:root{--navy:#12325a;--navy2:#0b2340;--amber:#f2b134;--red:#c8102e;--ink:#1d2430;--muted:#4f5b6b;--bg:#fff;--soft:#f3f6fa;--line:#d9e1ea;--radius:12px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:#0b57a4}a:hover{color:var(--navy2)}
:focus-visible{outline:3px solid var(--amber);outline-offset:2px}
.wrap{max-width:1080px;margin:0 auto;padding:0 18px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:10}.skip:focus{left:8px}
.adbar{background:var(--navy2);color:#dfe7f1;font-size:13px;text-align:center;padding:5px 10px}.adbar a{color:#fff}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:60px;gap:12px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:600;font-size:17px;line-height:1.2}
.brand b{color:var(--red)}
.menu summary{list-style:none;cursor:pointer;border:1px solid var(--line);border-radius:8px;padding:8px 14px;font-weight:600;color:var(--navy)}
.menu summary::-webkit-details-marker{display:none}
.nav{list-style:none;margin:0;padding:12px 0;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 8px 20px rgba(0,0,0,.08)}
.nav li a{display:block;padding:12px 18px;text-decoration:none;color:var(--ink);font-weight:500}
.nav li a[aria-current]{color:var(--red)}
.nav .btn{margin:6px 18px;text-align:center;color:#fff}
.nav-desktop{display:none}
.nav-desktop ul{list-style:none;margin:0;padding:0;display:flex;align-items:center;gap:4px}
.nav-desktop a{display:block;padding:8px 10px;text-decoration:none;color:var(--ink);font-weight:500}
.nav-desktop a[aria-current]{color:var(--red)}.nav-desktop .btn{color:#fff;margin-left:8px}
@media(min-width:880px){.nav-desktop{display:block}.menu{display:none}}
.btn{display:inline-block;background:var(--red);color:#fff;text-decoration:none;font-weight:700;padding:13px 22px;border-radius:10px;border:0;font-size:17px;cursor:pointer;line-height:1.2}
.btn:hover{background:#a10d25;color:#fff}
.btn-sm{padding:9px 14px;font-size:15px}
.btn-ghost{background:transparent;color:var(--navy);border:2px solid var(--navy)}.btn-ghost:hover{background:var(--navy);color:#fff}
.hero{background:linear-gradient(180deg,var(--soft),#fff);border-bottom:1px solid var(--line)}
.hero-inner{padding:26px 18px 22px;display:grid;gap:20px;align-items:center}
.hero h1{font-size:clamp(28px,6vw,44px);line-height:1.15;margin:.2em 0 .3em;color:var(--navy)}
.lede{font-size:clamp(17px,2.4vw,20px);color:var(--muted);margin:0 0 12px;max-width:62ch}
.hero-cta{display:flex;flex-wrap:wrap;gap:10px;margin:16px 0 0}
.hero-art{width:100%;max-width:420px;height:auto;justify-self:center}
@media(min-width:880px){.hero-home .hero-inner{grid-template-columns:1.3fr 1fr;padding:46px 18px}}
.crumbs{font-size:14px;color:var(--muted)}
.content{padding:26px 18px 40px;max-width:820px}
.content h2{color:var(--navy);font-size:clamp(21px,3.4vw,26px);line-height:1.25;margin:1.6em 0 .5em}
.content li{margin:.35em 0}
.cards{list-style:none;padding:0;display:grid;gap:12px;grid-template-columns:1fr}
@media(min-width:560px){.cards{grid-template-columns:1fr 1fr}}
.cards a{display:block;border:1px solid var(--line);border-radius:var(--radius);padding:14px 16px;text-decoration:none;color:var(--ink);background:#fff;height:100%}
.cards a:hover{border-color:var(--navy);box-shadow:0 4px 14px rgba(18,50,90,.1)}
.cards strong{display:block;color:var(--navy);font-size:18px}.cards span{color:var(--muted);font-size:15px}
.facts li{margin-bottom:.9em}
