:root{--navy:#00133f;--navy2:#001a56;--blue:#075ec9;--green:#2de55f;--teal:#007e72;--ink:#11203c;--muted:#5b677d;--soft:#f4f8fc;--softg:#effbf4;--line:#dce6f2;--shadow:0 16px 48px rgba(0,19,63,.10);--shadow2:0 8px 26px rgba(0,19,63,.08);--r:22px;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);line-height:1.68;background:#fff;-webkit-font-smoothing:antialiased}img{display:block;max-width:100%}a{color:var(--blue);text-underline-offset:3px}a:hover{color:var(--teal)}strong{font-weight:780}.container{width:min(var(--max),92%);margin:auto}.skip{position:absolute;left:-9999px}.skip:focus{left:10px;top:10px;background:#fff;padding:10px;z-index:9999}
header{position:sticky;top:0;z-index:1000;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.head{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:25px}.logo{width:184px}.nav{display:flex;align-items:center;gap:18px}.nav a{font-size:.93rem;color:var(--navy);font-weight:750;text-decoration:none;white-space:nowrap}.nav .cta{padding:11px 16px;border-radius:999px;background:linear-gradient(135deg,var(--blue),var(--teal));color:#fff}.menub{display:none;border:1px solid var(--line);background:#fff;border-radius:12px;padding:10px}.menub span{display:block;width:23px;height:2px;background:var(--navy);margin:5px}.mnav{display:none;padding-bottom:16px}.mnav.open{display:grid}.mnav a{padding:10px 12px;color:var(--navy);font-weight:700;text-decoration:none}.crumb{padding-top:15px;font-size:.9rem;color:var(--muted)}.crumb a{color:var(--muted)}
.hero{overflow:hidden;padding:70px 0 52px;background:radial-gradient(circle at 87% 18%,rgba(45,229,95,.20),transparent 26%),radial-gradient(circle at 8% 10%,rgba(7,94,201,.14),transparent 30%),linear-gradient(180deg,#fff,#f8fbff)}.herog{display:grid;grid-template-columns:1.28fr .72fr;gap:44px;align-items:center}.eyebrow,.kicker{font-size:.8rem;font-weight:850;letter-spacing:.08em;text-transform:uppercase;color:var(--teal)}.eyebrow:before{content:"";display:inline-block;width:26px;height:3px;background:linear-gradient(90deg,var(--blue),var(--green));border-radius:99px;margin:0 8px 3px 0}h1,h2,h3{color:var(--navy);line-height:1.16;letter-spacing:-.02em;margin:0 0 15px}h1{font-size:clamp(2.35rem,5vw,4.2rem)}h2{font-size:clamp(1.7rem,3.3vw,2.65rem)}h3{font-size:1.25rem}.lead{font-size:clamp(1.05rem,1.8vw,1.2rem);color:#34425b}.hero-card,.card,.quick,.notice{background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow2)}.hero-card{padding:27px}.hero-card img{width:116px;margin:0 0 16px auto}.hero-card li{margin:8px 0}.buttons{display:flex;gap:12px;flex-wrap:wrap;margin:24px 0}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 20px;border-radius:999px;background:linear-gradient(135deg,var(--blue),var(--teal));color:#fff!important;font-weight:800;text-decoration:none!important;border:2px solid transparent;box-shadow:var(--shadow2)}.btn.secondary{background:#fff;color:var(--navy)!important;border-color:var(--blue);box-shadow:none}.btn.green{background:linear-gradient(135deg,#12c96a,var(--teal))}
.trust{background:var(--navy);color:#dce8ff}.trust .container{padding:17px 0;display:flex;gap:22px;justify-content:center;flex-wrap:wrap;font-size:.92rem}.trust strong{color:#fff}.section{padding:70px 0}.alt{background:var(--soft)}.greenish{background:var(--softg)}.section-head{max-width:840px;margin-bottom:30px}.grid2,.grid3,.grid4{display:grid;gap:21px}.grid2{grid-template-columns:repeat(2,1fr)}.grid3{grid-template-columns:repeat(3,1fr)}.grid4{grid-template-columns:repeat(4,1fr)}.card{padding:24px}.card.accent{border-top:4px solid var(--green)}.card.blue{border-top:4px solid