:root{
  --blue:#123f6d;
  --blue-dark:#0a2d50;
  --blue-deep:#061b30;
  --white:#fff;
  --off:#f7f9fc;
  --pale:#eef3f8;
  --ink:#111820;
  --muted:#33404d;
  --line:#aebdca;
  --focus:#ffbf47;
  --max:1180px;
  --r:12px
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--white);font-size:17px;line-height:1.64;text-rendering:optimizeLegibility}
a{color:var(--blue-dark);text-decoration-thickness:.11em;text-underline-offset:.18em}
a:hover{text-decoration-thickness:.16em}
a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible,select:focus-visible,summary:focus-visible{outline:4px solid var(--focus);outline-offset:3px;box-shadow:0 0 0 2px #000}
.wrap{width:min(calc(100% - 2rem),var(--max));margin-inline:auto}
.skip{position:absolute;top:-5rem;left:.75rem;background:#fff;color:#000;padding:.75rem 1rem;border:3px solid #000;z-index:999}
.skip:focus{top:.75rem}

/* Header and branding */
.top{background:var(--white);color:var(--ink)}
.topline{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:1rem}
.brand{text-decoration:none;color:var(--blue-dark);display:block}
.brand b{font-size:1.5rem;letter-spacing:.03em;color:var(--blue-dark)}
.brand span{display:block;color:#273746;font-size:.82rem;margin-top:.1rem}
.cta{background:var(--blue);color:#fff!important;text-decoration:none;font-weight:800;border-radius:7px;padding:.7rem .95rem;border:2px solid var(--blue-dark)}
.cta:hover{background:var(--blue-dark);color:#fff!important}

/* Sticky navigation */
.nav{position:sticky;top:0;z-index:50;background:var(--blue-dark);color:#fff;box-shadow:0 2px 4px rgba(0,0,0,.18)}
.navin{display:flex;align-items:stretch;min-height:50px}
.nav a,.nav summary{color:#fff!important;text-decoration:none;font-weight:800;display:flex;align-items:center;padding:.73rem .86rem;min-height:50px;cursor:pointer}
.nav a:hover,.nav summary:hover{background:var(--blue-deep);color:#fff!important}
.nav details{position:relative}
.nav summary{list-style:none}
.nav summary::-webkit-details-marker{display:none}
.nav summary::after{content:'▾';margin-left:.4rem;font-size:.75em}
.panel{position:absolute;left:0;top:100%;min-width:270px;background:#fff;color:var(--ink);border:1px solid var(--line);padding:.35rem;box-shadow:0 12px 30px rgba(0,0,0,.18)}
.panel a{color:var(--ink)!important;background:#fff;min-height:44px;padding:.55rem .7rem}
.panel a:hover{background:var(--pale);color:var(--blue-deep)!important}

.crumbs{font-size:.86rem;padding-top:1rem;color:#33404d;background:#fff}
.crumbs ol{display:flex;flex-wrap:wrap;gap:.4rem;list-style:none;padding:0;margin:0}
.crumbs li+li:before{content:'›';margin-right:.4rem}

/* Page introduction */
.hero{padding:3.2rem 0 2.8rem;border-bottom:1px solid var(--line);background:linear-gradient(180deg,#fff 0,#f3f6fa 100%);color:var(--ink)}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;color:var(--blue-dark);font-weight:900;font-size:.78rem;margin:0 0 .6rem}
.hero h1{color:var(--ink);font-size:clamp(2.35rem,5vw,4.7rem);letter-spacing:-.045em;line-height:1.02;max-width:1000px;margin:.15rem 0 1.1rem}
.lede{font-size:1.19rem;max-width:860px;color:#263746}
.meta{font-size:.86rem;color:#354757;margin-top:1rem}

/* Quick links */
.quick{background:var(--blue);color:#fff}
.quickgrid{display:grid;grid-template-columns:repeat(4,1fr)}
.quick a{color:#fff!important;text-decoration:none;padding:1rem;display:block;border-right:1px solid rgba(255,255,255,.6)}
.quick a:first-child{border-left:1px solid rgba(255,255,255,.6)}
.quick a:hover{background:var(--blue-dark);color:#fff!important}
.quick strong{display:block;color:#fff}
.quick span{display:block;font-size:.86rem;color:#fff;margin-top:.2rem}

