:root{
  --navy:#14213d;--navy-2:#1f2d52;--gold:#fca311;--gold-d:#b86e00;
  --bg:#ffffff;--bg-2:#f4f5f7;--text:#1b1f2a;--muted:#5a6272;--line:#e2e5ea;
  --radius:12px;--max:1120px;
  --font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.65 var(--font);color:var(--text);background:var(--bg)}
img,svg{max-width:100%;height:auto}
a{color:#0b5cad;text-underline-offset:2px}
a:hover{color:var(--gold-d)}
h1,h2,h3{line-height:1.25;color:var(--navy);margin:1.6em 0 .5em}
h1{font-size:clamp(1.9rem,4vw,2.7rem);margin-top:0}
h2{font-size:clamp(1.4rem,2.6vw,1.8rem)}
h3{font-size:1.15rem}
.wrap{max-width:var(--max);margin:0 auto;padding:0 16px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:#000;padding:8px 12px;z-index:10}
.skip:focus{left:8px}

/* Header */
.site-header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:5}
.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:64px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:700;font-size:1.2rem;letter-spacing:.2px}
.brand:hover{color:var(--gold)}
.site-nav ul{display:flex;flex-wrap:wrap;gap:4px;list-style:none;margin:0;padding:0}
.site-nav a{display:block;padding:8px 10px;border-radius:8px;color:#e8ebf2;text-decoration:none;font-size:.95rem}
.site-nav a:hover,.site-nav a[aria-current=page]{background:var(--navy-2);color:var(--gold)}
.nav-toggle,.nav-burger{display:none}
@media (max-width:900px){
  .nav-burger{display:block;width:40px;height:40px;cursor:pointer;position:relative}
  .nav-burger span,.nav-burger span::before,.nav-burger span::after{content:"";position:absolute;left:8px;right:8px;height:2px;background:#fff}
  .nav-burger span{top:19px}.nav-burger span::before{top:-8px;left:0;right:0}.nav-burger span::after{top:8px;left:0;right:0}
  .site-nav{display:none;position:absolute;left:0;right:0;top:64px;background:var(--navy);padding:8px 16px 16px}
  .site-nav ul{flex-direction:column}
  .nav-toggle:checked ~ .site-nav{display:block}
}

/* Hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,#243b73 100%);color:#fff;padding:56px 0 64px}
.hero h1{color:#fff}
.hero-inner{display:grid;grid-template-columns:1.6fr 1fr;gap:32px;align-items:center}
.hero .lead{color:#dfe4ee}
.hero-art{margin:0;justify-self:center}
.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:.8rem;color:var(--gold);margin:0 0 12px;font-weight:600}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}
.btn{display:inline-block;background:var(--gold);color:#111;padding:12px 20px;border-radius:10px;font-weight:700;text-decoration:none}
.btn:hover{background:#ffb938;color:#111}
.btn-ghost{background:transparent;color:#fff;border:2px solid #ffffff55}
.btn-ghost:hover{background:#ffffff14;color:#fff}
@media (max-width:760px){.hero-inner{grid-template-columns:1fr}.hero-art{display:none}.hero{padding:36px 0 44px}}

.lead{font-size:1.15rem;color:var(--muted)}
.section{padding:28px 0}
.note{background:var(--bg-2);border-radius:var(--radius);padding:24px;margin:24px 0 40px}
.note h2{margin-top:0}

/* Features & cards */
.features{list-style:none;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px}
.features li{background:var(--bg-2);border-radius:var(--radius);padding:18px 20px;border-top:4px solid var(--gold)}
.features h3{margin:0 0 6px}
.features p{margin:0;color:var(--muted);font-size:.97rem}
.cards{list-style:none;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:16px}
.card a{display:flex;flex-direction:column;gap:6px;height:100%;padding:18px 20px;border:1px solid var(--line);border-radius:var(--radius);text-decoration:none;color:var(--text);transition:border-color .15s,box-shadow .15s}
.card a:hover{border-color:var(--gold);box-shadow:0 6px 20px rgba(20,33,61,.08)}
.card strong{color:var(--navy);font-size:1.05rem}
.card span{color:var(--muted);font-size:.93rem}
.checklist li,.steps li{margin:.4em 0}
.more{font-weight:600}

