:root{--navy:#0B1F33;--gold:#C6A15B;--ink:#16202a;--slate:#5B6775;--line:#e4e9ef;--soft:#f4f6f8;--max:1180px}*{box-sizing:border-box}body{margin:0;font-family:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--ink);line-height:1.6}a{text-decoration:none;color:inherit}.container{width:min(var(--max),calc(100% - 36px));margin:auto}.topbar{background:var(--navy);color:#dce7f0;padding:8px 0;font-size:.86rem}.topbar .container{display:flex;justify-content:space-between;gap:16px}.header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}.navw{height:74px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{font-weight:900;color:var(--navy);font-size:1.15rem}.brand b{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:10px;background:var(--navy);color:var(--gold);margin-right:9px}.nav{display:flex;gap:18px;align-items:center;font-weight:750;font-size:.92rem}.menu{display:none}.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;padding:12px 19px;font-weight:850;border:1px solid transparent;cursor:pointer}.btn-gold{background:var(--gold);color:var(--navy)}.btn-dark{background:var(--navy);color:#fff}.btn-light{border-color:#bfcbd6;color:var(--navy);background:#fff}.hero{background:linear-gradient(135deg,#071827,#0B1F33 60%,#17405f);color:#fff;padding:80px 0}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:50px;align-items:center}.eyebrow{font-weight:900;text-transform:uppercase;letter-spacing:.13em;font-size:.76rem;color:#e1c58e}.hero h1{font-size:clamp(2.5rem,5vw,4.5rem);line-height:1.02;letter-spacing:-.05em;margin:12px 0 18px}.hero p{font-size:1.1rem;color:#dbe5ee;max-width:760px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:25px}.hero-card,.card{background:#fff;color:var(--ink);border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:0 12px 34px rgba(11,31,51,.07)}.hero-card{box-shadow:0 28px 70px rgba(0,0,0,.2)}.section{padding:70px 0}.soft{background:var(--soft)}.dark{background:var(--navy);color:#fff}.title{max-width:760px;margin-bottom:30px}.title.center{text-align:center;margin:0 auto 34px}.title h2{color:var(--navy);font-size:clamp(1.9rem,3.5vw,3rem);line-height:1.1;letter-spacing:-.04em;margin:8px 0 10px}.dark .title h2{color:#fff}.title p,.card p{color:var(--slate)}.dark .title p{color:#cbd8e3}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.card h3{color:var(--navy);margin:4px 0 8px}.kicker{display:inline-block;background:#f7eddc;color:#74571e;padding:5px 9px;border-radius:999px;font-size:.72rem;font-weight:850}.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:36px}.stat{border-top:1px solid rgba(255,255,255,.2);padding-top:12px}.stat strong{display:block}.stat span{font-size:.76rem;color:#b9cad8}.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:42px;align-items:start}.article{max-width:820px}.article h1{font-size:clamp(2.3rem,5vw,4rem);line-height:1.05;letter-spacing:-.045em;color:var(--navy)}.article h2{color:var(--navy);margin-top:38px;font-size:1.75rem}.article p,.article li{font-size:1.02rem}.article table{width:100%;border-collapse:collapse;margin:22px 0}.article td,.article th{border:1px solid var(--line);padding:11px;text-align:left;vertical-align:top}.article th{background:var(--soft);color:var(--navy)}.toc{position:sticky;top:95px;background:#fff;border:1px solid var(--line);border-radius:15px;padding:18px}.toc a{display:block;padding:5px 0;font-size:.86rem;color:var(--slate)}.notice{border-left:4px solid var(--gold);background:#fbf7ef;padding:15px 17px;margin:20px 0;border-radius:0 10px 10px 0}.cta{background:var(--navy);color:#fff;border-radius:22px;padding:30px;display:flex;align-items:center;justify-content:space-between;gap:20px}.footer{background:#061521;color:#c3d0db;padding:50px 0 90px}.footer-grid{display:grid;grid-template-columns:1.3fr repeat(3,1fr);gap:28px}.footer h4{color:#fff}.footer a{display:block;padding:4px 0}.footnote{border-top:1px solid rgba(255,255,255,.12);margin-top:28px;padding-top:16px;font-size:.76rem;color:#8ea2b3}.mobilebar{display:none}label{font-weight:800;font-size:.87rem;color:var(--navy);display:block;margin-bottom:5px}input,select,textarea{width:100%;padding:12px 13px;border:1px solid #c9d3dd;border-radius:10px;font:inherit}textarea{min-height:110px}.qform{display:grid;gap:11px}.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:15px}.full{grid-column:1/-1}.faq details{border-bottom:1px solid var(--line);padding:14px 0}.faq summary{font-weight:850;color:var(--navy)}
@media(max-width:900px){.nav{display:none;position:absolute;left:0;right:0;top:74px;background:#fff;padding:18px;flex-direction:column;align-items:stretch;border-bottom:1px solid var(--line)}.nav.open{display:flex}.menu{display:block;border:1px solid var(--line);background:#fff;border-radius:9px;padding:8px 11px}.hero-grid,.grid2,.grid3,.grid4,.article-grid,.footer-grid{grid-template-columns:1fr}.toc{position:static}.stats{grid-template-columns:repeat(2,1fr)}.topbar .container{justify-content:center}.desktop{display:none}}
@media(max-width:640px){.container{width:min(var(--max),calc(100% - 24px))}.hero{padding:56px 0}.hero h1{font-size:2.5rem}.section{padding:52px 0}.form-grid{grid-template-columns:1fr}.full{grid-column:auto}.mobilebar{display:grid;grid-template-columns:repeat(3,1fr);position:fixed;left:0;right:0;bottom:0;z-index:60;background:#fff;border-top:1px solid var(--line)}.mobilebar a{text-align:center;padding:11px 5px;font-size:.76rem;font-weight:900;color:var(--navy)}.mobilebar .apply{background:var(--gold)}.cta{flex-direction:column;align-items:flex-start}.footer{padding-bottom:95px}}