:root{
  --co-navy:#0a2438;
  --co-deep:#061923;
  --co-blue:#15506f;
  --co-gold:#b99150;
  --co-muted:#5e6c76;
  --co-line:#dce5ea;
  --co-soft:#f3f7f9;
}
.co-breadcrumb{background:#fff;border-bottom:1px solid var(--co-line)}
.co-breadcrumb-inner{min-height:42px;display:flex;align-items:center;gap:8px;font-size:.74rem;color:#77858e}
.co-breadcrumb a{color:var(--co-blue);font-weight:700;text-decoration:none}
.co-hero{background:radial-gradient(circle at 84% 18%,rgba(21,80,111,.14),transparent 26%),linear-gradient(135deg,#f8fbfc,#edf4f7);border-bottom:1px solid #e4ecef}
.co-hero-grid{min-height:480px;padding:64px 0;display:grid;grid-template-columns:minmax(0,1.1fr) minmax(340px,.9fr);gap:52px;align-items:center}
.co-kicker{display:inline-flex;align-items:center;gap:9px;color:var(--co-blue);font-size:.72rem;font-weight:850;text-transform:uppercase;letter-spacing:.13em}
.co-kicker:before{content:"";width:28px;height:2px;background:var(--co-gold)}
.co-hero h1{margin:14px 0 6px;color:var(--co-deep);font-size:clamp(2.6rem,4.6vw,4.7rem);line-height:1;letter-spacing:-.05em}
.co-local{margin:0 0 20px;color:#35576a;font-size:.96rem;font-weight:750}
.co-lead{max-width:820px;margin:0;color:#4b5d68;font-size:1.04rem;line-height:1.7}
.co-actions{margin-top:28px;display:flex;flex-wrap:wrap;gap:12px}
.co-hero-panel{padding:26px;border-radius:20px;background:linear-gradient(145deg,#0b2c42,#071e2d);color:#fff;box-shadow:0 28px 60px rgba(4,28,42,.18)}
.co-panel-label{display:block;padding-bottom:14px;border-bottom:1px solid rgba(255,255,255,.12);color:#d6b36f;font-size:.64rem;letter-spacing:.14em}
.co-panel-step{display:grid;grid-template-columns:42px 1fr;gap:12px;padding:18px 0;border-bottom:1px solid rgba(255,255,255,.11)}
.co-panel-step:last-child{border-bottom:0}.co-panel-step>span{color:#e2ba72;font-weight:900;font-size:.9rem}
.co-panel-step strong{display:block;line-height:1.2;font-size:1.05rem}.co-panel-step small{display:block;margin-top:4px;color:#9fb5c0;font-size:.78rem;line-height:1.45}

.co-section{padding:66px 0}.co-section-soft{background:var(--co-soft)}
.co-two-col{display:grid;grid-template-columns:minmax(260px,.72fr) minmax(0,1.28fr);gap:48px;align-items:start}
.co-section-title h2,.co-heading h2,.co-sst-grid h2,.co-syndic-grid h2,.co-cta h2{margin:12px 0 0;color:var(--co-deep);font-size:clamp(2rem,3.2vw,3rem);line-height:1.08;letter-spacing:-.035em}
.co-prose p{margin:0 0 16px;color:var(--co-muted);font-size:.98rem;line-height:1.75}
.co-note{margin-top:22px;padding:18px 20px;border:1px solid var(--co-line);border-left:3px solid var(--co-gold);border-radius:12px;background:#fff;color:#53636d;font-size:.88rem;line-height:1.65}
.co-heading{max-width:930px;margin-bottom:28px}.co-heading p{margin:14px 0 0;color:var(--co-muted);line-height:1.65}
.co-heading-light h2{color:#fff}.co-heading-light p{color:#b7c9d2}

.co-inline-title{display:grid;grid-template-columns:36px minmax(0,1fr);column-gap:10px;align-items:start}
.co-inline-title>span{padding-top:2px;color:var(--co-gold);font-size:.88rem;font-weight:900;letter-spacing:.05em;line-height:1.2}
.co-inline-title h3{margin:0;color:var(--co-deep);font-size:1.17rem;line-height:1.25}
.co-inline-light h3{color:#fff}.co-inline-light>span{color:#e1b766}

.co-contract-section{background:var(--co-deep);color:#fff}
.co-contract-section .co-kicker{color:#99d0e5}
.co-contract-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));border-top:1px solid rgba(255,255,255,.13);border-left:1px solid rgba(255,255,255,.13)}
.co-contract-grid article{padding:22px;border-right:1px solid rgba(255,255,255,.13);border-bottom:1px solid rgba(255,255,255,.13)}
.co-contract-grid p{margin:9px 0 0 46px;color:#b6c8d1;font-size:.86rem;line-height:1.6}
.co-contract-note{margin-top:18px;padding:16px 18px;border:1px solid rgba(255,255,255,.14);border-radius:12px;color:#b8cad3;font-size:.82rem;line-height:1.6}
.co-contract-note strong{color:#fff}

.co-benefit-grid,.co-risk-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.co-benefit-grid article,.co-risk-grid article{padding:22px;border:1px solid var(--co-line);border-radius:14px;background:#fff}
.co-benefit-grid strong{display:block;color:var(--co-navy);line-height:1.3}
.co-benefit-grid p{margin:8px 0 0;color:var(--co-muted);font-size:.83rem;line-height:1.6}
.co-risk-grid p{margin:8px 0 0 46px;color:var(--co-muted);font-size:.83rem;line-height:1.6}

