:root{--navy:#10233f;--navy2:#1b3a63;--amber:#f2a516;--ink:#1d2430;--muted:#5b6574;--line:#e3e7ee;--bg:#f7f8fa;--max:1120px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:#fff}
a{color:var(--navy2)}a:hover{color:#b36f00}
img{max-width:100%;height:auto}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
.topbar{background:var(--navy);color:#fff;position:sticky;top:0;z-index:20}
.bar{display:flex;align-items:center;justify-content:space-between;min-height:62px;gap:16px}
.logo{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:700;font-size:19px;letter-spacing:.2px}
.logo svg{width:32px;height:32px}.logo:hover{color:#fff}
.menu-btn{display:none;cursor:pointer;background:none;color:#fff;font:inherit;border:1px solid #ffffff55;border-radius:6px;padding:6px 12px}
.mainnav>ul{display:flex;gap:6px;margin:0;padding:0;list-style:none}
.dd{position:relative}.dd summary{cursor:pointer;list-style:none;padding:8px 12px;border-radius:6px;font-weight:600;font-size:15px}
.dd summary::-webkit-details-marker{display:none}.dd summary:after{content:" ▾";opacity:.7}
.dd summary:hover,.dd details[open] summary{background:#ffffff1a}
.dd ul{position:absolute;right:0;top:44px;background:#fff;min-width:250px;list-style:none;margin:0;padding:8px;border-radius:10px;box-shadow:0 12px 30px #0003}
.dd ul a{display:block;padding:8px 12px;color:var(--ink);text-decoration:none;border-radius:6px;font-size:15px}
.dd ul a:hover,.dd ul a[aria-current]{background:var(--bg);color:var(--navy2)}
@media (max-width:900px){.menu-btn{display:block}.mainnav{display:none;position:absolute;left:0;right:0;top:62px;background:var(--navy);padding:8px 16px 16px;max-height:80vh;overflow:auto}
.mainnav.open{display:block}.mainnav>ul{flex-direction:column}.dd ul{position:static;box-shadow:none;background:#ffffff10}.dd ul a{color:#fff}.dd ul a:hover{background:#ffffff22;color:#fff}}
.home-hero{position:relative;color:#fff;min-height:520px;display:flex;align-items:flex-end;overflow:hidden;background:var(--navy)}
.home-hero .bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;filter:brightness(.55)}
.home-hero .wrap{position:relative;padding-top:80px;padding-bottom:60px;width:100%}
.home-hero h1{font-size:clamp(32px,5vw,54px);line-height:1.1;margin:.2em 0;max-width:820px}
.kicker{text-transform:uppercase;letter-spacing:.12em;font-size:13px;font-weight:700;color:var(--amber);margin:0}
.lede{font-size:20px;max-width:760px;color:inherit;opacity:.95}
.btn{display:inline-block;background:var(--amber);color:var(--navy);padding:12px 20px;border-radius:8px;font-weight:700;text-decoration:none;margin:6px 8px 0 0}
.btn:hover{background:#ffbb33;color:var(--navy)}.btn.ghost{background:transparent;color:#fff;border:2px solid #fff}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0;margin:22px 0 0;font-size:14px;color:var(--muted)}
.crumbs li+li:before{content:"›";margin-right:6px}
.page-head h1{font-size:clamp(30px,4vw,44px);line-height:1.15;margin:.4em 0 .2em;color:var(--navy)}
.page-head .lede{color:var(--muted)}.meta{font-size:14px;color:var(--muted);margin:0 0 18px}
.hero{margin:0 0 28px}.hero img{width:100%;max-height:480px;object-fit:cover;border-radius:12px}
.layout{display:grid;grid-template-columns:240px minmax(0,1fr);gap:44px}
.layout>.prose:only-child{grid-column:1/-1;max-width:780px}
@media (max-width:900px){.layout{grid-template-columns:1fr;gap:0}}
.toc{position:sticky;top:84px;align-self:start;font-size:14px;border-left:3px solid var(--amber);padding-left:14px}
.toc p{font-weight:700;margin:0 0 6px;text-transform:uppercase;font-size:12px;letter-spacing:.1em;color:var(--muted)}