/* Main content */
.section{padding:4rem 0;background:#fff;color:var(--ink)}
.section.alt{background:var(--pale);color:var(--ink)}
.section h2{color:var(--ink);font-size:clamp(1.9rem,3.5vw,3rem);letter-spacing:-.03em;line-height:1.1;margin:.1rem 0 .9rem}
.section h3{color:var(--ink);font-size:1.3rem;line-height:1.25}
.section p{max-width:830px}
.grid{display:grid;gap:1rem}
.grid.two{grid-template-columns:repeat(2,1fr)}
.grid.three{grid-template-columns:repeat(3,1fr)}
.card{border:1px solid var(--line);border-radius:var(--r);padding:1.25rem;background:#fff;color:var(--ink)}
.card h2,.card h3,.card h4,.card strong,.card b{color:var(--ink)}
.card p,.card li{color:#263746}
.card a{color:var(--blue-dark);font-weight:800}
.card a:hover{color:var(--blue-deep)}
.decision{border-left:6px solid var(--blue);background:#fff;color:var(--ink);padding:1rem 1.2rem;margin:1.5rem 0;max-width:850px}
.decision strong{color:var(--blue-dark)}
.facts{display:grid;grid-template-columns:repeat(4,1fr);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;margin:1.6rem 0;background:#fff;color:var(--ink)}
.fact{padding:1rem;border-right:1px solid var(--line);background:#fff;color:var(--ink)}
.fact:last-child{border-right:0}
.fact b{display:block;color:var(--blue-dark)}
.toc{border:1px solid var(--line);background:var(--off);color:var(--ink);padding:1rem 1.2rem;border-radius:var(--r);max-width:850px}
.toc b{display:block;margin-bottom:.5rem;color:var(--ink)}
.toc ul{margin:.2rem 0;padding-left:1.3rem;columns:2}
.toc a{color:var(--blue-dark)}
.prose h2{scroll-margin-top:75px}
.prose ul{max-width:830px}

/* Related-content band: dark surface, light cards with explicit dark text */
.related{background:var(--blue-dark);color:#fff}
.related h2,.related>div>h2,.related>.wrap>h2{color:#fff}
.related>div>p,.related>.wrap>p{color:#fff}
.related a:not(.card a){color:#fff}
.related .card{background:#fff;color:var(--ink);border-color:#71869a}
.related .card h2,.related .card h3,.related .card h4,.related .card strong,.related .card b{color:var(--ink)}
.related .card p,.related .card li{color:#263746}
.related .card a{color:var(--blue-dark)!important}
.related .card a:hover{color:var(--blue-deep)!important}

/* Direct offers */
.offers{background:#fff;color:var(--ink)}
.offerbox{display:grid;grid-template-columns:.9fr 1.1fr;gap:2rem;background:var(--pale);color:var(--ink);border:2px solid #8fa3b5;border-radius:var(--r);padding:1.4rem}
.offerbox h2,.offerbox h3,.offerbox p,.offerbox li{color:var(--ink)}
.offerlinks{display:grid;grid-template-columns:1fr 1fr;gap:.7rem}
.offerlinks a{display:block;background:#fff;color:var(--blue-dark)!important;border:1px solid #879bab;border-radius:8px;padding:.8rem;text-decoration:none;font-weight:800}
.offerlinks a:hover{background:#e6edf4;color:var(--blue-deep)!important}

/* FAQs and notices */
.faq details{border:1px solid var(--line);background:#fff;color:var(--ink);border-radius:9px;padding:.1rem 1rem;margin:.7rem 0;max-width:900px}
.faq summary{color:var(--ink);font-weight:800;cursor:pointer;padding:.9rem 2rem .9rem 0}
.faq p{color:#263746;padding:0 0 .9rem;margin:0}
.notice{background:#fff4db;color:#17130a;border:2px solid #765000;padding:1rem;border-radius:8px;max-width:850px}
.notice a{color:#402800}

/* Buttons */
.button{display:inline-block;background:var(--blue);color:#fff!important;text-decoration:none;font-weight:900;border:2px solid var(--blue-dark);border-radius:7px;padding:.7rem 1rem;margin:.25rem .5rem .25rem 0}
.button:hover{background:var(--blue-dark);color:#fff!important}
.button.secondary{background:#fff;color:var(--blue-dark)!important}
.button.secondary:hover{background:var(--pale);color:var(--blue-deep)!important}
.small{font-size:.86rem;color:#354757}

/* Footer */
.footer{background:var(--blue-deep);color:#fff;padding:3rem 0 1rem}
.footergrid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:2rem}
.footer h2,.footer h3,.footer strong,.footer .brand b{color:#fff}
.footer p,.footer li{color:#f1f5f8}
.footer a{color:#fff!important}
.footer a:hover{color:#fff!important;text-decoration-thickness:.16em}
.copy{border-top:1px solid #8092a3;margin-top:2rem;padding-top:1rem;font-size:.85rem;color:#fff}

@media(max-width:900px){
  body{font-size:16px}.topline{min-height:66px}.brand b{font-size:1.18rem}.brand span{display:none}.navin{overflow-x:auto}.nav details{position:static}.panel{position:absolute;left:1rem;right:1rem;min-width:0}.quickgrid{grid-template-columns:1fr 1fr}.grid.three{grid-template-columns:1fr 1fr}.facts{grid-template-columns:1fr 1fr}.fact:nth-child(2){border-right:0}.offerbox,.footergrid{grid-template-columns:1fr}
}
@media(max-width:600px){
  .wrap{width:min(calc(100% - 1.2rem),var(--max))}.cta{font-size:.82rem;padding:.55rem .65rem}.nav a,.nav summary{font-size:.9rem;padding:.65rem}.hero{padding:2.2rem 0}.hero h1{font-size:2.45rem}.lede{font-size:1.08rem}.quickgrid,.grid.two,.grid.three,.facts,.offerlinks{grid-template-columns:1fr}.quick a,.quick a:first-child{border-left:1px solid rgba(255,255,255,.6);border-bottom:1px solid rgba(255,255,255,.6)}.fact{border-right:0;border-bottom:1px solid var(--line)}.toc ul{columns:1}.section{padding:3rem 0}.offerbox{padding:1rem}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
@media print{.nav,.cta,.quick,.offers{display:none!important}body{font-size:12pt}.section{padding:1rem 0}}


