:root{--navy:#07111f;--navy2:#0c1b2d;--red:#0f7a4d;--red2:#17a566;--ink:#172231;--muted:#5b6b7d;--bg:#f5f7fa;--white:#fff;--line:#dfe5ec;--shadow:0 18px 45px rgba(7,17,31,.10);--radius:18px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--bg);line-height:1.65}
img{max-width:100%;height:auto}a{color:var(--red)}
.topbar{background:var(--red);color:#fff;text-align:center;font-size:13px;font-weight:700;padding:8px 16px}
header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:20;border-bottom:1px solid rgba(255,255,255,.1)}
.nav{max-width:1180px;margin:auto;min-height:76px;display:flex;align-items:center;gap:28px;padding:0 22px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;font-weight:900;letter-spacing:-.02em;font-size:20px;white-space:nowrap;color:#fff}
.mark{width:34px;height:34px;border-radius:9px;background:var(--red);display:grid;place-items:center;font-weight:900;box-shadow:0 7px 20px rgba(15,122,77,.3)}
nav{margin-left:auto;display:flex;gap:22px;align-items:center;font-size:14px;font-weight:700}
nav a{text-decoration:none;color:#dbe5ef}nav a:hover{color:#fff}
.official{border:1px solid rgba(255,255,255,.25);padding:10px 14px;border-radius:10px}
.menu-btn{display:none;margin-left:auto;background:none;border:1px solid rgba(255,255,255,.3);color:#fff;border-radius:10px;padding:9px 13px;font-size:18px;cursor:pointer}
.crumbs{max-width:1180px;margin:0 auto;padding:16px 22px 0;font-size:13px;color:var(--muted)}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:8px;margin:0;padding:0}
.crumbs li+li:before{content:"›";margin-right:8px;color:#aab6c3}
.crumbs a{color:var(--muted);text-decoration:none}.crumbs a:hover{color:var(--red)}
.crumbs [aria-current]{color:var(--ink);font-weight:700}
.hero{background:linear-gradient(135deg,var(--navy) 0%,#102944 65%,#162e48 100%);color:#fff}
.hero-inner{max-width:1180px;margin:auto;padding:82px 22px 72px;display:grid;grid-template-columns:1.25fr .75fr;gap:55px;align-items:center}
.hero.compact .hero-inner{padding:56px 22px 52px;display:block}
.eyebrow{color:#a9e8ca;font-size:13px;font-weight:900;letter-spacing:.13em;text-transform:uppercase}
h1{font-size:clamp(34px,5.4vw,62px);line-height:1.05;letter-spacing:-.05em;margin:16px 0 22px;max-width:850px}
.hero.compact h1{font-size:clamp(30px,4.6vw,52px)}
h2{font-size:clamp(26px,3vw,34px);line-height:1.15;letter-spacing:-.03em;margin:0 0 12px}
h3{font-size:20px;margin:0 0 10px}.lead{font-size:19px;color:#d9e3ed;max-width:720px}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}.btn{display:inline-block;text-decoration:none;padding:13px 18px;border-radius:11px;font-weight:850}
.btn-red{background:var(--red);color:#fff}.btn-red:hover{background:var(--red2)}
.btn-light{background:#fff;color:var(--navy)}
.trust{background:#fff;color:var(--ink);border-radius:20px;padding:24px;box-shadow:var(--shadow)}.trust h3{margin:0 0 15px}.trust ul{list-style:none;margin:0;padding:0}.trust li{padding:10px 0;border-bottom:1px solid var(--line)}.trust li:last-child{border:0}
.section{max-width:1180px;margin:auto;padding:68px 22px}.section-head{max-width:760px;margin-bottom:30px}.muted{color:var(--muted)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:25px;box-shadow:0 8px 25px rgba(7,17,31,.04)}
.card h3{margin:8px 0}.card p{color:var(--muted);margin-bottom:0}.icon{font-size:25px}.card a{display:inline-block;margin-top:16px;color:var(--red);font-weight:800;text-decoration:none}
.security{background:#fff}.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}.step{background:var(--navy);color:#fff;border-radius:15px;padding:20px}.step b{display:block;color:#9fe3c2;font-size:12px;letter-spacing:.1em;margin-bottom:10px}
.notice{background:#effaf4;border:1px solid #b7e2cd;border-left:5px solid var(--red);border-radius:14px;padding:20px 22px;margin:25px 0}.notice strong{display:block;margin-bottom:5px}
