:root{
  --blue:#0b4bb3;--blue-dark:#07377e;--navy:#102844;--green:#9bc31a;--green-dark:#678b0b;
  --ink:#233143;--muted:#667487;--line:#dce4ec;--soft:#f6f8fb;--sky:#eef5fc;--white:#fff;
  --danger:#a23535;--warning:#9b6400;--max:1160px;--radius:18px;--shadow:0 15px 38px rgba(16,40,68,.11)
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#fff;color:var(--ink);font-family:Arial,Helvetica,sans-serif;line-height:1.62}
a{color:var(--blue)}img{display:block;max-width:100%}.container{width:min(var(--max),calc(100% - 38px));margin-inline:auto}
.skip-link{position:absolute;left:-9999px;top:8px;background:#fff;color:var(--blue-dark);padding:10px 14px;border-radius:8px;z-index:9999}.skip-link:focus{left:8px}
.site-header{background:#fff;border-bottom:1px solid var(--line)}.brand-row{display:flex;align-items:center;justify-content:space-between;gap:26px;padding:18px 0 14px}.brand-logo{width:min(703px,70vw);height:auto}.mini-contact{text-align:right;color:var(--muted);font-size:.89rem;white-space:nowrap}.mini-contact strong{display:block;color:var(--navy);font-size:.94rem}.mini-contact a{text-decoration:none}
.main-nav{background:var(--blue-dark);position:sticky;top:0;z-index:100;box-shadow:0 3px 12px rgba(10,38,80,.12)}.nav-inner{display:flex;align-items:stretch;justify-content:space-between}.nav-list{display:flex;align-items:stretch;flex-wrap:wrap;list-style:none;margin:0;padding:0}.nav-list a{display:flex;align-items:center;color:#fff;text-decoration:none;padding:14px 14px;border-bottom:3px solid transparent;font-size:.94rem}.nav-list a:hover,.nav-list a:focus,.nav-list a[aria-current=page]{background:rgba(255,255,255,.08);border-bottom-color:var(--green)}.nav-list .external::after{content:'↗';margin-left:5px;font-size:.8rem}.menu-button{display:none;border:0;background:transparent;color:#fff;font:inherit;padding:13px 4px;cursor:pointer}.menu-button span{display:inline-block;margin-left:8px}
.hero{position:relative;min-height:300px;display:flex;align-items:flex-end;background-image:linear-gradient(90deg,rgba(7,55,126,.78),rgba(16,40,68,.30)),url('../images/header.png');background-size:cover;background-position:center}.hero.home{min-height:430px}.hero-content{padding:62px 0 55px;color:#fff}.eyebrow{display:inline-block;margin-bottom:12px;padding:6px 11px;border-radius:999px;background:rgba(255,255,255,.92);color:#17324f;font-weight:700;font-size:.82rem;letter-spacing:.035em}.hero h1{margin:0;max-width:980px;font-size:clamp(2.1rem,5.2vw,4.05rem);line-height:1.07;text-shadow:0 3px 15px rgba(0,0,0,.25)}.hero p{max-width:820px;margin:20px 0 0;color:#f2f7fc;font-size:clamp(1.05rem,2.1vw,1.28rem)}.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.button{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 17px;border:2px solid transparent;border-radius:10px;text-decoration:none;font-weight:700;line-height:1.25;transition:.18s ease}.button.primary{background:var(--green);color:#17320a}.button.primary:hover{background:#b2d63a}.button.secondary{background:#fff;color:var(--blue-dark)}.button.outline{border-color:var(--blue);color:var(--blue);background:#fff}.button.dark{background:var(--blue-dark);color:#fff}.button:focus{outline:3px solid rgba(155,195,26,.38);outline-offset:2px}
main{overflow:hidden}section{padding:68px 0}.alt{background:var(--soft)}.narrow{max-width:860px}.section-kicker{margin:0 0 8px;color:var(--green-dark);text-transform:uppercase;letter-spacing:.075em;font-size:1.7rem;font-weight:700}h2,h3,h4{color:var(--navy);line-height:1.22}h2{margin:0 0 18px;font-size:clamp(1.7rem,3.4vw,2.55rem)}h3{margin:0 0 10px;font-size:1.22rem}h4{margin:0 0 8px;font-size:1.05rem}p{margin:0 0 18px}.lead{font-size:1.15rem;color:#384b60;max-width:900px}.muted{color:var(--muted)}.small{font-size:.9rem}.anchor-offset{scroll-margin-top:80px}
