:root{
  --navy:#0d2742;--blue:#1769b2;--teal:#147d7a;--gold:#d8a52f;
  --ink:#1d2939;--muted:#5f6f7f;--cream:#fbf8f0;--mist:#f2f6f9;
  --line:#d7e1ea;--white:#fff;--danger:#8a2e1c;--max:1180px;
  --shadow:0 18px 55px rgba(13,39,66,.11)
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,Segoe UI,Arial,sans-serif;color:var(--ink);line-height:1.65;background:#fff}
a{color:var(--blue)}
img{max-width:100%}
.skip{position:absolute;left:-9999px;top:0}.skip:focus{left:16px;top:16px;background:#fff;padding:10px;z-index:999}
.container{width:min(var(--max),calc(100% - 36px));margin:auto}
.topbar{background:var(--navy);color:#fff;padding:9px 0;font-size:.92rem;text-align:center}
.topbar strong{color:#ffd66b}
.header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:78px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy);font-weight:900}
.brand-mark{width:44px;height:44px;border-radius:13px;background:linear-gradient(145deg,var(--blue),var(--teal));color:#fff;display:grid;place-items:center;box-shadow:var(--shadow)}
.menu{display:flex;gap:17px;align-items:center;flex-wrap:wrap}
.menu a{text-decoration:none;color:var(--navy);font-weight:750}
.menu a:hover,.menu a:focus{text-decoration:underline}
.mobile-toggle{display:none}
.hero{padding:92px 0;background:
 radial-gradient(circle at 88% 15%,rgba(23,105,178,.18),transparent 30%),
 radial-gradient(circle at 5% 95%,rgba(216,165,47,.18),transparent 28%),
 linear-gradient(120deg,var(--cream),#fff 56%,#eaf4fb)}
.hero-grid,.split{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-weight:900;color:var(--teal);font-size:.82rem}
h1,h2,h3{color:var(--navy);line-height:1.15}
h1{font-family:Georgia,serif;font-size:clamp(2.8rem,6vw,5.35rem);margin:.2em 0}
h2{font-family:Georgia,serif;font-size:clamp(2rem,4vw,3.2rem);margin:.25em 0}
h3{font-size:1.25rem;margin:.2em 0 .55em}
.lead{font-size:1.18rem;color:var(--muted);max-width:790px}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:25px}
.button{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 18px;border-radius:10px;text-decoration:none;font-weight:900;border:1px solid transparent;cursor:pointer}
.primary{background:var(--blue);color:#fff}.secondary{background:#fff;color:var(--navy);border-color:var(--line)}.gold{background:var(--gold);color:#231b08}
.hero-card,.card,.tool-card,.notice,.form-shell{background:#fff;border:1px solid var(--line);border-radius:18px;padding:25px;box-shadow:var(--shadow)}
.hero-card ul{margin:0;padding-left:20px}
.section{padding:74px 0}.mist{background:var(--mist)}.cream{background:var(--cream)}
.section-head{max-width:780px;margin-bottom:30px}
.grid{display:grid;gap:20px}.three{grid-template-columns:repeat(3,1fr)}.four{grid-template-columns:repeat(4,1fr)}.two{grid-template-columns:repeat(2,1fr)}
.card{box-shadow:none}.card:hover{transform:translateY(-2px);transition:.2s;box-shadow:var(--shadow)}
.icon{width:44px;height:44px;border-radius:12px;background:#e8f2fb;color:var(--blue);display:grid;place-items:center;font-weight:900;margin-bottom:12px}
.disclosure{border-left:5px solid var(--gold);background:#fff8de;padding:20px;border-radius:10px}
.danger{border-left-color:var(--danger);background:#fff1ed}
.list{padding-left:20px}.list li{margin-bottom:7px}
.tool{display:grid;gap:10px}.tool label{font-weight:750}.tool input,.tool select,.form input,.form select,.form textarea{width:100%;padding:12px;border:1px solid #b9c8d6;border-radius:9px;font:inherit}
.form textarea{min-height:140px}.form{display:grid;gap:15px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:15px}
.result{padding:13px;border-radius:10px;background:#eaf7f5;color:#0a4f4d;font-weight:800;min-height:48px}
.table-wrap{overflow:auto}.compare{width:100%;border-collapse:collapse}.compare th,.compare td{border:1px solid var(--line);padding:12px;text-align:left}.compare th{background:#eaf3fb}
.resource-list{display:grid;gap:12px}.resource{display:flex;justify-content:space-between;gap:15px;align-items:center;border-bottom:1px solid var(--line);padding:14px 0}
.badge{display:inline-block;background:#e7f4f2;color:#0b5d59;border-radius:999px;padding:4px 10px;font-size:.82rem;font-weight:900}
.breadcrumbs{font-size:.92rem;color:var(--muted);margin-top:18px}.breadcrumbs a{color:var(--muted)}
.article{max-width:840px}.article h2{margin-top:1.4em}.article h3{margin-top:1.2em}.article p,.article li{font-size:1.04rem}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:15px 18px;margin-bottom:12px}.faq summary{font-weight:900;cursor:pointer}
.cta{background:linear-gradient(135deg,var(--navy),#153f68);color:#fff;border-radius:22px;padding:34px;display:flex;justify-content:space-between;gap:20px;align-items:center}.cta h2,.cta p{color:#fff}
.footer{background:var(--navy);color:#dce5ed;padding:52px 0 26px}.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:28px}.footer a{color:#fff}.footer h3{color:#fff}.fine{font-size:.88rem;color:#aebdca}
.printable{background:#fff;border:1px dashed #9fb2c3;padding:20px;border-radius:12px}
.hp-field{position:absolute;left:-9999px}
@media(max-width:900px){.hero-grid,.split,.three,.four,.two,.footer-grid{grid-template-columns:1fr}.menu{display:none}.menu.open{display:flex;flex-direction:column;align-items:flex-start;padding:15px 0}.mobile-toggle{display:inline-flex}.nav{align-items:flex-start;padding:14px 0}.brand{margin-top:5px}.form-row{grid-template-columns:1fr}.cta{display:block}.cta .button{margin-top:12px}}
@media print{.header,.footer,.topbar,.actions,.mobile-toggle{display:none!important}.section{padding:20px 0}.card,.tool-card,.notice,.form-shell{box-shadow:none}}