:root{--navy:#071d33;--navy-2:#0b2945;--blue:#0c4f87;--blue-2:#176aa5;--silver:#98a0a8;--platinum:#e8ebee;--mist:#f4f6f7;--paper:#fbfaf7;--ink:#142231;--muted:#5f6a74;--line:#d9dee3;--white:#fff;--accent:#b8a46e;--danger:#8d3d3d;--shadow:0 24px 70px #051d331f;--shadow-sm:0 10px 30px #051d3317;--radius:22px;--radius-sm:14px;--max:1200px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{color:var(--ink);background:var(--paper);-webkit-font-smoothing:antialiased;margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;line-height:1.6}img{max-width:100%;display:block}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}.container{width:min(var(--max),calc(100% - 40px));margin-inline:auto}.narrow{width:min(850px,100% - 40px);margin-inline:auto}.section{padding:96px 0}.section-sm{padding:64px 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span{color:var(--blue)}.hero-art{min-height:590px;position:relative}.hero-main{box-shadow:var(--shadow);border-radius:34px;position:absolute;inset:0 0 60px 70px;overflow:hidden}.hero-main img{-o-object-fit:cover;object-fit:cover;width:100%;height:100%}.hero-main:after{content:"";background:linear-gradient(#0000 50%,#051d3380);position:absolute;inset:0}.hero-small{border:8px solid var(--paper);width:46%;height:230px;box-shadow:var(--shadow-sm);border-radius:24px;position:absolute;bottom:0;left:0;overflow:hidden}.hero-small img{-o-object-fit:cover;object-fit:cover;width:100%;height:100%}.hero-badge{background:var(--navy);color:#fff;width:240px;box-shadow:var(--shadow-sm);border-radius:20px;padding:22px 24px;position:absolute;bottom:36px;right:-14px}.hero-badge .kicker{text-transform:uppercase;letter-spacing:.15em;color:#b9d5eb;font-size:.72rem;font-weight:800}.hero-badge strong{margin-top:7px;font-family:Georgia,serif;font-size:1.28rem;display:block}.risk-ribbon{background:#eef2f4;border-top:1px solid #dfe5e9;border-bottom:1px solid #dfe5e9}.risk-grid{grid-template-columns:auto 1fr;align-items:center;gap:22px;padding:22px 0;display:grid}.risk-icon{background:var(--navy);color:#fff;border-radius:50%;place-items:center;width:48px;height:48px;font-weight:900;display:grid}.risk-grid p{color:#465563;margin:0;font-size:.91rem}.stats{border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-sm);background:#fff;grid-template-columns:repeat(4,1fr);display:grid;overflow:hidden}.stat{border-right:1px solid var(--line);padding:30px 28px}.stat:last-child{border-right:0}.stat strong{color:var(--navy);font-family:Georgia,serif;font-size:2rem;display:block}.stat 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li{color:#475663;margin:13px 0;padding-left:29px;position:relative}.check-list li:before{content:"✓";color:var(--blue);font-weight:900;position:absolute;left:0}.section-dark .check-list li{color:#d3dee8}.section-dark .check-list li:before{color:#9cc6e5}.rate-panel{border:1px solid var(--line);box-shadow:var(--shadow);background:#fff;border-radius:30px;grid-template-columns:.88fr 1.12fr;display:grid;overflow:hidden}.rate-highlight{background:var(--navy);color:#fff;padding:52px}.rate-highlight .number{color:#fff;font-family:Georgia,serif;font-size:4.9rem;line-height:1}.rate-highlight .number span{font-size:1.3rem}.rate-highlight p{color:#cdd9e4}.rate-detail{padding:52px}.notice{border-left:4px solid var(--accent);color:#4b4b43;background:#f7f3e8;border-radius:0 14px 14px 0;padding:20px 22px;font-size:.9rem}.danger-notice{border-left-color:var(--danger);color:#5d3939;background:#f8eeee}.page-hero{background:linear-gradient(115deg,var(--navy),#0a3558);color:#fff;padding:82px 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