.grid-2,.grid-3,.grid-4{display:grid;gap:22px}.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}.cards{margin-top:30px}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:25px;box-shadow:0 6px 20px rgba(16,40,68,.055)}.card p:last-child{margin-bottom:0}.card .icon{width:47px;height:47px;display:grid;place-items:center;border-radius:13px;background:var(--sky);color:var(--blue-dark);font-size:1.35rem;margin-bottom:16px}.card.featured{border-top:5px solid var(--green)}.card-link{display:block;margin-top:15px;font-weight:700;text-decoration:none}.card-link::after{content:' →'}
.split{display:grid;grid-template-columns:1.18fr .82fr;gap:40px;align-items:start}.panel{background:var(--sky);border-left:5px solid var(--green);padding:26px;border-radius:0 var(--radius) var(--radius) 0}.panel.dark{background:var(--navy);color:#fff;border-left-color:var(--green)}.panel.dark h2,.panel.dark h3{color:#fff}.panel ul{margin-bottom:0}.facts{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:25px}.fact{padding:18px;border:1px solid var(--line);border-radius:14px;background:#fff}.fact strong{display:block;color:var(--blue-dark);font-size:1.1rem}.fact span{font-size:.9rem;color:var(--muted)}
.check-list,.plain-list{padding-left:0;list-style:none}.check-list li{position:relative;padding-left:29px;margin:9px 0}.check-list li::before{content:'✓';position:absolute;left:0;top:.05em;width:21px;height:21px;border-radius:50%;display:grid;place-items:center;background:#edf7d2;color:#557b00;font-weight:700;font-size:.8rem}.plain-list li{margin:8px 0}.plain-list li::before{content:'–';margin-right:9px;color:var(--green-dark);font-weight:700}
.steps{counter-reset:step;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px;margin-top:28px}.step{counter-increment:step;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}.step::before{content:counter(step);display:grid;place-items:center;width:35px;height:35px;border-radius:50%;background:var(--blue);color:#fff;font-weight:700;margin-bottom:14px}.step p{color:var(--muted);font-size:.94rem;margin:0}
.pills{display:flex;flex-wrap:wrap;gap:9px;margin-top:18px}.pill{display:inline-block;padding:7px 11px;border-radius:999px;background:var(--sky);border:1px solid #cfe0f1;color:var(--blue-dark);font-size:.88rem;font-weight:700}
details{background:#fff;border:1px solid var(--line);border-radius:14px;margin:12px 0;box-shadow:0 4px 15px rgba(16,40,68,.04)}summary{cursor:pointer;list-style:none;padding:18px 22px;display:flex;align-items:center;justify-content:space-between;gap:16px;color:var(--navy);font-weight:700}summary::-webkit-details-marker{display:none}summary::after{content:'+';color:var(--blue);font-size:1.55rem;font-weight:400}details[open] summary::after{content:'–'}.details-content{padding:0 22px 22px;border-top:1px solid var(--line)}.details-content>:first-child{margin-top:18px}
.notice{padding:22px 24px;border:1px solid #d4dfeb;background:#f8fbfe;border-radius:var(--radius)}.notice.warning{border-color:#e5c77b;background:#fff9ea}.notice.danger{border-color:#e1aaaa;background:#fff4f4}.notice h3{margin-bottom:9px}.notice p:last-child{margin-bottom:0}
.cta{display:grid;grid-template-columns:1fr auto;gap:26px;align-items:center;background:linear-gradient(135deg,var(--blue-dark),var(--navy));color:#fff;border-radius:22px;padding:38px;box-shadow:var(--shadow)}.cta h2{color:#fff;margin-bottom:8px}.cta p{color:#dce8f5;margin:0;max-width:760px}
