:root{--navy:#07182f;--royal:#103f7b;--gold:#c9922a;--gold-light:#e8b84b;--ink:#172033;--muted:#667085;--line:#e7ebf2;--soft:#f5f7fb;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:var(--white);font-family:"DM Sans",Arial,sans-serif;line-height:1.7}img{max-width:100%;display:block}a{color:inherit}.container{width:min(1120px,calc(100% - 40px));margin:0 auto}.topbar{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(14px)}.nav{min-height:74px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand img{width:142px}.nav-links{display:flex;align-items:center;gap:22px;font-size:.92rem;font-weight:600}.nav-links a{text-decoration:none;color:#344054}.nav-links a:hover{color:var(--gold)}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:0 22px;border-radius:8px;background:linear-gradient(135deg,var(--gold),var(--gold-light));color:#fff;text-decoration:none;font-weight:700;box-shadow:0 14px 30px rgba(201,146,42,.25)}.hero{position:relative;min-height:620px;color:#fff;display:grid;align-items:end;overflow:hidden;background:var(--navy)}.hero:before{content:"";position:absolute;inset:0;background:linear-gradient(105deg,rgba(7,24,47,.95) 0%,rgba(7,24,47,.78) 48%,rgba(7,24,47,.28) 100%),var(--hero-image) center/cover}.hero-inner{position:relative;padding:108px 0 72px}.breadcrumb{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:28px;color:rgba(255,255,255,.74);font-size:.9rem}.breadcrumb a{text-decoration:none}.eyebrow{display:inline-flex;align-items:center;gap:10px;color:var(--gold-light);font-size:.78rem;font-weight:800;letter-spacing:.18em;text-transform:uppercase}.eyebrow:before{content:"";width:52px;height:2px;background:var(--gold-light)}h1,h2,h3{font-family:"Playfair 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var(--line);border-radius:8px;background:#fff;box-shadow:0 12px 35px rgba(16,63,123,.08)}.toc{padding:24px;margin:34px 0}.toc strong,.sidebar-card strong{display:block;color:var(--navy);font-size:.92rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:14px}.toc a{display:block;padding:9px 0;color:#475467;text-decoration:none;border-top:1px solid var(--line);font-weight:600}.toc a:hover{color:var(--gold)}.section{padding-top:22px;margin-top:24px}h2{font-size:clamp(1.75rem,4vw,2.55rem);margin-bottom:18px}h3{font-size:1.35rem;margin:28px 0 10px}p{margin:0 0 18px}.check-list{display:grid;gap:12px;padding:0;margin:18px 0 0;list-style:none}.check-list li{position:relative;padding-left:30px;color:#344054}.check-list li:before{content:"";position:absolute;left:0;top:.48em;width:12px;height:12px;border-radius:50%;background:var(--gold);box-shadow:inset 0 0 0 3px #fff,0 0 0 1px var(--gold)}.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:8px;box-shadow:0 12px 35px rgba(16,63,123,.08);margin-top:20px}table{width:100%;border-collapse:collapse;min-width:560px;background:#fff}th,td{text-align:left;padding:15px 18px;border-bottom:1px solid var(--line)}th{background:var(--navy);color:#fff;font-size:.82rem;letter-spacing:.12em;text-transform:uppercase}tr:last-child td{border-bottom:0}.note{color:var(--muted);font-size:.94rem;margin-top:12px}.faq-list{display:grid;gap:12px;margin-top:18px}.faq-question{width:100%;border:0;background:transparent;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between;gap:16px;padding:20px;text-align:left;font:inherit;font-weight:800}.faq-answer{display:none;padding:0 20px 20px;color:#475467}.faq-item.open .faq-answer{display:block}.cta{margin:44px 0 0;padding:36px;border-radius:8px;background:linear-gradient(105deg,rgba(7,24,47,.96),rgba(16,63,123,.86)),url("https://images.unsplash.com/photo-1560518883-ce09059eeffa?auto=format&fit=crop&w=1400&q=80") center/cover;color:#fff}.cta h2{color:#fff}.cta p{max-width:720px;color:rgba(255,255,255,.82)}.related{background:var(--soft);padding:60px 0}.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:24px}.related-card{overflow:hidden;text-decoration:none}.related-card img{width:100%;aspect-ratio:16/10;object-fit:cover}.related-card div{padding:18px}.related-card span{color:var(--gold);font-size:.78rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase}.related-card h3{font-size:1.15rem;margin-top:8px}aside{position:sticky;top:96px;display:grid;gap:18px}.sidebar-card{padding:24px}.sidebar-card p{color:var(--muted);font-size:.95rem}.mini-list{margin:0;padding:0;list-style:none;display:grid;gap:10px;color:#475467;font-size:.95rem}footer{background:#061226;color:rgba(255,255,255,.68);padding:34px 0}footer .container{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}footer a{color:#fff;text-decoration:none}@media(max-width:920px){.nav-links{display:none}.layout{grid-template-columns:1fr;padding-top:42px}aside{position:static}.related-grid{grid-template-columns:1fr}}@media(max-width:640px){.container{width:min(100% - 28px,1120px)}.hero{min-height:590px}.hero-inner{padding:88px 0 50px}.cta{padding:28px 22px}.brand img{width:118px}}.answer-box{margin:34px 0;padding:26px;border-radius:8px;background:#f5f7fb;border:1px solid var(--line);box-shadow:0 12px 35px rgba(16,63,123,.08)}.answer-box h2{font-size:1.45rem;margin-bottom:10px}.answer-box p{margin-bottom:0;color:#344054;font-weight:600}article table{width:100%;border-collapse:collapse;margin:18px 0 22px;border:1px solid var(--line);border-radius:8px;overflow:hidden}article th,article td{padding:14px 16px;border-bottom:1px solid var(--line);text-align:left}article th{background:var(--navy);color:#fff}article tr:last-child td{border-bottom:0}