:root{--navy:#071a31;--navy2:#123b66;--gold:#d7ae5c;--cream:#f4eddf;--ink:#18212f;--muted:#687387;--line:#dfe4eb;--shadow:0 18px 48px rgba(7,26,49,.13);--max:1180px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.65}a{text-decoration:none;color:inherit}img{max-width:100%;display:block}.container{width:min(var(--max),calc(100% - 34px));margin:auto}.top{background:var(--navy);color:#e9eff7;font-size:.9rem}.top .container{display:flex;justify-content:space-between;gap:18px;padding:8px 0;flex-wrap:wrap}.top a{color:white}.header{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}.nav{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:20px}.logo{display:flex;align-items:center;gap:12px;color:var(--navy);font-weight:900}.logo img{width:58px;height:58px;object-fit:contain}.logo small{display:block;color:var(--muted);font-size:.72rem}.links{display:flex;align-items:center;gap:18px;font-weight:800;font-size:.92rem}.menu{display:none}.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 19px;border-radius:999px;font-weight:900;border:1px solid transparent}.primary{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff}.gold{background:var(--gold);color:var(--navy)}.outline{border-color:#cbd3dd;background:white;color:var(--navy)}.hero{padding:82px 0 68px;background:radial-gradient(circle at 80% 15%,rgba(215,174,92,.25),transparent 25%),linear-gradient(145deg,#06172c,#0d315b);color:white}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center}.eyebrow{display:inline-block;padding:7px 12px;border-radius:999px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);color:#f2d79a;font-weight:900;font-size:.78rem;letter-spacing:.08em}.hero h1,.pagehero h1{color:white;font-size:clamp(2.7rem,6vw,5.2rem);line-height:1.03;margin:18px 0;letter-spacing:-.04em}.hero p,.pagehero p{color:#dce5ef;font-size:1.1rem}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:25px}.hero-card{padding:15px;border-radius:26px;background:rgba(255,255,255,.98);box-shadow:0 28px 70px rgba(0,0,0,.28)}.hero-card img{border-radius:16px}.trust{background:var(--cream);border-bottom:1px solid #ded1b7}.trust .container{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;padding:20px 0;text-align:center;font-weight:900;color:var(--navy)}section{padding:72px 0}.head{max-width:830px;margin-bottom:30px}.kicker{text-transform:uppercase;letter-spacing:.12em;font-size:.76rem;color:#98701e;font-weight:900}.head h2,h2{font-size:clamp(2rem,4vw,3.35rem);line-height:1.1;color:var(--navy);margin:9px 0 15px}.head p,.card p{color:var(--muted)}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}.card{border:1px solid var(--line);border-radius:22px;padding:25px;background:white;box-shadow:var(--shadow)}.card h3{color:var(--navy);font-size:1.35rem;margin:0 0 10px}.dark{background:var(--navy);color:white}.dark h2,.dark h3{color:white}.dark p{color:#cbd6e3}.dark .card{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.14);box-shadow:none}.brand{display:grid;grid-template-columns:140px 1fr;gap:22px;align-items:center}.brand img{width:140px;max-height:110px;object-fit:contain}.badge{display:inline-block;background:#edf3f8;color:#31506f;padding:5px 9px;border-radius:999px;font-size:.72rem;font-weight:900}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.step{padding:22px;border:1px solid var(--line);border-radius:20px}.step b{display:grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--gold);color:var(--navy);margin-bottom:12px}.topics{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.topic{padding:16px 18px;border:1px solid var(--line);border-radius:15px;font-weight:900;color:var(--navy)}.cta{background:linear-gradient(135deg,var(--cream),#edf4fb);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.cta .container{display:flex;align-items:center;justify-content:space-between;gap:25px;flex-wrap:wrap}.pagehero{padding:64px 0;background:linear-gradient(135deg,var(--navy),var(--navy2));color:white}.pagehero