:root{--navy:#0b2239;--navy2:#12304d;--gold:#c9a24d;--teal:#1f6b69;--ink:#1b2a38;--muted:#4f5d69;--line:#dbe3e9;--mist:#f4f7f9}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;background:#fff}
h1,h2,h3{font-family:"Iowan Old Style","Palatino Linotype",Palatino,Georgia,serif;line-height:1.18;margin:0 0 .6em;color:var(--navy);font-weight:700}
h1{font-size:clamp(2.2rem,5vw,3.7rem)}h2{font-size:clamp(1.65rem,3vw,2.3rem)}h3{font-size:1.2rem}p,ul{margin:0 0 1em}a{color:var(--teal)}
.wrap{max-width:1140px;margin:auto;padding:0 22px}.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:10px;z-index:99}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
header{position:sticky;top:0;z-index:20;background:#fff;border-bottom:1px solid var(--line)}.bar{display:flex;align-items:center;justify-content:space-between;min-height:74px;gap:16px}
.logo{text-decoration:none;color:var(--navy);display:block;line-height:1.2}.logo b{font:700 1.3rem Georgia,serif;display:block}.logo small{font-size:.74rem;color:var(--muted)}
nav ul{display:flex;gap:22px;list-style:none;margin:0;padding:0;align-items:center}nav a{text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem}nav a:hover,nav a[aria-current]{color:var(--teal)}
.btn{display:inline-block;padding:13px 22px;border-radius:6px;background:var(--gold);color:var(--navy)!important;font-weight:700;text-decoration:none;border:2px solid var(--gold);cursor:pointer;font-size:1rem;font-family:inherit}
.btn:hover{background:#d7b062}.btn.ghost{background:transparent;color:#fff!important;border-color:#8fa3b8}.btn.line{background:transparent;color:var(--navy)!important;border-color:var(--navy)}
.menu{display:none;background:none;border:2px solid var(--navy);border-radius:6px;padding:9px 14px;font-weight:700;font-size:.95rem;font-family:inherit;color:var(--navy)}
.hero{background:var(--navy);color:#fff;padding:72px 0}.hero h1{color:#fff}.hero p{color:#d3dde7;font-size:1.12rem;max-width:620px}
.hero .wrap{display:grid;grid-template-columns:1.2fr .8fr;gap:48px;align-items:center}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.crumb{font-size:.85rem;color:#b9c8d6;margin-bottom:16px}.crumb a{color:#d3dde7}
.panel{background:#fff;color:var(--ink);border-radius:10px;padding:26px;border-top:5px solid var(--gold)}.panel h2{font-size:1.3rem}.panel ul{list-style:none;padding:0;margin:0}
.panel li a{display:block;padding:13px 0;border-bottom:1px solid var(--line);text-decoration:none;font-weight:600;color:var(--navy)}.panel li:last-child a{border:0}.panel li a:hover{color:var(--teal)}
section{padding:72px 0}.alt{background:var(--mist)}.dark{background:var(--navy2);color:#fff}.dark h2,.dark h3{color:#fff}.dark p{color:#d3dde7}
.lead{font-size:1.1rem;color:var(--muted);max-width:700px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.g2{grid-template-columns:repeat(2,1fr)}
.card{border:1px solid var(--line);border-radius:8px;padding:26px;background:#fff}.card.big{border-top:5px solid var(--gold);grid-column:span 2}.card p{color:var(--muted);font-size:.97rem}
.steps{counter-reset:s;list-style:none;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.steps li{counter-increment:s;border-left:4px solid var(--gold);padding:4px 0 4px 18px}.steps li:before{content:"Step " counter(s);display:block;color:var(--teal);font-weight:700;font-size:.85rem}
.tick{list-style:none;padding:0}.tick li{padding:6px 0 6px 28px;position:relative}.tick li:before{content:"";position:absolute;left:4px;top:.75em;width:10px;height:6px;border-left:3px solid var(--teal);border-bottom:3px solid var(--teal);transform:rotate(-45deg)}
.warn li:before{border-color:#9a6b12}.quick{background:var(--mist);border-left:5px solid var(--teal);padding:20px 24px;border-radius:6px;margin-bottom:34px}.quick p{margin:0}
.doc{display:grid;grid-template-columns:230px 1fr;gap:56px}.toc{position:sticky;top:96px;align-self:start;font-size:.93rem}.toc a{display:block;padding:6px 0;text-decoration:none;color:var(--muted)}.toc a:hover{color:var(--teal)}
article{max-width:740px}article section{padding:0 0 38px}article h2{padding-top:6px}details{border-bottom:1px solid var(--line);padding:16px 0}summary{font-weight:700;cursor:pointer;color:var(--navy)}details p{margin:10px 0 0;color:var(--muted)}
.cta{background:var(--navy);color:#fff;padding:56px 0}.cta .wrap{display:flex;justify-content:space-between;gap:24px;align-items:center;flex-wrap:wrap}.cta h2{color:#fff;margin:0 0 6px;font-size:1.7rem}.cta p{margin:0;color:#d3dde7}
.todo{border:2px dashed #b4781b;background:#fff8ea;padding:14px 18px;border-radius:6px;font-size:.92rem;color:#5b4310}
form{display:grid;grid-template-columns:1fr 1fr;gap:16px}label{display:block;font-weight:600;font-size:.93rem}.full{grid-column:1/-1}input,select,textarea{width:100%;padding:12px;border:1.5px solid #8a99a6;border-radius:6px;font:inherit;margin-top:5px;background:#fff}
.hint{font-weight:400;color:var(--muted);font-size:.85rem}#fs{font-weight:700;color:var(--teal)}
footer{background:#071827;color:#c5d2de;padding:56px 0 100px;font-size:.92rem}footer a{color:#e6edf3;display:block;padding:4px 0}footer h3{color:#fff;font-size:1rem}.fg{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:36px}.fine{border-top:1px solid #29425a;margin-top:32px;padding-top:20px;font-size:.82rem;color:#9fb2c4}
.mbar{display:none}
@media(max-width:900px){.menu{display:block}nav{display:none;position:absolute;top:74px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:14px 22px}nav.open{display:block}nav ul{flex-direction:column;align-items:flex-start;gap:6px}nav a{display:block;padding:10px 0;font-size:1.05rem}
.hero .wrap,.doc,.fg,.grid,.g2,.steps,form{grid-template-columns:1fr}.card.big{grid-column:auto}.toc{position:static}section{padding:52px 0}.hero{padding:48px 0}
.mbar{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:30;background:var(--navy);padding:10px;gap:10px}.mbar a{flex:1;text-align:center;padding:13px 8px;border-radius:6px;font-weight:700;text-decoration:none}.mbar a:first-child{background:var(--gold);color:var(--navy)}.mbar a:last-child{border:2px solid #8fa3b8;color:#fff}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

.two{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}@media(max-width:900px){.two{grid-template-columns:1fr}}.card form{margin:0}