:root{
  --brand-navy:#112c50; --brand-blue:#075dc7; --brand-cobalt:#004dff; --brand-sky:#eaf4ff;
  --brand-gold:#f4b72a; --ink:#10233f; --muted:#63728a; --line:#dce7f4; --surface:#fff;
  --soft:#f5f9ff; --success:#18805c; --warning:#a56b00; --danger:#b64242;
  --shadow:0 18px 50px rgba(17,44,80,.10); --shadow-sm:0 8px 24px rgba(17,44,80,.08);
  --radius:22px; --radius-sm:14px; --max:1200px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:linear-gradient(180deg,#f4f9ff 0,#fff 36%,#f7fbff 100%);line-height:1.65}
a{color:var(--brand-blue);text-decoration:none} a:hover{text-decoration:underline}
img{max-width:100%;display:block} button,input,select,textarea{font:inherit}
.skip-link{position:absolute;left:-9999px;top:8px;background:#fff;color:var(--brand-navy);padding:10px 14px;border-radius:10px;z-index:999}.skip-link:focus{left:12px}
.topbar{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.95);backdrop-filter:blur(14px);border-bottom:1px solid rgba(17,44,80,.08);box-shadow:0 10px 30px rgba(17,44,80,.06)}
.header-inner{max-width:var(--max);margin:auto;padding:13px 24px;display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:18px}
.brand{display:flex;align-items:center;gap:14px;min-width:240px}.brand img{width:236px;height:auto}.brand-copy{display:none}.header-right{display:flex;align-items:center;gap:12px;justify-self:end}
.nav{display:flex;align-items:center;gap:6px;flex-wrap:wrap;justify-content:flex-end}.nav a{padding:9px 11px;border-radius:10px;color:#233b5d;font-size:.93rem;font-weight:650;text-decoration:none}.nav a:hover,.nav a[aria-current="page"]{background:var(--brand-sky);color:var(--brand-blue)}
.menu-btn{display:none;border:1px solid var(--line);background:#fff;border-radius:11px;padding:9px 12px;color:var(--brand-navy);font-weight:800}
main{min-height:70vh}.container{max-width:var(--max);margin:auto;padding:0 24px}.section{padding:74px 0}.section.compact{padding:48px 0}
.hero{overflow:hidden;position:relative;padding:68px 0 55px;background:radial-gradient(circle at 78% 18%,rgba(11,108,255,.18),transparent 32%),radial-gradient(circle at 20% 0,rgba(244,183,42,.12),transparent 25%),linear-gradient(135deg,#edf6ff 0%,#fff 55%,#f4f8ff 100%);border-bottom:1px solid var(--line)}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;align-items:center;gap:50px}.eyebrow{display:inline-flex;align-items:center;gap:8px;padding:7px 11px;border:1px solid #cfe1f7;background:rgba(255,255,255,.8);border-radius:999px;color:var(--brand-blue);font-size:.82rem;font-weight:800;letter-spacing:.02em;text-transform:uppercase}
.hero h1,.page-hero h1{font-size:clamp(2.2rem,5vw,4.6rem);line-height:1.02;letter-spacing:-.045em;margin:18px 0 20px;color:var(--brand-navy)}.hero h1 span,.page-hero h1 span{color:var(--brand-blue)}
.hero p,.page-hero p{font-size:1.1rem;color:#4c607a;max-width:720px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;border:0;border-radius:13px;padding:13px 17px;font-weight:800;cursor:pointer;text-decoration:none;transition:.2s transform,.2s box-shadow,.2s background}.btn:hover{text-decoration:none;transform:translateY(-1px)}.btn-primary{background:linear-gradient(135deg,var(--brand-blue),var(--brand-cobalt));color:#fff;box-shadow:0 10px 25px rgba(7,93,199,.24)}.btn-secondary{background:#fff;border:1px solid var(--line);color:var(--brand-navy);box-shadow:var(--shadow-sm)}.btn-soft{background:var(--brand-sky);color:var(--brand-blue)}
.hero-art{background:rgba(255,255,255,.62);border:1px solid rgba(158,191,229,.45);box-shadow:var(--shadow);border-radius:28px;padding:16px}.hero-art img{width:100%;aspect-ratio:1.22/1;object-fit:cover;border-radius:18px}
.trust-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px}.trust-pill{display:flex;align-items:center;gap:7px;padding:8px 10px;background:#fff;border:1px solid var(--line);border-radius:999px;color:#50617a;font-size:.88rem}.dot{width:8px;height:8px;border-radius:999px;background:var(--success)}
.section-head{display:flex;gap:24px;align-items:end;justify-content:space-between;margin-bottom:28px}.section-head h2{margin:0;color:var(--brand-navy);font-size:clamp(1.65rem,3vw,2.5rem);letter-spacing:-.025em}.section-head p{max-width:660px;margin:8px 0 0;color:var(--muted)}
