:root{--ink:#172033;--muted:#5d6678;--brand:#143d73;--accent:#b98a2e;--paper:#fff;--soft:#f5f7fb;--line:#dfe4ec}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--paper);line-height:1.65}
a{color:var(--brand)}img{max-width:100%;height:auto}.wrap{width:min(1120px,calc(100% - 32px));margin:auto}
.topbar{background:#0e2d55;color:#fff;font-size:.94rem}.topbar .wrap{display:flex;gap:20px;justify-content:space-between;padding:9px 0;flex-wrap:wrap}.topbar a{color:#fff;text-decoration:none}
header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:10}.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:14px 0}.brand{text-decoration:none;color:var(--ink);font-weight:800;font-size:1.22rem}.brand small{display:block;font-size:.72rem;color:var(--muted);font-weight:600}
nav ul{display:flex;list-style:none;gap:16px;margin:0;padding:0;flex-wrap:wrap}nav a{text-decoration:none;font-weight:700;font-size:.93rem}
.hero{background:linear-gradient(180deg,#f2f6fb,#fff);padding:58px 0 42px}.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-weight:800;font-size:.78rem;color:var(--brand)}h1{font-size:clamp(2rem,4.6vw,3.8rem);line-height:1.08;margin:.25em 0}.lede{font-size:1.18rem;color:#3f4a5c;max-width:780px}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}.btn{display:inline-block;padding:12px 18px;border-radius:7px;font-weight:800;text-decoration:none;border:2px solid var(--brand)}.btn.primary{background:var(--brand);color:#fff}.btn.secondary{background:#fff;color:var(--brand)}
main{padding:28px 0 64px}.grid{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:44px}.card{border:1px solid var(--line);border-radius:10px;padding:22px;background:#fff}.card.soft{background:var(--soft)}
section{margin:0 0 38px}h2{font-size:1.65rem;line-height:1.2;margin:0 0 14px}h3{font-size:1.18rem}.checklist{padding-left:1.25rem}.checklist li{margin:.45rem 0}
.breadcrumbs{font-size:.88rem;color:var(--muted);margin-bottom:18px}.breadcrumbs a{color:inherit}
.related{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.related a{display:block;border:1px solid var(--line);padding:13px;border-radius:8px;text-decoration:none;font-weight:700;background:#fff}
.faq details{border-top:1px solid var(--line);padding:14px 0}.faq summary{font-weight:800;cursor:pointer}.faq p{margin:.7rem 0 0}
.callout{border-left:5px solid var(--accent);padding:16px 18px;background:#fff8e8}
footer{background:#111827;color:#e6e9ef;padding:38px 0}footer a{color:#fff}.footergrid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:26px}.small{font-size:.88rem;color:#c9ced8}
.mobile-call{display:none}
@media(max-width:860px){header{position:static}.nav{align-items:flex-start;flex-direction:column}nav ul{gap:9px 14px}.grid{grid-template-columns:1fr}.footergrid{grid-template-columns:1fr}.related{grid-template-columns:1fr}.mobile-call{display:block;position:fixed;left:14px;right:14px;bottom:14px;z-index:30;text-align:center;background:#143d73;color:#fff;padding:13px;border-radius:8px;text-decoration:none;font-weight:800;box-shadow:0 4px 18px #0005}footer{padding-bottom:84px}}
@media(max-width:520px){.wrap{width:min(100% - 22px,1120px)}.hero{padding-top:36px}.topbar .wrap{display:block}.topbar span{display:block}.actions .btn{width:100%;text-align:center}}