*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:#1A2B44;line-height:1.65;background:#fff;font-size:17px}
a{color:#BE0000;text-decoration:none}a:hover{text-decoration:underline}img{max-width:100%}
.wrap{max-width:1080px;margin:0 auto;padding:0 24px}
.top{position:sticky;top:0;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid #e5e7eb;z-index:20}
.bar{max-width:1080px;margin:0 auto;padding:14px 24px;display:flex;align-items:center;justify-content:space-between;gap:16px}
.logo{font-weight:800;font-size:1.35rem;color:#1A2B44;letter-spacing:-.02em}.logo:hover{text-decoration:none}
nav{display:flex;gap:22px;align-items:center}nav a:not(.btn){color:#1A2B44;font-weight:600;font-size:.95rem}nav a:not(.btn):hover{color:#BE0000;text-decoration:none}
.mt{display:none}.burger{display:none;cursor:pointer;padding:10px;margin:-10px}.burger span{display:block;width:24px;height:2px;background:#1A2B44;margin:5px 0}
.btn{display:inline-block;background:#BE0000;color:#fff!important;padding:12px 22px;border-radius:10px;font-weight:700;border:0;cursor:pointer;font-size:1rem;line-height:1.2;text-align:center}
.btn:hover{background:#9B0000;text-decoration:none}.btn.alt{background:#1A2B44}.btn.alt:hover{background:#0f1b2e}
section{padding:64px 0}.hero{background:linear-gradient(135deg,#0f1b2e 0%,#1A2B44 60%,#2a1a2e 100%);color:#fff;padding:88px 0 72px}
.hero h1{font-size:clamp(2rem,5vw,3.25rem);line-height:1.12;margin:.2em 0 .4em;letter-spacing:-.02em;color:#fff}.hero p{color:#dbe3ee;max-width:760px;font-size:1.12rem}
.hero .eyebrow{color:#ff8a8a}.hero .ctas{margin-top:28px}.hero .ctas .btn{margin:0 12px 12px 0}.hero .btn.alt{background:transparent;border:2px solid #fff}
.plain{background:#fff}.alt{background:#f5f7fa}
h1,h2,h3{color:#1A2B44;line-height:1.2}h2{font-size:clamp(1.6rem,3.6vw,2.2rem);margin:0 0 .6em;letter-spacing:-.01em}h3{font-size:1.15rem;margin:1.2em 0 .3em}
.eyebrow{font-size:.78rem;letter-spacing:.14em;font-weight:800;color:#BE0000;margin:0 0 .4em;text-transform:uppercase}
p{margin:0 0 1em}p.lead{font-size:1.1rem;color:#475569;max-width:760px}h3.lead{font-size:1.5rem}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px;margin:24px 0}
.card{background:#fff;border:1px solid #e5e7eb;border-radius:14px;padding:24px;box-shadow:0 1px 2px rgba(15,27,46,.04)}.alt .card{border-color:#e2e8f0}
.card h3{margin-top:0}.card p{margin:0;color:#475569;font-size:.97rem}.card.case .badge{display:inline-block;background:#fdecec;color:#BE0000;font-weight:800;font-size:.72rem;letter-spacing:.1em;padding:4px 10px;border-radius:999px}
.card .meta{color:#64748b;font-size:.85rem;margin:0 0 .6em}
blockquote.quote{margin:0;display:flex;flex-direction:column;justify-content:space-between}blockquote.quote p{font-size:1rem;color:#1A2B44;font-style:italic}
blockquote.quote footer{margin-top:16px;display:grid;gap:2px;font-size:.88rem;color:#64748b;font-style:normal}blockquote.quote em{font-style:normal;font-size:.72rem;letter-spacing:.1em;color:#BE0000;font-weight:800}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:16px;margin:24px 0}.stat{background:#fff;border:1px solid #e5e7eb;border-radius:14px;padding:22px;text-align:center}
.hero .stat{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.18)}.stat .num{font-size:2rem;font-weight:800;color:#BE0000;line-height:1.1}.hero .stat .num{color:#fff}.stat .lab{font-size:.85rem;color:#64748b;margin-top:6px}.hero .stat .lab{color:#cbd5e1}
ul.list{list-style:none;padding:0;margin:12px 0 20px;display:grid;gap:8px}ul.list li{padding-left:26px;position:relative}ul.list li:before{content:"";position:absolute;left:0;top:.55em;width:10px;height:10px;border-radius:50%;background:#BE0000}ul.list li.cta{padding-left:0}ul.list li.cta:before{display:none}
.form{display:grid;gap:16px;max-width:600px;margin:20px 0}.form label{display:grid;gap:6px;font-weight:600;font-size:.95rem}
.form input,.form select,.form textarea{width:100%;padding:13px 14px;border:1px solid #cbd5e1;border-radius:10px;font:inherit;font-size:16px;background:#fff;color:#1A2B44}.form input:focus,.form select:focus,.form textarea:focus{outline:2px solid #BE0000;border-color:#BE0000}
.note{color:#64748b;font-size:.9rem}
footer{background:#0f1b2e;color:#cbd5e1;padding:48px 0 32px;font-size:.95rem}footer .logo{color:#fff;display:block;margin-bottom:8px}.certs span{display:inline-block;border:1px solid #334155;border-radius:999px;padding:4px 12px;margin:0 8px 8px 0;font-size:.82rem;color:#e2e8f0}
footer a{color:#fca5a5;display:block;padding:3px 0}footer h4{margin:0 0 8px;color:#fff}.cols{display:flex;gap:56px;flex-wrap:wrap;margin-top:24px}.small{font-size:.82rem;color:#94a3b8;margin-top:28px}
