:root{--navy:#0b2545;--navy2:#13315c;--navy3:#06182d;--amber:#f4a012;--amber2:#ffd37b;--bg:#f7f5ef;--paper:#fff;--text:#16202e;--muted:#5c6a78;--line:#e5e0d5;--green:#147a55;--red:#b42336;--shadow:0 12px 34px rgba(11,37,69,.11);--radius:18px;--max:1160px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--text);font-family:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;line-height:1.68;-webkit-font-smoothing:antialiased}a{color:var(--navy2);text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:#091b33}.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;z-index:1000;background:#fff;padding:10px 14px;border-radius:8px}.container{width:min(var(--max),calc(100% - 34px));margin:auto}.site-header{position:sticky;top:0;z-index:50;background:rgba(11,37,69,.97);color:#fff;box-shadow:0 5px 20px rgba(0,0,0,.18);backdrop-filter:blur(12px)}.nav-wrap{min-height:72px;display:flex;align-items:center;gap:24px}.brand{display:flex;align-items:center;gap:11px;color:#fff;text-decoration:none;font-weight:850;letter-spacing:.1px;white-space:nowrap}.brand img{width:42px;height:42px}.brand small{display:block;font-size:10px;font-weight:600;opacity:.72;letter-spacing:.7px;text-transform:uppercase}.main-nav{margin-left:auto;display:flex;align-items:center;gap:6px}.main-nav a{color:#fff;text-decoration:none;font-size:14px;font-weight:700;padding:10px 11px;border-radius:10px}.main-nav a:hover,.main-nav a[aria-current="page"]{background:rgba(255,255,255,.13)}.nav-cta{background:var(--amber)!important;color:#172238!important}.menu-btn{display:none;margin-left:auto;color:#fff;background:rgba(255,255,255,.12);border:0;border-radius:10px;padding:10px 12px;font-size:20px}.hero{position:relative;overflow:hidden;color:#fff;background:linear-gradient(135deg,var(--navy3),var(--navy2));padding:84px 0 72px}.hero:before{content:"";position:absolute;width:650px;height:650px;border-radius:50%;right:-240px;top:-330px;background:radial-gradient(circle,rgba(244,160,18,.34),rgba(244,160,18,0) 66%)}.hero-grid{position:relative;display:grid;grid-template-columns:1.25fr .75fr;gap:52px;align-items:center}.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:850;text-transform:uppercase;letter-spacing:1.2px;color:var(--amber2)}.hero h1{font-size:clamp(38px,6vw,68px);line-height:1.04;letter-spacing:-2px;margin:14px 0 20px;max-width:850px}.hero p{font-size:19px;max-width:760px;color:rgba(255,255,255,.83)}.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:12px;padding:13px 19px;font-weight:850;text-decoration:none;cursor:pointer}.btn-primary{background:var(--amber);color:#172238}.btn-secondary{background:rgba(255,255,255,.11);border:1px solid rgba(255,255,255,.3);color:#fff}.hero-panel{background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.2);border-radius:24px;padding:22px;box-shadow:0 22px 70px rgba(0,0,0,.22)}.hero-stat{display:grid;grid-template-columns:1fr 1fr;gap:12px}.hero-stat div{padding:17px;background:rgba(255,255,255,.08);border-radius:14px}.hero-stat b{display:block;font-size:25px;color:var(--amber2)}.hero-stat span{font-size:12px;color:rgba(255,255,255,.72)}.notice{margin-top:14px;padding:13px 15px;border-radius:12px;background:rgba(244,160,18,.12);font-size:13px}.section{padding:66px 0}.section.alt{background:#fff}.section-head{display:flex;justify-content:space-between;gap:25px;align-items:end;margin-bottom:28px}.section-head h2{font-size:clamp(28px,4vw,42px);letter-spacing:-1px;margin:0}.section-head p{margin:0;max-width:650px;color:var(--muted)}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:19px}.