:root{--ink:#15212c;--muted:#5b6770;--line:#d9e0e5;--paper:#fff;--soft:#f3f6f8;--blue:#164f78;--blue2:#0f3755;--gold:#b8843f;--red:#8d2d2d;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);line-height:1.65;background:#fff}
a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}.wrap{width:min(var(--max),calc(100% - 40px));margin:auto}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(8px)}.nav-wrap{min-height:72px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;gap:10px;align-items:center;color:var(--ink);text-decoration:none}.brand:hover{text-decoration:none}.brand span{display:grid;place-items:center;width:38px;height:38px;border-radius:9px;background:var(--blue2);color:#fff;font-weight:900}.brand strong{font-size:1.02rem}.main-nav{display:flex;gap:5px;align-items:center}.main-nav a{padding:10px 11px;border-radius:8px;color:var(--ink);font-weight:700;font-size:.92rem}.main-nav a.active,.main-nav a:hover{background:var(--soft);text-decoration:none}.nav-toggle{display:none;border:1px solid var(--line);background:white;padding:8px 11px;border-radius:8px;font-weight:800}
.disclaimer-bar{background:#fff7e8;border-bottom:1px solid #ead3ac;color:#5e4929;font-size:.88rem;padding:9px 0}
.hero{background:linear-gradient(135deg,#edf4f8,#f8fafb 65%,#fff8ec);border-bottom:1px solid var(--line);padding:82px 0 68px}.hero-grid{display:grid;grid-template-columns:minmax(0,1.55fr) minmax(285px,.7fr);gap:52px;align-items:center}.eyebrow{display:inline-block;color:var(--blue);font-size:.76rem;font-weight:900;letter-spacing:.11em;text-transform:uppercase;margin-bottom:10px}h1,h2,h3{line-height:1.14;letter-spacing:-.025em}h1{font-size:clamp(2.45rem,5.8vw,4.8rem);margin:.1em 0 .3em}h2{font-size:clamp(1.8rem,4vw,2.9rem);margin:0 0 14px}h3{font-size:1.14rem;margin:.2em 0 .5em}.hero-lead,.section-lead{font-size:1.12rem;color:var(--muted);max-width:820px}.hero-lead{font-size:1.2rem;max-width:760px}.hero-card{padding:25px;border:1px solid rgba(21,33,44,.12);border-radius:16px;background:rgba(255,255,255,.9);box-shadow:0 18px 40px rgba(22,79,120,.08)}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.btn{display:inline-flex;padding:12px 17px;border-radius:9px;background:var(--blue);color:#fff;font-weight:800;text-decoration:none}.btn:hover{text-decoration:none;filter:brightness(.96)}.btn-light{background:#fff;color:var(--ink);border:1px solid var(--line)}
.section{padding:72px 0}.section.muted{background:var(--soft)}.card-grid{display:grid;gap:18px;margin-top:28px}.cols-3{grid-template-columns:repeat(3,1fr)}.cols-2{grid-template-columns:repeat(2,1fr)}.card{border:1px solid var(--line);border-radius:14px;padding:23px;background:#fff}.card p{margin-top:0;color:var(--muted)}.text-link{font-weight:800}.check-list{list-style:none;padding:0}.check-list li{position:relative;padding:9px 0 9px 28px;border-bottom:1px solid var(--line)}.check-list li:before{content:"✓";position:absolute;left:0;color:var(--blue);font-weight:900}.official-links{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:24px}.official-links a{border:1px solid var(--line);border-radius:10px;padding:14px 16px;background:#fff;font-weight:800}
.site-footer{background:var(--blue2);color:#dce8ef;padding:54px 0 20px}.footer-grid{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:28px}.site-footer h3{color:#fff}.site-footer a{display:block;color:#dce8ef;margin:7px 0}.footer-brand span{background:#fff;color:var(--blue2)}.footer-brand strong{color:#fff}.footer-bottom{border-top:1px solid rgba(255,255,255,.15);margin-top:30px;padding-top:18px;display:flex;justify-content:space-between;gap:20px;color:#aac0cd;font-size:.86rem}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr}.cols-3{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:720px){.wrap{width:min(var(--max),calc(100% - 28px))}.nav-toggle{display:block}.main-nav{display:none;position:absolute;left:0;right:0;top:72px;background:#fff;border-bottom:1px solid var(--line);padding:12px;flex-direction:column;align-items:stretch}.main-nav.open{display:flex}.hero{padding:58px 0 46px}.section{padding:54px 0}.cols-2,.cols-3,.official-links,.footer-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column}h1{font-size:clamp(2.25rem,12vw,3.7rem)}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

.subhead{font-size:1.45rem;margin-top:38px}
.section-lead.small{font-size:1rem}
.resource-disclosure{margin-top:24px;padding:16px 18px;border-left:4px solid var(--gold);background:#fff;color:var(--muted)}