:root{--navy:#0B1F33;--navy2:#13304d;--gold:#D4A72C;--gold-d:#7A5C00;--ink:#14212e;--mut:#4a5968;--bg:#ffffff;--alt:#f4f6f9;--line:#d5dce5;--r:10px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.65 -apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;overflow-wrap:break-word}
h1,h2,h3,h4{font-family:Georgia,"Times New Roman",serif;color:var(--navy);line-height:1.2;margin:0 0 .6em}
h1{font-size:clamp(1.75rem,6vw,2.6rem)}
h2{font-size:clamp(1.4rem,4.5vw,1.9rem);margin-top:0}
h3{font-size:1.2rem}h4{font-size:1.05rem}
p{margin:0 0 1em}
a{color:#0a4f9c;text-underline-offset:2px}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.wrap{width:100%;max-width:1080px;margin:0 auto;padding:0 16px}
.narrow{max-width:760px}
.center{text-align:center}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:var(--navy);padding:10px 14px;z-index:20}
.skip:focus{left:8px;top:8px}
.top{background:var(--navy);position:sticky;top:0;z-index:10}
.bar{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:4px 16px;padding-top:8px;padding-bottom:8px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:700;font-family:Georgia,serif;font-size:1.1rem}
.main{display:flex;flex-wrap:wrap;gap:2px 2px}
.main a{color:#e6edf5;text-decoration:none;padding:10px 10px;border-radius:6px;font-size:.93rem}
.main a:hover,.main a[aria-current]{background:var(--navy2);color:#fff}
.main a[aria-current]{box-shadow:inset 0 -2px 0 var(--gold)}
.crumbs{max-width:1080px;margin:0 auto;padding:12px 16px 0;font-size:.9rem}
.crumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:4px}
.crumbs li+li::before{content:"/";margin-right:6px;color:var(--mut)}
.hero{background:linear-gradient(160deg,var(--navy) 0%,#0e2a45 100%);color:#fff;padding:32px 0 40px}
.hero h1{color:#fff}
.hero-in{display:grid;gap:26px}
.kicker{color:var(--gold);font-weight:700;letter-spacing:.04em;font-size:.82rem;text-transform:uppercase;margin-bottom:.6em}
.lead{font-size:1.1rem}
.hero .lead{color:#e3ebf3}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin:22px 0 14px}
.cta-row.center{justify-content:center}
.btn{display:inline-block;background:var(--gold);color:var(--navy);font-weight:700;text-decoration:none;padding:14px 22px;border-radius:8px;min-height:48px;line-height:1.3;text-align:center;border:2px solid var(--gold)}
.btn:hover{background:#e4b93f;color:var(--navy)}
.hero .btn.ghost,.final .btn.ghost{background:transparent;color:#fff;border-color:#8fa4ba}
.hero .btn.ghost:hover,.final .btn.ghost:hover{background:var(--navy2);color:#fff}
.sec .btn.ghost{background:transparent;color:var(--navy);border-color:var(--navy)}
.final .btn.ghost{color:#fff}
.micro{font-size:.88rem;color:#c3d1df;margin:0}
.sec .micro{color:var(--mut)}
.final .micro{color:#c3d1df}
.card-offer{background:#fff;color:var(--ink);border-radius:var(--r);padding:22px;border-top:5px solid var(--gold);align-self:start}
.card-offer .tag{font-weight:700;color:var(--navy);margin-bottom:.4em}
.price{font-family:Georgia,serif;font-size:2rem;color:var(--navy);font-weight:700;margin:.4em 0 .2em;line-height:1.1}
.price span{display:block;font-family:-apple-system,"Segoe UI",Arial,sans-serif;font-size:.85rem;font-weight:400;color:var(--mut);margin-top:4px}
.small{font-size:.9rem;color:var(--mut)}
.sec{padding:40px 0}
.sec.alt{background:var(--alt)}
.sec.final{background:var(--navy);color:#fff;text-align:center}
.sec.final h2{color:#fff}
.sec.final a:not(.btn){color:#f0d98a}
.notice{border:1px solid var(--line);border-left:5px solid var(--gold);background:#fffaf0;padding:16px 18px;border-radius:6px;font-size:.98rem}
.plain,.ticks,.crosses{padding:0;margin:0 0 1em;list-style:none}
.plain li{padding:9px 0 9px 22px;position:relative;border-bottom:1px solid var(--line)}
.plain li::before{content:"";position:absolute;left:2px;top:1.2em;width:8px;height:8px;background:var(--gold);border-radius:2px}
.ticks li,.crosses li{padding:7px 0 7px 30px;position:relative}
.ticks li::before{content:"";position:absolute;left:3px;top:.85em;width:14px;height:7px;border-left:3px solid var(--gold-d);border-bottom:3px solid var(--gold-d);transform:rotate(-45deg)}
.crosses li::before{content:"";position:absolute;left:2px;top:1.15em;width:14px;height:3px;background:#8a3b2e;border-radius:2px}
.grid3,.grid2{display:grid;gap:16px;margin:18px 0}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px}
.card p{margin:0}
.mt{margin-top:1.6em}
.toc{columns:1;padding-left:1.4em;margin:0}
.toc li{padding:3px 0}
.two{display:grid;gap:28px}
.steps{padding-left:1.3em}.steps li{margin-bottom:.8em}
.tbl{width:100%;border-collapse:collapse;margin:0 0 1em;font-size:.95rem;background:#fff}
.tbl caption{text-align:left;font-weight:700;color:var(--navy);padding:0 0 8px}
.tbl th,.tbl td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
.tbl thead th{background:var(--navy);color:#fff}
.tbl tfoot th,.tbl tfoot td{background:#eef2f7;color:var(--navy);font-weight:700}
.tbl tbody th{background:#f3f6fa;color:var(--navy)}
.tbl .num{text-align:right;white-space:nowrap}
details{border:1px solid var(--line);border-radius:8px;margin:0 0 10px;background:#fff}
summary{cursor:pointer;padding:14px 44px 14px 16px;font-weight:700;color:var(--navy);list-style:none;position:relative;min-height:48px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:16px;top:9px;font-size:1.4rem;color:var(--gold-d)}
details[open] summary::after{content:"\2212"}
.ans{padding:0 16px 6px}
.prose h1{margin-bottom:.5em}.prose h2{margin-top:1.8em;font-size:1.4rem}
.prose ul{padding-left:1.2em}.prose li{margin-bottom:.4em}
.foot{background:var(--navy);color:#d7e2ee;padding:30px 0 40px;font-size:.92rem}
.foot a{color:#f0d98a}
.foot .small{color:#c3d1df}
.foot .disc{max-width:820px}
.fnav{display:flex;flex-wrap:wrap;gap:2px 18px;margin:14px 0}
.fnav a{padding:10px 0;display:inline-block}
@media(min-width:760px){
body{font-size:18px}
.hero{padding:56px 0 64px}
.hero-in{grid-template-columns:1.5fr 1fr;align-items:start;gap:44px}
.grid3{grid-template-columns:repeat(3,1fr)}.grid2{grid-template-columns:repeat(2,1fr)}
.two{grid-template-columns:1fr 1fr}.toc{columns:2;column-gap:32px}
.sec{padding:60px 0}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}