.breadcrumbs{font-size:.88rem;color:var(--muted);margin-bottom:20px}.breadcrumbs a{text-decoration:none}.breadcrumbs span{margin:0 7px}.meta{display:flex;flex-wrap:wrap;gap:13px;color:var(--muted);font-size:.9rem;margin:0 0 18px}.article{max-width:900px}.article h2{font-size:1.55rem;margin-top:38px}.article h3{margin-top:28px}.article blockquote{margin:25px 0;padding:20px 23px;border-left:5px solid var(--green);background:var(--soft)}.article hr{border:0;border-top:1px solid var(--line);margin:38px 0}.source{font-size:.9rem;padding:13px 15px;background:var(--soft);border-radius:10px}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}.contact-item{padding:24px;border:1px solid var(--line);border-radius:var(--radius);background:#fff}.contact-item strong{display:block;color:var(--navy);margin-bottom:4px}.contact-item a{text-decoration:none}
.legal{max-width:950px}.legal h2{font-size:1.55rem;margin-top:38px}.legal h3{margin-top:26px}.legal address{font-style:normal}.legal .toc{padding:22px;border:1px solid var(--line);border-radius:var(--radius);background:var(--soft)}.legal .toc a{display:block;margin:5px 0;text-decoration:none}
.site-footer{background:var(--navy);color:#dbe5ef;margin-top:70px}.footer-top{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:35px;padding:46px 0}.footer-logo{width:min(520px,100%);background:#fff;border-radius:10px;padding:8px;margin-bottom:17px}.site-footer h3{color:#fff;font-size:1rem}.site-footer a{color:#eaf1f8;text-decoration:none}.site-footer a:hover{text-decoration:underline}.footer-links{list-style:none;padding:0;margin:0}.footer-links li{margin:7px 0}.footer-bottom{border-top:1px solid rgba(255,255,255,.13);padding:17px 0;font-size:.86rem;color:#b9c7d6;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
.top-link{position:fixed;right:18px;bottom:18px;width:42px;height:42px;border-radius:50%;display:none;place-items:center;background:var(--blue-dark);color:#fff;text-decoration:none;box-shadow:var(--shadow);z-index:50}.top-link.visible{display:grid}
@media(max-width:960px){.grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}.grid-3{grid-template-columns:repeat(2,minmax(0,1fr))}.steps{grid-template-columns:repeat(2,minmax(0,1fr))}.split{grid-template-columns:1fr}.footer-top{grid-template-columns:1fr 1fr}.footer-top>div:first-child{grid-column:1/-1}.nav-list a{padding-inline:10px;font-size:.89rem}}
@media(max-width:760px){.container{width:min(100% - 28px,var(--max))}.brand-row{align-items:flex-start}.brand-logo{width:100%;max-width:560px}.mini-contact{display:none}.main-nav{position:relative}.nav-inner{display:block}.menu-button{display:block;width:100%;text-align:left}.nav-list{display:none;flex-direction:column;align-items:stretch}.nav-list.open{display:flex}.nav-list a{padding:12px 4px;border-bottom:1px solid rgba(255,255,255,.12);border-left:4px solid transparent}.nav-list a[aria-current=page]{border-left-color:var(--green);border-bottom-color:rgba(255,255,255,.12)}.hero,.hero.home{min-height:320px}.hero-content{padding:46px 0}.grid-2,.grid-3,.grid-4,.contact-grid,.facts{grid-template-columns:1fr}.steps{grid-template-columns:1fr}.cta{grid-template-columns:1fr;padding:28px}.footer-top{grid-template-columns:1fr}.footer-top>div:first-child{grid-column:auto}section{padding:52px 0}}
@media print{.main-nav,.hero-actions,.top-link,.site-footer{display:none}.hero{min-height:auto;background:none}.hero-content{color:#000;padding:20px 0}.hero h1,.hero p{color:#000;text-shadow:none}.card,.step,details{break-inside:avoid;box-shadow:none}body{font-size:11pt}}