:root{--navy:#06182d;--navy2:#0a315b;--blue:#0b67bf;--blue2:#167cd5;--gold:#d9a43b;--paper:#fbfcfe;--soft:#f1f5f9;--ink:#172234;--muted:#5e6979;--line:#d8e0e8;--white:#fff;--shadow:0 16px 45px rgba(9,27,48,.11);--radius:18px;--max:1160px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Arial,Helvetica,sans-serif;line-height:1.65;-webkit-font-smoothing:antialiased}img{display:block;max-width:100%;height:auto}a{color:#064f93;text-decoration:underline;text-underline-offset:.15em}a:hover,a:focus{color:#8a5d0b}.wrap{width:min(100% - 38px,var(--max));margin-inline:auto}.narrow{width:min(100% - 38px,880px);margin-inline:auto}.skip{position:absolute;left:-9999px;top:8px;z-index:999;background:#fff;color:#000;padding:9px 13px;border:2px solid #000}.skip:focus{left:8px}.masthead{background:#fff;border-bottom:1px solid var(--line)}.masthead-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:88px}.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy)}.brand-mark{width:42px;height:48px;flex:none}.brand strong{font-size:1.45rem;letter-spacing:-.03em;display:block}.brand strong span{color:var(--blue)}.brand small{display:block;color:var(--muted);font-size:.7rem;letter-spacing:.06em;text-transform:uppercase;margin-top:2px}.site-header{background:var(--navy);position:sticky;top:0;z-index:30;box-shadow:0 4px 18px rgba(0,0,0,.16)}.nav{display:flex;list-style:none;margin:0;padding:0;gap:5px 20px;flex-wrap:wrap}.nav a{display:block;color:#fff;text-decoration:none;font-size:.85rem;font-weight:800;padding:14px 0 11px;border-bottom:3px solid transparent}.nav a:hover,.nav a:focus,.nav a[aria-current=page]{color:#fff;border-bottom-color:#4da2ef}.hero{background:linear-gradient(112deg,#061728,#0a2744 55%,#103d68);color:#fff;padding:64px 0;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.04fr .96fr;gap:48px;align-items:center}.eyebrow{display:inline-block;text-transform:uppercase;font-size:.76rem;font-weight:900;letter-spacing:.13em;color:#4198e6;margin-bottom:12px}.hero .eyebrow{color:#7fc0fa}h1,h2,h3{line-height:1.12;margin-top:0}h1{font-size:clamp(2.7rem,5.5vw,5rem);letter-spacing:-.045em;margin-bottom:18px}h2{font-size:clamp(1.8rem,3.3vw,2.85rem);letter-spacing:-.03em}h3{font-size:1.18rem}.hero .lead{font-size:1.17rem;color:#dae6f2;max-width:660px}.hero-image{border-radius:22px;overflow:hidden;box-shadow:0 30px 70px rgba(0,0,0,.36);border:1px solid rgba(255,255,255,.13)}.hero-image img{width:100%;height:395px;object-fit:cover}.btn-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:9px;padding:12px 18px;text-decoration:none;font-weight:900;border:2px solid transparent}.btn-primary{background:var(--blue);color:#fff}.btn-primary:hover,.btn-primary:focus{background:var(--blue2);color:#fff}.btn-outline{border-color:#9bbbd6;color:#fff;background:transparent}.section{padding:68px 0}.soft{background:var(--soft)}.dark{background:var(--navy);color:#fff}.dark p{color:#c4d0dc}.section-intro{font-size:1.07rem;color:var(--muted);max-width:800px;margin-bottom:30px}.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:23px}.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:23px}.grid-4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}.card h3 a{color:var(--ink)}.guide-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow)}.guide-card img{width:100%;height:155px;object-fit:cover}.guide-card .body{padding:20px}.steps{counter-reset:item;list-style:none;padding:0;margin:28px 0}.steps li{counter-increment:item;position:relative;padding:0 0 23px 50px}.steps li:before{content:counter(item);position:absolute;left:0;top:0;width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:var(--blue);color:#fff;font-weight:900}.callout{background:#eef7ff;border-left:5px solid var(--blue);padding:18px 20px;border-radius:0 12px 12px 0;margin:24px 0}.warning{background:#fff7e7;border-left-color:#c38a1a}.breadcrumbs{border-bottom:1px solid var(--line);background:#fff}.breadcrumbs ol{width:min(100% - 38px,var(--max));margin:0 auto;padding:10px 0;list-style:none;display:flex;gap:8px;flex-wrap:wrap;font-size:.88rem;color:var(--muted)}.breadcrumbs li:not(:last-child)::after{content:'›';padding-left:8px;color:#9ca6b2}.page-head{background:linear-gradient(180deg,#eef5fb,#fbfcfe);padding:46px 0 35px}.page-head h1{font-size:clamp(2.25rem,4.6vw,3.9rem);color:var(--navy)}.article{width:min(100% - 38px,900px);margin:auto;padding:48px 0 72px}.article h2{font-size:1.8rem;margin-top:38px}.article h3{margin-top:28px}.article .intro{font-size:1.15rem;color:var(--muted)}.sourcebox{background:#f5f7fa;border:1px solid var(--line);border-radius:14px;padding:21px;margin:28px 0}.source-links{display:flex;gap:9px;flex-wrap:wrap}.source-links a{background:#fff;border:1px solid #cbd6df;border-radius:999px;padding:7px 11px;text-decoration:none;font-weight:700;font-size:.88rem}.checklist{list-style:none;padding:0}.checklist li{padding:10px 0 10px 31px;position:relative;border-bottom:1px solid #edf0f3}.checklist li:before{content:'✓';position:absolute;left:4px;color:#0870c9;font-weight:900}.compare{width:100%;border-collapse:collapse;margin:24px 0}.compare th,.compare td{border:1px solid var(--line);padding:11px 12px;text-align:left;vertical-align:top}.compare th{background:#eef4f9}.faq details{border:1px solid var(--line);background:#fff;border-radius:12px;padding:14px 17px;margin:10px 0}.faq summary{font-weight:800;cursor:pointer}.quote{background:var(--navy);color:#fff;border-radius:18px;padding:27px;box-shadow:var(--shadow)}.quote blockquote{font-size:1.28rem;margin:0 0 11px;font-weight:700}.quote cite{font-style:normal;color:#b9cee1}.site-footer{background:#041221;color:#b7c5d3;padding:40px 0}.site-footer a{color:#fff}.footer-grid{display:grid;grid-template-columns:1.35fr .9fr .9fr .9fr;gap:26px}.footer-links{list-style:none;padding:0;margin:0}.footer-links li{margin:7px 0}.small{font-size:.88rem}.disclaimer{font-size:.84rem;color:#778391}@media(max-width:930px){.hero-grid,.grid-4{grid-template-columns:1fr 1fr}.grid-3{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}}@media(max-width:680px){.masthead-inner{min-height:76px}.brand strong{font-size:1.08rem}.brand small{font-size:.6rem}.nav{gap:2px 13px}.hero-grid,.grid-2,.grid-4,.footer-grid{grid-template-columns:1fr}.hero{padding:48px 0}.hero-image img{height:285px}.section{padding:50px 0}}