:root{
  --ink:#0c1e27;--muted:#61737b;--line:#dce8ec;--air:#e9f8fb;--ice:#f7fbfc;
  --brand:#155c73;--brand2:#5cc6d0;--dark:#092630;--white:#fff;--shadow:0 24px 70px rgba(15,74,91,.12)
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fff}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
.wrap{width:min(1180px,calc(100% - 44px));margin:auto}
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.9);backdrop-filter:blur(18px);border-bottom:1px solid rgba(220,232,236,.85)}
.nav{height:74px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.logo{display:flex;align-items:center;gap:10px;font-size:29px;font-weight:900;letter-spacing:-.055em}
.mark{width:34px;height:34px;border-radius:13px 13px 13px 5px;background:conic-gradient(from 10deg,#155c73,#89e2e2,#1f7e96,#155c73);transform:rotate(12deg);box-shadow:0 8px 26px rgba(35,139,160,.22)}
.navlinks{display:flex;align-items:center;gap:24px;font-size:14px;color:#40545d}
.navlinks a:hover{color:var(--brand)}
.pill{padding:12px 18px;border-radius:999px;background:var(--dark);color:#fff!important;font-weight:800}
.hero{position:relative;overflow:hidden;padding:92px 0 74px;background:radial-gradient(circle at 80% 12%,#d9f8fb 0,transparent 28%),linear-gradient(180deg,#fff,#f8fcfd)}
.hero:after{content:"";position:absolute;right:-220px;top:240px;width:780px;height:190px;border-radius:50%;border:1px solid rgba(38,142,163,.13);box-shadow:0 0 80px rgba(48,184,201,.10);transform:rotate(-12deg)}
.heroGrid{display:grid;grid-template-columns:1.08fr .92fr;gap:68px;align-items:center;position:relative;z-index:2}
.kicker{font-size:12px;letter-spacing:.16em;text-transform:uppercase;font-weight:900;color:#2a768a}
h1{font-size:clamp(56px,7vw,88px);line-height:.94;letter-spacing:-.07em;margin:16px 0 22px}
h1 em{font-style:normal;color:#27859b}
.lead{font-size:20px;line-height:1.58;color:var(--muted);max-width:700px}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:15px 21px;border:1px solid var(--line);border-radius:14px;font-weight:850}
.btn.primary{background:var(--dark);border-color:var(--dark);color:#fff}
.heroCard{background:rgba(255,255,255,.9);border:1px solid #fff;border-radius:34px;padding:30px;box-shadow:var(--shadow)}
.heroStat{display:flex;align-items:flex-end;justify-content:space-between;gap:18px}
.big{font-size:68px;font-weight:300;letter-spacing:-.075em}
.scorePill{background:var(--dark);color:#fff;padding:13px 15px;border-radius:16px;font-weight:850}
.line{height:1px;background:var(--line);margin:22px 0}
.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.fact{padding:14px;border-radius:15px;background:var(--ice)}
.fact b{display:block;font-size:19px}
.fact small,.meta{color:var(--muted)}
.trust{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:18px 0}
.trustrow{display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap;color:#566b74;font-size:13px}
.trustrow b{color:var(--ink)}
.section{padding:88px 0}
.soft{background:var(--ice)}
h2{font-size:clamp(38px,5vw,58px);letter-spacing:-.055em;line-height:1.02;margin:0 0 15px}
.sub{font-size:18px;line-height:1.6;color:var(--muted);max-width:760px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:32px}
.card{background:#fff;border:1px solid var(--line);border-radius:24px;padding:24px;box-shadow:0 7px 22px rgba(25,71,83,.03);transition:.2s}
.card:hover{transform:translateY(-3px);box-shadow:0 18px 46px rgba(25,71,83,.08)}
.tag{display:inline-flex;padding:6px 10px;border-radius:999px;background:var(--air);color:#246b7c;font-size:11px;font-weight:900;text-transform:uppercase;letter-spacing:.07em}
.card h3{font-size:23px;letter-spacing:-.035em;margin:16px 0 8px}
.cardfoot{margin-top:20px;padding-top:16px;border-top:1px solid var(--line);display:flex;justify-content:space-between;font-size:14px;font-weight:800}
.scoreNum{font-size:46px;font-weight:320;letter-spacing:-.06em;margin-top:18px}
.scoreNum small{font-size:14px;font-weight:700}
.match{background:var(--dark);color:#fff;border-radius:34px;padding:42px;display:grid;grid-template-columns:1fr .9fr;gap:36px;align-items:center}
.match .sub{color:#bfd0d6}
.form{background:#fff;color:var(--ink);padding:22px;border-radius:22px}
.form label{display:block;font-size:12px;font-weight:900;margin:12px 0 6px}
.form input,.form select{width:100%;border:1px solid var(--line);border-radius:12px;padding:13px;background:#fff}
.form button{width:100%;border:0;border-radius:12px;padding:14px;margin-top:14px;background:#8ce0df;color:#08303c;font-weight:900}
.guidegrid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:18px;margin-top:30px}
.guide{min-height:245px;border:1px solid var(--line);border-radius:26px;padding:25px;display:flex;flex-direction:column;justify-content:flex-end;background:linear-gradient(145deg,#dff7fa,#fff)}
.guide:first-child{min-height:320px}
.guide h3{font-size:26px;letter-spacing:-.04em;margin:9px 0}
.guide p{margin:0;color:var(--muted)}
.heroSmall{padding:72px 0 46px;background:linear-gradient(180deg,#fff,#f8fcfd)}
.heroSmall h1{font-size:clamp(48px,7vw,74px)}
.article{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:46px}
.prose{font-size:18px;line-height:1.75}
.prose h2{font-size:38px;margin-top:46px}
.prose h3{font-size:26px;margin-top:30px}
.sidebar{position:sticky;top:100px;height:max-content;background:var(--ice);border:1px solid var(--line);border-radius:22px;padding:20px}
.table{width:100%;border-collapse:collapse;margin-top:22px}
.table th,.table td{text-align:left;padding:13px;border-bottom:1px solid var(--line);font-size:14px}
.table th{color:var(--muted)}
.breadcrumbs{font-size:13px;color:var(--muted);margin-bottom:18px}
.ctaBand{padding:80px 0;background:linear-gradient(135deg,#092630,#155263);color:#fff;text-align:center}
.ctaBand h2{max-width:820px;margin:0 auto 16px}
.ctaBand p{color:#c2d2d6}
.ctaBand .btn{background:#fff;color:var(--dark);border:0}
footer{padding:52px 0;border-top:1px solid var(--line)}
.foot{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px;color:var(--muted);font-size:14px}
@media(max-width:900px){
  .navlinks{display:none}.heroGrid,.match,.article{grid-template-columns:1fr}.grid3,.guidegrid{grid-template-columns:1fr}.facts{grid-template-columns:1fr 1fr}.foot{grid-template-columns:1fr}
  .sidebar{position:static}.hero{padding-top:60px}h1{font-size:58px}
}