*{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Segoe UI',system-ui,-apple-system,Arial,sans-serif;color:#0b1f2a;line-height:1.65;background:#fff}
h1,h2,h3{color:#0e2a3a;font-weight:800;letter-spacing:-.01em;line-height:1.18}
a{color:#d9434e;text-decoration:none}
.wrap{max-width:840px;margin:0 auto;padding:0 22px}
.btn{display:inline-block;background:#d9434e;color:#fff;font-weight:800;padding:13px 26px;border-radius:9px;box-shadow:0 6px 20px rgba(217,67,78,.3);transition:transform .15s}
.btn:hover{transform:translateY(-2px)}.btn-navy{background:#0e2a3a}
header{background:#0e2a3a}
.nav{display:flex;align-items:center;justify-content:space-between;padding:13px 22px;max-width:1080px;margin:0 auto}
.logo{color:#fff;font-weight:800;font-size:1.2rem;display:flex;align-items:center;gap:9px}.logo .mark{width:30px;height:30px;background:linear-gradient(135deg,#d9434e,#ef5d5d);border-radius:8px;display:grid;place-items:center}
.crumb{background:#f5f8fa;font-size:.85rem;padding:11px 0;border-bottom:1px solid #e4ebef}.crumb a{color:#5a6b76}
.hero{background:linear-gradient(125deg,#0b1f2a,#0e3346);color:#fff;padding:52px 0}
.hero h1{color:#fff;font-size:clamp(1.9rem,4.6vw,2.8rem);margin-bottom:.3em}
.hero p{color:#cfe0e8;font-size:1.12rem;max-width:54ch;margin-bottom:20px}
section{padding:42px 0}
.capsule{background:#fff;border:1px solid #e4ebef;border-left:5px solid #d9434e;border-radius:12px;padding:22px 26px;box-shadow:0 8px 26px rgba(8,30,40,.06)}
.capsule h2{font-size:1.3rem;margin-bottom:.3em}.capsule p{color:#2e3f48;font-size:1.05rem}
h2{font-size:1.55rem;margin-bottom:.5em}.body p{color:#33404f;margin-bottom:14px;font-size:1.04rem}
ul.feat{list-style:none;margin:12px 0}ul.feat li{padding:7px 0 7px 28px;position:relative;color:#33404f}ul.feat li::before{content:"✓";position:absolute;left:0;color:#d9434e;font-weight:800}
.disclaimer{background:#f5f8fa;border:1px solid #e4ebef;border-radius:8px;padding:12px 16px;font-size:.85rem;color:#5a6b76;margin:18px 0}
.faq details{background:#fff;border:1px solid #e4ebef;border-radius:10px;padding:2px 18px;margin-bottom:10px}
.faq summary{cursor:pointer;font-weight:700;color:#0e2a3a;padding:14px 0;list-style:none}.faq summary::-webkit-details-marker{display:none}
.faq p{padding:0 0 14px;color:#33404f}
.cta-band{background:linear-gradient(120deg,#d9434e,#ef5d5d);text-align:center;padding:42px 0}.cta-band h2{color:#fff}.cta-band .btn{background:#0e2a3a;color:#fff;margin:6px}
footer{background:#081720;color:#8ba3ad;padding:30px 0;font-size:.85rem;text-align:center}footer a{color:#bcd3dd;margin:0 6px}