:root{--navy:#071d35;--blue:#0a69a8;--green:#087a60;--ink:#17354d;--muted:#587084;--line:#d9e6ef;--soft:#f2f7fb}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#f7fafc;color:var(--ink);font-family:Arial,"Helvetica Neue",sans-serif;line-height:1.72}a{color:inherit}.top{background:var(--navy);color:#fff}.nav{width:min(1080px,calc(100% - 32px));margin:auto;padding:17px 0;display:flex;align-items:center;justify-content:space-between;gap:22px}.brand{text-decoration:none;font-size:1.15rem;font-weight:900}.brand small{display:block;color:#8fd8ff;font-size:.66rem;letter-spacing:.12em}.nav nav{display:flex;flex-wrap:wrap;gap:16px}.nav nav a{color:#d8ebf8;text-decoration:none;font-size:.88rem;font-weight:700}.hero{width:min(1080px,calc(100% - 32px));margin:auto;padding:68px 0 62px;display:grid;grid-template-columns:1.25fr .75fr;gap:48px;align-items:center}.eyebrow{color:#7dd3fc;font-size:.78rem;font-weight:900;letter-spacing:.1em}.hero h1{margin:9px 0 14px;font-size:clamp(2.25rem,5vw,4rem);line-height:1.08;letter-spacing:-.04em}.hero p{margin:0;color:#d0dfeb;font-size:1.08rem}.hero-card{padding:25px;border:1px solid #27516f;border-radius:22px;background:#0d2d49}.hero-card strong{display:block;font-size:1.2rem}.hero-card ul{padding-left:20px;margin:12px 0 0;color:#d7e8f4}.cta{display:inline-block;margin-top:24px;padding:13px 19px;border-radius:12px;background:#11a37f;color:#fff;text-decoration:none;font-weight:900}.wrap{width:min(960px,calc(100% - 32px));margin:auto;padding:48px 0 70px}.toc,.panel{margin-bottom:24px;padding:24px;border:1px solid var(--line);border-radius:20px;background:#fff;box-shadow:0 10px 28px rgba(7,29,53,.06)}.toc strong{display:block;margin-bottom:9px}.toc a{margin-right:15px;color:var(--blue);font-weight:700}h2{margin:42px 0 12px;color:#082a47;font-size:1.75rem;line-height:1.25}h3{margin:25px 0 8px;color:#0a466f;font-size:1.2rem}p{font-size:1rem}.checklist{padding:0;list-style:none}.checklist li{margin:9px 0;padding-left:31px;position:relative}.checklist li:before{content:"✓";position:absolute;left:0;top:1px;width:21px;height:21px;border-radius:50%;background:#dff5ee;color:var(--green);display:grid;place-items:center;font-size:.76rem;font-weight:900}.grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.card{padding:21px;border:1px solid var(--line);border-radius:17px;background:#fff}.card h3{margin-top:0}.note{padding:17px 20px;border-left:4px solid #e3a008;border-radius:0 12px 12px 0;background:#fff7d9}.related{margin-top:50px;padding:27px;border-radius:22px;background:var(--navy);color:#fff}.related h2{margin-top:0;color:#fff}.related-grid{display:flex;flex-wrap:wrap;gap:10px}.related a{padding:10px 13px;border:1px solid #315978;border-radius:10px;color:#d9edfa;text-decoration:none;font-weight:700}footer{padding:28px 16px;background:#041424;color:#9eb5c6;text-align:center;font-size:.86rem}footer a{color:#d5eaf7}@media(max-width:740px){.nav{align-items:flex-start}.nav nav{justify-content:flex-end;gap:9px}.nav nav a{font-size:.76rem}.hero{grid-template-columns:1fr;padding:48px 0}.hero-card{display:none}.grid{grid-template-columns:1fr}.wrap{padding-top:32px}.toc a{display:block;margin:5px 0}}