.link-list li{margin:.5em 0}
.steps{padding-left:1.2em}.steps h2{font-size:21px;margin:1.2em 0 .3em}
.table-wrap{overflow-x:auto;margin:1em 0}
table{border-collapse:collapse;width:100%;font-size:16px}caption{text-align:left;font-weight:600;padding-bottom:6px;color:var(--muted)}
th,td{border:1px solid var(--line);padding:10px;text-align:left;vertical-align:top}th{background:var(--soft)}
.cta-box{margin:36px 0 0;padding:20px;border-radius:var(--radius);background:var(--navy);color:#fff}
.cta-box h2{color:#fff;margin-top:0}.cta-box p{margin:.5em 0}
.related{margin-top:30px;padding:16px 18px;border-left:4px solid var(--amber);background:var(--soft);border-radius:0 var(--radius) var(--radius) 0}
.related h2{margin:0 0 .3em;font-size:19px}.related ul{margin:0;padding-left:1.1em}
.faq{border:1px solid var(--line);border-radius:10px;margin:10px 0;background:#fff}
.faq summary{cursor:pointer;padding:14px 16px;font-weight:600;color:var(--navy)}.faq p{margin:0;padding:0 16px 14px}
.disclaimer-box{border:2px solid var(--amber);background:#fff8e8;border-radius:var(--radius);padding:4px 18px 10px;margin:0 0 22px}
.disclaimer-box h2{font-size:19px;margin:.8em 0 .3em}.disclaimer-box ul{padding-left:1.1em}
.lead-form{display:grid;gap:14px;max-width:560px}
.field label{display:block;font-weight:600;margin-bottom:4px}
.field input,.field textarea{width:100%;font:inherit;padding:12px;border:1px solid #9aa8b8;border-radius:8px;background:#fff;min-height:48px}
.field input:focus,.field textarea:focus{border-color:var(--navy)}
.field.check{display:flex;gap:10px;align-items:flex-start}.field.check input{width:22px;height:22px;min-height:0;margin-top:3px;flex:none}
.field.check label{font-weight:400;font-size:15px}
.help{font-size:14px;color:var(--muted);margin:4px 0 0}
.hp{position:absolute!important;left:-10000px;width:1px;height:1px;overflow:hidden}
.form-status{padding:12px 16px;border-radius:8px;margin:0 0 14px;font-weight:600}
.form-status.ok{background:#e7f6ec;border:1px solid #2e7d4f}.form-status.err{background:#fdecee;border:1px solid var(--red)}
.draft-note{font-size:14px;background:#fff3cd;border:1px dashed #b88a00;padding:6px 10px;border-radius:6px}
.site-footer{background:var(--navy2);color:#d7e0eb;padding:28px 0 22px;font-size:15px}
.site-footer a{color:#fff}.site-footer h2{font-size:16px;color:#fff;margin:0 0 6px}
.footer-grid{display:grid;gap:18px;grid-template-columns:1fr}
@media(min-width:700px){.footer-grid{grid-template-columns:repeat(3,1fr)}}
.site-footer ul{list-style:none;margin:0;padding:0}.site-footer li{margin:4px 0}
.disclaimer{border-top:1px solid rgba(255,255,255,.2);margin-top:20px;padding-top:14px;font-size:14px}
.site-footer .draft-note{color:#3a2b00}
.small{font-size:13px;opacity:.85}
@media(max-width:559px){.hero-art{display:none}}
.toc{background:var(--soft);border:1px solid var(--line);border-radius:var(--radius);padding:12px 18px;margin:18px 0 8px}
.toc h2{font-size:16px;margin:0 0 6px;color:var(--navy)}
.toc ol{margin:0;padding-left:22px;columns:1}
.toc li{margin:4px 0}
@media(min-width:760px){.toc ol{columns:2;column-gap:32px}}
.content h2[id]{scroll-margin-top:76px}
.content h3{font-size:18px;line-height:1.35;margin:18px 0 6px;color:var(--navy)}
.steps h3{margin-top:4px}
.cta-box a{color:#fff;text-decoration-color:var(--amber);text-underline-offset:3px}.cta-box a:hover{color:var(--amber)}.cta-box ul{padding-left:20px}