:root{--navy:#0B3C6F;--navy-deep:#072A4E;--gold:#C8A64A;--gold-ink:#8A6D1F;--gold-soft:#F4ECD6;--ink:#13233A;--muted:#55657A;--line:#DCE3EC;--paper:#F3F6FA;--white:#fff;--on-navy:#C9D6E6;--fd:"Source Serif 4",Georgia,serif;--fb:"IBM Plex Sans","Segoe UI",Arial,sans-serif}
*{box-sizing:border-box}html,body{margin:0}body{font-family:var(--fb);color:var(--ink);background:var(--white);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:var(--navy)}.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.topbar{background:var(--navy-deep);color:var(--on-navy);font-size:13px}.topbar .wrap{display:flex;gap:18px;flex-wrap:wrap;padding-block:8px}.topbar a{color:var(--on-navy);text-decoration:none}
header.site{position:sticky;top:0;z-index:50;background:var(--white);border-bottom:1px solid var(--line)}header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-block:12px}
.logo{display:inline-flex;align-items:center;gap:8px;text-decoration:none;color:var(--navy);font-family:var(--fd);font-size:21px}.logo .mk{width:30px;height:29px}.logo b{font-weight:700}.logo span{color:var(--gold-ink);font-family:var(--fb);font-size:12px;letter-spacing:.18em;font-weight:600}
nav.main{display:flex;gap:20px}nav.main a{text-decoration:none;color:var(--ink);font-size:15px;font-weight:500}nav.main a:hover{color:var(--navy)}
.btn{display:inline-flex;align-items:center;gap:10px;padding:13px 22px;border-radius:999px;font-weight:600;font-size:15px;text-decoration:none;border:1.5px solid transparent}.btn-gold{background:var(--gold);color:var(--navy-deep)}.btn-gold:hover{background:#D7B85F}.btn-line{border-color:var(--navy);color:var(--navy)}.btn-line:hover{background:var(--navy);color:#fff}header.site .btn{padding:9px 14px;font-size:14px}
.crumbs{font-size:13px;color:var(--muted);padding-top:22px}.crumbs a{color:var(--muted)}
.hero{background:linear-gradient(180deg,var(--paper),#fff);padding:34px 0 46px;border-bottom:1px solid var(--line)}
.eyebrow{color:var(--gold-ink);font-weight:600;font-size:13px;letter-spacing:.14em;text-transform:uppercase}
h1,h2,h3{font-family:var(--fd);color:var(--navy-deep);line-height:1.2}h1{font-size:clamp(32px,5vw,48px);margin:10px 0 14px}h2{font-size:clamp(25px,3.4vw,33px);margin:0 0 14px}h3{font-size:20px;margin:0 0 6px}
.lead{font-size:19px;color:var(--muted);max-width:760px}.ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}
.sec{padding:52px 0}.sec-paper{background:var(--paper)}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px}.card p{margin:0;color:var(--muted);font-size:16px}
ul.tick{list-style:none;padding:0;margin:0;display:grid;gap:10px}ul.tick li{padding-left:28px;position:relative}ul.tick li:before{content:"";position:absolute;left:4px;top:9px;width:12px;height:7px;border-left:2.5px solid var(--gold);border-bottom:2.5px solid var(--gold);transform:rotate(-45deg)}
table.dates{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;font-size:16px}table.dates th,table.dates td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top}table.dates th{background:var(--navy);color:#fff;font-weight:600}
.steps{counter-reset:s;display:grid;gap:14px}.steps .card{position:relative;padding-left:62px}.steps .card:before{counter-increment:s;content:counter(s);position:absolute;left:18px;top:18px;width:30px;height:30px;border-radius:50%;background:var(--gold-soft);color:var(--gold-ink);font-weight:700;display:grid;place-items:center}
.note{font-size:14px;color:var(--muted);margin-top:12px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin-bottom:10px}.faq summary{cursor:pointer;font-weight:600;color:var(--navy-deep)}.faq p{margin:10px 0 0;color:var(--muted)}
.cta{background:var(--navy);color:#fff;border-radius:18px;padding:34px;display:grid;gap:10px}.cta h2{color:#fff}.cta p{color:var(--on-navy);margin:0}
.related a{display:block;text-decoration:none}.related a:hover .card{border-color:var(--gold)}.related h3{font-size:18px}
footer{background:var(--navy-deep);color:var(--on-navy);padding:40px 0 26px;font-size:15px}footer .wrap{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:24px}footer a{color:var(--on-navy)}footer .logo{color:#fff}footer h4{color:#fff;margin:0 0 8px;font-family:var(--fb)}footer ul{list-style:none;padding:0;margin:0;display:grid;gap:6px}.legal{grid-column:1/-1;border-top:1px solid rgba(255,255,255,.15);padding-top:14px;font-size:13px}
@media(max-width:820px){nav.main{display:none}.cta{padding:24px}.steps .card{padding-left:56px}}