:root{--ink:#14243A;--muted:#55636F;--line:#D3DBD9;--teal:#1B6670;--teal-weak:#E3F0EE;--panel:#F5F8F7;--accent:#FF6B2C;--navy:#0B1A2B;color-scheme:light}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:#FFFFFF;color:var(--ink);font-family:Archivo,system-ui,-apple-system,"Segoe UI",sans-serif;font-size:17px;line-height:1.65}
a{color:var(--teal);text-underline-offset:3px}
a:hover{color:#0F4A51}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.top{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:5}
.top .wrap{display:flex;align-items:center;gap:20px;min-height:64px;flex-wrap:wrap}
.brand{font-weight:800;font-stretch:118%;font-size:20px;color:var(--ink);text-decoration:none;display:flex;align-items:center;gap:10px}
.brand svg{flex:none}
.nav{display:flex;gap:18px;flex-wrap:wrap;margin-left:auto;align-items:center}
.nav a{color:var(--ink);text-decoration:none;font-weight:600;font-size:15px;padding:8px 0}
.nav a:hover{color:var(--teal)}
.nav .cta{background:var(--teal);color:#fff;padding:9px 14px;border-radius:6px}
.nav .cta:hover{background:#155259;color:#fff}
.crumbs{font-size:14px;color:var(--muted);margin:22px 0 0}
.crumbs a{color:var(--muted)}
article,.page{max-width:760px}
h1{font-size:clamp(30px,4.2vw,44px);line-height:1.12;font-weight:800;font-stretch:115%;margin:14px 0 14px;text-wrap:balance}
h2{font-size:26px;line-height:1.2;font-weight:800;font-stretch:112%;margin:44px 0 10px;text-wrap:balance}
h3{font-size:19px;margin:28px 0 6px}
.lead{font-size:20px;line-height:1.55;color:var(--muted);margin:0 0 18px}
.meta{font-size:14px;color:var(--muted);margin-bottom:26px}
p,li{text-wrap:pretty}
ul,ol{padding-left:22px}
li{margin:6px 0}
.box{background:var(--panel);border:1px solid var(--line);border-radius:8px;padding:18px 20px;margin:22px 0}
.box h3{margin-top:0}
.key{border-left:4px solid var(--teal);background:var(--teal-weak)}
.tablewrap{overflow-x:auto;margin:18px 0;border:1px solid var(--line);border-radius:8px}
table{border-collapse:collapse;width:100%;font-size:15.5px;min-width:520px}
th,td{padding:10px 12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
th{background:var(--panel);font-weight:700}
td.r,th.r{text-align:right;white-space:nowrap}
tr.total td{font-weight:800;border-top:2px solid var(--ink)}
.cta-band{margin:44px 0;padding:26px 24px;border-radius:10px;background:var(--navy);color:#E8EEF2}
.cta-band h2{color:#fff;margin:0 0 8px;font-size:24px}
.cta-band p{margin:0 0 16px;color:#C9D6E3}
.btn{display:inline-block;background:#6FC2C8;color:#0B1A2B;font-weight:700;text-decoration:none;padding:12px 18px;border-radius:6px;margin:4px 8px 4px 0}
.btn:hover{background:#8fd3d8;color:#0B1A2B}
.btn.ghost{background:transparent;color:#fff;border:1px solid #93A3B4}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:16px;margin:24px 0}
.card{display:block;border:1px solid var(--line);border-radius:10px;padding:18px;text-decoration:none;color:var(--ink);background:#fff}
.card:hover{border-color:var(--teal);box-shadow:0 4px 18px rgba(20,36,58,.08)}
.card b{display:block;font-size:18px;margin-bottom:6px;line-height:1.3}
.card span{color:var(--muted);font-size:15px;line-height:1.5}
details{border-bottom:1px solid var(--line);padding:12px 0}
summary{font-weight:700;cursor:pointer;font-size:17.5px}
details p{margin:8px 0 0}
.note{font-size:14.5px;color:var(--muted)}
.foot{margin-top:60px;border-top:2px solid var(--ink);padding:26px 0 40px;font-size:14.5px;color:var(--muted)}
.foot .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:20px}
.foot b{color:var(--ink)}
.foot a{color:var(--teal)}
.foot ul{list-style:none;padding:0;margin:6px 0 0}
.foot li{margin:4px 0}
@media (max-width:640px){body{font-size:16.5px}.top{position:static}.top .wrap{gap:4px 12px;padding-top:8px;padding-bottom:8px}.nav{margin-left:0;gap:6px 12px}.nav a{font-size:14px;padding:6px 0}.nav .cta{padding:7px 10px}.lead{font-size:18px}h2{font-size:23px}}