:root{
  --ink:#10233d;--muted:#5b6b7f;--line:#dfe7f0;--soft:#f4f8fd;--blue:#1167df;
  --blue2:#0d56bd;--navy:#071b33;--white:#fff;--focus:#ffbf47;--max:1180px
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:#fbfdff;color:var(--ink);font:16px/1.72 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}
a{color:#0e5fc9;text-underline-offset:3px}a:hover{color:#083f87}
.skip{position:absolute;left:-9999px;top:8px;background:#fff;padding:10px 14px;z-index:100}
.skip:focus{left:8px;outline:3px solid var(--focus)}
.site-head{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}
.head-inner{max-width:var(--max);margin:auto;padding:12px 22px;display:flex;align-items:center;gap:22px}
.brand{font-size:20px;font-weight:850;text-decoration:none;color:var(--navy);letter-spacing:-.02em;white-space:nowrap}
.brand span{color:var(--blue)}
nav{margin-left:auto;display:flex;gap:18px;align-items:center}nav a{text-decoration:none;color:#334155;font-weight:650;font-size:14px}
.cta{display:inline-flex;align-items:center;justify-content:center;background:var(--blue);color:#fff!important;text-decoration:none;border-radius:9px;padding:11px 16px;font-weight:800;border:0}
.cta:hover{background:var(--blue2)}.cta.secondary{background:#eaf2ff;color:#0e56b5!important}
.head-cta{margin-left:4px}
.hero{max-width:var(--max);margin:auto;padding:76px 22px 42px}
.eyebrow{text-transform:uppercase;letter-spacing:.13em;color:var(--blue);font-size:12px;font-weight:850}
h1{font-size:clamp(40px,6vw,72px);line-height:1.02;letter-spacing:-.05em;margin:.18em 0 .28em;max-width:980px}
h2{font-size:30px;line-height:1.18;letter-spacing:-.025em;margin:2.0em 0 .5em}
h3{font-size:20px;line-height:1.25;margin:1.45em 0 .45em}
.lead{font-size:21px;color:var(--muted);max-width:790px}
.actions{display:flex;flex-wrap:wrap;gap:11px;margin:28px 0}
.home-section{max-width:var(--max);margin:auto;padding:24px 22px 64px}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.card{display:flex;flex-direction:column;gap:7px;background:#fff;border:1px solid var(--line);border-radius:15px;padding:21px;text-decoration:none;color:var(--ink);box-shadow:0 4px 20px rgba(17,38,70,.035)}
.card:hover{border-color:#bfd3ed;transform:translateY(-1px)}
.card strong{font-size:18px}.card span{color:var(--muted)}
.layout{max-width:var(--max);margin:auto;display:grid;grid-template-columns:minmax(0,760px) 300px;gap:54px;padding:58px 22px 80px}
.article h1{font-size:clamp(38px,5vw,58px)}
.article p,.article li{max-width:760px}
.breadcrumb{font-size:13px;color:#718096;margin-bottom:24px}.breadcrumb a{color:#5c6f85}
.updated{font-size:13px;color:#76869a;margin:16px 0 28px}
.note{padding:16px 18px;border:1px solid #f0d49b;background:#fff9e9;border-radius:10px;margin:22px 0}
.info{padding:18px 20px;border-left:4px solid var(--blue);background:#eef5ff;border-radius:0 10px 10px 0;margin:24px 0}
table{border-collapse:collapse;width:100%;background:#fff;margin:20px 0 30px}
th,td{padding:13px 14px;border:1px solid var(--line);text-align:left;vertical-align:top}
th{background:#f1f6fc}
ul,ol{padding-left:23px}
.sidebar{position:relative}.side-sticky{position:sticky;top:88px}
.sidebox{background:var(--navy);color:#fff;border-radius:16px;padding:23px;margin-bottom:18px}
.sidebox h2{font-size:23px;margin:0 0 8px}.sidebox p{color:#ced9e7;font-size:14px}.sidebox .cta{width:100%;margin-top:8px}
.toc{border:1px solid var(--line);border-radius:14px;padding:18px;background:#fff}.toc b{display:block;margin-bottom:8px}.toc a{display:block;padding:5px 0;text-decoration:none;font-size:14px}
.inline-cta{margin:48px 0 20px;background:linear-gradient(135deg,#071b33,#123a67);color:#fff;border-radius:18px;padding:28px}
.inline-cta h2{margin:0 0 7px}.inline-cta p{color:#d5e0ec;max-width:700px}
.related{border-top:1px solid var(--line);margin-top:50px;padding-top:26px}.related-links{display:grid;grid-template-columns:1fr 1fr;gap:12px}.related-links a{background:#f1f6fb;padding:13px 15px;border-radius:10px;text-decoration:none}
.site-foot{border-top:1px solid var(--line);background:#fff}
.foot-inner{max-width:var(--max);margin:auto;padding:38px 22px;display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px}
.foot-inner p{color:var(--muted);font-size:14px}.foot-links a{display:block;margin:5px 0}
.mobile-cta{display:none}
.disclosure{font-size:13px;color:#6a7788}
.kicker{display:inline-block;background:#eaf2ff;color:#0c5ac1;padding:5px 9px;border-radius:999px;font-size:12px;font-weight:750;margin-bottom:8px}
.checks li{margin-bottom:7px}
@media(max-width:900px){
  .layout{grid-template-columns:1fr;gap:24px}.sidebar{display:none}.grid{grid-template-columns:1fr 1fr}
  nav{display:none}.head-cta{margin-left:auto}.mobile-cta{display:flex;position:fixed;bottom:14px;left:14px;right:14px;z-index:40;box-shadow:0 8px 28px rgba(0,0,0,.22)}
  body{padding-bottom:68px}.foot-inner{grid-template-columns:1fr 1fr}
}
@media(max-width:620px){
  .grid,.related-links{grid-template-columns:1fr}.hero{padding-top:52px}.head-inner{padding:10px 14px}
  .brand{font-size:18px}.head-cta{font-size:13px;padding:9px 11px}.foot-inner{grid-template-columns:1fr}
  h1{font-size:42px}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.card:hover{transform:none}}