:root{--navy:#13283d;--blue:#1d5f91;--orange:#f2a33a;--ink:#202b36;--muted:#596a79;--bg:#f5f7f9;--line:#dce3e8;--white:#fff;--max:1160px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);line-height:1.65;background:#fff}a{color:var(--blue);text-underline-offset:3px}a:hover{color:#0e3e63}img{max-width:100%;height:auto}.skip-link{position:absolute;left:-9999px;top:0;background:#fff;padding:.7rem;z-index:100}.skip-link:focus{left:1rem;top:1rem}.site-header{background:var(--navy);color:#fff;position:relative;z-index:10}.header-inner{max-width:var(--max);margin:auto;padding:1rem 1.25rem;display:flex;align-items:center;justify-content:space-between;gap:1.2rem}.brand{display:flex;gap:.7rem;align-items:center;color:#fff;text-decoration:none;font-weight:800;line-height:1.2}.brand:hover{color:#fff}.brand-mark{display:grid;place-items:center;width:44px;height:44px;border-radius:12px;background:var(--orange);color:var(--navy);font-size:1.5rem}.brand small{display:block;font-size:.72rem;font-weight:500;color:#d6e1ea;margin-top:.2rem}.primary-nav{display:flex;gap:1rem;align-items:center;flex-wrap:wrap}.primary-nav a{color:#fff;text-decoration:none;font-size:.92rem}.primary-nav a:hover{text-decoration:underline}.menu-toggle{display:none;border:1px solid #90a6b9;background:transparent;color:#fff;border-radius:8px;padding:.55rem .8rem;font:inherit}.hero{background:linear-gradient(125deg,#13283d,#1d5f91);color:#fff;padding:4.5rem 1.25rem}.hero-inner{max-width:var(--max);margin:auto;display:grid;grid-template-columns:1.4fr .8fr;gap:2rem;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:800;color:#f6c779}.hero h1{font-size:clamp(2.2rem,5vw,3.8rem);line-height:1.1;margin:.5rem 0 1rem;max-width:780px}.hero p{font-size:1.12rem;max-width:720px;color:#e4edf4}.hero-card{background:#fff;color:var(--ink);border-radius:18px;padding:1.5rem;box-shadow:0 18px 50px #07142133}.hero-card h2{margin-top:0;color:var(--navy)}.button-row{display:flex;gap:.75rem;flex-wrap:wrap;margin-top:1.5rem}.button{display:inline-flex;align-items:center;justify-content:center;border-radius:9px;padding:.8rem 1.1rem;background:var(--orange);color:#13283d;font-weight:800;text-decoration:none;border:2px solid var(--orange)}.button:hover{background:#ffc15d;color:#13283d}.button.secondary{background:transparent;color:#fff;border-color:#c9d8e5}.button.dark{background:var(--navy);color:#fff;border-color:var(--navy)}.container{max-width:var(--max);margin:auto;padding:3rem 1.25rem}.container.narrow{max-width:850px}.section-heading{max-width:780px;margin-bottom:1.5rem}.section-heading h2{font-size:clamp(1.65rem,3vw,2.3rem);line-height:1.2;margin:.25rem 0 .7rem;color:var(--navy)}.section-heading p,.muted{color:var(--muted)}.eyebrow.dark{color:var(--blue)}.card-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.1rem}.card{border:1px solid var(--line);border-radius:14px;padding:1.25rem;background:#fff;box-shadow:0 5px 20px #13283d08}.card h3{margin:.15rem 0 .5rem;font-size:1.12rem;line-height:1.35}.card h3 a{text-decoration:none;color:var(--navy)}.card p{margin:.4rem 0;color:var(--muted)}.card .text-link{font-weight:750;display:inline-block;margin-top:.5rem}.feature-strip{background:var(--bg);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}.feature-grid h3{color:var(--navy);margin-bottom:.25rem}.content-section{margin:2rem 0}.content-section h2{color:var(--navy);font-size:1.55rem;line-height:1.25}.content-section h3{color:var(--navy);font-size:1.12rem}.content-section li{margin:.45rem 0}.breadcrumbs{font-size:.9rem;color:var(--muted);margin-bottom:1.25rem}.breadcrumbs a{color:var(--blue)}.page-title{background:var(--bg);border-bottom:1px solid var(--line);padding:2.5rem 1.25rem}.page-title-inner{max-width:var(--max);margin:auto}.page-title h1{font-size:clamp(2rem,4vw,3rem);line-height:1.15;color:var(--navy);margin:.4rem 0}.page-title p{max-width:800px;color:var(--muted);font-size:1.05rem}.notice{padding:1rem 1.2rem;border-left:4px solid var(--orange);background:#fff7e9;border-radius:0 8px 8px 