/* Mobile-navigation and practical-information pass — 2026-09-06 */
.menu-toggle{display:none;background:var(--blue-dark);color:#fff;border:2px solid rgba(255,255,255,.8);border-radius:7px;font:inherit;font-weight:900;min-height:48px;padding:.55rem .8rem;cursor:pointer}
.menu-toggle .menu-icon{font-size:1.3rem;line-height:1;margin-right:.45rem}
.nav-shell{display:block}
.navin{width:100%}
.external-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.75rem;max-width:920px;margin:1.25rem 0}
.external-link{display:block;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--blue-dark)!important;padding:.85rem 1rem;text-decoration:none;font-weight:800;overflow-wrap:anywhere}
.external-link:hover{background:var(--pale);color:var(--blue-deep)!important}
.external-link small{display:block;color:#33404d;font-weight:400;line-height:1.4;margin-top:.2rem}
.practical{background:#f7f9fc;color:var(--ink);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.practical h2,.practical h3,.practical p,.practical li{color:var(--ink)}
.practical-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}
.practical-card{background:#fff;color:var(--ink);border:1px solid var(--line);border-radius:var(--r);padding:1.1rem;min-width:0}
.practical-card h3{margin-top:0;color:var(--ink)}
.practical-card p,.practical-card li{color:#263746}
.practical-card a{color:var(--blue-dark);font-weight:800;overflow-wrap:anywhere}
.phone{white-space:nowrap}
.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;max-width:100%;margin:1rem 0}
.practical-table{border-collapse:collapse;width:100%;min-width:540px;background:#fff}
.practical-table th,.practical-table td{border:1px solid var(--line);padding:.7rem;text-align:left;vertical-align:top;color:var(--ink)}
.practical-table th{background:var(--pale);color:var(--ink)}
.nowrap{white-space:nowrap}
.mobile-only{display:none}

@media(max-width:900px){
  .topline{align-items:center;min-height:64px}
  .topline .cta{white-space:nowrap}
  .nav{position:sticky;top:0}
  .nav-shell{padding:.35rem 0}
  .menu-toggle{display:flex;align-items:center;justify-content:center;width:100%}
  .navin{display:none;overflow:visible;flex-direction:column;align-items:stretch;padding-top:.35rem;max-height:calc(100vh - 74px);overflow-y:auto;overscroll-behavior:contain}
  .navin.is-open{display:flex}
  .nav a,.nav summary{width:100%;min-height:48px;padding:.72rem .85rem;border-top:1px solid rgba(255,255,255,.24)}
  .nav details{position:static;width:100%}
  .nav details[open]>summary{background:var(--blue-deep)}
  .panel{position:static;left:auto;right:auto;top:auto;min-width:0;width:100%;box-shadow:none;border:0;border-top:1px solid #6f8395;padding:.2rem;background:#fff}
  .panel a{min-height:46px;padding:.68rem 1.25rem;color:var(--ink)!important;border-top:0}
  .quickgrid{grid-template-columns:1fr 1fr}
  .practical-grid{grid-template-columns:1fr 1fr}
  .external-list{grid-template-columns:1fr}
}
@media(max-width:600px){
  body{overflow-x:hidden}
  .wrap{width:calc(100% - 1.1rem)}
  .topline{gap:.55rem}
  .brand{min-width:0}
  .brand b{display:block;font-size:1rem;letter-spacing:.01em;overflow-wrap:anywhere}
  .topline .cta{font-size:.72rem;line-height:1.15;padding:.5rem .55rem;max-width:42%;text-align:center}
  .hero{padding:1.8rem 0 1.6rem}
  .hero h1{font-size:clamp(2rem,11vw,2.7rem);overflow-wrap:anywhere}
  .lede{font-size:1.02rem}
  .quickgrid,.grid.two,.grid.three,.facts,.offerlinks,.practical-grid{grid-template-columns:1fr}
  .quick a{border-right:1px solid rgba(255,255,255,.6)}
  .section{padding:2.5rem 0}
  .section h2{font-size:clamp(1.7rem,8vw,2.25rem)}
  .section h3{font-size:1.18rem}
  .card,.practical-card{padding:1rem}
  .offerbox{gap:1rem}
  .footergrid{gap:1.2rem}
  .footer ul{padding-left:1.2rem}
  .button{width:100%;text-align:center;margin:.25rem 0}
  .external-link{padding:.8rem}
  .toc{padding:.9rem}
  .toc ul{padding-left:1.1rem}
}