:root{--ink:#17202a;--muted:#5e6a73;--paper:#fff;--soft:#f3f6f7;--brand:#173b57;--accent:#d9792b;--line:#d9e0e4;--max:1160px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--paper);line-height:1.65}
a{color:var(--brand)}img{max-width:100%}.wrap{max-width:var(--max);margin:auto;padding:0 22px}
.topbar{background:#102c41;color:#fff;font-size:.92rem}.topbar .wrap{display:flex;justify-content:space-between;gap:18px;padding-top:8px;padding-bottom:8px}.topbar a{color:#fff;text-decoration:none;font-weight:700}
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}.nav{display:flex;align-items:center;justify-content:space-between;gap:18px;min-height:74px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:800;font-size:1.08rem}.brand-mark{width:38px;height:38px}
nav{display:flex;align-items:center;gap:20px}nav a{text-decoration:none;font-weight:700;color:#26333c;font-size:.95rem}.call{background:var(--accent);color:#fff!important;padding:11px 15px;border-radius:8px;box-shadow:0 2px 0 rgba(0,0,0,.08)}
.menu{display:none;border:0;background:none;font-size:1.5rem}.hero{background:linear-gradient(120deg,#eef4f7,#fff);border-bottom:1px solid var(--line)}.hero .wrap{padding-top:64px;padding-bottom:62px;display:grid;grid-template-columns:1.35fr .75fr;gap:46px;align-items:center}
.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-weight:800;color:var(--accent);font-size:.82rem}.hero h1,h1{font-size:clamp(2rem,5vw,3.7rem);line-height:1.08;margin:.2em 0 .3em}.hero p{font-size:1.12rem;color:var(--muted);max-width:760px}
.hero-card,.card,.cta,.note{background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px;box-shadow:0 8px 25px rgba(27,48,63,.06)}.hero-card h2{margin-top:0}
.btn{display:inline-block;background:var(--accent);color:#fff;text-decoration:none;font-weight:800;padding:14px 18px;border-radius:9px;margin:8px 8px 0 0}.btn.secondary{background:var(--brand)}
main .wrap{padding-top:44px;padding-bottom:54px}.breadcrumbs{font-size:.9rem;color:var(--muted);margin-bottom:24px}.breadcrumbs a{text-decoration:none}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card h3{margin-top:0}.card p{color:var(--muted)}.card a{font-weight:800;text-decoration:none}
.article{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:42px}.article h2{margin-top:1.55em;line-height:1.2}.article h3{margin-top:1.3em}.article p,.article li{font-size:1.04rem}.side{position:sticky;top:104px;align-self:start}.side .cta{margin-bottom:18px}
.cta{background:#102c41;color:#fff}.cta a{color:#fff}.cta h2,.cta h3{margin-top:0}.cta .btn{background:var(--accent)}
.kicker{font-weight:800;color:var(--brand)}.checklist li{margin:.45rem 0}.related{margin-top:45px;padding-top:25px;border-top:1px solid var(--line)}
footer{background:#102c41;color:#dce6ec;margin-top:30px}footer .wrap{padding-top:38px;padding-bottom:80px;display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:28px}footer a{color:#fff}footer h3{color:#fff;margin-top:0}.fine{font-size:.87rem;color:#c2d0d8}
.mobile-call{display:none;position:fixed;z-index:30;left:12px;right:12px;bottom:12px;background:var(--accent);color:#fff;text-decoration:none;text-align:center;font-weight:900;padding:15px;border-radius:10px;box-shadow:0 6px 30px rgba(0,0,0,.25)}
.table{width:100%;border-collapse:collapse;margin:20px 0}.table th,.table td{border:1px solid var(--line);padding:11px;text-align:left}.table th{background:var(--soft)}
.notice{background:#fff8ef;border-left:4px solid var(--accent);padding:15px 18px;border-radius:6px}
@media(max-width:850px){nav{display:none;position:absolute;top:74px;left:0;right:0;background:#fff;padding:18px 22px;border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start}nav.open{display:flex}.menu{display:block}.hero .wrap,.article,.grid,footer .wrap{grid-template-columns:1fr}.hero .wrap{padding-top:42px;padding-bottom:42px}.side{position:static}.mobile-call{display:block}.topbar .wrap{display:block;text-align:center}.desktop-call{display:none}}