0}.cta-panel{background:var(--navy);color:#fff;border-radius:16px;padding:2rem;display:flex;align-items:center;justify-content:space-between;gap:1.5rem}.cta-panel h2{margin:.1rem 0;color:#fff}.cta-panel p{color:#dbe5ee;margin:.35rem 0}.cta-panel .button{white-space:nowrap}.site-footer{background:#0d1d2c;color:#dbe5ee;padding:2.5rem 1.25rem 1rem}.footer-grid{max-width:var(--max);margin:auto;display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:2rem}.footer-grid h2{font-size:1rem;color:#fff}.footer-grid ul{list-style:none;margin:0;padding:0}.footer-grid li{margin:.35rem 0}.footer-grid a{color:#dbe5ee}.footer-brand{font-size:1.15rem;font-weight:800;color:#fff!important}.footer-bottom{max-width:var(--max);margin:1.5rem auto 0;padding-top:1rem;border-top:1px solid #344757;display:flex;justify-content:space-between;gap:1rem;font-size:.85rem;color:#b8c6d1}.footer-bottom p{margin:.4rem 0}.faq-item{padding:1rem 0;border-bottom:1px solid var(--line)}.faq-item h3{margin:0 0 .35rem;color:var(--navy)}.form-note{background:var(--bg);padding:1.25rem;border:1px solid var(--line);border-radius:12px}.table-wrap{overflow-x:auto}table{border-collapse:collapse;width:100%;min-width:560px}th,td{text-align:left;padding:.85rem;border-bottom:1px solid var(--line);vertical-align:top}th{background:var(--bg);color:var(--navy)}.pill{display:inline-block;background:#e8f2f8;color:#174a6d;border-radius:99px;padding:.2rem .65rem;font-size:.8rem;font-weight:750}.article-list{display:grid;gap:1rem}.article-list article{padding:1.25rem;border:1px solid var(--line);border-radius:12px}.article-list h2{font-size:1.25rem;margin:.2rem 0}.small{font-size:.9rem}.text-center{text-align:center}.mt-0{margin-top:0}.mb-0{margin-bottom:0}
@media(max-width:900px){.header-inner{flex-wrap:wrap}.menu-toggle{display:block}.primary-nav{display:none;width:100%;flex-direction:column;align-items:flex-start;padding:.5rem 0}.primary-nav.open{display:flex}.hero-inner{grid-template-columns:1fr}.card-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}}
@media(max-width:600px){.hero{padding:3rem 1rem}.container{padding:2.2rem 1rem}.card-grid,.feature-grid,.footer-grid{grid-template-columns:1fr}.footer-grid>div:first-child{grid-column:auto}.cta-panel{align-items:flex-start;flex-direction:column;padding:1.4rem}.footer-bottom{display:block}.brand small{max-width:220px}.page-title{padding:2rem 1rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}

/* Quality and accessibility refinements */
:focus-visible{outline:3px solid #f2a33a;outline-offset:3px}.faq-list{margin:1rem 0}.sitemap-list{columns:2;column-gap:2rem}.sitemap-list li{break-inside:avoid;margin:.4rem 0}.content-section p{max-width:78ch}.content-section ul{padding-left:1.3rem}.hero-card ul{padding-left:1.25rem}.hero-card li{margin:.4rem 0}.notice a{font-weight:700}@media(max-width:600px){.sitemap-list{columns:1}}


/* Readability and interaction polish */
html { font-size: 16px; }
body { font-size: 1rem; line-height: 1.72; letter-spacing: .005em; -webkit-text-size-adjust: 100%; }
p, li, td, th { overflow-wrap: anywhere; }
p { max-width: 78ch; }
h1, h2, h3, h4 { letter-spacing: -.018em; text-wrap: balance; }
.content-section h2 { margin-top: 1.6rem; margin-bottom: .65rem; }
.content-section h3 { margin-top: 1.2rem; }
.primary-nav a, .site-footer a { min-height: 2rem; }
.menu-toggle { cursor: pointer; min-height: 44px; min-width: 76px; font-weight: 700; }
.brand { min-width: 0; }
.brand > span:last-child { overflow-wrap: anywhere; }
.form-note a { overflow-wrap: anywhere; }
@media (max-width: 900px) {
  .header-inner { align-items: center; }
  .primary-nav { gap: .25rem; }
  .primary-nav a { display: block; width: 100%; padding: .55rem .2rem; }
  .primary-nav.open { display: flex; }
}
@media (max-width: 600px) {
  body { font-size: 1rem; line-height: 1.7; }
  .hero h1 { font-size: clamp(2rem, 9vw, 2.8rem); }
  .hero p { font-size: 1.02rem; }
  .page-title h1 { font-size: clamp(1.8rem, 8vw, 2.45rem); }
  .card { padding: 1rem; }
  .button { min-height: 44px; }
  .header-inner { padding: .8rem 1rem; }
  .brand-mark { flex: 0 0 42px; width: 42px; height: 42px; }
  .brand small { font-size: .75rem; }
}