var(--blue)}.card.teal{border-top:4px solid var(--teal)}.quick{border-left:5px solid #12c96a;border-radius:0 15px 15px 0;padding:18px 20px;margin:24px 0}.notice{padding:19px 21px;margin:24px 0}.notice.warn{background:#fff8e8;border-color:#f1dca5}.notice.good{background:var(--softg);border-color:#bfe9cf}.article{max-width:920px}.article h2{margin-top:43px}.article h3{margin-top:27px}.article p,.article li{font-size:1.02rem}.article li{margin:7px 0}.toc{background:var(--soft);border:1px solid var(--line);border-radius:var(--r);padding:21px;margin:25px 0}.toc li{margin:5px 0}.steps{display:grid;gap:15px;counter-reset:s}.step{counter-increment:s;display:grid;grid-template-columns:56px 1fr;gap:17px;padding:19px;border:1px solid var(--line);border-radius:15px;background:#fff}.step:before{content:counter(s);width:44px;height:44px;border-radius:50%;display:grid;place-items:center;background:linear-gradient(135deg,var(--blue),#12c96a);color:#fff;font-weight:900}
.tablewrap{overflow:auto;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow2)}table{border-collapse:collapse;width:100%;min-width:760px;background:#fff}th,td{padding:15px 16px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}th{background:var(--navy);color:#fff}tbody tr:nth-child(even){background:#fafcff}tr.rec{background:#effbf4!important}.badge{display:inline-block;padding:5px 9px;border-radius:999px;background:#e7f9ee;color:#087e47;font-size:.75rem;font-weight:850}
.faq{display:grid;gap:12px}.faq details{border:1px solid var(--line);border-radius:14px;padding:0 18px;background:#fff}.faq summary{cursor:pointer;padding:16px 0;font-weight:800;color:var(--navy);list-style:none}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";float:right;color:var(--teal)}.faq details[open] summary:after{content:"−"}.faq details p{margin:0;padding:0 0 16px}.sources{margin-top:40px;border-top:1px solid var(--line);padding-top:23px}.cta-band{padding:56px 0;background:linear-gradient(135deg,var(--navy),#063a6b 65%,var(--teal));color:#e8f0ff}.cta-band h2,.cta-band h3{color:#fff}.provider{position:relative}.ribbon{position:absolute;right:13px;top:13px;padding:5px 9px;border-radius:999px;background:#12c96a;color:#003b2b;font-size:.74rem;font-weight:900}.search{display:flex;margin:18px 0}.search input{width:100%;padding:13px 16px;border-radius:999px;border:1px solid var(--line);font:inherit}
footer{background:#00102f;color:#cbd7eb;padding-top:50px}.footgrid{display:grid;grid-template-columns:1.2fr 1fr 1fr 1fr;gap:27px}.flogo{width:165px;margin-bottom:14px}footer h3{color:#fff;font-size:1rem}footer a{color:#d9e7ff}footer ul{list-style:none;margin:0;padding:0;display:grid;gap:7px}.footbottom{border-top:1px solid rgba(255,255,255,.12);margin-top:33px;padding:20px 0;font-size:.88rem;color:#aebed8}.dots{display:flex;gap:7px;margin-top:14px}.dots span{width:15px;height:15px;border-radius:50%}.dots span:nth-child(1){background:#00133f;border:1px solid #fff}.dots span:nth-child(2){background:#075ec9}.dots span:nth-child(3){background:#2de55f}.dots span:nth-child(4){background:#007e72}
@media(max-width:1020px){.nav{display:none}.menub{display:block}.herog{grid-template-columns:1fr}.grid4{grid-template-columns:repeat(2,1fr)}.footgrid{grid-template-columns:repeat(2,1fr)}}@media(max-width:760px){.logo{width:158px}.hero{padding:50px 0 40px}.section{padding:54px 0}.grid2,.grid3,.grid4{grid-template-columns:1fr}.footgrid{grid-template-columns:1fr}.trust .container{justify-content:flex-start}.step{grid-template-columns:46px 1fr}}@media(max-width:470px){.container{width:90%}h1{font-size:2.18rem}.buttons{display:grid}.btn{width:100%}}