:root{--navy:#0B1F3A;--blue:#1E73E8;--gold:#D4A017;--ink:#172033;--muted:#5b6575;--paper:#f6f8fb;--line:#e2e7ef;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--paper);line-height:1.65}a{color:#145fb8}.wrap{width:min(1100px,calc(100% - 36px));margin:auto}.top{background:var(--navy);color:#fff}.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:15px 0}.brand{font-weight:900;color:#fff;text-decoration:none}.nav{display:flex;gap:18px;flex-wrap:wrap}.nav a{color:#dbe7f5;text-decoration:none;font-size:.92rem}.hero{background:linear-gradient(135deg,#07172d,#0b294f);color:white;padding:68px 0}.hero-grid{display:grid;grid-template-columns:1.12fr .68fr;gap:56px;align-items:center}.eyebrow{font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:#f5cc64;font-weight:900}.hero h1{font-size:clamp(2.5rem,6vw,5rem);line-height:.98;margin:.2em 0}.hero p{font-size:1.15rem;color:#dfe8f4;max-width:760px}.cover{width:min(100%,390px);display:block;margin:auto;border-radius:8px;box-shadow:0 25px 65px #0008}.btn{display:inline-block;text-decoration:none;border-radius:9px;padding:14px 20px;font-weight:900;margin:8px 8px 0 0}.btn-gold{background:var(--gold);color:#111}.btn-outline{border:1px solid #ffffff55;color:#fff}.section{padding:58px 0}.white{background:#fff}.section h2{color:var(--navy);font-size:clamp(1.75rem,4vw,2.7rem);line-height:1.15;margin-top:0}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px;box-shadow:0 6px 20px #0b1f3a0b}.card h3{margin-top:0;color:var(--navy)}.tag{display:inline-block;border:1px solid #d6dfeb;border-radius:999px;padding:6px 10px;margin:4px 5px 4px 0;background:#fff;font-size:.86rem}.guide{background:#fff}.article{width:min(820px,calc(100% - 36px));margin:auto;padding:48px 0 70px}.article h1{color:var(--navy);font-size:clamp(2.15rem,5vw,3.7rem);line-height:1.05}.article h2{color:var(--navy);margin-top:34px}.article .lede{font-size:1.16rem;color:#455269}.crumb{font-size:.9rem;color:#6b7687;margin-bottom:22px}.callout{border-left:5px solid var(--gold);background:#fff9e9;padding:18px 20px;border-radius:8px;margin:28px 0}.cta{background:var(--navy);color:#fff;padding:24px;border-radius:14px;margin-top:36px}.cta a{color:#111}.checklist{padding:0;list-style:none}.checklist li{background:#f9fbfe;border:1px solid var(--line);padding:13px 15px;border-radius:9px;margin:9px 0}.checklist li:before{content:"✓";color:#916c00;font-weight:900;margin-right:10px}.footer{background:#071426;color:#b7c4d4;padding:28px 0;font-size:.9rem}.footer a{color:#fff}.notice{font-size:.9rem;color:#667085;border-top:1px solid var(--line);padding-top:20px;margin-top:38px}.searchbox{background:#eef4fb;border:1px solid #dce6f2;border-radius:14px;padding:22px;margin-top:25px}.prices{font-size:.93rem;color:#dce6f4}.skip{position:absolute;left:-9999px}.skip:focus{left:10px;top:10px;background:#fff;color:#111;padding:8px;z-index:99}@media(max-width:820px){.hero-grid,.grid{grid-template-columns:1fr}.cover{width:min(75%,330px)}.top .wrap{align-items:flex-start}.nav{gap:10px}.nav a{font-size:.82rem}}