*{box-sizing:border-box;margin:0;padding:0}
:root{--blue:#003087;--blue-dark:#001f5c;--blue-soft:#eaf0f9;--red:#e30613;--gold:#f59e0b;--ink:#0f172a;--text:#475569;--muted:#64748b;--line:#e2e8f0;--surface:#fff;--bg:#f8fafc;--green:#047857;--green-bg:#ecfdf5;--amber:#92400e;--amber-bg:#fffbeb;--radius:18px;--shadow:0 18px 45px rgba(15,23,42,.08)}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;background:var(--bg);color:var(--ink);line-height:1.7;-webkit-font-smoothing:antialiased}
a{color:var(--blue);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:#0047b3}
.skip{position:absolute;left:-9999px;top:8px;background:white;color:var(--blue);padding:10px 14px;border-radius:8px;z-index:9999}.skip:focus{left:12px}
.site-header{position:sticky;top:0;z-index:50;background:rgba(0,48,135,.97);backdrop-filter:blur(10px);border-bottom:1px solid rgba(255,255,255,.12)}
.nav{max-width:1120px;margin:auto;padding:13px 22px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{font-family:'Nunito Sans',sans-serif;font-weight:900;font-size:21px;color:white;text-decoration:none;white-space:nowrap}.brand span{color:var(--gold)}
.navlinks{display:flex;align-items:center;gap:5px}.navlinks a{color:rgba(255,255,255,.78);font-size:13px;font-weight:700;text-decoration:none;padding:8px 10px;border-radius:9px}.navlinks a:hover,.navlinks a[aria-current="page"]{color:white;background:rgba(255,255,255,.1)}.navlinks .nav-cta{margin-left:4px;background:var(--gold);color:#111827;padding:9px 14px}.navlinks .nav-cta:hover{background:#fbbf24;color:#111827}
.hero{background:linear-gradient(135deg,#001c52 0%,#003087 72%,#0645a8 100%);color:white;padding:68px 22px 58px}.hero-inner{max-width:900px;margin:auto}.eyebrow{display:inline-flex;align-items:center;gap:7px;border:1px solid rgba(255,255,255,.2);background:rgba(255,255,255,.08);padding:5px 10px;border-radius:999px;font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.07em;margin-bottom:16px}.hero h1{font-family:'Nunito Sans',sans-serif;font-weight:900;font-size:clamp(34px,6vw,54px);line-height:1.08;letter-spacing:-.03em;margin-bottom:16px}.hero p{max-width:760px;color:rgba(255,255,255,.82);font-size:18px;line-height:1.7}.hero-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:26px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 18px;border-radius:11px;font-weight:800;font-size:14px;text-decoration:none;border:1px solid transparent}.btn-primary{background:var(--gold);color:#111827}.btn-primary:hover{background:#fbbf24;color:#111827}.btn-light{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.25);color:white}.btn-light:hover{background:rgba(255,255,255,.18);color:white}.btn-blue{background:var(--blue);color:white}.btn-blue:hover{background:#0047b3;color:white}.btn-outline{background:white;color:var(--blue);border-color:#b9c9e4}.btn-outline:hover{background:var(--blue-soft)}.btn-danger{background:#b91c1c;color:white}.btn-danger:hover{background:#991b1b;color:white}
.layout{max-width:1120px;margin:auto;padding:46px 22px 72px;display:grid;grid-template-columns:minmax(0,1fr) 260px;gap:42px;align-items:start}.content{min-width:0}.section{margin-bottom:48px;scroll-margin-top:90px}.section:last-child{margin-bottom:0}.section h2{font-family:'Nunito Sans',sans-serif;font-size:27px;line-height:1.2;letter-spacing:-.015em;margin-bottom:14px}.section h3{font-size:18px;margin:25px 0 8px}.section p{color:var(--text);margin-bottom:14px}.section ul,.section ol{padding-left:22px;color:var(--text);margin:10px 0 18px}.section li{margin:7px 0}.lead{font-size:18px!important;color:#334155!important}.small{font-size:13px;color:var(--muted)}
.toc{position:sticky;top:84px;background:white;border:1px solid var(--line);border-radius:15px;padding:18px;box-shadow:0 6px 24px rgba(15,23,42,.04)}.toc-title{font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin-bottom:10px}.toc a{display:block;color:#475569;text-decoration:none;font-size:13px;font-weight:650;padding:6px 0}.toc a:hover{color:var(--blue)}
