:root{--navy:#0f2a3d;--navy-2:#173b55;--sand:#f4ede2;--sand-2:#e8dcc8;--sun:#e8a33d;--sun-dark:#c9861f;--ink:#1b2630;--muted:#5b6872;--white:#fff;--radius:10px}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:Inter,system-ui,sans-serif;color:var(--ink);background:var(--white);line-height:1.65}
a{color:inherit}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
h1,h2,h3{font-family:"Barlow Condensed",sans-serif;line-height:1.05;letter-spacing:.3px}
.btn{display:inline-block;background:var(--sun);color:var(--navy);font-weight:600;padding:14px 26px;border-radius:var(--radius);text-decoration:none;border:0;cursor:pointer;font-size:16px}
.btn:hover{background:var(--sun-dark)}
.btn:disabled{opacity:.7;cursor:wait}
.btn-sm{padding:10px 18px;font-size:15px}
.top{background:var(--navy);color:var(--white);position:sticky;top:0;z-index:10}
.top .wrap{display:flex;align-items:center;justify-content:space-between;height:64px;gap:16px}
.logo{font-family:"Barlow Condensed";font-size:24px;font-weight:700;letter-spacing:.5px;text-decoration:none;white-space:nowrap}
.logo span{color:var(--sun)}
.top nav{display:flex;gap:20px;font-size:15px}
.top nav a{text-decoration:none;opacity:.9}
.top nav a:hover,.top nav a[aria-current]{opacity:1;color:var(--sun)}
.crumbs{font-size:13px;color:rgba(255,255,255,.7);margin-bottom:14px}
.crumbs a{color:#fff}
.crumbs a{text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.page-hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 60%,#2b5571 100%);color:var(--white);padding:48px 0 56px}
.page-hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.page-hero h1{font-size:clamp(38px,5.5vw,58px);margin-bottom:14px}
.page-hero .lead{font-size:18px;opacity:.9;max-width:540px}
.card{background:var(--white);color:var(--ink);border-radius:14px;padding:26px;box-shadow:0 20px 50px rgba(0,0,0,.25);position:relative}
.card h2{font-size:30px;margin-bottom:4px;color:var(--navy)}
.card p{color:var(--muted);font-size:14px;margin-bottom:16px}
.card label{display:block;font-size:13px;font-weight:600;margin:10px 0 4px}
.card input,.card select{width:100%;padding:12px;border:1px solid #cdd5db;border-radius:8px;font:inherit}
.card .row{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.card .btn{width:100%;margin-top:16px}
.card .fine{font-size:12px;margin:10px 0 0}
.content{padding:56px 0}
.content .wrap{max-width:780px}
.content h2{font-size:34px;color:var(--navy);margin:36px 0 10px}
.content h2:first-child{margin-top:0}
.content p{margin-bottom:14px;color:#33404a}
.content ul{margin:0 0 14px 22px;color:#33404a}
.content li{margin-bottom:6px}
.content a{color:var(--navy);font-weight:600}
.content .tablewrap{overflow-x:auto;margin:8px 0 6px}
.content table{width:100%;border-collapse:collapse;font-size:15px;min-width:420px}
.content th,.content td{padding:10px 12px;border-bottom:1px solid var(--sand-2);text-align:left;vertical-align:top}
.content thead th{background:var(--navy);color:var(--white);font-weight:600}
.content .note{font-size:14px;color:var(--muted)}
.content .sources{font-size:14px;color:var(--muted)}
.content .sources a{font-weight:500}
.faq{background:var(--sand);padding:56px 0}
.faq .wrap{max-width:780px}
.faq h2{font-size:38px;color:var(--navy);margin-bottom:12px}
details{border-bottom:1px solid var(--sand-2);padding:16px 0}
summary{font-weight:600;cursor:pointer;font-size:17px}
details p{color:var(--muted);margin-top:8px}
.related{padding:56px 0}
.related h2{font-size:34px;color:var(--navy);margin-bottom:18px}
.related .grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:18px}
.related a.tile{display:block;border:1px solid var(--sand-2);border-radius:var(--radius);padding:20px;text-decoration:none;background:var(--white)}
.related a.tile:hover{border-color:var(--sun)}
.related .tile h3{font-size:24px;color:var(--navy);margin-bottom:4px}
.related .tile p{font-size:14px;color:var(--muted)}
.cta{background:var(--navy);color:var(--white);text-align:center;padding:64px 0}
.cta h2{font-size:clamp(30px,4vw,44px);margin-bottom:10px}
.cta p{opacity:.85;margin-bottom:22px}
footer{background:#0a1d2a;color:#9fb0bd;font-size:13px;padding:28px 0}
footer p+p{margin-top:8px}
footer a{color:#9fb0bd}
.mobile-cta{display:none}
@media (max-width:900px){.top nav{display:none}}
@media (max-width:860px){
  .page-hero .wrap,.related .grid{grid-template-columns:1fr}
  .mobile-cta{display:block;position:fixed;bottom:0;left:0;right:0;background:var(--sun);color:var(--navy);text-align:center;font-weight:700;padding:14px;text-decoration:none;z-index:20}
  body{padding-bottom:52px}
  .grecaptcha-badge{bottom:66px !important}
}
@media (max-width:520px){.card .row{grid-template-columns:1fr}}