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)}.card h3{margin:9px 0 8px;font-size:21px;line-height:1.28}.card p{margin:0;color:var(--muted)}.card a.stretch{display:inline-block;margin-top:16px;font-weight:800;text-decoration:none}.tag{display:inline-flex;padding:5px 9px;border-radius:999px;font-size:11px;font-weight:850;background:#fff4db;color:#714500;border:1px solid #f5d897}.icon{font-size:28px}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:15px;counter-reset:s}.step{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px}.step:before{content:counter(s);display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;font-weight:900}.step h3{font-size:17px;margin:14px 0 6px}.step p{font-size:14px;color:var(--muted);margin:0}.cta{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;border-radius:26px;padding:35px;display:flex;align-items:center;justify-content:space-between;gap:24px}.cta h2{margin:0 0 6px}.cta p{margin:0;color:rgba(255,255,255,.78)}.site-footer{background:#071a31;color:#fff;padding:48px 0 22px}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:28px}.site-footer h3{font-size:14px;text-transform:uppercase;letter-spacing:.8px;color:var(--amber2)}.site-footer a{display:block;color:rgba(255,255,255,.76);text-decoration:none;margin:8px 0;font-size:14px}.site-footer p{color:rgba(255,255,255,.68);font-size:14px}.footer-bottom{border-top:1px solid rgba(255,255,255,.13);padding-top:18px;margin-top:28px;color:rgba(255,255,255,.55);font-size:12px;display:flex;justify-content:space-between;gap:18px}.page-hero{background:linear-gradient(135deg,var(--navy3),var(--navy2));color:#fff;padding:58px 0 48px}.breadcrumbs{font-size:13px;color:rgba(255,255,255,.7);margin-bottom:15px}.breadcrumbs a{color:#fff}.page-hero h1{font-size:clamp(34px,5vw,56px);line-height:1.08;letter-spacing:-1.5px;margin:0;max-width:950px}.page-hero .lead{font-size:18px;max-width:800px;color:rgba(255,255,255,.8);margin:18px 0 0}.meta-row{display:flex;flex-wrap:wrap;gap:14px;margin-top:18px;font-size:13px;color:rgba(255,255,255,.68)}.article-layout{display:grid;grid-template-columns:minmax(0,760px) 280px;gap:45px;align-items:start}.article{background:#fff;border:1px solid var(--line);border-radius:22px;padding:clamp(22px,4vw,46px);box-shadow:var(--shadow)}.article h2{font-size:29px;line-height:1.25;margin:42px 0 13px;letter-spacing:-.5px}.article h2:first-child{margin-top:0}.article h3{font-size:21px;margin:28px 0 10px}.article p,.article li{font-size:16.5px}.article ul,.article ol{padding-left:24px}.article li{margin:8px 0}.quick{border-left:5px solid var(--amber);background:#fff8e9;border-radius:12px;padding:19px 21px;margin:0 0 28px}.quick strong{display:block;margin-bottom:5px}.warning{border-left:5px solid var(--red);background:#fff0f2;border-radius:12px;padding:17px 20px;margin:22px 0}.tip{border-left:5px solid var(--green);background:#edf9f4;border-radius:12px;padding:17px 20px;margin:22px 0}.table-wrap{overflow:auto;margin:22px 0}table{width:100%;border-collapse:collapse;background:#fff;font-size:14px}th,td{padding:13px 14px;border:1px solid var(--line);text-align:left;vertical-align:top}th{background:#f0f3f7;color:var(--navy);font-weight:850}.toc{position:sticky;top:96px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px}.toc h3{font-size:14px;text-transform:uppercase;letter-spacing:.8px;margin:0 0 10px;color:var(--muted)}.toc a{display:block;text-decoration:none;padding:7px 0;font-size:13px;border-bottom:1px solid #f0ece4}.toc a:last-child{border:0}.source-box{margin-top:38px;border-top:1px solid var(--line);padding-top:22px}.source-box h2{font-size:20px;margin:0 0 10px}.source-box li{font-size:13px;color:var(--muted)}.source-box a{word-break:break-word}.faq details{border:1px solid var(--line);border-radius:12px;padding:14px 16px;margin:10px 0;background:#fff}.faq summary{font-weight:850;cursor:pointer}.faq details p{margin-bottom:4px}.update-box{font-size:13px;color:var(--muted);background:#f7f8fa;border-radius:10px;padding:12px 14px}.