:root{
  --ink:#10203a; --ink-soft:#41526b; --paper:#f4f7fb; --card:#ffffff;
  --navy:#0d2a55; --navy-2:#143c79; --gold:#e7b008; --gold-2:#f6cf45;
  --red:#c5132a; --line:#d9e2ef; --good:#1f8a4c;
  --shadow:0 10px 30px rgba(13,42,85,.10);
  --r:14px;
}
*{box-sizing:border-box}
html,body{width:100%;overflow-x:hidden}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);
  font-family:'Inter',system-ui,Arial,sans-serif;font-size:17px;line-height:1.68}
h1,h2,h3,.brand-logo,.foot-mark,.qv{font-family:'Sora','Inter',sans-serif}
.wrap{max-width:1080px;margin:0 auto;padding:0 22px}
a{color:var(--navy-2)}
img{max-width:100%;height:auto}
.skip{position:absolute;left:-999px}
.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:50;border-radius:8px}

.progress{position:fixed;top:0;left:0;height:3px;width:0;background:var(--gold);z-index:60}

/* header */
.site-head{position:sticky;top:0;z-index:40;background:var(--navy);
  box-shadow:0 2px 14px rgba(8,24,48,.22)}
.head-row{display:flex;align-items:center;gap:10px;min-height:64px;flex-wrap:nowrap}
.brand-logo{color:#fff;font-weight:800;font-size:1.18rem;text-decoration:none;letter-spacing:.2px;white-space:nowrap;flex:0 0 auto}
.brand-logo:hover{color:var(--gold-2)}
.nav-main{display:flex;flex-wrap:nowrap;gap:1px;margin-left:auto;align-items:center}
.nav-main a{color:#dce7f7;text-decoration:none;font-size:.8rem;font-weight:500;
  padding:6px 6px;border-radius:8px;white-space:nowrap}
.nav-main a:hover,.nav-main a[aria-current="page"]{background:rgba(255,255,255,.12);color:#fff}
.head-cta{margin-left:8px;flex:0 0 auto}
.burger{display:none;margin-left:auto;background:transparent;border:0;width:46px;height:46px;
  cursor:pointer;flex-direction:column;justify-content:center;gap:5px;padding:9px}
.burger span{height:3px;background:#fff;border-radius:3px;display:block}

/* buttons */
.btn{display:inline-block;text-decoration:none;font-weight:700;border-radius:11px;
  padding:11px 18px;transition:transform .08s ease, box-shadow .15s ease}
.btn-cta{background:linear-gradient(135deg,var(--gold),var(--gold-2));color:#27200a;
  box-shadow:0 6px 16px rgba(231,176,8,.34)}
.btn-cta:hover{transform:translateY(-1px);box-shadow:0 10px 22px rgba(231,176,8,.45)}
.head-cta .btn-cta{padding:8px 13px;font-size:.86rem;white-space:nowrap}
.btn-big{padding:15px 30px;font-size:1.08rem}

/* main — centered 1080px column identical to .wrap so the content lines up
   with the header/footer chrome at every viewport width; the 22px horizontal
   padding gives the side gutter (the measured-gutter audit checks the first
   child box left/right). */
main{display:block;max-width:1080px;margin:0 auto;padding:26px 22px 50px}
main>*{max-width:100%}
h1{font-size:2.05rem;line-height:1.18;margin:.2em 0 .5em}
h2{font-size:1.5rem;margin:1.7em 0 .55em;padding-bottom:.18em;border-bottom:2px solid var(--line)}
h3{font-size:1.18rem;margin:1.3em 0 .4em}
p{margin:0 0 1.05em}
.lede{font-size:1.18rem;color:var(--ink-soft);font-weight:500;border-left:4px solid var(--gold);
  padding-left:16px;margin-bottom:1.3em}

.crumbs{font-size:.86rem;color:var(--ink-soft);margin:2px 0 14px}
.crumbs a{color:var(--navy-2);text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.crumbs .sep{margin:0 7px;color:#9fb0c8}

/* hero image */
.hero-fig{margin:0 auto 1.6em;max-width:760px}
.hero-fig img{display:block;width:100%;border-radius:var(--r);box-shadow:var(--shadow)}
.cap{font-size:.85rem;color:var(--ink-soft);text-align:center;margin-top:.5em;font-style:italic}

/* quick box (home) */
.quick{margin:0 auto 1.4em;max-width:1080px}
.quick-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.qbox{background:var(--card);border:1px solid var(--line);border-radius:var(--r);
  padding:14px;box-shadow:var(--shadow);text-align:center}
.qk{display:block;font-size:.78rem;text-transform:uppercase;letter-spacing:.5px;color:var(--ink-soft)}
.qv{display:block;font-weight:800;font-size:1.18rem;color:var(--navy);margin-top:5px}

