:root{--blue:#0b3d91;--blue-dark:#082c68;--blue-light:#e8effa;--amber:#f59e0b;--amber-dark:#b45309;--ink:#1c2733;--muted:#4b5a6a;--line:#d7dee7;--bg:#ffffff;--bg-soft:#f4f7fb;--radius:12px;--maxw:1120px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px;padding-bottom:0}img{max-width:100%;height:auto;display:block}a{color:var(--blue);text-decoration:underline;text-underline-offset:2px}a:hover{color:var(--blue-dark)}:focus-visible{outline:3px solid var(--amber);outline-offset:2px}.skip{position:absolute;left:-9999px;top:0;background:var(--blue);color:#fff;padding:10px 16px;z-index:99}.skip:focus{left:8px;top:8px;color:#fff}.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}.header-in{display:flex;align-items:center;gap:18px;max-width:var(--maxw);margin:0 auto;padding:10px 20px}.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink)}.brand svg{width:40px;height:40px;flex:none}.brand .brand-name{font-weight:800;font-size:1.25rem;letter-spacing:-.01em;color:var(--blue-dark)}.brand .brand-name span{color:var(--amber-dark)}.main-nav{margin-left:auto}.main-nav ul{display:flex;gap:6px;list-style:none;margin:0;padding:0}.main-nav a{display:inline-block;padding:10px 12px;min-height:44px;line-height:24px;text-decoration:none;color:var(--ink);font-weight:600;border-radius:8px}.main-nav a:hover{background:var(--blue-light);color:var(--blue-dark)}.nav-toggle{display:none;margin-left:auto;background:var(--blue);color:#fff;border:0;border-radius:8px;min-width:48px;min-height:48px;font-size:1.3rem;cursor:pointer}.header-call{margin-left:8px;background:var(--amber);color:#231600;font-weight:800;text-decoration:none;padding:12px 18px;min-height:48px;border-radius:10px;display:inline-flex;align-items:center;white-space:nowrap}.header-call:hover{background:#fbbf24;color:#231600}.breadcrumbs{background:var(--bg-soft);border-bottom:1px solid var(--line)}.breadcrumbs ol{display:flex;flex-wrap:wrap;gap:4px;list-style:none;margin:0 auto;max-width:var(--maxw);padding:8px 20px;font-size:.9rem}.breadcrumbs li+li::before{content:"\203A";margin:0 6px;color:var(--muted)}.breadcrumbs a{text-decoration:none}.breadcrumbs [aria-current]{color:var(--muted);font-weight:600}.hero{background:linear-gradient(180deg,var(--blue-light),#fff);border-bottom:1px solid var(--line)}.hero-in{max-width:var(--maxw);margin:0 auto;padding:42px 20px 30px;display:grid;grid-template-columns:1.05fr .95fr;gap:34px;align-items:center}.hero h1{font-size:2.35rem;line-height:1.15;margin:0 0 14px;color:var(--blue-dark);letter-spacing:-.02em}.hero .lede{font-size:1.13rem;color:var(--ink);margin:0 0 20px}.hero img{border-radius:var(--radius);box-shadow:0 10px 30px rgba(8,44,104,.18)}.cta-row{display:flex;flex-wrap:wrap;gap:12px;align-items:center}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:13px 24px;border-radius:10px;font-weight:800;text-decoration:none;font-size:1.05rem}.btn-call{background:var(--amber);color:#231600}.btn-call:hover{background:#fbbf24;color:#231600}.btn-ghost{background:#fff;color:var(--blue);border:2px solid var(--blue)}.btn-ghost:hover{background:var(--blue-light);color:var(--blue-dark)}.hero-note{font-size:.92rem;color:var(--muted);margin-top:12px}main{display:block}.page{max-width:var(--maxw);margin:0 auto;padding:28px 20px 10px}.page h1{font-size:2.1rem;line-height:1.2;color:var(--blue-dark);letter-spacing:-.02em;margin:6px 0 14px}h2{font-size:1.5rem;line-height:1.28;color:var(--blue-dark);margin:36px 0 12px;letter-spacing:-.01em}h3{font-size:1.13rem;color:var(--ink);margin:20px 0 8px}p{margin:0 0 14px}.direct-answer{font-size:1.08rem;background:var(--blue-light);border-left:4px solid var(--blue);border-radius:0 10px 10px 0;padding:16px 18px;margin:0 0 20px}ul,ol{margin:0 0 16px;padding-left:22px}li{margin-bottom:7px}.checks{list-style:none;padding-left:0}.checks li{padding-left:28px;position:relative}.checks li::before{content:"\2713";position:absolute;left:2px;color:var(--blue);font-weight:800}.steps{counter-reset:step;list-style:none;padding-left:0}.steps li{counter-increment:step;padding-left:46px;position:relative;margin-bottom:12px}.steps li::before{content:counter(step);position:absolute;left:0;top:1px;width:32px;height:32px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:18px 