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.article-card{background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden;box-shadow:0 8px 25px rgba(11,37,69,.07);display:flex;flex-direction:column}.article-card .cover{height:9px;background:linear-gradient(90deg,var(--navy),var(--amber))}.article-card .body{padding:20px;display:flex;flex-direction:column;flex:1}.article-card h2{font-size:20px;margin:8px 0}.article-card p{font-size:14px;color:var(--muted);flex:1}.article-card a{font-weight:850;text-decoration:none}.searchbox{width:100%;max-width:560px;padding:14px 16px;border:1px solid var(--line);border-radius:12px;font:inherit}.legal{max-width:850px;margin:auto}.legal h2{margin-top:35px}.cookie-note{position:fixed;z-index:60;left:18px;right:18px;bottom:18px;max-width:760px;margin:auto;background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px 16px;box-shadow:0 18px 50px rgba(0,0,0,.2);display:flex;gap:15px;align-items:center;font-size:13px}.cookie-note button{margin-left:auto;background:var(--navy);color:#fff;border:0;border-radius:9px;padding:9px 13px;font-weight:800}.hidden{display:none!important}.progress{position:fixed;top:0;left:0;height:3px;background:var(--amber);z-index:100;width:0}.ad-disclosure{font-size:11px;text-transform:uppercase;letter-spacing:1px;color:var(--muted);text-align:center;margin:26px 0 8px}.checklist{list-style:none!important;padding:0!important}.checklist li{position:relative;padding-left:30px}.checklist li:before{content:"✓";position:absolute;left:0;top:0;color:var(--green);font-weight:900}.home-search{background:#fff;border-radius:16px;padding:13px;display:flex;gap:10px;box-shadow:var(--shadow);margin-top:-30px;position:relative;z-index:3}.home-search input{flex:1;border:0;font:inherit;padding:8px;outline:0}.home-search button{border:0;border-radius:10px;padding:10px 17px;background:var(--navy);color:#fff;font-weight:800}.search-results{position:absolute;background:#fff;color:var(--text);left:0;right:0;top:100%;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);max-height:340px;overflow:auto;display:none}.search-results a{display:block;padding:12px 15px;border-bottom:1px solid var(--line);text-decoration:none}.search-results small{display:block;color:var(--muted)}
@media(max-width:900px){.main-nav{display:none;position:absolute;top:72px;left:0;right:0;background:var(--navy);padding:12px 17px 20px;flex-direction:column;align-items:stretch}.main-nav.open{display:flex}.menu-btn{display:block}.hero-grid,.article-layout{grid-template-columns:1fr}.hero-panel{max-width:600px}.grid,.article-grid{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:repeat(2,1fr)}.toc{position:static}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:610px){.container{width:min(100% - 24px,var(--max))}.brand span{font-size:14px}.brand small{display:none}.hero{padding:58px 0 56px}.hero h1{letter-spacing:-1.2px}.hero-grid{gap:25px}.grid,.article-grid,.steps,.footer-grid{grid-template-columns:1fr}.section{padding:47px 0}.section-head{display:block}.section-head p{margin-top:8px}.cta{display:block;padding:26px}.cta .btn{margin-top:18px}.article{padding:22px}.page-hero{padding:43px 0 37px}.cookie-note{display:block}.cookie-note button{margin:10px 0 0;width:100%}.home-search{display:block}.home-search button{width:100%;margin-top:7px}.footer-bottom{display:block}}
@media print{.site-header,.site-footer,.toc,.cookie-note,.progress,.actions{display:none!important}.article-layout{display:block}.article{box-shadow:none;border:0;padding:0}.page-hero{background:#fff;color:#000;padding:20px 0}.page-hero .lead,.meta-row,.breadcrumbs{color:#333}}