/* lists */
ul.ticks{list-style:none;padding:0;margin:0 0 1.2em}
ul.ticks li{position:relative;padding:9px 9px 9px 38px;margin-bottom:8px;background:var(--card);
  border:1px solid var(--line);border-radius:11px;box-shadow:0 3px 10px rgba(13,42,85,.05)}
ul.ticks li::before{content:"✓";position:absolute;left:13px;top:9px;color:var(--good);font-weight:800}
main ul:not(.ticks):not(.nf-nav),main ol{padding-left:1.3em;margin:0 0 1.2em}
main ul:not(.ticks) li,main ol li{margin-bottom:.4em}

/* tables */
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:0 0 1.3em;
  border-radius:var(--r);box-shadow:var(--shadow)}
table{border-collapse:collapse;width:100%;background:var(--card);min-width:480px}
th,td{padding:11px 14px;text-align:left;border-bottom:1px solid var(--line);font-size:.96rem}
thead th{background:var(--navy);color:#fff;font-family:'Sora',sans-serif}
tbody tr:nth-child(even){background:#f7fafe}

/* cta band */
.ctaband{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;
  border-radius:var(--r);padding:26px 24px;text-align:center;margin:1.8em auto;box-shadow:var(--shadow)}
.ctaband .muted{color:#c8d6ec;margin:.9em 0 0;font-size:.88rem}

.muted{color:var(--ink-soft);font-size:.95rem}

/* faq */
.faq{margin-top:2em}
.faq-item{background:var(--card);border:1px solid var(--line);border-radius:11px;
  margin-bottom:10px;overflow:hidden}
.faq-item summary{cursor:pointer;padding:15px 18px;font-weight:600;font-family:'Sora',sans-serif;
  list-style:none;position:relative;min-height:44px;display:flex;align-items:center}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";position:absolute;right:18px;color:var(--gold);font-weight:800;font-size:1.3rem}
.faq-item[open] summary::after{content:"–"}
.faq-a{padding:0 18px 15px}
.faq-a p{margin:0;color:var(--ink-soft)}

/* footer */
.site-foot{background:#0a1f3e;color:#cdd8ea;margin-top:40px;padding:34px 0 8px}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.4fr;gap:26px}
.foot-mark{font-weight:800;font-size:1.2rem;color:#fff;display:block;margin-bottom:8px}
.foot-col h3{font-size:.95rem;color:#fff;margin:0 0 10px;border:0}
.foot-col ul{list-style:none;padding:0;margin:0}
.foot-col li{margin-bottom:7px}
.foot-col a{color:#cdd8ea;text-decoration:none;font-size:.92rem}
.foot-col a:hover{color:var(--gold-2)}
.foot-rg .age{display:inline-block;background:var(--red);color:#fff;font-weight:800;
  border-radius:8px;padding:2px 9px;margin-bottom:8px}
.foot-rg .muted{color:#9fb0cd}
.foot-rg a{color:var(--gold-2)}
.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:24px;padding-top:14px}
.legal p{font-size:.82rem;color:#8aa0bf;margin:0}

/* back to top */
.totop{position:fixed;right:18px;bottom:18px;width:46px;height:46px;border-radius:50%;
  border:0;background:var(--navy);color:#fff;font-size:1.3rem;cursor:pointer;display:none;
  box-shadow:var(--shadow);z-index:35}
.totop.show{display:block}

/* 404 */
.notfound{text-align:center;padding:40px 22px 60px}
.nf-nav{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:8px;justify-content:center;margin-top:22px}
.nf-nav a{background:var(--card);border:1px solid var(--line);border-radius:9px;padding:8px 13px;
  text-decoration:none;font-size:.9rem}

@media(max-width:900px){
  .foot-grid{grid-template-columns:1fr 1fr}
  .quick-grid{grid-template-columns:repeat(2,1fr)}
}
/* Header collapses to the burger BEFORE the 9-link nav + CTA can clip at the
   right edge. Measured fit width for this label set is ~1030px (CTA still has
   +22px margin at 1050, overflows by 13px at 1000), so collapse at 1040px —
   narrower than that, show the burger (CTA is never half-hidden). Verified by
   mobile_audit.py at 1041/1280. */
@media(max-width:1040px){
  .head-cta{display:none}
  .burger{display:flex}
  .nav-main{display:none;position:absolute;top:64px;left:0;right:0;background:var(--navy-2);
    flex-direction:column;gap:0;padding:8px 14px 16px;box-shadow:0 14px 26px rgba(8,24,48,.4)}
  .nav-main.open{display:flex}
  .nav-main a{padding:12px 8px;border-radius:8px;font-size:1rem;width:100%}
}
@media(max-width:720px){
  body{font-size:16px}
  h1{font-size:1.55rem}
  h2{font-size:1.26rem}
  h3{font-size:1.1rem}
  .wrap{padding:0 22px}
  main{padding-left:22px;padding-right:22px}
  .quick-grid{grid-template-columns:1fr 1fr}
  .foot-grid{grid-template-columns:1fr;gap:20px}
}