:root{--navy:#0b1f3a;--navy2:#102a4c;--gold:#d4a72c;--gold2:#f0c75e;--ink:#1c2430;--mid:#5a6675;--line:#e1e6ec;--pale:#f4f6f9;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:'Poppins',system-ui,Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.6;font-size:16px}
a{color:var(--navy);text-decoration:none}a:hover{text-decoration:underline}
.wrap{max-width:1120px;margin:0 auto;padding:0 18px}
.topbar{position:sticky;top:0;z-index:50;background:var(--navy);color:#fff;box-shadow:0 2px 8px rgba(0,0,0,.25)}
.topbar .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:56px;flex-wrap:wrap}
.brand{font-weight:700;font-size:18px;color:#fff;letter-spacing:.2px}.brand span{color:var(--gold)}
.clock{font-size:13px;color:#cfd8e6}
nav.main{background:var(--navy2)}nav.main .wrap{display:flex;gap:4px;flex-wrap:wrap;padding:6px 18px}
nav.main a{color:#fff;font-size:14px;padding:6px 10px;border-radius:6px}nav.main a:hover{background:rgba(255,255,255,.12);text-decoration:none}
.hero{background:linear-gradient(120deg,#1a1f5c 0%,#3b2a7a 55%,#4b2f8f 100%);color:#fff;padding:54px 0 46px;position:relative;overflow:hidden}
.hero h1{margin:0 0 10px;font-size:clamp(26px,4.6vw,44px);line-height:1.15;font-weight:700}
.hero p{margin:0;max-width:820px;font-size:17px;color:#e6e3f5}
.gold-rule{height:4px;width:0;background:linear-gradient(90deg,var(--gold),var(--gold2));margin-top:22px;border-radius:2px;animation:grow 1.4s ease-out forwards}
@keyframes grow{to{width:180px}}
.crumbs{font-size:13px;color:var(--mid);padding:12px 0}.crumbs a{color:var(--mid)}
section{padding:30px 0}h2{font-size:22px;margin:0 0 14px;color:var(--navy);font-weight:600}h3{font-size:18px;margin:22px 0 10px;color:var(--navy);font-weight:600}
p{margin:0 0 12px}.lead{font-size:17px;max-width:860px}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px;margin:18px 0}
.steps div{background:linear-gradient(135deg,#fff8e3,#fff3cc);border:1px solid #f0d78a;border-radius:10px;padding:14px 16px}
.steps b{display:block;color:#7a5a08;font-size:15px}.steps span{font-size:14px;color:#4a4a4a}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:12px}
.card{display:block;background:var(--white);border:1px solid var(--line);border-radius:10px;padding:14px 16px;box-shadow:0 2px 6px rgba(16,42,76,.06);transition:transform .12s,box-shadow .12s}
.card:hover{transform:translateY(-2px);box-shadow:0 6px 16px rgba(16,42,76,.12);text-decoration:none}
.card b{display:block;font-size:15px;color:var(--navy)}.card small{color:var(--mid);font-size:13px}
.btns{display:flex;flex-wrap:wrap;gap:8px;margin:8px 0 14px}
.btn{display:inline-block;padding:9px 14px;border-radius:8px;font-size:14px;font-weight:500;line-height:1.3;color:#fff;background:var(--navy)}
.btn:hover{background:#163a66;text-decoration:none}.btn.gold{background:var(--gold);color:#1c1200}.btn.gold:hover{background:#c0961f}
.btn.outline{background:#fff;color:var(--navy);border:1px solid var(--navy)}
table{width:100%;border-collapse:collapse;font-size:14.5px;margin:10px 0 18px}th,td{text-align:left;padding:9px 10px;border-bottom:1px solid var(--line);vertical-align:top}th{background:var(--pale);color:var(--navy)}
.tbtn{display:inline-block;padding:5px 10px;border-radius:6px;font-size:13px;color:#fff;background:var(--navy);margin:2px 2px 2px 0;white-space:nowrap}.tbtn.gold{background:var(--gold);color:#1c1200}
.box{background:var(--pale);border-left:4px solid var(--gold);border-radius:8px;padding:14px 16px;margin:14px 0}
.note{font-size:13.5px;color:var(--mid)}
.verified{font-size:13px;color:#2a6b2a;font-weight:500;margin:4px 0 10px}
footer{background:var(--navy);color:#c9d3e0;padding:34px 0 26px;font-size:14px;margin-top:30px}
footer h4{color:#fff;margin:0 0 8px;font-size:15px}footer a{color:#e3ebf5}
.strip{margin:4px 0 8px;font-size:13.5px;line-height:1.8}.strip a{color:#e3ebf5}.strip b{color:#fff}
.fcols{display:grid;grid-template-columns:2fr 1fr;gap:26px}@media(max-width:760px){.fcols{grid-template-columns:1fr}}
.copy{border-top:1px solid rgba(255,255,255,.15);padding-top:12px;margin-top:12px;font-size:13px;color:#9fb0c6}