@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@700;800;900&family=Open+Sans:wght@400;600&display=swap');
*{box-sizing:border-box;margin:0;padding:0}:root{--navy:#0d1f3c;--gold:#f0a500;--gold2:#dc9500;--border:#dde1e8;--soft:#f4f6f9;--text:#374151;--white:#fff}body{font-family:'Open Sans',Arial,sans-serif;background:#fff;color:var(--navy);line-height:1.6;padding-bottom:58px}a{text-decoration:none;color:inherit}.wrap{max-width:1080px;width:92%;margin:0 auto}header{background:#fff;border-bottom:1px solid var(--border);position:sticky;top:0;z-index:99}.hdr{display:flex;align-items:center;justify-content:space-between;height:70px;gap:12px}.logo{font-family:'Montserrat',Arial,sans-serif;font-weight:900;font-size:20px;letter-spacing:.06em;text-transform:uppercase}.nav-mini{display:flex;gap:18px;font-size:13px;color:var(--text);font-weight:700}.hdr-mid{display:flex;flex-direction:column;align-items:center}.speak{font-size:10px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:#6b7280}.hphone{font-family:'Montserrat',Arial,sans-serif;font-weight:800;font-size:20px}.btn-gold,.btn-call-hero,.btn-sub,.btn-call-lg{background:var(--gold);color:var(--navy);font-family:'Montserrat',Arial,sans-serif;font-weight:900;text-transform:uppercase;border-radius:5px;display:inline-flex;align-items:center;justify-content:center;border:0}.btn-gold{font-size:13px;letter-spacing:.07em;padding:0 20px;height:44px}.btn-gold:hover,.btn-call-hero:hover,.btn-sub:hover,.btn-call-lg:hover{background:var(--gold2)}.hero{padding:56px 0 48px}.hero-g{display:grid;grid-template-columns:1fr 400px;gap:48px;align-items:start}.hero-h1{font-family:'Montserrat';font-weight:900;font-size:54px;line-height:1;letter-spacing:-.02em;margin-bottom:14px}.hero-sub{font-size:16px;color:var(--text);margin-bottom:28px;max-width:520px}.btn-call-hero{gap:10px;font-size:15px;letter-spacing:.05em;height:54px;max-width:380px;width:100%;margin-bottom:12px}.btn-outline-hero{display:flex;align-items:center;justify-content:center;height:48px;max-width:380px;width:100%;border:2px solid var(--navy);border-radius:5px;font-family:'Montserrat';font-weight:800;text-transform:uppercase;letter-spacing:.06em}.btn-outline-hero:hover{background:var(--navy);color:#fff}.trust{display:flex;flex-wrap:wrap;gap:18px;margin-top:22px}.tbadge{display:flex;align-items:center;gap:7px}.tbadge-ic{width:32px;height:32px;border:1.5px solid var(--border);border-radius:50%;display:flex;align-items:center;justify-content:center}.tbadge-title{font-family:'Montserrat';font-weight:800;font-size:11px;text-transform:uppercase;line-height:1.2}.tbadge-sub{font-size:11px;color:var(--text)}.qcard{border:1px solid var(--border);border-radius:10px;box-shadow:0 6px 32px rgba(13,31,60,.12);padding:28px 24px}.qcard-h{font-family:'Montserrat';font-weight:800;font-size:20px;text-align:center;line-height:1.25;margin-bottom:4px}.qcard-sub{text-align:center;color:var(--text);font-size:14px;margin-bottom:18px}.qform{display:flex;flex-direction:column;gap:10px}.qform input,.qform select,.qform textarea{border:1.5px solid var(--border);border-radius:5px;padding:0 12px;font-size:15px;font-family:'Open Sans';color:var(--navy);outline:none;width:100%}.qform input,.qform select{height:46px}.qform textarea{height:76px;padding-top:10px;resize:vertical}.btn-sub{height:52px;font-size:14px;letter-spacing:.08em;width:100%;cursor:pointer}.qsec{text-align:center;font-size:13px;color:var(--text);margin-top:10px}.need{background:var(--soft);padding:50px 0;border-top:1px solid var(--border);border-bottom:1px solid var(--border)}.need-g{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:center}.need-g h2,.section-h{font-family:'Montserrat';font-weight:800;font-size:26px;margin-bottom:14px}.need-g p{font-size:15px;color:var(--text);margin-bottom:12px}.cklist{list-style:none;display:flex;flex-direction:column;gap:14px}.cklist li{display:flex;align-items:center;gap:12px;font-family:'Montserrat';font-weight:700;font-size:16px}.ckdot{width:22px;height:22px;background:var(--navy);border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;font-size:13px}.features{background:#fff;border-bottom:1px solid var(--border)}.feat-g{display:grid;grid-template-columns:repeat(4,1fr)}.feat-col{padding:40px 