.why-vr-page{--vr-navy:#0a3764;--vr-blue:#135d8f;--vr-orange:#df3d13;--vr-gold:#f5a623;--vr-ink:#142133;--vr-muted:#556476;--vr-cream:#fff8ef;--vr-line:#eed3c0;background:#fff;color:var(--vr-ink)}.why-vr-page *{box-sizing:border-box}.vr-shell{width:min(1180px,calc(100% - 32px));margin-inline:auto}.vr-hero{position:relative;overflow:hidden;padding:54px 0;background:linear-gradient(120deg,#082f59 0%,#0d4877 72%,#175f8d 100%)}.vr-hero:after{content:"";position:absolute;right:-80px;bottom:-170px;width:390px;height:390px;border:58px solid rgba(255,255,255,.08);border-radius:50%}.vr-hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,.92fr) minmax(420px,1.08fr);gap:42px;align-items:center}.vr-eyebrow,.vr-section-label{display:inline-block;color:#c53213;font-size:.78rem;font-weight:800;letter-spacing:.13em;text-transform:uppercase}.vr-hero .vr-eyebrow{color:#ffb45a}.vr-hero h1{max-width:650px;margin:10px 0 17px;color:#fff;font-size:clamp(2.05rem,4.3vw,3.5rem);line-height:1.08;font-weight:850}.vr-hero-copy>p{max-width:650px;margin:0;color:#e8f1f8;font-size:1.02rem;line-height:1.75}.vr-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:25px}.vr-btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:48px;padding:12px 22px;border:1px solid transparent;border-radius:999px;font-size:.93rem;font-weight:800;text-decoration:none!important;transition:transform .2s ease,box-shadow .2s ease,background .2s ease}.vr-btn:hover,.vr-btn:focus{transform:translateY(-2px)}.vr-btn-primary{background:linear-gradient(90deg,#f35b0a,#d81713);color:#fff!important;box-shadow:0 12px 25px rgba(216,23,19,.23)}.vr-btn-outline{border-color:rgba(255,255,255,.48);background:rgba(255,255,255,.08);color:#fff!important}.vr-btn-light{background:#fff;color:#0a3764!important}.vr-hero-visual{overflow:hidden;border:6px solid rgba(255,255,255,.18);border-radius:24px;background:#fff;box-shadow:0 25px 55px rgba(0,0,0,.25)}.vr-hero-visual img{display:block;width:100%;height:auto;aspect-ratio:2/1;object-fit:contain;background:#fff}.vr-breadcrumb{display:flex;flex-wrap:wrap;gap:8px;margin:18px 0 12px;padding:0;list-style:none;color:#687587;font-size:.83rem}.vr-breadcrumb li+li:before{content:"/";margin-right:8px;color:#d84b22}.vr-breadcrumb a{color:#40556d;text-decoration:none}.vr-jump{display:flex;flex-wrap:wrap;gap:9px;padding:0 0 22px;border-bottom:1px solid #e8edf2}.vr-jump a{padding:8px 13px;border:1px solid #e7cbb8;border-radius:999px;background:#fff9f3;color:#71301e;font-size:.79rem;font-weight:750;text-decoration:none}.vr-layout{display:grid;grid-template-columns:minmax(0,1fr) 285px;gap:34px;align-items:start;padding:42px 0 58px}.vr-article{min-width:0}.vr-section{scroll-margin-top:100px;margin-bottom:34px}.vr-section h2{margin:8px 0 15px;color:#0a3764;font-size:clamp(1.55rem,2.6vw,2.12rem);line-height:1.2;font-weight:820}.vr-section>p,.vr-reason p{color:#344254;font-size:1rem;line-height:1.78}.vr-section a{color:#0c5c93}.vr-answer-box{padding:28px;border:1px solid #efc9ae;border-left:5px solid #ed4a16;border-radius:20px;background:linear-gradient(135deg,#fffaf5,#fff)}.vr-fact-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:11px;margin-top:24px}.vr-fact-grid div{padding:16px 12px;border:1px solid #dde7ef;border-radius:14px;background:#fff;text-align:center;box-shadow:0 7px 18px rgba(10,55,100,.06)}.vr-fact-grid strong{display:block;color:#0a3764;font-size:1.12rem;line-height:1.25}.vr-fact-grid span{display:block;margin-top:5px;color:#697686;font-size:.75rem;line-height:1.35}.vr-reasons{display:grid;gap:17px;margin-top:25px}.vr-reason{display:grid;grid-template-columns:58px minmax(0,1fr);gap:18px;padding:25px;border:1px solid #e7edf2;border-radius:18px;background:#fff;box-shadow:0 10px 26px rgba(9,44,78,.065);scroll-margin-top:100px}.vr-reason:nth-child(even){background:#fffaf5;border-color:#f0d6c3}.vr-number{display:flex;width:52px;height:52px;align-items:center;justify-content:center;border-radius:15px;background:linear-gradient(145deg,#0b3e6e,#126692);color:#fff;font-size:.92rem;font-weight:850;box-shadow:0 8px 18px rgba(10,55,100,.17)}.vr-reason h3{margin:3px 0 