@font-face{font-family:"IBM Plex Sans";font-style:normal;font-weight:400;font-display:swap;src:url(fonts/IBMPlexSans-Regular.woff2) format("woff2")}@font-face{font-family:"IBM Plex Sans";font-style:normal;font-weight:600;font-display:swap;src:url(fonts/IBMPlexSans-SemiBold.woff2) format("woff2")}@font-face{font-family:"IBM Plex Sans";font-style:normal;font-weight:700;font-display:swap;src:url(fonts/IBMPlexSans-Bold.woff2) format("woff2")}
:root{--paper:#F6F8FB;--ink:#0F1B2D;--mute:#4A5A70;--line:#D5DCE6;--blue:#0D47A1;--blue2:#1565C0;--ok:#1B7F3B;--warn:#B77700;--bad:#C62828;--w:1080px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:17px/1.6 "IBM Plex Sans",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--paper)}
a{color:var(--blue2)}img{max-width:100%}
.wrap{max-width:var(--w);margin:0 auto;padding:0 24px}
header.top{border-bottom:1px solid var(--line);background:#fff}
header.top .wrap{display:flex;align-items:center;justify-content:space-between;height:64px}
.logo{display:flex;align-items:center}.logo img{display:block;height:34px;width:auto}
nav a{margin-left:22px;color:var(--ink);text-decoration:none;font-size:15px}nav a:hover{color:var(--blue2)}
.lang{border:1px solid var(--line);border-radius:4px;padding:2px 9px}
h1{font-size:clamp(30px,4.4vw,46px);line-height:1.08;letter-spacing:-.025em;margin:0 0 20px;font-weight:700}
h2{font-size:clamp(26px,3.4vw,34px);line-height:1.2;letter-spacing:-.015em;margin:0 0 18px}
h3{font-size:18px;margin:0 0 4px}
section{padding:72px 0}section.alt{background:#fff;border-block:1px solid var(--line)}
.hero{padding:64px 0 0;color:#fff;background:linear-gradient(180deg,rgba(10,46,107,0) 55%,rgba(10,46,107,.88) 100%),linear-gradient(90deg,rgba(10,46,107,.93) 0%,rgba(10,46,107,.80) 52%,rgba(13,71,161,.60) 100%),url(hero-bg.jpg) center/cover #0A2E6B}.herocredit{max-width:var(--w);margin:-18px auto 0;padding:0 24px 12px;text-align:right;font-size:12px;color:#C9D9F2}.hero .lead{color:#C9D9F2}.hero .btn{background:#fff;color:var(--blue)}.hero .btn:hover{background:#E3F2FD}.hero .btn.ghost{background:none;color:#fff;border:1px solid #fff}.hero .note{color:#C9D9F2}.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-top:56px;padding:28px 24px 36px;border-top:1px solid rgba(255,255,255,.25)}.stats b{display:block;font-size:clamp(28px,4vw,42px);line-height:1.1;letter-spacing:-.02em}.stats span{color:#C9D9F2;font-size:15px}.stats .todo b{opacity:.55}.cmp th:last-child,.cmp td:last-child{background:#E3F2FD;font-weight:600;color:var(--blue)}.cmp th:last-child{background:var(--blue);color:#fff}
.hero .grid{display:grid;grid-template-columns:1fr 1.05fr;gap:48px;align-items:center}
.lead{font-size:20px;color:var(--mute);max-width:34em;margin:0 0 28px}
.btn{display:inline-block;background:var(--blue);color:#fff;text-decoration:none;font-weight:600;padding:13px 24px;border-radius:4px;border:0;font-size:17px;cursor:pointer;font-family:inherit}
.btn:hover{background:var(--blue2)}.btn.ghost{background:none;color:var(--blue);border:1px solid var(--blue);margin-left:10px}
:focus-visible{outline:3px solid #FFB300;outline-offset:2px}
.ledger{background:#fff;border:1px solid var(--line);border-radius:6px;box-shadow:0 1px 0 var(--line);font-size:14px}
.ledger .hd,.ledger .row{display:grid;grid-template-columns:1.1fr 1.7fr 1fr;gap:12px;padding:11px 16px;align-items:center}
.ledger .hd{background:var(--blue);color:#fff;border-radius:6px 6px 0 0;font-weight:600}
.ledger .row{border-top:1px solid var(--line)}
.bar{position:relative;height:8px;background:#E6EBF2;border-radius:4px}.bar i{position:absolute;left:0;top:0;bottom:0;border-radius:4px}
.bar b{position:absolute;left:50%;top:-4px;bottom:-4px;width:2px;background:var(--ink)}
.chip{font-weight:600;font-size:13px;padding:2px 9px;border-radius:99px;border:1px solid;justify-self:start;white-space:nowrap}
.ok{color:var(--ok)}.warn{color:var(--warn)}.bad{color:var(--bad)}
.i-ok{background:var(--ok)}.i-warn{background:var(--warn)}.i-bad{background:var(--bad)}
.note{font-size:13px;color:var(--mute);margin:10px 4px 0}
.two{display:grid;grid-template-columns:1fr 1fr;gap:48px}
.feat{display:grid;grid-template-columns:1fr 1fr;column-gap:56px}
.feat div{padding:18px 0;border-top:1px solid var(--line)}.feat p{margin:0;color:var(--mute)}