@media(max-width:820px){body{font-size:16px}.burger{display:block}
nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid #e5e7eb;flex-direction:column;align-items:stretch;gap:0;padding:8px 24px 20px}
nav a:not(.btn){padding:14px 0;border-bottom:1px solid #f1f5f9}nav .btn{margin-top:14px}.mt:checked~nav{display:flex}
section{padding:44px 0}.hero{padding:56px 0 48px}.cols{gap:28px}.grid{grid-template-columns:1fr}.hero .ctas .btn{display:block;margin:0 0 12px}.btn{padding:14px 20px}}
@media(max-width:380px){.wrap,.bar{padding-left:16px;padding-right:16px}.stats{grid-template-columns:1fr 1fr}}
.split{display:grid;grid-template-columns:1.25fr 1fr;gap:48px;align-items:center}
.panel{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.18);border-radius:18px;padding:28px;box-shadow:0 20px 50px rgba(0,0,0,.25)}
.panel h3{color:#fff;margin:.2em 0 .6em;font-size:1.4rem}.panel .mono{font-family:ui-monospace,Menlo,Consolas,monospace;font-size:.78rem;color:#94a3b8;letter-spacing:.06em;margin:0}.panel .ok{color:#6ee7b7;font-weight:700;letter-spacing:.08em;margin:0 0 18px}
.mini{display:grid;grid-template-columns:1fr 1fr;gap:12px}.mini div{background:rgba(255,255,255,.08);border-radius:12px;padding:14px}.mini span{display:block;font-size:.7rem;letter-spacing:.1em;color:#94a3b8;font-weight:700}.mini b{display:block;font-size:1.9rem;color:#fff;line-height:1.2}.mini small{color:#cbd5e1}
.ico{width:44px;height:44px;border-radius:12px;background:#fdecec;color:#BE0000;display:grid;place-items:center;font-size:1.1rem;margin-bottom:14px}
.card{transition:transform .15s,box-shadow .15s}.card:hover{transform:translateY(-3px);box-shadow:0 12px 30px rgba(15,27,46,.10)}
.compare{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:28px 0}.col{border-radius:16px;padding:28px}.col.bad{background:#fff5f5;border:1px solid #fecaca}.col.good{background:#f0fdf4;border:1px solid #bbf7d0}.col .eyebrow{margin:0}.col h3{margin:.2em 0 .8em;font-size:1.4rem}
.col ul{list-style:none;margin:0;padding:0;display:grid;gap:14px}.col li strong{display:block}.col li span{color:#475569;font-size:.95rem}
.callout{background:#1A2B44;color:#fff;border-radius:14px;padding:22px 26px;font-weight:600;font-size:1.1rem;margin:0}
.card.feature{margin:24px 0;padding:32px}.card.feature .badge{display:inline-block;background:#fdecec;color:#BE0000;font-weight:800;font-size:.72rem;letter-spacing:.1em;padding:4px 10px;border-radius:999px}
.card.feature blockquote{margin:12px 0 0}.card.feature .big{font-size:1.45rem;font-weight:700;line-height:1.35;color:#1A2B44}.card.feature footer span{color:#64748b}
.rows{display:grid;gap:18px;margin-top:24px}.row{display:grid;grid-template-columns:1fr auto 1fr;gap:20px;align-items:stretch}.row>div{border-radius:14px;padding:22px}
.row .risk{background:#fff5f5;border:1px solid #fecaca}.row .out{background:#f0fdf4;border:1px solid #bbf7d0}.row h3{margin-top:0}.row p{margin:0;color:#475569;font-size:.95rem}.row .eyebrow{color:#15803d}
.row .arrow{display:grid;place-items:center;font-size:1.6rem;color:#94a3b8;padding:0!important}
.dark{background:#0f1b2e;color:#e2e8f0}.dark h2{color:#fff}.dark p.lead{color:#cbd5e1}.dark .stat{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.14);text-align:left}.dark .stat .num{color:#fff;font-size:2.6rem}.dark .stat .num.small{font-size:1.9rem;padding:.35em 0}.dark .stat .lab{color:#fca5a5;font-weight:700;margin:6px 0 8px;font-size:.95rem}.dark .stat p{color:#cbd5e1;font-size:.92rem;margin:0}.dark .eyebrow{color:#ff8a8a}
.cta{background:linear-gradient(135deg,#BE0000,#7a0000);color:#fff;text-align:center;padding:72px 0}.cta h2{color:#fff}.cta p{max-width:680px;margin-left:auto;margin-right:auto;color:#ffe4e4}.cta .btn{background:#fff;color:#BE0000!important}.cta .btn.alt{background:transparent;color:#fff!important;border:2px solid #fff}.cta .note{color:#fecaca}
@media(max-width:820px){.split{grid-template-columns:1fr;gap:28px}.compare{grid-template-columns:1fr}.row{grid-template-columns:1fr}.row .arrow{transform:rotate(90deg);padding:0}.cta .btn{display:block;margin:0 0 12px}}

.eyebrow+ul.list,.eyebrow+p+ul.list{background:#fff;border:1px solid #e2e8f0;border-radius:16px;padding:22px 28px 22px 44px;box-shadow:0 8px 24px rgba(15,27,46,.07);margin-bottom:28px;max-width:760px}
.hero h2,.hero h3{color:#fff}
@media(max-width:820px){.eyebrow+ul.list{padding:18px 18px 18px 36px}}
p,li,h1,h2,h3,a,td{overflow-wrap:anywhere}.btn{max-width:100%}
.article{max-width:820px}.article h2{margin-top:2em}.article .answer{border-left:4px solid #BE0000;margin-bottom:24px}.meta{color:#cbd5e1!important;font-size:.95rem!important}