:root{--navy:#0B2545;--gold:#C9A227;--ink:#12203a;--muted:#5b6b83;--line:#e3e8ef;--wash:#f6f8fb}*{box-sizing:border-box}body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);line-height:1.7;background:#fff;-webkit-font-smoothing:antialiased}.wrap{max-width:880px;margin:0 auto;padding:0 22px}a{color:var(--navy)}header.hero{background:var(--navy);color:#fff;padding:46px 0 52px}header.hero .crumb{font-size:13px;color:#8fa9cc;margin-bottom:14px}header.hero .crumb a{color:#8fa9cc;text-decoration:none}header.hero h1{margin:0 0 16px;font-size:40px;line-height:1.12;letter-spacing:-.022em}header.hero .lede{color:#cfdcee;font-size:18px;max-width:62ch;margin:0}.answer{background:var(--wash);border-left:4px solid var(--gold);padding:20px 24px;margin:32px 0;border-radius:0 10px 10px 0;font-size:17px}main{padding:8px 0 50px}h2{color:var(--navy);font-size:27px;line-height:1.25;margin:42px 0 12px;letter-spacing:-.015em}h3{color:var(--navy);font-size:19px;margin:26px 0 8px}p{margin:0 0 16px}ul,ol{margin:0 0 18px;padding-left:22px}li{margin-bottom:8px}table{width:100%;border-collapse:collapse;margin:22px 0;font-size:15px}th,td{border:1px solid var(--line);padding:11px 13px;text-align:left;vertical-align:top}th{background:var(--wash);color:var(--navy);font-weight:700}.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px;margin:22px 0}.tile{border:1px solid var(--line);border-radius:12px;padding:18px}.tile h3{margin:0 0 6px;font-size:17px}.tile p{margin:0;color:var(--muted);font-size:15px}details{border-bottom:1px solid var(--line);padding:14px 0}summary{cursor:pointer;font-weight:650;color:var(--navy);font-size:17px}details p{margin:10px 0 0;color:var(--muted)}.cta{margin:44px 0 0;background:var(--navy);color:#fff;border-radius:16px;padding:32px}.cta h2{color:#fff;margin:0 0 8px}.cta p{color:#c3d4ea;margin:0 0 18px}.btn{display:inline-block;background:var(--gold);color:#1a1300;padding:13px 22px;border-radius:9px;text-decoration:none;font-weight:700;margin:0 10px 10px 0}.btn.ghost{background:transparent;color:#fff;border:1px solid #40608c}.note{font-size:14px;color:var(--muted);font-style:italic}footer{border-top:1px solid var(--line);padding:26px 0;color:var(--muted);font-size:14px;margin-top:46px}@media(max-width:640px){header.hero h1{font-size:29px}h2{font-size:23px}}