h1{font-size:clamp(2.5rem,5vw,4.6rem)}.prose{max-width:850px}.prose h2{margin-top:34px}.formgrid{display:grid;grid-template-columns:.8fr 1.2fr;gap:28px}.form{padding:28px;border:1px solid var(--line);border-radius:24px;box-shadow:var(--shadow)}label{display:block;font-weight:900;color:var(--navy);margin:12px 0 6px}input,select,textarea{width:100%;padding:13px 14px;border:1px solid #cdd5df;border-radius:12px;font:inherit}textarea{min-height:145px}.notice{background:#f5f7fa;padding:13px;border-radius:12px;color:var(--muted);font-size:.88rem;margin:14px 0}.footer{padding:52px 0 22px;background:#051426;color:#d6dfeb}.footgrid{display:grid;grid-template-columns:1.25fr repeat(3,1fr);gap:28px}.footer h3{color:white}.footer a{display:block;color:#cbd6e5;margin:7px 0}.footer img{width:78px}.bottom{margin-top:30px;padding-top:18px;border-top:1px solid rgba(255,255,255,.13);font-size:.87rem;color:#9fb0c4}@media(max-width:920px){.links{display:none;position:absolute;top:82px;left:0;right:0;background:white;flex-direction:column;align-items:flex-start;padding:22px;border-bottom:1px solid var(--line)}.links.open{display:flex}.menu{display:block}.hero-grid,.grid3,.grid2,.steps,.topics,.formgrid,.footgrid{grid-template-columns:1fr}.trust .container{grid-template-columns:1fr 1fr}.brand{grid-template-columns:110px 1fr}.brand img{width:110px}}@media(max-width:560px){.trust .container{grid-template-columns:1fr}.top .container{text-align:center;justify-content:center}.logo small{display:none}}

/* SEO V2 brand, accessibility and knowledge-content enhancements */
.sr-only{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}
.logo-wide img{width:260px;height:auto;max-height:72px}.footer-logo-wide{width:min(320px,100%)!important;height:auto}.contact-line{display:flex;gap:4px;flex-wrap:wrap;justify-content:flex-end}.social-links{display:flex;gap:8px;flex-wrap:wrap;margin-top:15px}.social-links a{display:inline-flex!important;border:1px solid rgba(255,255,255,.2);border-radius:999px;padding:5px 10px;margin:0!important;font-size:.78rem}.footer-fax{display:block;color:#cbd6e5;margin:7px 0}.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.article-card{border:1px solid var(--line);border-radius:22px;overflow:hidden;background:#fff;box-shadow:var(--shadow)}.article-card img{aspect-ratio:16/9;object-fit:cover}.article-card .content{padding:22px}.article-card .tag,.article-tag{display:inline-block;color:#805f1d;background:var(--cream);border-radius:999px;padding:4px 9px;font-size:.74rem;font-weight:900;letter-spacing:.05em;text-transform:uppercase}.article-card h3{margin:12px 0 8px;color:var(--navy);font-size:1.35rem}.article-card p{color:var(--muted)}.article-hero-image{border-radius:24px;box-shadow:var(--shadow);margin:28px 0}.article-meta{color:var(--muted);font-size:.92rem}.callout{border-left:5px solid var(--gold);background:var(--cream);padding:20px 22px;border-radius:0 18px 18px 0;margin:28px 0}.source-list a{color:#0e568f;text-decoration:underline}.contact-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.contact-card{border:1px solid var(--line);border-radius:20px;padding:24px;background:#fff;box-shadow:var(--shadow)}.contact-card strong{display:block;color:var(--navy);font-size:1.2rem}.hashtags{display:flex;gap:8px;flex-wrap:wrap}.hashtags span{background:#edf3f8;color:#31506f;border-radius:999px;padding:6px 10px;font-size:.82rem;font-weight:800}.logo img{object-fit:contain}.menu{border:1px solid var(--line);background:#fff;border-radius:12px;padding:10px 14px;font-weight:900;color:var(--navy)}
@media(max-width:1050px){.logo-wide img{width:210px}.links{gap:12px;font-size:.84rem}}
@media(max-width:920px){.article-grid,.contact-cards{grid-template-columns:1fr}.logo-wide img{width:220px}.contact-line{justify-content:center}}
@media(max-width:560px){.logo-wide img{width:190px}.contact-line span:nth-of-type(n+2){display:none}}