:root{--navy: #0c2d52;--navy-deep: #081f3a;--blue: #1a5fb4;--blue-light: #e8f0fb;--gold: #c8a45c;--ink: #1a2330;--slate: #45526b;--muted: #6b7688;--line: #e2e7ef;--bg: #ffffff;--bg-alt: #f6f8fb;--radius: 10px;--maxw: 1140px;--font: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;--serif: "Playfair Display", Georgia, serif}*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}img{max-width:100%;height:auto}a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}h1,h2,h3,h4{line-height:1.2;color:var(--navy);font-weight:700;letter-spacing:-.01em}h1{font-size:clamp(2rem,4vw,3rem);margin:0 0 .5em}h2{font-size:clamp(1.5rem,3vw,2.1rem);margin:1.8em 0 .6em}h3{font-size:clamp(1.2rem,2vw,1.45rem);margin:1.5em 0 .5em}h4{font-size:1.1rem;margin:1.2em 0 .4em;color:var(--slate)}p{margin:0 0 1.1em}ul,ol{margin:0 0 1.1em;padding-left:1.4em}li{margin:.3em 0}strong{color:var(--navy)}hr{border:0;border-top:1px solid var(--line);margin:2.5em 0}blockquote{margin:1.5em 0;padding:.5em 1.2em;border-left:3px solid var(--gold);color:var(--slate);font-style:italic}table{width:100%;border-collapse:collapse;margin:1.5em 0;font-size:.95rem;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}th,td{padding:.7em 1em;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}th{background:var(--navy);color:#fff;font-weight:600}tr:nth-child(2n) td{background:var(--bg-alt)}.container{max-width:var(--maxw);margin:0 auto;padding:0 24px}.prose{max-width:820px;margin:0 auto}main{min-height:60vh}.site-header{position:sticky;top:0;z-index:50;background:#fffffff2;backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}.site-header .container{display:flex;align-items:center;justify-content:space-between;height:66px}.brand{font-weight:800;font-size:1.15rem;color:var(--navy);letter-spacing:-.02em}.brand span{color:var(--gold)}.nav{display:flex;gap:22px;align-items:center}.nav a{color:var(--slate);font-size:.95rem;font-weight:500}.nav a:hover{color:var(--blue);text-decoration:none}.nav-cta{background:var(--navy);color:#fff!important;padding:9px 18px;border-radius:var(--radius);font-weight:600}.nav-cta:hover{background:var(--blue)}.lang-switch{font-size:.85rem;color:var(--muted)}.hero{background:linear-gradient(160deg,var(--navy-deep),var(--navy) 60%,var(--blue));color:#fff;padding:72px 0 64px}.hero .container{max-width:900px}.hero h1{color:#fff}.hero .eyebrow{color:var(--gold);text-transform:uppercase;letter-spacing:.12em;font-size:.8rem;font-weight:600;margin-bottom:12px}.hero .lede{font-size:1.2rem;color:#cdd9ea;max-width:680px}.hero .hero-cta{margin-top:28px;display:flex;gap:14px;flex-wrap:wrap}.btn{display:inline-block;padding:13px 26px;border-radius:var(--radius);font-weight:600;cursor:pointer;border:0;font-size:1rem;text-align:center}.btn-primary{background:var(--gold);color:var(--navy-deep)!important}.btn-primary:hover{background:#d8b66e;text-decoration:none}.btn-ghost{background:transparent;color:#fff!important;border:1px solid rgba(255,255,255,.4)}.btn-ghost:hover{background:#ffffff1a;text-decoration:none}.section{padding:56px 0}.section-alt{background:var(--bg-alt)}.section-narrow{max-width:820px;margin:0 auto}.card-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:22px;margin:1.5em 0}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px}.card h3{margin-top:0}.card-grid--alt .card{background:var(--bg-alt)}.cta-band{background:var(--navy);color:#fff;padding:56px 0;text-align:center}.cta-band h2{color:#fff}.cta-band p{color:#cdd9ea;max-width:560px;margin:0 auto 24px}.vcc-form{display:grid;gap:14px;max-width:520px;margin:0 auto;text-align:left}.vcc-form label{font-size:.85rem;font-weight:600;color:var(--slate);display:block;margin-bottom:4px}.vcc-form input,.vcc-form select,.vcc-form textarea{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:8px;font-family:inherit;font-size:1rem;background:#fff}.vcc-form button{margin-top:6px}.cta-band .vcc-form input,.cta-band .vcc-form select,.cta-band .vcc-form textarea{background:#fff;color:var(--ink)}.site-footer{background:var(--navy-deep);color:#aab8cc;padding:48px 0 28px;font-size:.9rem}.site-footer a{color:#cdd9ea}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px;margin-bottom:28px}.footer-grid h4{color:#fff;margin:0 0 12px;font-size:.95rem}.footer-grid ul{list-style:none;padding:0;margin:0}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:20px;font-size:.82rem;color:#7f8da3}.disclosure{font-size:.82rem;color:#8295ad;max-width:720px;margin-top:8px}.breadcrumbs{font-size:.85rem;color:var(--muted);padding:16px 0}.breadcrumbs a{color:var(--muted)}.article-meta{color:var(--muted);font-size:.9rem;margin-bottom:1.5em}.article-hero-img{border-radius:var(--radius);margin:1.5em 0;width:100%}.related{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px}.related-card{border:1px solid var(--line);border-radius:var(--radius);padding:20px;background:#fff}.related-card a{color:var(--navy);font-weight:600}.faq details{border-bottom:1px solid var(--line);padding:16px 0}.faq summary{font-weight:600;color:var(--navy);cursor:pointer;font-size:1.05rem}.faq details[open] summary{margin-bottom:10px}@media(max-width:768px){.nav{gap:12px}.nav a:not(.nav-cta){display:none}.footer-grid{grid-template-columns:1fr}body{font-size:16px}}