/* Tables */
.table-wrap{overflow-x:auto;margin:1em 0 1.4em;border:1px solid var(--line);border-radius:var(--radius)}
table{border-collapse:collapse;width:100%;min-width:560px;font-size:.96rem}
caption{text-align:left;padding:12px 14px;font-weight:600;color:var(--navy);background:var(--bg-2)}
th,td{padding:10px 14px;border-top:1px solid var(--line);text-align:left;vertical-align:top}
thead th{background:var(--navy);color:#fff;border-top:0}
tbody th{color:var(--navy)}

/* Article */
.main{min-height:60vh}
.breadcrumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0;margin:20px 0 8px;font-size:.9rem;color:var(--muted)}
.breadcrumbs li+li::before{content:"›";margin-right:6px}
.article{padding-bottom:24px}
.article.has-toc{display:grid;grid-template-columns:minmax(0,1fr) 260px;column-gap:48px}
.article.has-toc .article-head{grid-column:1/-1}
.article.has-toc .prose{grid-row:2;grid-column:1}
.toc{grid-column:2;grid-row:2;align-self:start;position:sticky;top:84px;background:var(--bg-2);border-radius:var(--radius);padding:16px 18px;font-size:.93rem}
.toc-title{font-weight:700;color:var(--navy);margin:0 0 6px}
.toc ol{margin:0;padding-left:1.2em}
.toc li{margin:.3em 0}
@media (max-width:900px){.article.has-toc{display:block}.toc{position:static;margin:0 0 20px}}
.meta{color:var(--muted);font-size:.92rem;margin:.2em 0 1.4em}
.prose{max-width:760px}
.prose h2{scroll-margin-top:80px}
.prose li{margin:.35em 0}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:24px}
@media (max-width:640px){.two-col{grid-template-columns:1fr}}
.steps{padding-left:1.3em}
.steps h3{margin:.8em 0 .2em}
.steps p{margin:0}
.related{border-top:1px solid var(--line);padding:16px 0 40px}

/* FAQ */
.faq details{border:1px solid var(--line);border-radius:10px;padding:12px 16px;margin:10px 0}
.faq summary{cursor:pointer;font-weight:600;color:var(--navy)}
.faq details p{margin:.6em 0 0;color:var(--muted)}
.faq-item{border-bottom:1px solid var(--line);padding:4px 0 12px}
.faq-item h2{font-size:1.2rem;margin:1em 0 .3em}

/* Search */
.search-form,.search-mini{display:flex;gap:8px;margin:12px 0 20px}
.search-form input,.search-mini input{flex:1;min-width:0;padding:11px 14px;border:1px solid var(--line);border-radius:10px;font:inherit}
.search-form button,.search-mini button{padding:10px 16px;border:0;border-radius:10px;background:var(--gold);font:inherit;font-weight:700;cursor:pointer}
.results{list-style:none;padding:0}
.results li{padding:12px 0;border-bottom:1px solid var(--line)}
.results a{font-weight:600;font-size:1.08rem}
.results p{margin:.3em 0 0;color:var(--muted);font-size:.95rem}

/* Footer */
.site-footer{background:var(--navy);color:#cfd5e1;margin-top:40px;font-size:.95rem}
.site-footer a{color:#e8ebf2}
.site-footer a:hover{color:var(--gold)}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:32px;padding:40px 16px 24px}
.footer-grid ul{list-style:none;padding:0;margin:0}
.footer-grid li{margin:.35em 0}
.footer-brand{font-weight:700;font-size:1.2rem;color:#fff;margin:0 0 8px}
.footer-title{font-weight:700;color:var(--gold);margin:0 0 8px}
.footer-bottom{border-top:1px solid #ffffff1f;padding:16px;font-size:.85rem;color:#a9b2c3}
.search-mini input{background:#fff}
@media (max-width:800px){.footer-grid{grid-template-columns:1fr}}

@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
@media print{.site-header,.site-footer,.toc,.related,.skip{display:none}}