:root{
  --acc:#F6B024; --acc-d:#DE9910;
  --blue:#05579E; --blue2:#0665B7;
  --ink:#032E54; --ink2:#054A85; --slate:#3E5F7F; --mute:#7089A3;
  --line:#DCE8F3; --bg:#FFFFFF; --bg2:#F1F8FF; --bg3:#ECF6FE;
  --max:1180px;
  --f:"Raleway","Segoe UI",system-ui,-apple-system,Helvetica,Arial,sans-serif;
  --fh:"Montserrat","Raleway","Segoe UI",system-ui,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--f);color:#12283D;background:var(--bg);font-size:16px;line-height:1.62;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:var(--fh);line-height:1.2;margin:0 0 .5em;letter-spacing:-.02em;color:var(--ink)}
h1{font-size:clamp(1.6rem,3.1vw,2.3rem);font-weight:800}
h2{font-size:clamp(1.35rem,2.5vw,1.9rem);font-weight:700}
h3{font-size:1.1rem;font-weight:700}
p{margin:0 0 1em}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}







header.site{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:60}
.topbar{background:var(--bg3);font-size:.78rem;color:var(--slate)}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;padding-top:6px;padding-bottom:6px;flex-wrap:wrap}
.nav{display:flex;align-items:center;gap:20px;padding:11px 0}
.logo{display:flex;align-items:center;gap:11px;white-space:nowrap;font-family:var(--fh);font-weight:800;font-size:2.4rem;color:var(--ink);letter-spacing:-.03em;cursor:pointer}
.logo .mark{width:32px;height:32px;border-radius:7px;background:linear-gradient(135deg,var(--acc),#F1A40A);display:grid;place-items:center;color:var(--ink);font-size:.74rem;font-weight:800;font-family:var(--fh)}
.logo small{display:block;font-size:.62rem;font-weight:600;letter-spacing:.13em;color:var(--mute);text-transform:uppercase}
nav.main{display:flex;gap:17px;margin-left:auto;flex-wrap:wrap}
nav.main a{color:var(--ink2);font-weight:600;font-size:.87rem;cursor:pointer}
.btn{display:inline-block;background:var(--acc);color:var(--ink)!important;padding:11px 20px;border-radius:7px;font-family:var(--fh);font-weight:700;font-size:.9rem;text-decoration:none!important;border:0;cursor:pointer}
.btn:hover{background:var(--acc-d)}
.btn.ghost{background:transparent;color:var(--ink)!important;border:1.5px solid var(--line)}
.btn.ghost:hover{border-color:var(--acc);background:#FFF9EC}
.btn.sm{padding:8px 14px;font-size:.82rem}
#burger{display:none;margin-left:auto;background:none;border:1.5px solid var(--line);border-radius:7px;padding:10px 15px;font-size:1.4rem;cursor:pointer;color:var(--ink)}
#mnav{display:none;background:#fff;border-bottom:1px solid var(--line);padding:6px 0 14px}
#mnav a{display:block;padding:10px 22px;font-weight:600;color:var(--ink2);font-size:.95rem;border-top:1px solid var(--bg3);cursor:pointer}
#mnav.open{display:block}

.hero{background:linear-gradient(165deg,#032E54 0%,#054A85 55%,#05579E 100%);color:#fff;padding:56px 0 50px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-140px;top:-90px;width:560px;height:560px;border-radius:50%;background:radial-gradient(circle,rgba(246,176,36,.30),transparent 68%)}
.hero .wrap{position:relative;z-index:2}
.hero h1{color:#fff;max-width:18ch}
.hero .lede{font-size:1.06rem;color:#CFE4F7;max-width:64ch}
.hero.slim{padding:40px 0 36px}
.hero.slim h1{max-width:none;font-size:clamp(1.5rem,2.9vw,2.15rem)}
.eyebrow{display:inline-block;font-family:var(--fh);font-size:.7rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--acc);margin-bottom:12px}
.hero .cta{display:flex;gap:12px;margin-top:22px;flex-wrap:wrap}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(255,255,255,.13);margin-top:38px;border-radius:9px;overflow:hidden}
.stats div{background:rgba(255,255,255,.05);padding:14px 16px}
.stats b{display:block;font-family:var(--fh);font-size:1.4rem;font-weight:800;color:#fff}
.stats span{font-size:.77rem;color:#A9CDEB}

section{padding:48px 0}
section.alt{background:var(--bg2);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.shead{max-width:72ch;margin-bottom:26px}
.shead p{color:var(--slate)}
.kicker{font-family:var(--fh);font-size:.7rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--blue);margin-bottom:8px}

.grid{display:grid;gap:16px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:11px;padding:20px;transition:.15s}
.card:hover{border-color:#B9D3EA;box-shadow:0 6px 22px rgba(3,46,84,.08);transform:translateY(-2px)}
.card h3{margin-bottom:6px}
.card p{color:var(--slate);font-size:.9rem;margin-bottom:10px}
.card .more{font-size:.83rem;font-weight:700;cursor:pointer}
.ico{width:52px;height:52px;border-radius:12px;background:linear-gradient(150deg,var(--bg3),#fff);border:1px solid var(--line);display:grid;place-items:center;margin-bottom:12px}
.ico svg{width:34px;height:34px}

table{width:100%;border-collapse:collapse;font-size:.88rem;background:#fff}
caption{text-align:left;font-size:.82rem;color:var(--mute);padding-bottom:8px}
th,td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
thead th{background:var(--bg3);font-family:var(--fh);font-size:.73rem;text-transform:uppercase;letter-spacing:.05em;color:var(--ink2);border-bottom:2px solid var(--line)}
tbody tr:hover{background:var(--bg2)}
.tw{overflow-x:auto;border:1px solid var(--line);border-radius:11px;margin-bottom:20px}