.co-example{display:grid;grid-template-columns:minmax(260px,.75fr) minmax(0,1.25fr);gap:24px;align-items:stretch}
.co-example-problem{padding:26px;border-radius:16px;background:linear-gradient(145deg,var(--co-navy),#0b3149);color:#fff}
.co-example-problem>span{display:block;color:#d7b46e;font-size:.61rem;font-weight:900;letter-spacing:.14em}
.co-example-problem strong{display:block;margin-top:8px;font-size:1.28rem;line-height:1.3}
.co-example-problem p{margin:12px 0 0;color:#bed0d7;font-size:.86rem;line-height:1.65}
.co-example-flow{border-top:1px solid var(--co-line)}
.co-example-flow article{display:grid;grid-template-columns:36px 180px 1fr;gap:12px;padding:16px 0;border-bottom:1px solid var(--co-line);align-items:start}
.co-example-flow span{color:var(--co-gold);font-weight:900}
.co-example-flow strong{color:var(--co-navy)}
.co-example-flow p{margin:0;color:var(--co-muted);font-size:.83rem;line-height:1.55}

.co-sst-section{background:#fff}
.co-sst-grid,.co-syndic-grid{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(300px,.9fr);gap:44px;align-items:center}
.co-sst-grid>div:first-child p,.co-syndic-grid>div:first-child p{color:var(--co-muted);line-height:1.7}
.co-sst-card,.co-syndic-card{padding:28px;border-radius:17px;background:linear-gradient(145deg,var(--co-navy),#0b3149);color:#fff}
.co-sst-card strong,.co-syndic-card strong{display:block;margin-bottom:16px;font-size:1.15rem}
.co-sst-card span,.co-syndic-card span{display:block;padding:8px 0;border-bottom:1px solid rgba(255,255,255,.12);color:#c1d1d8;font-size:.84rem}
.co-sst-card span:last-child,.co-syndic-card span:last-child{border-bottom:0}
.co-legal-note{margin-top:18px;padding:17px 19px;border-left:3px solid var(--co-gold);background:#fff;border-radius:10px;color:#5c6b74;font-size:.83rem;line-height:1.65}
.co-legal-note strong{color:var(--co-deep)}

.co-method{border-top:1px solid var(--co-line)}
.co-method article{padding:17px 0;border-bottom:1px solid var(--co-line)}
.co-method p{margin:7px 0 0 46px;color:var(--co-muted);font-size:.9rem;line-height:1.6}

.co-service-grid,.co-doc-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.co-service-grid article,.co-doc-grid article{padding:22px;border:1px solid var(--co-line);border-radius:14px;background:#fff}
.co-service-label{display:block;color:var(--co-gold);font-size:.61rem;font-weight:900;letter-spacing:.14em}
.co-service-grid h3{margin:8px 0 9px;color:var(--co-deep);font-size:1.18rem;line-height:1.25}
.co-service-grid p,.co-doc-grid p{margin:0;color:var(--co-muted);font-size:.83rem;line-height:1.6}
.co-doc-grid strong{display:block;color:var(--co-navy);margin-bottom:8px}

.co-syndic-section{background:var(--co-soft)}

.co-faq{background:var(--co-soft)}.co-faq-list{display:grid;gap:9px}
.co-faq-list details{border:1px solid var(--co-line);border-radius:12px;background:#fff;padding:0 18px}
.co-faq-list summary{position:relative;cursor:pointer;list-style:none;padding:16px 34px 16px 0;color:var(--co-deep);font-weight:800;line-height:1.4}
.co-faq-list summary::-webkit-details-marker{display:none}.co-faq-list summary:after{content:"+";position:absolute;right:0;top:13px;color:var(--co-blue);font-size:1.35rem}
.co-faq-list details[open] summary:after{content:"–"}.co-faq-list p{max-width:1000px;margin:-2px 0 16px;color:var(--co-muted);font-size:.89rem;line-height:1.65}

.co-cta{padding:62px 0;background:linear-gradient(120deg,var(--co-navy),#0b3149);color:#fff}
.co-cta-grid{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(260px,.8fr);gap:44px;align-items:center}
.co-cta h2{color:#fff}.co-cta p{margin:14px 0 0;color:#b6c8d1;line-height:1.65}.co-cta .co-kicker{color:#9ed1e5}
.co-cta-actions{display:flex;flex-direction:column;align-items:flex-start;gap:14px}.co-cta-link{color:#fff;font-size:.85rem;font-weight:800;text-decoration:none}

@media(max-width:1050px){
  .co-hero-grid,.co-two-col,.co-example,.co-sst-grid,.co-syndic-grid,.co-cta-grid{grid-template-columns:1fr;gap:30px}
  .co-hero-grid{min-height:auto}.co-hero-panel{max-width:680px}
  .co-benefit-grid,.co-risk-grid,.co-service-grid,.co-doc-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media(max-width:760px){
  .co-breadcrumb{display:none}.co-hero-grid{padding:48px 0}.co-hero h1{font-size:clamp(2.2rem,10vw,3.1rem)}
  .co-local{font-size:.88rem}.co-lead{font-size:.96rem}.co-actions{flex-direction:column;align-items:stretch}.co-actions .btn{width:100%}
  .co-section{padding:52px 0}.co-section-title h2,.co-heading h2,.co-sst-grid h2,.co-syndic-grid h2,.co-cta h2{font-size:clamp(1.7rem,7vw,2.2rem)}
  .co-contract-grid,.co-benefit-grid,.co-risk-grid,.co-service-grid,.co-doc-grid{grid-template-columns:1fr}
  .co-contract-grid{border-left:0}.co-contract-grid article{border-left:1px solid rgba(255,255,255,.13)}
  .co-inline-title{grid-template-columns:32px minmax(0,1fr);column-gap:8px}
  .co-contract-grid p,.co-risk-grid p,.co-method p{margin-left:40px}
  .co-example-flow article{grid-template-columns:32px 1fr;gap:8px}
  .co-example-flow p{grid-column:2}
}