*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:17px/1.7 -apple-system,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;color:#14202e;background:#fbfaf6}
a{color:#0b6e78}.w{max-width:1100px;margin:0 auto;padding:0 22px}
header{background:#07182b;color:#fff}header .w{display:flex;justify-content:space-between;align-items:center;padding-top:16px;padding-bottom:16px;gap:14px;flex-wrap:wrap}
.logo{font:700 24px Georgia,'Times New Roman',serif;color:#fff;text-decoration:none;letter-spacing:.5px}.logo i{color:#2ec4b6;font-style:normal}
nav a{color:#c9d6e3;text-decoration:none;margin-left:22px;font-size:15px}nav a:hover{color:#fff}
.hero{background:#07182b;color:#fff;padding:70px 0 90px}.hero .w{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.eye{color:#2ec4b6;letter-spacing:.18em;text-transform:uppercase;font-size:13px;font-weight:700}
h1,h2{font-family:Georgia,'Times New Roman',serif;font-weight:700;line-height:1.12}h1{font-size:clamp(34px,5.4vw,58px);margin:14px 0 18px}h2{font-size:32px;margin:0 0 14px}h3{margin:24px 0 6px;font-size:20px}
.lead{font-size:20px;color:#c9d6e3;max-width:560px}.btn{display:inline-block;background:#2ec4b6;color:#07182b;padding:13px 26px;border-radius:999px;text-decoration:none;font-weight:700;border:0;font-size:17px;cursor:pointer;margin:18px 12px 0 0}.btn.o{background:transparent;color:#fff;border:2px solid #4b6a85}
.risk{background:#fff1ec;border-left:6px solid #ff7a59;padding:16px 22px;margin:-46px auto 0;position:relative;max-width:1056px;border-radius:6px;box-shadow:0 8px 24px rgba(7,24,43,.12)}
.rows{margin:40px 0}.row{display:grid;grid-template-columns:70px 1fr 120px;gap:20px;padding:22px 0;border-bottom:1px solid #ddd6c8;align-items:start}.row b{font:700 30px Georgia,serif;color:#2ec4b6}.row h3{margin:0 0 4px}.row p{margin:0}
.band{background:#0d2a45;color:#fff;padding:56px 0;margin:50px 0 0}.band ul{columns:2;gap:40px;padding-left:20px}.band li{margin-bottom:10px}
details{border-bottom:1px solid #ddd6c8;padding:14px 0}summary{cursor:pointer;font-weight:700}
.side{display:grid;grid-template-columns:220px 1fr;gap:40px;margin:40px 0}.toc{position:sticky;top:20px;align-self:start}.toc a{display:block;padding:6px 0;text-decoration:none;color:#14202e;border-bottom:1px solid #ddd6c8}
input,textarea{width:100%;padding:12px;margin:6px 0 14px;border:1px solid #b9b3a3;border-radius:8px;font:inherit}.hp{position:absolute;left:-9999px}
footer{background:#07182b;color:#c9d6e3;padding:34px 0;margin-top:0;font-size:15px}footer a{color:#fff;margin-right:18px}.small{font-size:14px;opacity:.85}.pad{padding:40px 0}
@media(max-width:800px){.hero .w,.side{grid-template-columns:1fr}.row{grid-template-columns:50px 1fr}.row a{grid-column:2}.band ul{columns:1}.toc{position:static}}