:root{--ink:#142033;--muted:#5c6b7e;--line:#e6ebf2;--bg:#f4f7fb;--card:#fff;--navy:#0e2744;--navy2:#16365c;--copper:#c4622d;--max:1120px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Segoe UI",system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
a{color:var(--navy2)}
img{max-width:100%}
.skip{position:absolute;left:-999px;top:0;background:#000;color:#fff;padding:.5rem 1rem}
.skip:focus{left:.5rem;z-index:9}
.wrap{width:min(var(--max),calc(100% - 2rem));margin-inline:auto}
.top{background:var(--navy);color:#fff;position:sticky;top:0;z-index:5;border-bottom:3px solid var(--copper)}
.bar{display:flex;align-items:flex-start;justify-content:space-between;gap:.8rem 1.4rem;padding:.85rem 0;flex-direction:column}
.logo{color:#fff;text-decoration:none;font-weight:800;letter-spacing:.08em;font-size:.95rem;white-space:nowrap}
.logo small{display:block;letter-spacing:.02em;font-weight:500;opacity:.8;font-size:.75rem;margin-top:.15rem;text-transform:none}
nav{display:flex;gap:.55rem .95rem;align-items:center;flex-wrap:wrap}
nav a{color:#fff;text-decoration:none;font-weight:600;font-size:.95rem}
nav a[aria-current="page"]{text-decoration:underline;text-underline-offset:.28rem}
.btn{display:inline-block;background:var(--copper);color:#fff;text-decoration:none;font-weight:700;padding:.72rem 1rem;border-radius:8px}
.btn.navy{background:var(--navy)}
.btn.ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.45)}
.hero{background:linear-gradient(160deg,#0e2744 0%,#1a4570 58%,#24527f 100%);color:#fff;padding:3.2rem 0 2.6rem}
.hero-grid{display:grid;grid-template-columns:1.4fr .8fr;gap:1.5rem;align-items:end}
.kicker{margin:0 0 .6rem;letter-spacing:.12em;text-transform:uppercase;font-size:.75rem;font-weight:800;color:var(--copper)}
.hero .kicker{color:#f0c7ad}
h1{font-size:clamp(2.1rem,4.5vw,3.35rem);line-height:1.08;letter-spacing:-.03em;margin:0 0 .8rem}
.hero h1{color:#fff}
.lede{font-size:1.12rem;max-width:40rem;color:#3d4d61;margin:0 0 1.2rem}
.hero .lede{color:#e7eef6}
.actions{display:flex;gap:.7rem;flex-wrap:wrap}
.panel{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:16px;padding:1rem 1.1rem}
.panel strong{display:block;margin-bottom:.4rem}
.panel a{color:#fff}
.panel li{margin:.35rem 0}
.tasks{background:#fff;border-bottom:1px solid var(--line)}
.tasks-row{display:grid;grid-template-columns:repeat(6,1fr)}
.tasks a{display:block;padding:1rem .8rem;text-decoration:none;color:var(--ink);border-right:1px solid var(--line)}
.tasks a:last-child{border-right:0}
.tasks a:hover{background:#f7fafc}
.tasks strong{display:block;color:var(--navy)}
.tasks span{display:block;color:var(--muted);font-size:.88rem}
.book{display:grid;grid-template-columns:1fr 1fr 1fr auto;gap:.7rem;align-items:end;background:#fff;border:1px solid var(--line);border-radius:16px;padding:1rem;margin:1rem 0}
.book div{background:#f7fafc;border-radius:10px;padding:.7rem .8rem}
.book span{display:block;color:var(--muted);font-size:.75rem;letter-spacing:.06em;text-transform:uppercase;font-weight:700}
.chips{display:flex;flex-wrap:wrap;gap:.5rem;list-style:none;padding:0;margin:0}
.chips a{display:inline-block;background:#fff;border:1px solid var(--line);border-radius:999px;padding:.4rem .8rem;text-decoration:none;color:var(--navy);font-weight:650}
.band{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:.8rem}
.book .btn,.prose .btn{margin:.2rem .35rem .2rem 0}
.strip{background:#fff;border-bottom:1px solid var(--line)}
.strip-inner{display:grid;grid-template-columns:repeat(3,1fr)}
.strip-inner div{padding:1rem 1.2rem;border-right:1px solid var(--line)}
.strip-inner div:last-child{border-right:0}
.strip b{display:block;font-size:1.15rem}
.strip span{color:var(--muted);font-size:.92rem}
section{padding:2.2rem 0}
h2{font-size:1.7rem;letter-spacing:-.02em;margin:0 0 .7rem;color:var(--navy)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:.8rem;list-style:none;padding:0;margin:0}
.grid a{display:block;background:#fff;border:1px solid var(--line);border-radius:14px;padding:.95rem 1rem;text-decoration:none;color:var(--ink);min-height:100%}
.grid a:hover{border-color:#b9c7d8}
.grid strong{display:block;color:var(--navy);font-size:1.05rem}
.grid span{display:block;color:var(--muted);font-size:.92rem;margin-top:.25rem}
.prose{background:#fff;border:1px solid var(--line);border-radius:16px;padding:1.3rem 1.4rem}
.prose p{margin:.7rem 0}
.page{padding:1.6rem 0 2.6rem}
.crumbs{color:var(--muted);font-size:.92rem;margin:0 0 .8rem}
.crumbs a{color:var(--muted)}
.article h1{color:var(--navy);font-size:clamp(2rem,4vw,2.8rem)}
.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:.7rem;margin:1rem 0 1.2rem}
.facts div{background:#fff;border:1px solid var(--line);border-radius:12px;padding:.8rem .9rem}
.facts span{display:block;color:var(--muted);font-size:.78rem;letter-spacing:.06em;text-transform:uppercase;font-weight:750}
.note{border-left:4px solid var(--copper);background:#fff;padding:.9rem 1rem;margin:1rem 0}
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:.7rem .9rem;margin:.45rem 0}
.faq summary{cursor:pointer;font-weight:750;color:var(--navy)}
footer{background:var(--navy);color:#d5e0ec;padding:2rem 0 1.4rem;font-size:.95rem}
footer a{color:#fff}
.foot{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:1.2rem}
footer h2{color:#fff;font-size:1rem}
footer ul{padding:0;list-style:none;margin:0}
footer li{margin:.3rem 0}
.legal{margin-top:1.2rem;border-top:1px solid rgba(255,255,255,.15);padding-top:.8rem;color:#b7c5d6}
form{display:grid;gap:.7rem;max-width:34rem}
input,textarea{font:inherit;padding:.7rem .8rem;border:1px solid var(--line);border-radius:8px;width:100%}
button{font:inherit;background:var(--navy);color:#fff;border:0;border-radius:8px;padding:.75rem 1rem;font-weight:750;cursor:pointer}
@media(min-width:1040px){
  .bar{flex-direction:row;align-items:center}
}
@media(max-width:860px){
  .hero-grid,.strip-inner,.facts,.grid,.foot,.tasks-row,.book,.split{grid-template-columns:1fr}
  .tasks a{border-right:0;border-bottom:1px solid var(--line)}
  .strip-inner div{border-right:0;border-bottom:1px solid var(--line)}
}