*{box-sizing:border-box;margin:0;padding:0}
:root{--navy:#0A2A66;--blue:#164B9B;--red:#D52B1E;--ink:#111827;--muted:#5D6675;--line:#E2E8F0;--pale:#F3F6FC;--white:#fff;--green:#059669}
html{scroll-behavior:smooth}
body{font-family:Inter,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.68;-webkit-font-smoothing:antialiased}
a{color:var(--navy)}
.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;background:#fff;color:#000;padding:10px;z-index:100}
.top{height:68px;padding:0 24px;background:#fff;border-bottom:1px solid var(--line);display:flex;align-items:center;justify-content:space-between;position:sticky;top:0;z-index:20}
.brand{display:flex;align-items:center;gap:9px;text-decoration:none;color:var(--navy);font-family:Georgia,serif;font-size:21px;font-weight:900}.mark{display:inline-flex;align-items:center;justify-content:center;width:30px;height:30px;background:var(--navy);color:#fff;border-radius:8px;font-family:Georgia,serif;font-size:18px}.accent{color:var(--red)}
.top-cta,.cta{display:inline-flex;align-items:center;justify-content:center;background:var(--red);color:#fff;text-decoration:none;border-radius:999px;padding:11px 19px;font-weight:800;font-size:14px}.top-cta:hover,.cta:hover{background:#B52218}
.hero{background:linear-gradient(135deg,#061A3B,var(--navy) 60%,#174D9C);color:#fff;padding:76px 24px 70px;border-bottom:5px solid var(--red)}
.wrap{max-width:900px;margin:0 auto}.crumbs{font-size:12px;color:rgba(255,255,255,.68);margin-bottom:22px}.crumbs a{color:#fff}.eyebrow{text-transform:uppercase;letter-spacing:2px;font-size:11px;font-weight:800;color:#9FC0F0;margin-bottom:12px}.hero h1{font-family:Georgia,serif;font-size:clamp(34px,6vw,56px);line-height:1.1;max-width:800px;margin-bottom:19px}.hero p{max-width:760px;color:rgba(255,255,255,.78);font-size:17px}.hero .cta{margin-top:28px;padding:15px 26px}
main{padding:58px 24px 72px}.article{max-width:780px;margin:0 auto}.article h2{font-family:Georgia,serif;color:var(--ink);font-size:clamp(25px,4vw,34px);line-height:1.22;margin:45px 0 15px}.article h3{font-size:19px;line-height:1.35;margin:28px 0 10px}.article p{margin:0 0 17px;color:#303947}.article ul,.article ol{padding-left:24px;margin:0 0 20px}.article li{margin-bottom:8px}.lead{font-size:19px!important;color:var(--ink)!important;line-height:1.65}.box{background:var(--pale);border-left:4px solid var(--navy);border-radius:0 13px 13px 0;padding:22px 24px;margin:28px 0}.box.red{border-left-color:var(--red)}.box.green{border-left-color:var(--green)}.box p:last-child{margin-bottom:0}.price{font-family:Georgia,serif;color:var(--navy);font-size:36px;font-weight:900;line-height:1.1}.muted{font-size:13px;color:var(--muted)!important}.source-list{display:grid;gap:12px;margin:20px 0}.source{display:block;border:1px solid var(--line);border-radius:12px;padding:15px 17px;text-decoration:none;background:#fff;font-weight:700}.source span{display:block;color:var(--muted);font-weight:500;font-size:13px;margin-top:4px}.source:hover{border-color:#8EAFE2;box-shadow:0 5px 20px rgba(10,42,102,.08)}
.steps{counter-reset:step;display:grid;gap:14px;margin:24px 0}.step{position:relative;padding:19px 20px 19px 64px;border:1px solid var(--line);border-radius:13px}.step:before{counter-increment:step;content:counter(step);position:absolute;left:18px;top:18px;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:900}.step strong{display:block}.faq{border-bottom:1px solid var(--line);padding:19px 0}.faq h2,.faq h3{font-family:Inter,system-ui,sans-serif;font-size:17px;margin:0 0 7px}.faq p{margin:0}.related{background:var(--pale);padding:48px 24px}.related-grid{max-width:900px;margin:0 auto;display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.related h2{grid-column:1/-1;font-family:Georgia,serif;margin-bottom:6px}.related a{background:#fff;border:1px solid var(--line);border-radius:12px;padding:17px;text-decoration:none;font-weight:800;line-height:1.35}.related a:hover{border-color:#8EAFE2}.final{background:#071A3A;color:#fff;text-align:center;padding:54px 24px}.final h2{font-family:Georgia,serif;font-size:32px;margin-bottom:10px}.final p{color:rgba(255,255,255,.7);margin-bottom:23px}.final .cta{font-size:15px;padding:15px 24px}
footer{background:#06152E;color:rgba(255,255,255,.56);text-align:center;padding:30px 24px;font-size:12px}.foot-nav{display:flex;justify-content:center;gap:10px 18px;flex-wrap:wrap;margin-bottom:12px}.foot-nav a{color:rgba(255,255,255,.75);text-decoration:none}.updated{font-size:12px;color:var(--muted);border-top:1px solid var(--line);padding-top:18px;margin-top:36px}
@media(max-width:680px){.top{padding:0 16px}.top-cta{font-size:12px;padding:9px 13px}.brand{font-size:18px}.hero{padding:54px 20px}.hero p{font-size:15px}main{padding:42px 20px 56px}.related-grid{grid-template-columns:1fr}.related h2{grid-column:auto}.article h2{margin-top:36px}}