*,:before,:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{color:#1a1a2e;background:#fff;font-family:Segoe UI,system-ui,-apple-system,sans-serif;line-height:1.75}a{color:inherit;text-decoration:none}:root{--navy:#0f1f3d;--blue:#1a3a6b;--accent:#c9a84c;--light:#f4f6fa;--mid:#e8ecf4;--text:#1a1a2e;--muted:#5a6278;--white:#fff;--radius:8px;--shadow:0 4px 24px #0f1f3d1a}.container{max-width:760px;margin:0 auto;padding:0 24px}nav{z-index:100;background:var(--navy);position:sticky;top:0;box-shadow:0 2px 12px #00000040}.nav-inner{justify-content:space-between;align-items:center;max-width:1140px;height:64px;margin:0 auto;padding:0 24px;display:flex}.nav-logo{color:var(--white);letter-spacing:.02em;font-size:1.05rem;font-weight:800}.nav-logo span{color:var(--accent)}.nav-back{color:#fffc;font-size:.85rem;font-weight:600}.nav-back:hover{color:var(--accent)}main{padding:64px 0 100px}.article-label{letter-spacing:.12em;text-transform:uppercase;color:var(--accent);margin-bottom:14px;font-size:.75rem;font-weight:700;display:inline-block}h1{color:var(--navy);margin-bottom:12px;font-size:clamp(1.9rem,4vw,2.5rem);font-weight:800;line-height:1.25}.article-meta{color:var(--muted);margin-bottom:40px;font-size:.9rem}.divider{background:var(--accent);border-radius:2px;width:48px;height:3px;margin:0 0 40px}h2{color:var(--navy);margin:40px 0 16px;font-size:1.35rem;font-weight:700}h3{color:var(--navy);margin:24px 0 10px;font-size:1.05rem;font-weight:700}p{color:var(--text);margin-bottom:18px}p.lead{color:var(--muted);font-size:1.1rem}ul{margin:0 0 18px 20px}li{color:var(--text);margin-bottom:10px}strong{color:var(--navy)}.steps{flex-direction:column;gap:0;margin:32px 0;display:flex}.step{border-bottom:1px solid var(--mid);gap:20px;padding:20px 0;display:flex}.step:last-child{border-bottom:none}.step-num{background:var(--navy);width:44px;height:44px;color:var(--accent);border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;font-size:1.1rem;font-weight:800;display:flex}.step h3{color:var(--navy);margin-bottom:6px;font-size:1.05rem}.step p{margin-bottom:0;font-size:.95rem}.callout{background:var(--light);border-left:3px solid var(--accent);border-radius:6px;margin:28px 0;padding:20px 24px;font-size:.96rem}table{border-collapse:collapse;width:100%;margin:8px 0 28px;font-size:.92rem}th,td{text-align:left;border-bottom:1px solid var(--mid);vertical-align:top;padding:12px 14px}th{background:var(--light);color:var(--navy);font-weight:700}.cta-box{background:var(--navy);text-align:center;border-radius:12px;margin-top:48px;padding:36px 32px}.cta-box p{color:#ffffffd9;margin-bottom:20px}.cta-box a{background:var(--accent);color:var(--navy);border-radius:var(--radius);padding:12px 28px;font-size:.92rem;font-weight:700;display:inline-block}footer{background:#080f1e;margin-top:40px;padding:40px 0}.footer-inner{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:16px;max-width:1140px;margin:0 auto;padding:0 24px;display:flex}.footer-logo{color:var(--white);font-size:.95rem;font-weight:800}.footer-logo span{color:var(--accent)}.footer-links{gap:24px;display:flex}.footer-links a{color:#fff6;font-size:.8rem}.footer-links a:hover{color:var(--accent)}.footer-copy{color:#ffffff4d;font-size:.78rem}