10px;color:#0a3764;font-size:1.25rem;line-height:1.3;font-weight:800}.vr-reason h3 a{color:#0a3764;text-decoration:none}.vr-reason p{margin:0 0 12px}.vr-reason p:last-child{margin-bottom:0}.vr-check-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:9px 13px;margin:15px 0;padding:0;list-style:none}.vr-check-list li{position:relative;padding:10px 11px 10px 34px;border:1px solid #e6ebef;border-radius:11px;background:#fff;color:#26384b;font-size:.9rem;line-height:1.45}.vr-check-list li:before{content:"✓";position:absolute;left:11px;top:9px;color:#dc3a14;font-weight:900}.vr-conclusion{padding:28px;border-radius:20px;background:#0a3764}.vr-conclusion .vr-section-label{color:#ffb65f}.vr-conclusion h2,.vr-conclusion p{color:#fff}.vr-conclusion p{margin-bottom:0}.vr-faq details{margin-bottom:11px;border:1px solid #e1e7ec;border-radius:14px;background:#fff}.vr-faq summary{position:relative;padding:17px 52px 17px 18px;color:#0a3764;font-weight:800;line-height:1.4;cursor:pointer;list-style:none}.vr-faq summary::-webkit-details-marker{display:none}.vr-faq summary:after{content:"+";position:absolute;right:17px;top:50%;transform:translateY(-50%);display:flex;width:27px;height:27px;align-items:center;justify-content:center;border-radius:50%;background:#fff0e7;color:#cf3410;font-size:1.25rem}.vr-faq details[open] summary:after{content:"−"}.vr-faq details p{margin:0;padding:0 18px 18px;color:#425165;line-height:1.7}.vr-sidebar{position:sticky;top:90px;display:grid;gap:18px}.vr-toc,.vr-contact-card{padding:22px;border-radius:18px}.vr-toc{border:1px solid #dbe4ec;background:#f6f9fc}.vr-toc h2,.vr-contact-card h2{margin:7px 0 13px;color:#0a3764;font-size:1.2rem}.vr-toc a{display:block;padding:10px 0;border-bottom:1px solid #dce5ed;color:#31475f;font-size:.86rem;line-height:1.35;text-decoration:none}.vr-toc a:last-child{border-bottom:0}.vr-contact-card{background:linear-gradient(145deg,#0a3764,#115b89);color:#fff}.vr-contact-card .vr-contact-icon{display:flex;width:42px;height:42px;align-items:center;justify-content:center;border-radius:12px;background:#fff;color:#d83c14;font-size:1.3rem}.vr-contact-card h2,.vr-contact-card p{color:#fff}.vr-contact-card p{font-size:.86rem;line-height:1.55}.vr-phone{display:block;margin:12px 0 15px;color:#ffcf91!important;font-size:1.07rem;font-weight:850;text-decoration:none}.vr-contact-card .vr-btn{width:100%;padding-inline:14px}.vr-cta{padding:38px 0;background:linear-gradient(110deg,#fff0df,#fff8ef)}.vr-cta-grid{display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}.vr-cta h2{margin:7px 0 0;color:#0a3764;font-size:clamp(1.5rem,2.7vw,2.15rem)}.vr-cta .vr-actions{margin-top:0}.vr-cta .vr-btn-light{border-color:#e8c4aa}.vr-cta .vr-section-label{color:#c73212}@media(max-width:991.98px){.vr-hero-grid{grid-template-columns:1fr}.vr-hero-copy{text-align:center}.vr-hero-copy>p{margin-inline:auto}.vr-actions{justify-content:center}.vr-hero-visual{max-width:760px;margin-inline:auto}.vr-layout{grid-template-columns:1fr}.vr-sidebar{position:static;grid-template-columns:1fr 1fr}.vr-fact-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}@media(max-width:767.98px){.vr-shell{width:min(100% - 24px,1180px)}.vr-hero{padding:38px 0}.vr-hero h1{font-size:2rem}.vr-hero-copy>p{font-size:.95rem}.vr-jump{flex-wrap:nowrap;overflow-x:auto;padding-bottom:17px}.vr-jump a{flex:0 0 auto}.vr-layout{padding:30px 0 42px}.vr-answer-box,.vr-reason,.vr-conclusion{padding:20px}.vr-reason{grid-template-columns:44px minmax(0,1fr);gap:13px}.vr-number{width:42px;height:42px;border-radius:12px}.vr-check-list{grid-template-columns:1fr}.vr-sidebar{grid-template-columns:1fr}.vr-cta-grid{grid-template-columns:1fr;text-align:center}.vr-cta .vr-actions{justify-content:center}}@media(max-width:479.98px){.vr-actions{display:grid}.vr-btn{width:100%}.vr-hero h1{font-size:1.72rem}.vr-hero-visual{border-width:3px;border-radius:15px}.vr-fact-grid{grid-template-columns:1fr 1fr}.vr-reason{grid-template-columns:1fr}.vr-number{margin-bottom:2px}.vr-section h2{font-size:1.48rem}.vr-section>p,.vr-reason p{font-size:.94rem}.vr-cta .vr-actions{width:100%}}@media(prefers-reduced-motion:reduce){.vr-btn{transition:none}}