20px;text-align:center;border-right:1px solid var(--border)}.feat-col:last-child{border-right:none}.feat-icon{height:56px;font-size:36px;margin-bottom:14px}.feat-col h3{font-family:'Montserrat';font-weight:900;font-size:12px;letter-spacing:.1em;text-transform:uppercase;margin-bottom:8px}.feat-col p{font-size:14px;color:var(--text)}.how,.faq{padding:56px 0}.faq{border-top:1px solid var(--border)}.how-h,.faq-h{font-family:'Montserrat';font-weight:800;font-size:28px;text-align:center;margin-bottom:34px}.steps-g{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.step{text-align:center}.step-num{width:42px;height:42px;border-radius:50%;background:var(--navy);color:#fff;font-family:'Montserrat';font-weight:900;font-size:18px;display:flex;align-items:center;justify-content:center;margin:0 auto 14px}.step h3{font-family:'Montserrat';font-size:14px;margin-bottom:6px}.step p{font-size:13px;color:var(--text)}.faq-g{display:grid;grid-template-columns:1fr 1fr;gap:10px}.faq-item{border:1px solid var(--border);border-radius:6px;overflow:hidden}.faq-row{display:flex;justify-content:space-between;padding:14px 18px;cursor:pointer;gap:8px}.faq-row span{font-size:14px;font-weight:600}.faq-plus{width:26px;height:26px;border:1.5px solid var(--border);border-radius:50%;display:flex;align-items:center;justify-content:center}.faq-item.open .faq-plus{transform:rotate(45deg)}.faq-ans{display:none;padding:12px 18px 14px;font-size:14px;color:var(--text);border-top:1px solid var(--border)}.faq-item.open .faq-ans{display:block}.bcta{padding:48px 0;border-top:1px solid var(--border)}.bcta-row{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}.bcta-left{display:flex;align-items:center;gap:18px}.bcta-circle{width:66px;height:66px;background:var(--navy);border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;font-size:30px}.bcta-txt h2{font-family:'Montserrat';font-size:26px}.bcta-txt p{font-size:14px;color:var(--text)}.bcta-right{display:flex;flex-direction:column;align-items:center;gap:10px}.btn-call-lg{height:50px;padding:0 24px;letter-spacing:.05em}.link-q{font-family:'Montserrat';font-weight:800;font-size:12px;text-transform:uppercase;text-decoration:underline}.sfoot{position:fixed;bottom:0;left:0;right:0;height:58px;background:var(--navy);display:flex;align-items:center;z-index:200}.sfoot-row{display:flex;align-items:center;justify-content:space-between;max-width:1080px;width:92%;margin:0 auto}.sfoot-btn{display:flex;align-items:center;gap:10px;color:#fff;font-family:'Montserrat';font-weight:800;font-size:13px;letter-spacing:.06em;text-transform:uppercase}.sfoot-div{width:1px;height:26px;background:rgba(255,255,255,.3)}.preview-hero{background:var(--soft);padding:72px 0}.preview-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:28px}.preview-card{background:#fff;border:1px solid var(--border);border-radius:10px;box-shadow:0 6px 22px rgba(13,31,60,.08);padding:24px;display:flex;flex-direction:column;gap:10px}.preview-card h2{font-family:'Montserrat';font-size:22px}.tag{display:inline-flex;align-self:flex-start;font-size:11px;text-transform:uppercase;letter-spacing:.09em;font-weight:800;background:#fff7e6;border:1px solid #f2d99d;border-radius:999px;padding:5px 9px}.mini-note{font-size:13px;color:var(--text)}.article{padding:50px 0}.article-grid{display:grid;grid-template-columns:1fr 310px;gap:40px}.article h1{font-family:'Montserrat';font-size:44px;line-height:1.05;margin-bottom:14px}.article h2{font-family:'Montserrat';font-size:24px;margin:28px 0 10px}.answer-box{background:#fff7e6;border:1px solid #f2d99d;border-radius:10px;padding:18px;margin:22px 0}.article p,.article li{color:var(--text);margin-bottom:12px}.side-cta{position:sticky;top:90px;background:#fff;border:1px solid var(--border);border-radius:10px;padding:22px;box-shadow:0 6px 22px rgba(13,31,60,.08)}@media(max-width:820px){.hero-g,.need-g,.article-grid{grid-template-columns:1fr}.hero-h1{font-size:42px}.feat-g{grid-template-columns:repeat(2,1fr)}.feat-col:nth-child(2){border-right:none}.steps-g{grid-template-columns:repeat(2,1fr)}.faq-g,.preview-grid{grid-template-columns:1fr}.hdr-mid,.nav-mini{display:none}.bcta-row,.bcta-left{flex-direction:column;text-align:center}}