*{box-sizing:border-box;margin:0;padding:0}
:root{--navy:#0f2340;--navy2:#1a3560;--amber:#f5a623;--ink:#1d2433;--muted:#5b6475;--bg:#f7f8fb}
body{font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);line-height:1.6;background:#fff}
a{color:var(--navy2)}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
header{background:var(--navy);color:#fff}
.nav{display:flex;justify-content:space-between;align-items:center;padding:16px 20px;max-width:1100px;margin:0 auto;gap:12px;flex-wrap:wrap}
.logo{display:flex;align-items:center;gap:8px;font-weight:800;font-size:1.3rem;color:#fff;text-decoration:none}
.logo b span{color:var(--amber)}
.nav nav a{color:#dfe6f2;text-decoration:none;margin-left:18px;font-size:.95rem}
.btn{display:inline-block;background:var(--amber);color:var(--navy);font-weight:700;padding:14px 24px;border-radius:8px;text-decoration:none}
.btn:hover{filter:brightness(1.05)}
.hero{background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;padding:70px 0 80px}
.hero h1{font-size:clamp(2rem,5vw,3.2rem);line-height:1.15;max-width:760px}
.hero p{font-size:1.15rem;color:#cfd8e8;max-width:640px;margin:18px 0 28px}
.hero small{display:block;margin-top:14px;color:#aab6cc}
section{padding:64px 0}
section.alt{background:var(--bg)}
h2{font-size:clamp(1.6rem,3.5vw,2.2rem);color:var(--navy);margin-bottom:12px}
.lead{color:var(--muted);max-width:680px;margin-bottom:32px}
.grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.card{background:#fff;border:1px solid #e3e7ef;border-radius:12px;padding:24px}
.card h3{color:var(--navy);margin-bottom:8px;font-size:1.1rem}
.num{display:inline-flex;width:36px;height:36px;border-radius:50%;background:var(--amber);color:var(--navy);font-weight:800;align-items:center;justify-content:center;margin-bottom:12px}
ul.check{list-style:none}
ul.check li{padding-left:28px;position:relative;margin:8px 0}
ul.check li:before{content:"★";position:absolute;left:0;color:var(--amber)}
.price{max-width:520px;margin:0 auto;text-align:center;border:2px solid var(--amber)}
.price .amt{font-size:3rem;font-weight:800;color:var(--navy)}
.price ul{text-align:left;margin:20px 0}
details{background:#fff;border:1px solid #e3e7ef;border-radius:10px;padding:16px 20px;margin-bottom:12px}
summary{font-weight:700;color:var(--navy);cursor:pointer}
details p{margin-top:10px;color:var(--muted)}
footer{background:var(--navy);color:#b8c3d6;padding:36px 0;font-size:.95rem}
footer a{color:#fff}
.ph{background:#fff3cd;color:#7a5300;padding:2px 6px;border-radius:4px;font-weight:700}
@media(max-width:600px){.nav nav{display:none}.hero{padding:48px 0 56px}section{padding:48px 0}}
@media(min-width:900px){.grid{grid-template-columns:repeat(3,1fr)}}
sup a{font-size:.7em;text-decoration:none;color:var(--amber);font-weight:700}
.stat{font-size:2.4rem;font-weight:800;color:var(--navy);line-height:1.1}
.src{font-size:.8rem;color:var(--muted);margin-top:8px}
.src a{color:var(--muted)}
.tiers{align-items:stretch}
.tier{display:flex;flex-direction:column}
.tier .amt{font-size:2.4rem;font-weight:800;color:var(--navy)}
.tier ul{flex:1;margin:14px 0 20px}
.tier.pop{border:2px solid var(--amber);box-shadow:0 8px 24px rgba(15,35,64,.12);position:relative}
.badge{position:absolute;top:-13px;left:24px;background:var(--amber);color:var(--navy);font-weight:800;font-size:.8rem;padding:3px 10px;border-radius:20px}
.btn.ghost{background:transparent;border:2px solid var(--navy);color:var(--navy)}
.report{border:2px dashed #c9d2e3}
.report .tag{display:inline-block;background:#fff3cd;color:#7a5300;font-weight:800;font-size:.8rem;padding:3px 10px;border-radius:4px;margin-bottom:12px}
.kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:12px;margin:12px 0}
.kpi{background:var(--bg);border-radius:8px;padding:14px}
.kpi b{display:block;font-size:1.6rem;color:var(--navy)}
.kpi span{font-size:.85rem;color:var(--muted)}
table{width:100%;border-collapse:collapse;font-size:.95rem}
td,th{padding:10px;border-bottom:1px solid #e3e7ef;text-align:left;vertical-align:top}
th{color:var(--navy)}
.tablewrap{overflow-x:auto}
.note{font-size:.9rem;color:var(--muted);margin-top:16px}
ol.refs{font-size:.85rem;color:var(--muted);padding-left:20px}
ol.refs li{margin:4px 0}
@media(min-width:1000px){#how .grid{grid-template-columns:repeat(5,1fr)}}
@media(min-width:1000px){#whyus .grid{grid-template-columns:repeat(4,1fr)}}