:root{--ink:#10233d;--muted:#52657a;--brand:#0b5cab;--brand2:#073b6c;--accent:#e9f4ff;--line:#dce5ef;--bg:#f7fafc;--white:#fff;--ok:#0a6b4b}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--white);line-height:1.65}
a{color:var(--brand);text-decoration-thickness:1px;text-underline-offset:3px}.wrap{width:min(1120px,92vw);margin:auto}
.topbar{background:var(--brand2);color:#fff;font-size:.92rem}.topbar .wrap{display:flex;justify-content:space-between;gap:18px;padding:8px 0}.topbar a{color:#fff;font-weight:800}
header{position:sticky;top:0;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);z-index:20;backdrop-filter:blur(8px)}
.headerrow{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:22px}.brand{display:flex;align-items:center;gap:10px;color:var(--ink);text-decoration:none;font-weight:900;letter-spacing:-.02em}.mark{width:36px;height:36px;border-radius:10px;background:var(--brand);display:grid;place-items:center;color:#fff;font-weight:900}
nav{display:flex;gap:22px;align-items:center}nav a{text-decoration:none;color:var(--ink);font-weight:700;font-size:.94rem}.callnav{background:var(--brand);color:#fff!important;padding:11px 16px;border-radius:999px}
.hero{background:linear-gradient(135deg,#f5faff,#e8f3ff);border-bottom:1px solid var(--line)}.hero .wrap{padding:64px 0 52px;display:grid;grid-template-columns:1.35fr .65fr;gap:38px;align-items:center}
.eyebrow{display:inline-block;font-size:.82rem;font-weight:900;letter-spacing:.1em;text-transform:uppercase;color:var(--brand);margin-bottom:8px}.hero h1,.article h1{font-size:clamp(2.2rem,5vw,4rem);line-height:1.04;letter-spacing:-.045em;margin:.1em 0 .35em}.hero p{font-size:1.16rem;color:var(--muted);max-width:760px}
.cta{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--brand);color:#fff;text-decoration:none;font-weight:900;padding:15px 22px;border-radius:10px;box-shadow:0 8px 24px rgba(11,92,171,.16)}.cta.secondary{background:#fff;color:var(--brand);border:1px solid var(--line);box-shadow:none}
.hero-card,.callout,.card{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:0 10px 30px rgba(16,35,61,.06)}.hero-card{padding:28px}.hero-card .phone{font-size:1.45rem;font-weight:950;text-decoration:none}.small{font-size:.9rem;color:var(--muted)}
main section{padding:46px 0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{padding:24px}.card h3{margin-top:0;line-height:1.25}.card p{color:var(--muted)}
.breadcrumbs{font-size:.88rem;color:var(--muted);padding-top:24px}.breadcrumbs a{color:var(--muted)}
.article{width:min(820px,92vw);margin:auto;padding:30px 0 110px}.article h1{font-size:clamp(2.2rem,5vw,3.5rem)}.lede{font-size:1.15rem;color:var(--muted)}.article h2{font-size:1.7rem;letter-spacing:-.02em;margin-top:2.1em}.article h3{font-size:1.2rem;margin-top:1.7em}.article li{margin:.55em 0}.factbox{background:var(--accent);border-left:4px solid var(--brand);padding:18px 20px;border-radius:8px;margin:26px 0}.callout{padding:26px;margin:34px 0;background:#f8fbff}.callout h2{margin-top:0}.source-list{font-size:.92rem}.source-list li{margin:.45em 0}
.related{margin-top:40px}.related ul{padding-left:1.1rem}.related a{font-weight:750}
footer{background:#0d1e31;color:#dce7f2;padding:42px 0 90px}footer a{color:#fff}.footgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:28px}.legal{font-size:.86rem;color:#aebdcb;max-width:900px;margin-top:26px}
.mobile-call{display:none;position:fixed;left:12px;right:12px;bottom:12px;z-index:30;background:var(--brand);color:#fff;text-decoration:none;text-align:center;font-weight:950;padding:15px;border-radius:12px;box-shadow:0 8px 30px rgba(0,0,0,.25)}
.notice{font-size:.9rem;background:#fff8e6;border:1px solid #f1d79b;padding:14px 16px;border-radius:10px;color:#594214}
@media(max-width:800px){nav{display:none}.hero .wrap{grid-template-columns:1fr;padding:42px 0}.grid{grid-template-columns:1fr}.footgrid{grid-template-columns:1fr}.mobile-call{display:block}.topbar .wrap{justify-content:center}.topbar span:first-child{display:none}.article{padding-bottom:120px}}