:root { --bg:#eef3f8; --ink:#1a365d; --muted:#4a5b73; --line:#e3e9f1; --card:#fff; --accent:#1a365d; --gold:#c4a35a; --max:68rem; }
*{box-sizing:border-box} html{scroll-behavior:smooth}
body{margin:0;font-family:"Segoe UI",system-ui,sans-serif;color:#1c2b3a;background:var(--bg);line-height:1.7;font-size:1.05rem}
a{color:var(--accent)}
.skip{position:absolute;left:-999px;top:0;background:#1a365d;color:#fff;padding:.5rem 1rem}
.skip:focus{left:.5rem;z-index:5}
.wrap{width:min(var(--max),calc(100% - 2rem));margin-inline:auto}
header.top{background:#1a365d;color:#fff;border-bottom:3px solid var(--gold)}
.bar{display:flex;flex-wrap:wrap;gap:.75rem 1.5rem;align-items:center;justify-content:space-between;padding:.85rem 0}
.brand{color:#fff;text-decoration:none;font-weight:800;letter-spacing:.06em;text-transform:uppercase;font-size:.92rem}
.brand small{display:block;font-weight:500;letter-spacing:0;text-transform:none;opacity:.88;font-size:.78rem;margin-top:.12rem}
nav{display:flex;gap:1.15rem;flex-wrap:wrap}
nav a{color:#fff;text-decoration:none;font-weight:650;font-size:.98rem}
nav a[aria-current="page"]{text-decoration:underline;text-underline-offset:.25rem}
main{padding:1.35rem 0 2.6rem}
.hero{background:var(--card);border:1px solid var(--line);border-radius:18px;box-shadow:0 12px 32px rgba(20,40,80,.06);padding:1.55rem 1.45rem 1.25rem}
.eyebrow{margin:0 0 .65rem;color:#1a365d;font-size:.78rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase}
h1{color:#1a365d;font-size:clamp(2rem,4.4vw,2.75rem);line-height:1.12;letter-spacing:-.03em;font-weight:800;margin:0 0 .75rem}
.lead{font-size:1.08rem;color:#334155;margin:0 0 1.05rem;max-width:48rem}
.cta{display:inline-block;background:#1a365d;color:#fff;text-decoration:none;font-weight:750;padding:.72rem 1rem;border-radius:10px}
.cta:hover{background:#152c4d}
.warn{margin:1.15rem 0 0;background:#fbfbfb;border-left:4px solid var(--gold);padding:.85rem 1rem;color:#1c2b3a}
.warn strong{font-weight:800}
.topics{margin-top:.95rem}
.grid{display:grid;grid-template-columns:1fr 1fr;gap:.8rem;padding:0;list-style:none;margin:0}
.grid a{display:block;background:#fff;border:1px solid var(--line);border-radius:16px;padding:1.05rem 1.1rem 1rem;text-decoration:none;color:#1a365d;box-shadow:0 8px 22px rgba(20,40,80,.04)}
.grid a strong{display:block;font-size:1.28rem;line-height:1.25;font-weight:750}
.grid a span{display:block;color:var(--muted);font-weight:450;margin-top:.35rem}
.prose{background:#fff;border:1px solid var(--line);border-radius:18px;padding:1.2rem 1.35rem 1.5rem;margin-top:.95rem}
.prose h2{color:#1a365d;font-size:1.45rem;line-height:1.25;margin:1.35rem 0 .4rem}
.prose h2:first-child{margin-top:.2rem}
.updated{color:var(--muted);font-size:.92rem;margin-top:0}
ul,ol{padding-left:1.2rem} li{margin:.35rem 0}
table{width:100%;border-collapse:collapse;background:#fff;font-size:.98rem}
caption{text-align:left;font-weight:700;margin-bottom:.4rem}
th,td{border:1px solid var(--line);padding:.55rem .65rem;vertical-align:top;text-align:left}
th{background:#f4f7fb} .table-wrap{overflow-x:auto;margin:1rem 0}
.faq details{border-top:1px solid var(--line);padding:.75rem 0}
.faq summary{cursor:pointer;font-weight:700;color:#1a365d}
footer{color:var(--muted);font-size:.95rem;padding:0 0 2.2rem}
footer .wrap{border-top:1px solid #d5deea;padding-top:1rem}
footer p{margin:.35rem 0}
.crumbs{font-size:.92rem;color:var(--muted);margin:0 0 .7rem}
.crumbs a{color:var(--muted)}
@media(max-width:800px){.grid{grid-template-columns:1fr}}