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:32px}.steps h3{font-size:17px}.steps li{font-size:16px;color:var(--mute)}.steps li h3{color:var(--ink)}.banner{font-size:clamp(24px,3.6vw,40px);font-weight:700;letter-spacing:-.02em;line-height:1.2;margin:0 0 40px;color:var(--blue)}.banner .r{color:var(--bad)}.gains{display:grid;grid-template-columns:repeat(4,1fr);gap:28px}.gains div{border-top:3px solid var(--blue);padding-top:14px}.gains p{margin:0;color:var(--mute);font-size:16px}
.steps>li{counter-increment:s;border-top:3px solid var(--blue);padding-top:14px}
.steps>li:before{content:counter(s);font-weight:700;color:var(--blue);font-size:22px;display:block}
.shot{border:2px dashed var(--line);border-radius:6px;min-height:260px;display:grid;place-items:center;color:var(--mute);text-align:center;padding:20px;background:#fff}
ul.tick{padding-left:20px;margin:0}ul.tick li{margin:8px 0}
table{border-collapse:collapse;width:100%;background:#fff;border:1px solid var(--line)}
th,td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left}th{background:#EEF2F8}
td.todo{color:var(--bad);font-style:italic}
details{border-top:1px solid var(--line);padding:14px 0}details:last-child{border-bottom:1px solid var(--line)}
summary{cursor:pointer;font-weight:600}details p{color:var(--mute);margin:10px 0 0}
form{display:grid;gap:14px;max-width:560px}
label{font-weight:600;font-size:15px;display:grid;gap:5px}
input,textarea{font:inherit;padding:11px;border:1px solid #9AA8BB;border-radius:4px;background:#fff}
.chk{font-weight:400;display:flex;gap:10px;font-size:14px;color:var(--mute)}.chk input{margin-top:4px}
.hp{position:absolute;left:-9999px}
.vid{margin:0}.vid video{display:block;width:100%;height:auto;border:1px solid var(--line);border-radius:6px;background:#0b1220}.vid figcaption{font-size:13px;color:var(--mute);margin-top:10px}.shotimg img{display:block;width:100%;height:auto;border:1px solid var(--line);border-radius:6px}.hero .vid video{border-color:rgba(255,255,255,.3)}.hero .vid figcaption{color:#C9D9F2}.hero .vid figcaption a{color:#fff}.ill{margin:24px 0 0}.ill img{display:block;width:100%;height:auto;border-radius:6px;border:1px solid var(--line)}.ill figcaption{font-size:13px;color:var(--mute);margin-top:10px}.shotcap{font-size:13px;color:var(--mute);margin:8px 0 0}.cmp td:nth-child(2):before{content:"\2715\00a0";color:var(--bad);font-weight:700}.cmp td:nth-child(3):before{content:"\2713\00a0";color:var(--ok);font-weight:700}.reasons{list-style:none;padding:0}.reasons li{position:relative;padding-left:32px;margin:0 0 18px;color:var(--mute)}.reasons li:before{content:"\2713";position:absolute;left:0;color:var(--ok);font-weight:700;font-size:20px}.reasons b{display:block;color:var(--ink);font-size:18px}.herologo{display:block;width:min(100%,470px);height:auto;margin:0 0 28px}.flogo{display:block;height:36px;width:auto;margin:0 0 20px}footer{background:#0A2E6B;color:#C9D9F2;padding:36px 0;font-size:15px}footer a{color:#fff;margin-right:20px}
@media(max-width:820px){.stats{grid-template-columns:1fr 1fr}.hero .grid,.two,.feat,.steps,.gains{grid-template-columns:1fr}nav a:not(.lang){display:none}.btn.ghost{margin:12px 0 0}}
@media(prefers-reduced-motion:no-preference){html{scroll-behavior:smooth}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
.lead2{font-size:19px;color:var(--mute);max-width:42em;margin:0 0 28px}.cmp td:first-child{font-weight:600}.cmp{margin-top:8px}
.ctanote{margin:16px 0 0;font-size:15px;color:#C9D9F2;max-width:34em}.supnote{font-size:13px;color:var(--mute);margin:20px 0 0}.steps.four{grid-template-columns:repeat(4,1fr);gap:24px}select{font:inherit;padding:11px;border:1px solid #9AA8BB;border-radius:4px;background:#fff}@media(max-width:820px){.steps.four{grid-template-columns:1fr}}
.ctas{display:flex;flex-wrap:wrap;gap:12px;align-items:stretch}.ctas .btn.ghost{margin-left:0}.aidbox{display:flex;flex-direction:column;justify-content:center;padding:9px 18px;border:1px solid rgba(255,255,255,.6);border-radius:4px;background:rgba(255,255,255,.14);color:#fff;text-decoration:none;line-height:1.3}.aidbox b{font-size:16px}.aidbox span{font-size:13px;color:#C9D9F2}.aidbox:hover{background:rgba(255,255,255,.26)}
.mini{list-style:none;padding:0;margin:18px 0 0}.mini li{border-top:1px solid var(--line);margin:10px 0 0;padding:10px 0 0;font-size:15px;color:var(--mute)}.mini b{display:block;color:var(--ink);font-size:15px;margin-bottom:2px}
.topbar{background:#0A2E6B;color:#fff;font-size:15px;border-bottom:3px solid var(--bad)}.topbar .wrap{padding:10px 24px;text-align:center}.topbar p{margin:0}.topbar a{color:#fff;font-weight:700;margin-left:8px;white-space:nowrap}
.formmsg{margin:0;min-height:1.5em;font-weight:600;color:var(--ok)}