.toc ol{margin:0;padding-left:18px}.toc li{margin:4px 0}
@media (max-width:900px){.toc{position:static;margin-bottom:20px}}
.prose{max-width:760px}.prose h2{color:var(--navy);font-size:27px;line-height:1.25;margin:1.6em 0 .5em;scroll-margin-top:80px}
.prose h3{font-size:20px;margin:1.4em 0 .4em;color:var(--navy2)}
.prose li{margin:.3em 0}
.callout{background:#fff8e6;border-left:4px solid var(--amber);padding:14px 18px;border-radius:6px;margin:1.4em 0}
.callout p:first-child{margin-top:0}.callout p:last-child{margin-bottom:0}
.tablewrap{overflow-x:auto;margin:1.2em 0}
table{border-collapse:collapse;width:100%;font-size:15px}th,td{border-bottom:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
th{background:var(--bg);color:var(--navy)}
details.faq{border:1px solid var(--line);border-radius:8px;padding:12px 16px;margin:10px 0}
details.faq summary{cursor:pointer;font-weight:650;color:var(--navy)}
figure.inline{margin:1.6em 0}figure.inline img{border-radius:10px}figcaption{font-size:14px;color:var(--muted);margin-top:6px}
.related{margin:60px 0 40px;border-top:1px solid var(--line);padding-top:10px}.related h2{color:var(--navy)}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:16px}
.card{display:block;border:1px solid var(--line);border-radius:10px;padding:18px;text-decoration:none;color:var(--ink);background:#fff;transition:.15s}
.card:hover{border-color:var(--amber);box-shadow:0 6px 18px #10233f14;color:var(--ink)}
.card strong{display:block;color:var(--navy);margin-bottom:6px;font-size:17px}.card span{font-size:15px;color:var(--muted)}
.card img{border-radius:8px;margin-bottom:12px;aspect-ratio:16/10;object-fit:cover;width:100%}
.home h2{color:var(--navy);font-size:30px;margin:56px 0 16px}
.home .intro{font-size:19px;max-width:800px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:center}@media (max-width:800px){.split{grid-template-columns:1fr}}
.split img{border-radius:12px}
.band{background:var(--bg);border-radius:14px;padding:28px}
.steps{counter-reset:s;list-style:none;padding:0}.steps li{counter-increment:s;position:relative;padding-left:48px;margin:16px 0}
.steps li:before{content:counter(s);position:absolute;left:0;top:0;width:32px;height:32px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:700;font-size:15px}
.est{border:1px solid var(--line);border-radius:12px;padding:22px;background:var(--bg);margin:1.4em 0}
.est .row{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:14px;margin-bottom:12px}
.est label{display:block;font-size:14px;font-weight:600;color:var(--navy)}
.est input,.est select{width:100%;padding:9px 10px;border:1px solid #c8cfda;border-radius:7px;font:inherit;background:#fff;margin-top:4px}
.est output{display:block;background:#fff;border:2px solid var(--amber);border-radius:10px;padding:16px;margin-top:10px}
.est output .big{font-size:28px;font-weight:800;color:var(--navy)}
.foot{background:var(--navy);color:#cfd8e6;margin-top:60px;padding:40px 0 20px;font-size:15px}
.foot .cols{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:28px}@media (max-width:800px){.foot .cols{grid-template-columns:1fr 1fr}}
.foot h2{font-size:14px;text-transform:uppercase;letter-spacing:.1em;color:#fff}
.foot ul{list-style:none;padding:0;margin:0}.foot li{margin:6px 0}.foot a{color:#cfd8e6;text-decoration:none}.foot a:hover{color:var(--amber)}
.foot .small{font-size:13px;border-top:1px solid #ffffff22;padding-top:16px;margin-top:28px;opacity:.8}
.dd details:not([open]) ul{display:none}
[hidden]{display:none!important}