:root{--ink:#14212b;--muted:#40545f;--teal:#087286;--teal-dark:#065d6f;--line:#d7e3e8;--soft:#eef6f8;--yellow:#ffc439;--warn:#fff7ed;--dark:#18252f}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;background:#f4f8fa;color:var(--ink);line-height:1.68;overflow-wrap:break-word}
a{color:var(--teal-dark)}
.wrap{max-width:1120px;margin:0 auto;padding:24px}
.top{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.nav{display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap}
.brand{font-size:23px;font-weight:900;text-decoration:none;color:var(--teal-dark)}
.links{display:flex;gap:10px;flex-wrap:wrap}
.links a{display:inline-block;padding:9px 14px;border:1px solid #b8d6df;border-radius:999px;text-decoration:none;font-weight:800;background:#fff}
.breadcrumbs{font-size:14px;color:#5b6c75;padding-top:18px;padding-bottom:0}
.breadcrumbs a{text-decoration:none}
.hero{background:linear-gradient(180deg,#eaf4f7 0,#f4f8fa 100%)}
.hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:34px;align-items:center;padding-top:34px;padding-bottom:48px}
.eyebrow{font-size:14px;font-weight:900;letter-spacing:.08em;text-transform:uppercase;color:var(--teal-dark);margin:0 0 10px}
h1{font-size:clamp(36px,5.7vw,58px);line-height:1.04;margin:0 0 18px;font-weight:900;letter-spacing:-.025em}
h2{font-size:clamp(28px,4vw,40px);line-height:1.12;margin:0 0 16px;font-weight:900;letter-spacing:-.02em}
h3{font-size:22px;line-height:1.2;margin:0 0 10px}
p{margin:0 0 16px}
.lead{font-size:20px;color:#243743;margin:0 0 22px}
.buttons{display:flex;gap:10px;flex-wrap:wrap;margin:20px 0 0}
.btn{display:inline-flex;align-items:center;justify-content:center;background:var(--teal);color:#fff;text-decoration:none;font-weight:900;padding:14px 18px;border-radius:8px;border:2px solid var(--teal);text-align:center}
.btn:hover{background:var(--teal-dark)}
.btn.yellow{background:var(--yellow);color:var(--ink);border-color:var(--ink)}
.btn.light{background:#fff;color:var(--teal-dark)}
.hero-panel{background:var(--dark);color:#eef6f8;border-radius:18px;padding:25px;box-shadow:0 18px 42px rgba(20,33,43,.14)}
.hero-panel h2{font-size:24px;margin-bottom:14px;color:#fff}
.hero-panel ol,.hero-panel ul{margin:0;padding-left:22px}
.hero-panel li{margin:10px 0}
.hero-panel a{color:#fff}
.section{padding:46px 0}
.band{background:var(--soft);border-top:1px solid #e1eaee;border-bottom:1px solid #e1eaee}
.intro{max-width:850px}
.contents{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px}
.contents strong{display:block;margin-bottom:8px}
.contents ul{columns:2;margin:0;padding-left:20px}
.contents li{margin:5px 0;break-inside:avoid}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.grid.two{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:21px}
.card p:last-child,.callout p:last-child{margin-bottom:0}
.card-number{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--teal);color:#fff;font-weight:900;margin-bottom:14px}
.checklist{list-style:none;margin:0;padding:0}
.checklist li{position:relative;padding:8px 0 8px 32px;border-bottom:1px solid #e6edef}
.checklist li:last-child{border-bottom:0}
.checklist li::before{content:"✓";position:absolute;left:0;top:8px;display:grid;place-items:center;width:22px;height:22px;border-radius:50%;background:#dff1f4;color:var(--teal-dark);font-weight:900}
.callout{background:#fff;border:1px solid var(--line);border-left:6px solid var(--teal);border-radius:12px;padding:20px}
.callout.warning{background:var(--warn);border-color:#fdba74;border-left-color:#d97706}
.callout.dark{background:var(--dark);color:#e9f1f4;border-color:var(--dark)}
.callout.dark a{color:#fff}
.decision{display:grid;grid-template-columns:1fr auto 1fr;gap:16px;align-items:stretch}
.decision .or{align-self:center;font-weight:900;color:#6d7c84}
.source{font-size:15px;color:#52656f;background:#fff;border:1px solid var(--line);border-radius:10px;padding:16px}
.source a{font-weight:800}
.related{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.related a{background:#fff;border:1px solid var(--line);border-radius:10px;padding:18px;text-decoration:none;font-weight:900}
.related a span{display:block;font-weight:400;color:var(--muted);margin-top:6px}
.faq{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.faq article{background:#fff;border:1px solid var(--line);border-radius:12px;padding:19px}
.faq article p{margin:0}
.foot{background:var(--dark);color:#dce7eb;padding:26px 0}
.foot a{color:#fff}
.foot-row{display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap}
.updated{font-size:14px;color:#60717a;margin-top:20px}
@media(max-width:900px){.hero-grid,.grid,.grid.two,.related,.faq,.decision{grid-template-columns:1fr}.decision .or{text-align:center}.contents ul{columns:1}.links{width:100%;flex-wrap:nowrap;overflow-x:auto;padding-bottom:4px}.links a{flex:0 0 auto;border-radius:8px}.hero-panel{box-shadow:none}}
@media(max-width:520px){.wrap{padding:17px}.hero-grid{padding-top:24px;padding-bottom:34px}h1{font-size:32px}h2{font-size:27px}.lead{font-size:18px}.btn{width:100%}.section{padding:34px 0}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}