.card{background:white;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 5px 20px rgba(15,23,42,.035);margin:20px 0}.card h3{margin-top:0}.card p:last-child{margin-bottom:0}.card-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin:22px 0}.mini-card{background:white;border:1px solid var(--line);border-radius:15px;padding:20px}.mini-card .icon{font-size:26px;margin-bottom:10px}.mini-card h3{font-size:16px;margin:0 0 6px}.mini-card p{font-size:14px;margin:0;color:var(--muted)}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:24px 0}.stat{background:white;border:1px solid var(--line);border-radius:15px;padding:20px 14px;text-align:center}.stat strong{display:block;font-family:'Nunito Sans',sans-serif;font-size:28px;color:var(--blue);line-height:1.1}.stat span{display:block;margin-top:6px;font-size:12px;color:var(--muted);font-weight:700}
.notice{border-radius:14px;padding:18px 20px;margin:20px 0;border:1px solid}.notice strong{color:inherit}.notice p{margin:0;color:inherit}.notice-info{background:#eff6ff;border-color:#bfdbfe;color:#1e40af}.notice-good{background:var(--green-bg);border-color:#a7f3d0;color:#065f46}.notice-warn{background:var(--amber-bg);border-color:#fde68a;color:var(--amber)}
.data-table{width:100%;border-collapse:collapse;margin:18px 0;background:white;border-radius:14px;overflow:hidden;border:1px solid var(--line)}.data-table th,.data-table td{text-align:left;padding:13px 15px;border-bottom:1px solid var(--line);vertical-align:top;font-size:14px}.data-table tr:last-child th,.data-table tr:last-child td{border-bottom:0}.data-table th{width:31%;color:#334155;background:#f8fafc;font-weight:800}.data-table td{color:#475569}
.steps{counter-reset:steps;display:grid;gap:12px;margin:22px 0}.step{position:relative;background:white;border:1px solid var(--line);border-radius:15px;padding:18px 18px 18px 62px}.step:before{counter-increment:steps;content:counter(steps);position:absolute;left:17px;top:17px;width:30px;height:30px;border-radius:50%;display:grid;place-items:center;background:var(--blue);color:white;font-weight:900;font-size:13px}.step strong{display:block;margin-bottom:3px}.step p{margin:0;color:var(--muted);font-size:14px}
.faq details{background:white;border:1px solid var(--line);border-radius:13px;padding:0 17px;margin:10px 0}.faq summary{cursor:pointer;font-weight:800;padding:15px 0;list-style:none}.faq summary::-webkit-details-marker{display:none}.faq details p{padding:0 0 15px;margin:0;font-size:14px;color:var(--muted)}
.contact-panel{background:linear-gradient(135deg,#003087,#0645a8);color:white;border-radius:20px;padding:30px;margin:24px 0}.contact-panel h2,.contact-panel h3{color:white}.contact-panel p{color:rgba(255,255,255,.8)}.contact-panel a:not(.btn){color:#fbbf24}
.meta-line{font-size:13px;color:var(--muted);margin-top:12px}.legal-index{display:flex;gap:8px;flex-wrap:wrap;margin:22px 0}.legal-index a{background:white;border:1px solid var(--line);border-radius:999px;padding:6px 11px;font-size:12px;font-weight:700;text-decoration:none;color:#475569}
.site-footer{background:#0f172a;color:rgba(255,255,255,.6);padding:44px 22px}.footer-grid{max-width:1120px;margin:auto;display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:34px}.footer-grid p{font-size:13px;line-height:1.7;margin-top:10px}.footer-title{color:white;font-weight:850;margin-bottom:10px}.footer-grid a{display:inline-block;color:rgba(255,255,255,.62);text-decoration:none;font-size:13px;margin:3px 0}.footer-grid a:hover{color:white}.footer-bottom{max-width:1120px;margin:28px auto 0;padding-top:20px;border-top:1px solid rgba(255,255,255,.1);font-size:12px;color:rgba(255,255,255,.42)}
@media(max-width:860px){.navlinks a:not(.nav-cta){display:none}.layout{grid-template-columns:1fr;padding-top:34px}.toc{display:none}.stats{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr 1fr}.hero{padding-top:54px}.card-grid{grid-template-columns:1fr}}
@media(max-width:560px){.nav{padding:12px 16px}.hero{padding:46px 18px}.hero p{font-size:16px}.layout{padding:30px 16px 54px}.stats{grid-template-columns:1fr 1fr}.stat strong{font-size:24px}.footer-grid{grid-template-columns:1fr}.data-table,.data-table tbody,.data-table tr,.data-table th,.data-table td{display:block;width:100%}.data-table th{border-bottom:0;padding-bottom:4px}.data-table td{padding-top:4px}.hero-actions .btn{width:100%}}