:root{--ink:#12283a;--accent:#1668a7;--accent2:#0e4f80;--bg:#f6f9fc;--line:#dce6ef;--muted:#3c556b}
*{box-sizing:border-box;margin:0}
body{font:16px/1.65 -apple-system,'Segoe UI',Roboto,sans-serif;color:var(--ink);background:#fff}
a{color:var(--accent);text-decoration:none} a:hover{text-decoration:underline}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header{border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:14px 0;flex-wrap:wrap}
.brand{font-size:20px;font-weight:800;color:var(--ink)}
.nav nav{display:flex;flex-wrap:wrap;align-items:center;gap:6px 18px}
.nav nav a{font-weight:600}
.cta{background:var(--accent);color:#fff!important;padding:9px 18px;border-radius:8px;display:inline-block;font-weight:700}
.cta:hover{background:var(--accent2);text-decoration:none}
.crumbs{font-size:13px;color:#5d7488;padding:14px 0 0}
.crumbs a{color:#5d7488}
.hero{background:linear-gradient(180deg,var(--bg),#fff);padding:46px 0 34px}
.hero h1{font-size:36px;line-height:1.2;max-width:860px;margin-bottom:14px;text-wrap:balance}
.hero p.lead{max-width:760px;font-size:18px;color:var(--muted);margin-bottom:22px}
article{max-width:820px;padding:10px 0 30px}
article h2{font-size:25px;line-height:1.3;margin:34px 0 10px;text-wrap:balance}
article h3{font-size:18px;margin:22px 0 6px}
article p,article li{color:#25425a}
article p{margin:0 0 12px} article ul,article ol{margin:0 0 14px 22px} article li{margin:4px 0}
.note{background:var(--bg);border:1px solid var(--line);border-radius:10px;padding:14px 16px;margin:16px 0;color:var(--muted)}
.tablewrap{overflow-x:auto;margin:10px 0 18px}
table{border-collapse:collapse;width:100%;font-size:15px} th,td{border-bottom:1px solid var(--line);padding:8px 10px;text-align:left;vertical-align:top}
th{background:var(--bg)}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:18px;margin:16px 0 8px}
.card{border:1px solid var(--line);border-radius:12px;padding:18px;background:#fff}
.card h3{margin:0 0 6px;font-size:17px} .card p{font-size:15px;color:var(--muted);margin:0}
.band{background:var(--bg);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:34px 0;text-align:center;margin-top:20px}
.band h2{font-size:24px;margin-bottom:8px} .band p{color:var(--muted);margin-bottom:16px}
.faq{max-width:820px;padding:6px 0 30px}
.faq h2{font-size:25px;margin:30px 0 10px}
.faq details{border-bottom:1px solid var(--line);padding:12px 0}
.faq summary{cursor:pointer;font-weight:600;font-size:17px}
.faq details p{color:var(--muted);margin-top:8px;font-size:15px}
.related{max-width:820px;padding:0 0 30px} .related h2{font-size:20px;margin:10px 0 8px} .related ul{margin-left:20px}
footer{padding:30px 0;color:#5d7488;font-size:14px;text-align:center;border-top:1px solid var(--line)}
footer a{margin:0 4px} footer .cols{display:flex;flex-wrap:wrap;justify-content:center;gap:4px 10px;margin-top:8px}
@media(max-width:640px){.hero h1{font-size:28px}.hero p.lead{font-size:16px}article h2{font-size:22px}}