:root{--navy:#1a2b5f;--blue:#2563eb;--gold:#c9a84c;--light:#f5f7fb;--white:#fff;--text:#1e293b;--muted:#64748b;--border:#e2e8f0}*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:Arial,sans-serif;color:var(--text);line-height:1.7;background:var(--white)}a{color:var(--blue)}nav{position:sticky;top:0;z-index:10;display:flex;align-items:center;justify-content:space-between;padding:14px 5%;background:rgba(255,255,255,.97);border-bottom:1px solid var(--border)}nav img{height:52px}.nav-links{display:flex;gap:28px;align-items:center;list-style:none}.nav-links a{text-decoration:none;color:var(--navy);font-weight:700;font-size:.9rem}.nav-cta{padding:10px 20px;border-radius:7px;background:var(--navy);color:#fff!important}.hero{padding:82px max(6%,calc((100% - 1160px)/2));background:linear-gradient(135deg,#f5f7fb,#e8eefc)}.breadcrumb{font-size:.82rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;margin-bottom:18px}.breadcrumb a{text-decoration:none}.eyebrow{color:var(--blue);font-weight:800;text-transform:uppercase;letter-spacing:.1em;font-size:.8rem;margin-bottom:12px}h1,h2,h3{font-family:Georgia,serif;color:var(--navy);line-height:1.18}h1{font-size:clamp(2.4rem,5vw,4.4rem);max-width:950px;margin-bottom:20px}h2{font-size:clamp(1.8rem,3vw,2.65rem);margin-bottom:18px}h3{font-size:1.3rem;margin-bottom:9px}.hero p{font-size:1.12rem;color:var(--muted);max-width:820px}.hero-meta{display:flex;gap:18px;flex-wrap:wrap;margin-top:24px;font-size:.9rem;font-weight:700;color:var(--navy)}main article{max-width:900px;margin:auto;padding:72px 24px}.summary{background:var(--navy);color:#fff;border-radius:16px;padding:30px;margin-bottom:52px}.summary h2{color:#fff;font-size:1.55rem}.summary ul{padding-left:22px}.summary a{color:#fff}.article-section{margin:0 0 52px}.article-section p{margin:0 0 16px}.article-section ul,.article-section ol{padding-left:25px;margin:15px 0}.article-section li{margin-bottom:10px}.note{padding:22px 24px;border-left:5px solid var(--gold);background:#fffaf0;border-radius:0 12px 12px 0;margin:24px 0}.link-cards{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:22px}.link-card{display:block;text-decoration:none;border:1px solid var(--border);border-radius:14px;padding:22px;color:var(--text);background:var(--light)}.link-card strong{display:block;color:var(--navy);font-family:Georgia,serif;font-size:1.17rem;margin-bottom:5px}.faq details{border:1px solid var(--border);border-radius:12px;padding:18px 20px;margin:12px 0}.faq summary{cursor:pointer;font-weight:800;color:var(--navy)}.faq details p{margin:12px 0 0}.cta{background:var(--navy);color:#fff;border-radius:18px;padding:38px;text-align:center;margin-top:55px}.cta h2{color:#fff}.cta p{color:#dbe5ff;margin-bottom:20px}.btn{display:inline-block;text-decoration:none;background:#fff;color:var(--navy);padding:12px 23px;border-radius:7px;font-weight:800;margin:5px}footer{background:#0f1a3d;color:#ccd4e8;padding:45px 6%}.footer-grid{max-width:1160px;margin:auto;display:grid;grid-template-columns:2fr 1fr 1fr;gap:35px}.footer-grid h3{color:#fff;font-family:Arial,sans-serif;font-size:1rem}.footer-grid ul{list-style:none}.footer-grid a{color:#ccd4e8;text-decoration:none}.footer-bottom{max-width:1160px;margin:30px auto 0;padding-top:20px;border-top:1px solid #35405f;font-size:.85rem}@media(max-width:760px){nav{align-items:flex-start}.nav-links{gap:9px;flex-wrap:wrap;justify-content:flex-end}.nav-links li:nth-child(3),.nav-links li:nth-child(4){display:none}.hero{padding:55px 24px}.link-cards,.footer-grid{grid-template-columns:1fr}main article{padding-top:50px}.cta{padding:28px 20px}}