.grid{display:grid;gap:18px}.grid-5{grid-template-columns:repeat(5,1fr)}.grid-4{grid-template-columns:repeat(4,1fr)}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow-sm)}.card h3{margin:10px 0 8px;color:var(--brand-navy);font-size:1.12rem}.card p{margin:0;color:var(--muted);font-size:.96rem}.card.link-card{position:relative;transition:.2s transform,.2s box-shadow,.2s border}.card.link-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#bfd6ef}.card.link-card a.stretched:after{content:"";position:absolute;inset:0}.card .arrow{margin-top:20px;color:var(--brand-blue);font-weight:800}
.iconbox{width:48px;height:48px;border-radius:15px;display:grid;place-items:center;background:linear-gradient(135deg,#e7f2ff,#f9fbff);border:1px solid #d5e6fa;color:var(--brand-blue)}.iconbox svg{width:24px;height:24px}.iconbox.gold{background:#fff8e5;border-color:#f7e0a0;color:#8e6300}.iconbox.green{background:#eaf9f3;border-color:#c4eadb;color:#137658}
.privacy-banner{border-radius:24px;background:linear-gradient(125deg,var(--brand-navy),#164d87 62%,#0b6cff);color:#fff;padding:34px;display:grid;grid-template-columns:1fr auto;align-items:center;gap:26px;box-shadow:var(--shadow)}.privacy-banner h2{margin:0 0 8px;font-size:1.7rem}.privacy-banner p{margin:0;color:#dceaff;max-width:760px}.privacy-banner .btn{background:#fff;color:var(--brand-navy)}
.notice{display:flex;gap:13px;align-items:flex-start;padding:16px 18px;border-radius:14px;border:1px solid #cfe1f7;background:#f4f9ff;color:#334a69}.notice strong{color:var(--brand-navy)}.notice.warning{background:#fff9eb;border-color:#f1dca2;color:#705617}.notice.success{background:#f0fbf7;border-color:#c8eadc;color:#215f4e}
.page-hero{padding:50px 0 30px;background:radial-gradient(circle at 20% 10%,rgba(244,183,42,.10),transparent 22%),linear-gradient(135deg,#edf6ff,#fff 58%);border-bottom:1px solid var(--line)}.page-hero-grid{display:grid;grid-template-columns:1fr 360px;gap:45px;align-items:center}.page-hero h1{font-size:clamp(2rem,4vw,3.7rem)}.page-hero .hero-art{box-shadow:none}
.doc-layout{display:grid;grid-template-columns:280px minmax(0,1fr);gap:28px;align-items:start}.toc{position:sticky;top:92px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px;box-shadow:var(--shadow-sm)}.toc h2{font-size:1rem;margin:0 0 10px;color:var(--brand-navy)}.toc a{display:block;padding:8px 10px;border-radius:9px;color:#52657f;font-size:.9rem;text-decoration:none}.toc a:hover{background:var(--brand-sky);color:var(--brand-blue)}
.prose{background:#fff;border:1px solid var(--line);border-radius:22px;padding:clamp(24px,4vw,46px);box-shadow:var(--shadow-sm)}.prose h2{margin:42px 0 16px;color:var(--brand-navy);font-size:1.65rem;letter-spacing:-.02em;scroll-margin-top:95px}.prose h2:first-of-type{margin-top:0}.prose h3{margin:27px 0 10px;color:#173d69}.prose p{color:#344a68}.prose ul,.prose ol{padding-left:22px}.prose li{margin:7px 0;color:#344a68}.prose table{width:100%;border-collapse:separate;border-spacing:0;margin:20px 0;border:1px solid var(--line);border-radius:14px;overflow:hidden;font-size:.94rem}.prose th,.prose td{text-align:left;padding:13px 14px;border-bottom:1px solid var(--line);vertical-align:top}.prose th{background:#eef6ff;color:var(--brand-navy)}.prose tr:last-child td{border-bottom:0}.prose blockquote{margin:22px 0;padding:18px 20px;background:#f5f9ff;border-left:4px solid var(--brand-blue);border-radius:0 14px 14px 0;color:#425874}.meta-line{display:flex;gap:10px;flex-wrap:wrap;color:var(--muted);font-size:.9rem;margin-top:16px}.meta-chip{background:#fff;border:1px solid var(--line);padding:6px 9px;border-radius:999px}
.rights-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:20px 0}.right{border:1px solid var(--line);border-radius:15px;padding:16px;background:#fbfdff}.right strong{display:block;color:var(--brand-navy);margin-bottom:4px}.right span{font-size:.9rem;color:var(--muted)}
