:root{--navy:#0D2B5B;--royal:#1B4E9B;--kelly:#37A93C;--lime:#9BCA3C;--ink:#14213D;--muted:#5B6B85;--paper:#F3F6FA;--line:#DCE4EF;--w:1160px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Poppins,'Segoe UI',Arial,sans-serif;color:var(--ink);background:#fff;font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:var(--royal)}img{max-width:100%;display:block}
.wrap{max-width:var(--w);margin:0 auto;padding:0 22px}
.btn{display:inline-block;padding:12px 24px;border-radius:999px;font-weight:600;font-size:15px;text-decoration:none;border:0;cursor:pointer;font-family:inherit;line-height:1.2}
.btn-green{background:linear-gradient(90deg,var(--kelly),var(--lime));color:#fff}.btn-green:hover{filter:brightness(1.05)}
.btn:focus-visible,a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid var(--lime);outline-offset:2px}
.util{background:var(--navy);color:#fff;font-size:14px;padding:8px 0}.util .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}.util a{color:#fff;font-weight:600;text-decoration:none}
header.site{position:sticky;top:0;z-index:20;background:#fff;border-bottom:1px solid var(--line)}header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;height:68px}
.logo{display:block;line-height:0}.logo img{height:40px;width:auto}@media(max-width:700px){.logo img{height:32px}}
nav.main{display:flex;align-items:center;gap:22px}nav.main a{color:var(--ink);text-decoration:none;font-weight:500}nav.main a:hover{color:var(--royal)}@media(max-width:700px){nav.main a.plain{display:none}}
.hero{background:linear-gradient(180deg,#fff 0%,var(--paper) 100%);padding:52px 0 40px}.hero h1{margin:0 0 8px;font-size:clamp(30px,4.4vw,44px);font-weight:700;color:var(--navy);line-height:1.15;letter-spacing:-.01em}
.hero .meta{color:var(--muted);font-size:14px;margin:0}.hero .sum{max-width:70ch;font-size:17px;color:var(--muted);margin:16px 0 0}
main{padding:44px 0 72px}.doc{display:grid;grid-template-columns:240px 1fr;gap:48px;align-items:start}@media(max-width:900px){.doc{grid-template-columns:1fr}}
.toc{position:sticky;top:88px;background:var(--paper);border-radius:16px;padding:18px 20px;font-size:14px}.toc b{display:block;color:var(--navy);margin-bottom:8px}.toc ol{margin:0;padding-left:18px}.toc li{margin:5px 0}.toc a{text-decoration:none;color:var(--ink)}.toc a:hover{color:var(--royal)}
@media(max-width:900px){.toc{position:static}}
.body{max-width:76ch}.body h2{font-size:24px;font-weight:600;color:var(--navy);margin:38px 0 12px;line-height:1.2;scroll-margin-top:90px}.body h2:first-child{margin-top:0}.body h3{font-size:18px;font-weight:600;color:var(--navy);margin:24px 0 8px}
.body p{margin:0 0 14px}.body ul,.body ol{margin:0 0 16px;padding-left:22px}.body li{margin:6px 0}
.body table{border-collapse:collapse;width:100%;font-size:14.5px;margin:12px 0 20px}.body th,.body td{text-align:left;vertical-align:top;padding:10px 12px;border-top:1px solid var(--line)}.body th{color:var(--muted);font-weight:600;font-size:13px;text-transform:uppercase;letter-spacing:.06em;border-top:0}
.callout{background:var(--paper);border-left:4px solid var(--kelly);border-radius:0 14px 14px 0;padding:16px 18px;margin:18px 0}.callout p:last-child{margin:0}
.quote{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 18px;margin:12px 0 18px;font-size:14.5px}.quote .v{color:var(--muted);font-size:12px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;margin-bottom:6px}
.formcard{background:var(--paper);border-radius:20px;padding:24px;margin:18px 0}.row{display:grid;grid-template-columns:1fr 1fr;gap:12px}@media(max-width:560px){.row{grid-template-columns:1fr}}
label{display:block;font-size:13px;font-weight:500;color:var(--muted);margin:10px 0 5px}input,select,textarea{width:100%;padding:12px 13px;border:1px solid var(--line);border-radius:12px;background:#fff;font:inherit;font-size:15px;color:var(--ink)}textarea{min-height:100px;resize:vertical}
.check{display:grid;grid-template-columns:22px 1fr;gap:9px;align-items:start;font-size:13.5px;color:var(--muted);font-weight:400;margin:12px 0 0}.check input{width:18px;height:18px;margin:2px 0 0;padding:0}
.hp{position:absolute;left:-9999px;top:-9999px;height:0;width:0;opacity:0}.err{color:#C8392B;font-size:14px;margin:10px 0 0}.ok{background:#fff;border:1px solid var(--kelly);border-radius:16px;padding:20px}
footer{background:var(--navy);color:#C9D6EA;padding:44px 0 30px;font-size:13.5px}footer .links{display:flex;flex-wrap:wrap;gap:6px 18px;margin-bottom:18px}footer a{color:#fff;text-decoration:none}footer a:hover{color:var(--lime)}
footer .disc{max-width:100ch;line-height:1.6;margin:0 0 18px}footer .disc b{color:#fff}footer .bottom{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;border-top:1px solid rgba(255,255,255,.14);padding-top:18px}