.pill{display:inline-block;font-size:.68rem;font-weight:700;padding:3px 9px;border-radius:99px;background:var(--bg3);color:var(--ink2);letter-spacing:.03em}
.pill.auth{background:#E6F4EE;color:#0F8A5F}
.pill.new{background:#FFF3D8;color:#8A6100}

.lc-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:10px}
.lc-grid a{display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;min-height:76px;border:1px solid var(--line);border-radius:10px;background:#fff;padding:10px 8px;cursor:pointer;transition:.15s}
.lc-grid a:hover{border-color:var(--acc);background:#FFFBF2;text-decoration:none;transform:translateY(-2px);box-shadow:0 5px 16px rgba(3,46,84,.08)}
.lc-grid .bn{font-family:var(--fh);font-weight:700;font-size:.88rem;color:var(--ink2);line-height:1.25}
.lc-grid .bc{font-size:.68rem;color:var(--mute);margin-top:4px;letter-spacing:.02em}
.lc-h{display:flex;align-items:center;gap:12px;margin:34px 0 14px}
.lc-h h2{margin:0;font-size:1.2rem}
.lc-h:first-of-type{margin-top:0}
.lc-h .rule{flex:1;height:2px;background:linear-gradient(90deg,var(--line),transparent)}

.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line);padding:14px 0}
.faq summary{cursor:pointer;font-family:var(--fh);font-weight:700;font-size:1rem;list-style:none;color:var(--ink)}
.faq summary::-webkit-details-marker{display:none}
.faq summary:before{content:"+";color:var(--blue);font-weight:800;margin-right:11px}
.faq details[open] summary:before{content:"–"}
.faq p{margin:10px 0 0;color:var(--slate)}

.answerbox{background:var(--bg2);border-left:4px solid var(--acc);padding:16px 20px;border-radius:0 9px 9px 0;margin:0 0 22px}
.answerbox p{margin:0;font-size:1rem;color:#12283D}
.answerbox p+p{margin-top:.7em}

.crumbs{font-size:.78rem;color:var(--mute);padding:13px 0 0}
.crumbs a{color:var(--mute);cursor:pointer}

.mailcta{background:linear-gradient(135deg,#FFF6E2,#FFFDF7);border:1px solid var(--acc);border-radius:12px;padding:22px 24px;margin:26px 0;display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap}
.mailcta h3{margin:0 0 4px}
.mailcta p{margin:0;font-size:.9rem;color:var(--slate)}
.mailcta a.btn{white-space:nowrap}

footer.site{background:#02203C;color:#D3E3F1;padding:44px 0 22px;font-size:.86rem}
footer.site h4{color:#fff;font-family:var(--fh);font-size:.76rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:11px}
footer.site a{color:#C4D8EA;display:block;padding:3px 0;cursor:pointer}
footer.site a:hover{color:var(--acc)}
.fgrid{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:24px}
.fbot{border-top:1px solid rgba(255,255,255,.13);margin-top:30px;padding-top:16px;font-size:.77rem;color:#A9C4DC;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap}

.note{background:#FFF9E6;border:1px dashed #E3C86A;border-radius:9px;padding:12px 15px;font-size:.81rem;color:#6B5310;margin:16px 0}
.note b{color:#4A3800}
.updated{font-size:.77rem;color:var(--mute);margin-top:22px}
.view{display:block}

.fine{font-size:.76rem;color:var(--mute)}
.blks{display:flex;flex-wrap:wrap;gap:6px;margin-top:4px}
.blks a, a.blk{display:inline-block;font-size:.76rem;font-weight:700;padding:3px 10px;border:1px solid var(--line);border-radius:99px;background:var(--bg2);color:var(--ink2);cursor:pointer;line-height:1.5}
.blks a:hover, a.blk:hover{border-color:var(--acc);background:#FFF9EC;text-decoration:none}
td a.blk{margin:1px 2px 1px 0}
.split{display:grid;grid-template-columns:1.6fr 1fr;gap:32px;align-items:start}
.aside{background:var(--bg2);border:1px solid var(--line);border-radius:11px;padding:20px;position:sticky;top:118px}
.aside h3{font-size:1rem}

@media(max-width:920px){
  .g4{grid-template-columns:repeat(2,1fr)}
  .g3{grid-template-columns:repeat(2,1fr)}
  .stats{grid-template-columns:repeat(2,1fr)}
  .split,.fgrid{grid-template-columns:1fr}
  .aside{position:static}
  nav.main{display:none}
  .nav .btn{display:none}
  #burger{display:block}
  header.site{top:0}
  
}
@media(max-width:700px){.logo{font-size:1.05rem;gap:8px}.logo img{width:36px!important;height:36px!important}}
@media(max-width:560px){
  .g2,.g3{grid-template-columns:1fr}
  body{font-size:15px}
  section{padding:36px 0}
  .hero{padding:40px 0 36px}
  .lc-grid{grid-template-columns:repeat(2,1fr)}
  .mailcta{flex-direction:column;align-items:flex-start}
}