.callout{margin:24px 0;border:1px solid #cfe1f7;background:linear-gradient(135deg,#f2f8ff,#fff);padding:20px;border-radius:16px}.callout h3{margin:0 0 8px}.callout p:last-child{margin-bottom:0}.media-block{margin:26px 0 28px;border:1px solid var(--line);border-radius:22px;padding:16px;background:linear-gradient(135deg,#f7fbff,#fff)}.media-block img{width:100%;border-radius:16px;border:1px solid #dce7f4;box-shadow:var(--shadow-sm)}.media-block figcaption{padding:12px 8px 4px;color:var(--muted);font-size:.93rem}.media-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin:24px 0}.media-card{border:1px solid var(--line);border-radius:20px;padding:14px;background:#fff;box-shadow:var(--shadow-sm)}.media-card img{width:100%;border-radius:14px;border:1px solid #dce7f4}.media-card h3{margin:12px 0 6px;font-size:1.02rem}.media-card p{margin:0;color:var(--muted)}
.form-gate{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:22px}.form-option{border:1px solid var(--line);border-radius:18px;padding:22px;background:#fff}.form-option h3{margin-top:0}.form-shell{margin-top:20px;border:1px solid var(--line);border-radius:18px;overflow:hidden;background:#f8fbff;min-height:280px}.form-shell iframe{width:100%;height:1600px;border:0;background:#fff}.form-placeholder{min-height:280px;display:grid;place-items:center;text-align:center;padding:35px}.form-placeholder .inner{max-width:600px}.form-placeholder h3{color:var(--brand-navy)}
.report-stat{padding:22px;border-radius:18px;background:#fff;border:1px solid var(--line)}.report-stat b{display:block;font-size:2rem;color:var(--brand-blue)}.report-stat span{color:var(--muted)}
.status{display:inline-flex;align-items:center;gap:6px;border-radius:999px;padding:5px 9px;background:#eaf9f3;color:#126a4e;font-size:.82rem;font-weight:800}.status::before{content:"";width:7px;height:7px;border-radius:999px;background:#20a97c}
.footer{margin-top:70px;background:var(--brand-navy);color:#d9e7f7}.footer-inner{max-width:var(--max);margin:auto;padding:42px 24px 24px;display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:30px}.footer img{width:230px;filter:brightness(0) invert(1);opacity:.98}.footer h3{color:#fff;margin-top:0}.footer a{color:#dbe9f7}.footer p{color:#bdcde1}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);max-width:var(--max);margin:auto;padding:18px 24px 28px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;color:#aebfd4;font-size:.88rem}
.mobile-only{display:none}
@media(max-width:980px){.header-inner{grid-template-columns:1fr auto}.header-right{gap:10px}.nav{display:none;position:absolute;left:20px;right:20px;top:84px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:16px;padding:10px;flex-direction:column;align-items:stretch}.nav.open{display:flex}.nav a{padding:11px 13px}.menu-btn{display:block}.hero-grid,.page-hero-grid{grid-template-columns:1fr}.hero-art{max-width:680px;margin:auto}.page-hero .hero-art{max-width:520px}.grid-5{grid-template-columns:repeat(2,1fr)}.grid-4{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:repeat(2,1fr)}.doc-layout{grid-template-columns:1fr}.toc{position:relative;top:auto}.rights-grid{grid-template-columns:repeat(2,1fr)}.footer-inner{grid-template-columns:1fr 1fr}.footer-inner>div:first-child{grid-column:1/-1}}
@media(max-width:660px){.header-inner{padding:11px 16px;grid-template-columns:1fr}.header-right{justify-content:flex-end;flex-wrap:wrap}.brand{min-width:0}.brand img{width:205px}.container{padding:0 16px}.hero{padding:46px 0 38px}.hero-grid{gap:30px}.section{padding:52px 0}.grid-5,.grid-4,.grid-3,.grid-2,.rights-grid,.form-gate,.media-grid{grid-template-columns:1fr}.privacy-banner{grid-template-columns:1fr;padding:25px}.page-hero{padding:38px 0 24px}.page-hero-grid{gap:24px}.prose{padding:22px 18px}.prose table{display:block;overflow-x:auto;white-space:normal}.footer-inner{grid-template-columns:1fr}.footer-inner>div:first-child{grid-column:auto}.footer-bottom{flex-direction:column}.form-shell iframe{height:2050px}}
@media print{.topbar,.toc,.hero-actions,.footer,.menu-btn,.privacy-banner{display:none!important}.page-hero{padding:0 0 18px;background:#fff}.page-hero-grid{grid-template-columns:1fr}.page-hero .hero-art{display:none}.section{padding:18px 0}.doc-layout{display:block}.prose{border:0;box-shadow:none;padding:0}.container{max-width:none;padding:0 12mm}body{background:#fff;color:#000}.prose p,.prose li{color:#111}a{color:#000;text-decoration:none}.page-hero h1{font-size:28pt}}

:focus-visible{outline:3px solid var(--brand-gold);outline-offset:3px}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition:none!important;animation:none!important}}