0 8px}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:16px 16px 12px}.card h3{margin:0 0 6px;font-size:1.05rem}.card h3 a{text-decoration:none}.card p{font-size:.95rem;color:var(--muted);margin:0 0 8px}.grid-2{grid-template-columns:repeat(2,1fr)}.link-list{columns:3;column-gap:28px;list-style:none;padding-left:0}.link-list li{margin-bottom:9px;break-inside:avoid}.link-list a{text-decoration:none;font-weight:600}.link-list a:hover{text-decoration:underline}.table-wrap{overflow-x:auto;margin:14px 0 20px;border:1px solid var(--line);border-radius:var(--radius)}table{border-collapse:collapse;width:100%;min-width:520px;font-size:.97rem}th,td{text-align:left;padding:11px 13px;border-bottom:1px solid var(--line);vertical-align:top}th{background:var(--blue-light);color:var(--blue-dark)}tr:last-child td{border-bottom:0}figure{margin:22px 0}figure img{border-radius:var(--radius)}figcaption{font-size:.9rem;color:var(--muted);margin-top:8px}.faq-item{border:1px solid var(--line);border-radius:var(--radius);margin-bottom:10px;background:#fff}.faq-item summary{cursor:pointer;font-weight:700;padding:15px 18px;min-height:44px;list-style:none;color:var(--blue-dark)}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary::after{content:"+";float:right;font-size:1.3rem;line-height:1;color:var(--amber-dark)}.faq-item[open ] summary::after{content:"\2212"}.faq-item .faq-a{padding:0 18px 6px}.cta-band{background:var(--blue);color:#fff;border-radius:var(--radius);padding:26px 24px;margin:34px 0 10px;text-align:center}.cta-band h2{color:#fff;margin-top:0}.cta-band p{color:#dbe7fa}.cta-band .btn-call{margin-top:6px}.contact-form{background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--radius);padding:22px;margin:18px 0}.contact-form label{display:block;font-weight:700;margin:14px 0 6px}.contact-form input,.contact-form select,.contact-form textarea{width:100%;padding:12px;border:1px solid var(--muted);border-radius:8px;font:inherit;min-height:48px;background:#fff}.contact-form textarea{min-height:110px}.contact-form button{background:var(--amber);border:0;color:#231600;font-weight:800;font-size:1.05rem;padding:14px 26px;min-height:52px;border-radius:10px;cursor:pointer;margin-top:18px}.form-note{font-size:.9rem;color:var(--muted)}.site-footer{background:var(--blue-dark);color:#dbe7fa;margin-top:44px}.footer-in{max-width:var(--maxw);margin:0 auto;padding:36px 20px 26px;display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:30px}.site-footer h3{color:#fff;margin-top:0}.site-footer a{color:#ffd58a;text-decoration:none}.site-footer a:hover{text-decoration:underline}.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin-bottom:7px}.footer-brand .brand-name{color:#fff;font-weight:800;font-size:1.2rem}.disclosure{max-width:var(--maxw);margin:0 auto;padding:0 20px 30px;font-size:.88rem;color:#a9c0e4;border-top:1px solid rgba(255,255,255,.18);padding-top:18px}.copyright{max-width:var(--maxw);margin:0 auto;padding:0 20px 26px;font-size:.88rem;color:#a9c0e4}.call-bar{display:none}@media (max-width:860px){body{padding-bottom:64px}.nav-toggle{display:inline-flex;align-items:center;justify-content:center}.main-nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 12px 24px rgba(8,44,104,.12)}.main-nav.open{display:block}.main-nav ul{flex-direction:column;padding:10px 16px 16px}.main-nav a{display:block;padding:13px 10px}.header-call{display:none}.hero-in{grid-template-columns:1fr;padding-top:30px}.hero h1{font-size:1.9rem}.page h1{font-size:1.75rem}.grid,.grid-2{grid-template-columns:1fr}.link-list{columns:1}.footer-in{grid-template-columns:1fr}.call-bar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;background:var(--blue-dark);padding:8px 12px calc(8px + env(safe-area-inset-bottom));gap:10px}.call-bar a{flex:1;display:flex;align-items:center;justify-content:center;min-height:48px;border-radius:10px;font-weight:800;text-decoration:none;background:var(--amber);color:#231600;font-size:1.05rem}.call-bar a.secondary{background:#fff;color:var(--blue-dark)}}@media (min-width:861px) and (max-width:1020px){.grid{grid-template-columns:repeat(2,1fr)}}