:root{--navy:#032b54;--navy2:#001f3f;--blue:#075fa7;--gold:#e7a82e;--ink:#10233c;--muted:#5f6f82;--line:#dbe3ec;--light:#f4f7fa;--white:#fff;--green:#2d7d32}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.55}
a{color:#075fa7;text-decoration:none}a:hover{text-decoration:underline}.container{width:min(1180px,calc(100% - 36px));margin:auto}
.site-header{background:#fff;border-bottom:1px solid #dfe6ee;position:sticky;top:0;z-index:50}.header-inner{display:flex;align-items:center;gap:26px;min-height:82px}
.brand img{width:220px;max-height:66px;object-fit:contain}.nav{display:flex;gap:23px;align-items:center;margin-left:auto}.nav a{font-weight:700;color:#0b2748;font-size:14px}.btn{display:inline-flex;align-items:center;justify-content:center;background:var(--gold);color:#111!important;padding:13px 22px;border-radius:5px;font-weight:800;border:0;cursor:pointer}.btn.alt{background:transparent;color:white!important;border:1px solid white}.btn.outline{background:white;border:1px solid var(--blue);color:var(--blue)!important}
.build{background:#eaf2f9;border-bottom:1px solid #d9e6f1;text-align:center;padding:4px;font-size:11px;color:#46627d;letter-spacing:.06em}
.hero{background:linear-gradient(105deg,#01284f,#075b98);color:#fff;padding:72px 0;position:relative;overflow:hidden}.hero:after{content:"";position:absolute;inset:0;background:radial-gradient(circle at 82% 35%,rgba(255,255,255,.2),transparent 25%),linear-gradient(140deg,transparent 58%,rgba(231,168,46,.2));pointer-events:none}
.hero .container{position:relative;z-index:2}.hero h1{font-size:clamp(40px,6vw,68px);line-height:1.03;margin:0 0 14px;max-width:760px}.hero h1 span,.gold{color:#f1b43c}.hero p{font-size:18px;max-width:670px}.actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:25px}
section{padding:54px 0}.section-title{text-align:center;font-size:30px;margin:0 0 30px}.grid5,.grid4,.grid3,.grid2{display:grid;gap:18px}.grid5{grid-template-columns:repeat(5,1fr)}.grid4{grid-template-columns:repeat(4,1fr)}.grid3{grid-template-columns:repeat(3,1fr)}.grid2{grid-template-columns:repeat(2,1fr)}
.card{border:1px solid var(--line);border-radius:8px;background:#fff;padding:24px;box-shadow:0 2px 9px rgba(4,39,75,.04)}.card h3{margin-top:0}.icon{font-size:32px;color:var(--blue)}.light{background:var(--light)}.navy{background:var(--navy);color:#fff}.navy a{color:#fff}
.stats{padding:25px 0}.stat{text-align:center;font-weight:800;font-size:18px}.stat small{display:block;font-weight:400;color:#d8e5f0}
.partners{background:#062e58;color:#fff}.partner-grid{display:grid;grid-template-columns:repeat(8,1fr);gap:10px}.partner{border:1px solid rgba(255,255,255,.35);padding:18px 8px;border-radius:6px;text-align:center;font-size:12px}.partner b{display:block;font-size:22px;color:var(--gold)}
footer{background:#02284d;color:#dbe7f1;padding:42px 0 20px}footer .footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:30px}footer a{color:#dbe7f1}footer img{width:220px;background:white;border-radius:5px}.fine{border-top:1px solid rgba(255,255,255,.15);margin-top:30px;padding-top:18px;font-size:12px}
.breadcrumb{font-size:13px;margin-bottom:18px}.page-hero{background:linear-gradient(110deg,#01284f,#075b98);color:white;padding:48px 0}.page-hero h1{font-size:44px;margin:0 0 10px}.page-hero p{max-width:760px;font-size:18px}
.tool-layout{display:grid;grid-template-columns:1fr 1.2fr;gap:24px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.field{display:flex;flex-direction:column;gap:6px}.field.full{grid-column:1/-1}label{font-weight:700;font-size:13px}input,select,textarea{width:100%;padding:12px;border:1px solid #cdd8e4;border-radius:5px;font:inherit}.result{background:#f4f8fc;border:1px solid #d8e5f1;border-radius:8px;padding:24px}.big-number{font-size:42px;color:#0758a1;font-weight:800}.breakdown{width:100%;border-collapse:collapse}.breakdown td{padding:7px 0;border-bottom:1px solid #dce5ed}.breakdown td:last-child{text-align:right}.source-note{font-size:12px;color:#5f6f82;background:#eef5fb;padding:12px;border-radius:5px;margin-top:14px}
.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:12px;counter-reset:step}.step{padding:18px;text-align:center;border:1px solid var(--line);border-radius:8px}.step:before{counter-increment:step;content:counter(step);display:grid;place-items:center;margin:0 auto 10px;width:34px;height:34px;border-radius:50%;background:var(--blue);color:#fff;font-weight:bold}
.resource-list a{display:block;padding:12px 0;border-bottom:1px solid var(--line)}.tag{display:inline-block;background:#e8f2fb;color:#075a9d;padding:4px 8px;border-radius:20px;font-size:11px;font-weight:bold}
.notice{border-left:4px solid var(--gold);background:#fff8e9;padding:14px 16px;margin:20px 0}.faq details{border-bottom:1px solid var(--line);padding:14px 0}.faq summary{font-weight:700;cursor:pointer}
.mobile-toggle{display:none;margin-left:auto;background:none;border:0;font-size:28px}
@media(max-width:900px){.mobile-toggle{display:block}.nav{display:none;position:absolute;top:82px;left:0;right:0;background:white;padding:20px;flex-direction:column;align-items:flex-start;border-bottom:1px solid var(--line)}.nav.open{display:flex}.grid5{grid-template-columns:repeat(2,1fr)}.grid4,.grid3{grid-template-columns:repeat(2,1fr)}.partner-grid{grid-template-columns:repeat(4,1fr)}.tool-layout{grid-template-columns:1fr}.steps{grid-template-columns:repeat(2,1fr)}footer .footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.container{width:min(100% - 24px,1180px)}.brand img{width:175px}.hero{padding:48px 0}.hero h1{font-size:42px}.grid5,.grid4,.grid3,.grid2,.form-grid{grid-template-columns:1fr}.partner-grid{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:1fr}footer .footer-grid{grid-template-columns:1fr}.page-hero h1{font-size:36px}}