.tip{background:#eef6ee;border:1px solid #bfe0bf;border-left:5px solid #2e7d32;border-radius:14px;padding:20px 22px;margin:25px 0}
.prose{max-width:820px;font-size:17px}.prose p{margin:0 0 18px}.prose h2{margin-top:44px}.prose h3{margin-top:32px}
.prose ul,.prose ol{padding-left:24px;margin:0 0 18px}.prose li{margin-bottom:8px}
.prose table{width:100%;border-collapse:collapse;margin:0 0 24px;font-size:15px}
.prose th{background:var(--navy);color:#fff;text-align:left;padding:11px 14px}.prose td{padding:11px 14px;border-bottom:1px solid var(--line);vertical-align:top}
.prose tr:nth-child(even) td{background:#fff}
.kicker{display:inline-block;background:var(--red);color:#fff;font-size:12px;font-weight:900;letter-spacing:.1em;text-transform:uppercase;padding:6px 12px;border-radius:8px;margin-bottom:14px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;margin-bottom:12px;box-shadow:0 4px 14px rgba(7,17,31,.04)}
.faq summary{cursor:pointer;padding:18px 22px;font-weight:800;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:20px;color:var(--red);font-size:22px;font-weight:900}
.faq details[open] summary:after{content:"–"}
.faq details[open] summary{border-bottom:1px solid var(--line)}
.faq .a{padding:16px 22px;color:var(--muted)}
.sources{background:var(--navy2);color:#fff}.sources .muted{color:#bdc9d6}.source-list{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.source-list a{background:rgba(255,255,255,.06);padding:18px;border-radius:13px;text-decoration:none;border:1px solid rgba(255,255,255,.1);color:#fff}.source-list span{display:block;font-size:12px;color:#aebdcd;margin-top:5px}
.toc{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px 26px;margin:0 0 36px;box-shadow:0 8px 25px rgba(7,17,31,.04)}
.toc strong{display:block;margin-bottom:10px}.toc ol{margin:0;padding-left:20px}.toc li{margin-bottom:6px}.toc a{color:var(--ink);text-decoration:none}.toc a:hover{color:var(--red)}
.pager{display:flex;justify-content:space-between;gap:14px;margin-top:56px;flex-wrap:wrap}
.pager a{background:#fff;border:1px solid var(--line);border-radius:13px;padding:14px 18px;text-decoration:none;color:var(--ink);font-weight:800;max-width:48%}
.pager a span{display:block;font-size:12px;color:var(--muted);font-weight:600}
.pager a:hover{border-color:var(--red)}
footer{background:#050b13;color:#c5d0dc}.footer{max-width:1180px;margin:auto;padding:48px 22px 25px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:30px}.footer h3{color:#fff;margin-top:0}.footer a{text-decoration:none;color:#c5d0dc;display:block;margin:7px 0;font-size:14px}.footer a:hover{color:#fff}
.disclaimer{margin-top:35px;padding:20px;border:1px solid #263646;border-radius:14px;font-size:13px}
.copyright{border-top:1px solid #1b2938;margin-top:28px;padding-top:18px;font-size:12px;color:#8ea0b3}
.to-top{position:fixed;right:22px;bottom:22px;width:46px;height:46px;border-radius:50%;background:var(--red);color:#fff;border:0;font-size:20px;cursor:pointer;opacity:0;pointer-events:none;transition:.25s;z-index:30;box-shadow:var(--shadow)}
.to-top.show{opacity:1;pointer-events:auto}
@media(max-width:850px){nav{display:none;position:absolute;top:76px;left:0;right:0;background:var(--navy);flex-direction:column;align-items:flex-start;padding:18px 22px 26px;gap:16px;border-bottom:1px solid rgba(255,255,255,.1)}nav.open{display:flex}.menu-btn{display:block}.hero-inner{grid-template-columns:1fr}.grid{grid-template-columns:1fr 1fr}.steps{grid-template-columns:1fr 1fr}.source-list{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.grid,.source-list,.footer-grid{grid-template-columns:1fr}.steps{grid-template-columns:1fr}.nav{min-height:64px}.hero-inner{padding-top:58px}.section{padding-top:48px}.trust{padding:19px}.pager a{max-width:100%}}