:root{--ink:#13212d;--muted:#596975;--line:#d9e1e6;--paper:#fff;--soft:#f2f6f8;--navy:#123c5a;--blue:#1d628e;--gold:#b78a48;--max:1200px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--ink);line-height:1.65;background:#fff}
a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}.wrap{width:min(var(--max),calc(100% - 40px));margin:auto}
.site-header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line)}
.nav-wrap{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{display:flex;align-items:center;gap:10px;color:var(--ink)}.brand:hover{text-decoration:none}.brand span{display:grid;place-items:center;width:38px;height:38px;border-radius:9px;background:var(--navy);color:#fff;font-weight:900}.brand strong{font-size:1rem}
.main-nav{display:flex;gap:3px}.main-nav a{padding:10px 9px;color:var(--ink);font-size:.88rem;font-weight:750;border-radius:8px}.main-nav a.active,.main-nav a:hover{background:var(--soft);text-decoration:none}.nav-toggle{display:none}
.subnav{border-bottom:1px solid var(--line);background:#f9fbfc}.subnav .wrap{display:flex;gap:16px;align-items:center;overflow:auto;padding-top:9px;padding-bottom:9px;white-space:nowrap;font-size:.84rem}
.hero{padding:80px 0 68px;background:linear-gradient(135deg,#eaf3f8,#f8fafb 68%,#fff8ec);border-bottom:1px solid var(--line)}.hero-grid{display:grid;grid-template-columns:1.55fr .7fr;gap:50px;align-items:center}
.eyebrow{display:inline-block;color:var(--blue);font-size:.75rem;font-weight:900;letter-spacing:.11em;text-transform:uppercase;margin-bottom:10px}
h1,h2,h3{line-height:1.14;letter-spacing:-.025em}h1{font-size:clamp(2.5rem,5.7vw,4.7rem);margin:.1em 0 .3em}h2{font-size:clamp(1.8rem,4vw,2.8rem);margin:0 0 14px}h3{font-size:1.12rem}
.hero-lead,.section-lead{font-size:1.12rem;color:var(--muted);max-width:840px}.hero-lead{font-size:1.2rem}.hero-card{padding:25px;border:1px solid var(--line);border-radius:16px;background:#fff;box-shadow:0 18px 42px rgba(18,60,90,.08)}
.section{padding:70px 0}.section.muted{background:var(--soft)}.card-grid{display:grid;gap:18px;margin-top:27px}.cols-3{grid-template-columns:repeat(3,1fr)}.cols-2{grid-template-columns:repeat(2,1fr)}.card{padding:23px;border:1px solid var(--line);border-radius:14px;background:#fff}.card p{color:var(--muted)}.text-link{font-weight:800}
.official-links{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:24px}.official-links a{padding:15px;border:1px solid var(--line);border-radius:10px;background:#fff;font-weight:800}
.site-footer{background:var(--navy);color:#dce8ef;padding:52px 0 20px}.footer-grid{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:28px}.site-footer h3{color:#fff}.site-footer a{display:block;color:#dce8ef;margin:7px 0}.footer-brand span{background:#fff;color:var(--navy)}.footer-brand strong{color:#fff}.footer-bottom{border-top:1px solid rgba(255,255,255,.15);margin-top:28px;padding-top:18px;display:flex;justify-content:space-between;gap:20px;color:#abc0ce;font-size:.85rem}
@media(max-width:950px){.hero-grid{grid-template-columns:1fr}.cols-3{grid-template-columns:repeat(2,1fr)}.main-nav{display:none;position:absolute;left:0;right:0;top:72px;background:#fff;padding:12px;border-bottom:1px solid var(--line);flex-direction:column}.main-nav.open{display:flex}.nav-toggle{display:block;border:1px solid var(--line);background:#fff;border-radius:8px;padding:8px 12px;font-weight:800}}
@media(max-width:700px){.wrap{width:min(var(--max),calc(100% - 28px))}.hero{padding:55px 0 45px}.section{padding:52px 0}.cols-2,.cols-3,.official-links,.footer-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

.answer-band{padding:38px 0;background:#123c5a;color:#fff}.answer-band .eyebrow{color:#b9d8eb}.answer-band h2{font-size:1.55rem;margin-bottom:10px}.answer-text{font-size:1.13rem;max-width:1000px;margin:0;color:#edf6fb}
.deep-guide{border-top:1px solid var(--line)}.prose-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:28px}.prose-grid article{padding:24px;border:1px solid var(--line);border-radius:14px;background:#fff}.prose-grid article p{color:var(--muted);margin-bottom:0}
.faq-list{display:grid;gap:10px;margin-top:24px}.faq-list details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:16px 18px}.faq-list summary{cursor:pointer;font-weight:800}.faq-list p{color:var(--muted)}
@media(max-width:700px){.prose-grid{grid-template-columns:1fr}}