:root{
  --navy:#0b2740;
  --navy-2:#12405f;
  --ink:#1b2733;
  --muted:#5a6a78;
  --line:#e2e8ee;
  --sand:#f6f4ef;
  --accent:#0f5c8c;
  --accent-dark:#0b4468;
  --gold:#c8952c;
  --radius:10px;
  --maxw:1120px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{
  margin:0;
  font-family:"Plus Jakarta Sans",ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  color:var(--ink);
  background:#fff;
  line-height:1.65;
  font-size:17px;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--accent);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:8px;top:8px;background:#fff;padding:10px 14px;z-index:99;border-radius:6px}

/* header */
.site-header{background:var(--navy);color:#fff}
.site-header a{color:#fff}
.hdr{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px}
.brand{font-weight:800;letter-spacing:.2px;font-size:1.05rem}
.brand small{display:block;font-weight:500;font-size:.7rem;opacity:.8;letter-spacing:.06em;text-transform:uppercase}
.site-nav ul{display:flex;flex-wrap:wrap;gap:6px 18px;list-style:none;margin:0;padding:0;font-size:.92rem}
.btn{display:inline-block;background:var(--gold);color:#12212e !important;font-weight:700;padding:11px 20px;border-radius:999px;text-decoration:none !important;min-height:44px;line-height:22px}
.btn.alt{background:var(--accent);color:#fff !important}
.btn:hover{filter:brightness(1.06)}

/* breadcrumbs */
.crumbs{background:var(--sand);border-bottom:1px solid var(--line);font-size:.85rem}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:8px;margin:0;padding:10px 0}
.crumbs li+li:before{content:"/";margin-right:8px;color:var(--muted)}
.crumbs span[aria-current]{color:var(--muted)}

/* hero */
.page-hero{background:linear-gradient(180deg,#0b2740 0%,#12405f 100%);color:#fff;padding:44px 0 40px}
.page-hero h1{font-size:clamp(1.7rem,4.4vw,2.6rem);line-height:1.18;margin:0 0 12px;font-weight:800}
.page-hero p{margin:0;max-width:70ch;color:#e6eef5;font-size:1.05rem}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.72rem;color:#ffd489;font-weight:700;margin:0 0 10px}

/* layout */
.main{padding:34px 0 10px}
.cols{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:40px;align-items:start}
article h2{font-size:clamp(1.3rem,2.6vw,1.7rem);line-height:1.25;margin:34px 0 10px;font-weight:800;color:var(--navy)}
article h3{font-size:1.1rem;margin:22px 0 8px;font-weight:700;color:var(--navy)}
article p{margin:0 0 14px}
article ul,article ol{margin:0 0 16px;padding-left:22px}
article li{margin:0 0 7px}
article strong{font-weight:700}
.lede{font-size:1.08rem;color:#31404e}
table{width:100%;border-collapse:collapse;margin:6px 0 20px;font-size:.95rem}
th,td{border:1px solid var(--line);padding:9px 11px;text-align:left;vertical-align:top}
th{background:var(--sand);font-weight:700}
.callout{background:var(--sand);border-left:4px solid var(--accent);padding:14px 16px;border-radius:0 var(--radius) var(--radius) 0;margin:0 0 20px}
.faq details{border:1px solid var(--line);border-radius:var(--radius);padding:12px 14px;margin:0 0 10px}
.faq summary{font-weight:700;cursor:pointer;color:var(--navy)}
.faq details p{margin:10px 0 0}
.cta-box{background:var(--navy);color:#fff;border-radius:var(--radius);padding:22px;margin:28px 0}
.cta-box h2{color:#fff;margin-top:0}
.cta-box a.btn{margin-top:6px}

/* sidebar */
.side{border:1px solid var(--line);border-radius:var(--radius);padding:16px 18px;margin:0 0 18px;background:#fff}
.side h2,.side h3{font-size:1rem;margin:0 0 10px;color:var(--navy);font-weight:800;text-transform:uppercase;letter-spacing:.06em}
.side ul{list-style:none;margin:0;padding:0;font-size:.95rem}
.side li{margin:0 0 8px;padding-left:14px;position:relative}
.side li:before{content:"›";position:absolute;left:0;color:var(--gold);font-weight:700}

/* related grid */
.related{border-top:1px solid var(--line);margin-top:36px;padding-top:26px}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:16px;list-style:none;padding:0;margin:0}
.card{border:1px solid var(--line);border-radius:var(--radius);padding:16px}
.card a{font-weight:700}
.card p{margin:6px 0 0;font-size:.92rem;color:var(--muted)}

/* footer */
.site-footer{background:var(--navy);color:#cfdbe6;margin-top:48px;padding:34px 0 26px;font-size:.92rem}
.site-footer a{color:#fff}
.fcols{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:24px}
.site-footer h2{font-size:.8rem;text-transform:uppercase;letter-spacing:.1em;color:#ffd489;margin:0 0 10px}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin:0 0 7px}
.legal{border-top:1px solid rgba(255,255,255,.15);margin-top:24px;padding-top:16px;font-size:.82rem;color:#a9bccd}

@media (max-width:900px){
  .cols{grid-template-columns:1fr;gap:28px}
  .page-hero{padding:32px 0 28px}
  .hdr{flex-wrap:wrap;padding:10px 0}
  .site-nav ul{font-size:.88rem}
}