:root{--navy:#071a2f;--navy2:#0b2947;--gold:#c59a50;--cream:#f7f4ee;--ink:#14283c;--muted:#617181;--line:#dbe2e7;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font-family:Arial,Helvetica,sans-serif;line-height:1.65}.iq-wrap{width:min(1120px,calc(100% - 40px));margin:auto}.iq-top{background:var(--navy);color:#dce5eb;font-size:12px}.iq-top .iq-wrap{min-height:36px;display:flex;align-items:center;justify-content:space-between;gap:20px}.iq-top a{color:inherit;text-decoration:none}.iq-lang{display:flex;gap:12px}.iq-lang a{opacity:.65}.iq-lang a[aria-current=page]{opacity:1;color:#e6c17f;border-bottom:1px solid currentColor}.iq-nav{position:sticky;top:0;z-index:10;border-bottom:1px solid #dce2e5;background:rgba(255,255,255,.96);backdrop-filter:blur(12px)}.iq-nav .iq-wrap{min-height:86px;display:flex;align-items:center;justify-content:space-between;gap:24px}.iq-brand img{display:block;width:220px;max-height:58px;object-fit:contain}.iq-links{display:flex;align-items:center;gap:25px}.iq-links a{color:var(--ink);font-size:12px;font-weight:750;letter-spacing:.05em;text-decoration:none}.iq-links .iq-access{padding:11px 16px;border:1px solid #b9c7d1;border-radius:5px}.iq-hero{position:relative;overflow:hidden;background:linear-gradient(125deg,var(--navy2),var(--navy) 72%);color:#fff}.iq-hero:after{content:"";position:absolute;inset:0 0 0 58%;background:radial-gradient(circle at center,#c99e5433,transparent 64%)}.iq-hero .iq-wrap{position:relative;z-index:1;min-height:500px;display:grid;grid-template-columns:1.12fr .88fr;gap:60px;align-items:center;padding-block:70px}.iq-kicker{display:block;margin-bottom:15px;color:#e2ba73;font-size:11px;font-weight:850;letter-spacing:.17em;text-transform:uppercase}.iq-hero h1{max-width:760px;margin:0;font-family:Georgia,"Times New Roman",serif;font-size:clamp(44px,6vw,76px);font-weight:400;line-height:1.02}.iq-hero p{max-width:650px;margin:24px 0 0;color:#c3d0d9;font-size:17px}.iq-hero-card{padding:30px;border:1px solid #ffffff24;border-radius:18px;background:#ffffff0d}.iq-hero-card strong{display:block;font-family:Georgia,"Times New Roman",serif;font-size:27px;font-weight:400;line-height:1.2}.iq-checks{display:grid;gap:0;margin-top:20px}.iq-checks span{padding:12px 0;border-top:1px solid #ffffff1c;color:#dce4e9;font-size:13px}.iq-checks span:before{content:"◇";margin-right:10px;color:#e2ba73}.iq-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}.iq-button{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 20px;border-radius:5px;background:var(--gold);color:var(--navy);font-size:12px;font-weight:850;letter-spacing:.04em;text-decoration:none}.iq-button.secondary{border:1px solid #ffffff42;background:transparent;color:#fff}.iq-section{padding:80px 0}.iq-section.white{background:#fff}.iq-heading{max-width:760px;margin-bottom:32px}.iq-heading h2{margin:0;font-family:Georgia,"Times New Roman",serif;font-size:clamp(34px,4.5vw,54px);font-weight:400;line-height:1.08}.iq-heading p{margin:15px 0 0;color:var(--muted);font-size:16px}.iq-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.iq-card{display:flex;flex-direction:column;min-height:285px;padding:28px;border:1px solid var(--line);border-radius:14px;background:#fff;box-shadow:0 14px 38px #102f4910}.iq-card .iq-number{color:var(--gold);font-size:11px;font-weight:850;letter-spacing:.12em}.iq-card h3{margin:19px 0 11px;font-family:Georgia,"Times New Roman",serif;font-size:27px;font-weight:400;line-height:1.1}.iq-card p{margin:0;color:var(--muted);font-size:14px}.iq-card a{margin-top:auto;padding-top:22px;color:#0b5579;font-size:12px;font-weight:800;text-decoration:none}.iq-process{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));border:1px solid var(--line);border-radius:15px;background:#fff;overflow:hidden}.iq-step{position:relative;padding:27px}.iq-step+.iq-step{border-left:1px solid var(--line)}.iq-step b{display:grid;place-items:center;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;font-size:11px}.iq-step h3{margin:16px 0 7px;font-family:Georgia,"Times New Roman",serif;font-size:20px;font-weight:400}.iq-step p{margin:0;color:var(--muted);font-size:12px}.iq-columns{display:grid;grid-template-columns:1.25fr .75fr;gap:22px;align-items:start}.iq-panel{padding:32px;border:1px solid var(--line);border-radius:15px;background:#fff}.iq-panel.dark{background:var(--navy2);color:#fff;border-color:transparent}.iq-panel h2,.iq-panel h3{margin-top:0;font-family:Georgia,"Times New Roman",serif;font-weight:400}.iq-panel h2{font-size:35px;line-height:1.15}.iq-panel h3{font-size:25px}.iq-panel p{color:var(--muted)}.iq-panel.dark p{color:#bfccd5}.iq-list{display:grid;gap:0;margin:18px 0 0;padding:0;list-style:none}.iq-list li{padding:13px 0;border-top:1px solid var(--line);font-size:14px}.iq-panel.dark .iq-list li{border-color:#ffffff1c}.iq-cta{padding:64px 0;background:linear-gradient(120deg,var(--navy2),var(--navy));color:#fff}.iq-cta .iq-wrap{display:flex;justify-content:space-between;gap:40px;align-items:center}.iq-cta h2{max-width:720px;margin:0;font-family:Georgia,"Times New Roman",serif;font-size:clamp(32px,4vw,49px);font-weight:400;line-height:1.08}.iq-cta p{max-width:650px;margin:13px 0 0;color:#c3d0d9}.iq-footer{padding:35px 0;background:#041522;color:#93a3af;font-size:12px}.iq-footer .iq-wrap{display:flex;justify-content:space-between;gap:30px}.iq-footer strong{display:block;color:#fff;font-family:Georgia,"Times New Roman",serif;font-size:21px;font-weight:400}.iq-footer a{color:#d9e1e6}.iq-note{font-size:11px;color:#7a8995}.iq-sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}@media(max-width:840px){.iq-wrap{width:min(100% - 28px,680px)}.iq-top .iq-wrap{min-height:34px}.iq-nav .iq-wrap{min-height:70px}.iq-brand img{width:185px}.iq-links a:not(.iq-access){display:none}.iq-hero .iq-wrap{min-height:auto;grid-template-columns:1fr;gap:32px;padding-block:50px}.iq-hero h1{font-size:clamp(39px,12vw,58px)}.iq-hero p{font-size:15px}.iq-hero-card{padding:23px}.iq-section{padding:58px 0}.iq-grid{grid-template-columns:1fr}.iq-card{min-height:240px}.iq-process{grid-template-columns:1fr}.iq-step+.iq-step{border-left:0;border-top:1px solid var(--line)}.iq-columns{grid-template-columns:1fr}.iq-cta .iq-wrap,.iq-footer .iq-wrap{display:grid}.iq-cta .iq-button{width:100%}}