top:0;z-index:20}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px}
.brand{color:#fff;text-decoration:none;font-weight:700;letter-spacing:.01em;display:flex;align-items:center;gap:10px}
.brand svg{width:30px;height:30px;flex:none}
.brand small{display:block;font-weight:400;font-size:.72rem;opacity:.75;letter-spacing:.04em;text-transform:uppercase}
nav ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;flex-wrap:wrap}
nav a{color:#fff;text-decoration:none;padding:8px 11px;border-radius:6px;font-size:.93rem;display:block}
nav a:hover,nav a[aria-current]{background:rgba(255,255,255,.14);color:#fff}
.menu-btn{display:none;background:none;border:1px solid rgba(255,255,255,.4);color:#fff;border-radius:6px;padding:7px 12px;font:inherit;cursor:pointer}
@media(max-width:860px){.menu-btn{display:block}nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--navy);padding:8px 20px 16px}nav.open{display:block}nav ul{flex-direction:column}}
.hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:84px 0 76px}
.hero h1{font-size:clamp(2rem,5vw,3.2rem);line-height:1.15;margin:0 0 16px;max-width:18ch}
.hero p{font-size:1.15rem;max-width:56ch;opacity:.92;margin:0 0 28px}
.btn{display:inline-block;background:var(--accent);color:#1b1305;text-decoration:none;font-weight:600;padding:12px 22px;border-radius:8px;border:0;cursor:pointer;font:inherit;font-weight:600}
.btn:hover{filter:brightness(1.08);color:#1b1305}
.btn.ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.55);margin-left:8px}
.btn.ghost:hover{background:rgba(255,255,255,.12);color:#fff}
.hero .btn{margin-bottom:8px}
main{padding:56px 0 72px}
h1.page{font-size:clamp(1.7rem,4vw,2.4rem);margin:0 0 8px;color:var(--navy2);line-height:1.2}
.lead{color:var(--muted);font-size:1.12rem;margin:0 0 32px;max-width:62ch}
h2{font-size:1.45rem;margin:2.2em 0 .5em;color:var(--navy2)}
h3{font-size:1.1rem;margin:1.6em 0 .3em}
.grid{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:22px;text-decoration:none;color:inherit;display:block;transition:transform .15s,box-shadow .15s}
a.card:hover{transform:translateY(-3px);box-shadow:0 8px 22px rgba(0,0,0,.09);color:inherit}
.card svg{width:34px;height:34px;color:var(--accent);margin-bottom:10px}
.card h3{margin:.1em 0 .3em}.card p{margin:0;color:var(--muted);font-size:.96rem}
.panel{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:24px 26px;margin:0 0 20px}
.panel h2{margin-top:0}
ul.tick{list-style:none;padding:0;margin:.5em 0}
ul.tick li{padding:5px 0 5px 28px;position:relative}
ul.tick li::before{content:"";position:absolute;left:3px;top:.8em;width:12px;height:7px;border-left:2.5px solid var(--accent);border-bottom:2.5px solid var(--accent);transform:rotate(-45deg) translateY(-50%)}
.cols{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.band{background:var(--surface);border-block:1px solid var(--line);padding:44px 0;margin-top:56px}
.alert{background:#fff4e0;color:#4a3410;border-left:4px solid var(--accent);padding:14px 18px;border-radius:6px;margin:0 0 24px}
@media (prefers-color-scheme:dark){.alert{background:#2b2312;color:#f0dcb5}}
table{width:100%;border-collapse:collapse;background:var(--surface);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;font-size:.95rem}
th,td{padding:10px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}th{background:var(--bg)}
.tablewrap{overflow-x:auto}
footer.site{background:var(--navy);color:#cfd8e3;padding:36px 0 28px;font-size:.92rem}
footer.site a{color:#fff}
footer.site .cols{grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
footer.site h4{margin:0 0 8px;color:#fff;font-size:.95rem}
footer.site p{margin:.2em 0}
.copy{border-top:1px solid rgba(255,255,255,.15);margin-top:22px;padding-top:16px;display:flex;flex-wrap:wrap;gap:8px 20px;justify-content:space-between}
.linkbtn{background:none;border:0;color:#fff;text-decoration:underline;cursor:pointer;font:inherit;padding:0}
/* cookie banner */
#ck{position:fixed;left:16px;right:16px;bottom:16px;z-index:100;max-width:720px;margin:0 auto;background:var(--surface);color:var(--ink);border:1px solid var(--line);border-radius:12px;box-shadow:0 12px 40px rgba(0,0,0,.28);padding:20px 22px;display:none}
#ck.show{display:block}
#ck h2{font-size:1.1rem;margin:0 0 6px;color:var(--ink)}
#ck p{margin:0 0 12px;font-size:.93rem;color:var(--muted)}
#ck .row{display:flex;flex-wrap:wrap;gap:10px}
#ck .btn{padding:10px 18px;font-size:.93rem}
#ck .btn.sec{background:transparent;color:var(--ink);border:1px solid var(--muted)}
#ck .opts{display:none;margin:0 0 14px;border-top:1px solid var(--line)}
#ck .opts.show{display:block}
#ck label{display:flex;gap:12px;align-items:flex-start;padding:10px 0;border-bottom:1px solid var(--line);font-size:.92rem}
#ck label small{display:block;color:var(--muted)}
#ck input{margin-top:5px;width:18px;height:18px;accent-color:var(--accent)}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px}