:root{--navy:#1B2A4A;--gold:#C9A84C;--gold-light:#e8c97a;--white:#ffffff;--light:#f5f7fb;--text:#2d2d2d;--muted:#666;--border:#dde3ef}a{color:inherit;text-decoration:none}.topbar{background:var(--navy);color:var(--white);font-size:12.5px;padding:8px 20px;display:flex;flex-wrap:wrap;justify-content:center;gap:16px}.topbar span{opacity:.9}.topbar a{color:var(--gold-light)}.hero{background:linear-gradient(135deg,var(--navy) 0,#2c3e6b 100%);color:var(--white);text-align:center;padding:64px 20px 56px}.hero .breadcrumb{font-size:13px;opacity:.7;margin-bottom:16px}.hero .breadcrumb a{color:var(--gold-light)}.hero h1{font-size:clamp(26px, 4vw, 42px);font-weight:800;line-height:1.25;max-width:760px;margin:0 auto 16px}.hero h1 span{color:var(--gold)}.hero p{font-size:17px;opacity:.88;max-width:600px;margin:0 auto 28px}.hero-meta{display:flex;flex-wrap:wrap;justify-content:center;gap:12px;font-size:13px}.hero-meta span{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);padding:6px 14px;border-radius:20px}.page-wrap{max-width:900px;margin:0 auto;padding:48px 20px 64px}.overview-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:16px;margin-bottom:48px}.overview-card{background:var(--light);border:1px solid var(--border);border-top:3px solid var(--gold);border-radius:8px;padding:20px 16px;text-align:center}.overview-card .icon{font-size:28px;margin-bottom:8px}.overview-card strong{display:block;font-size:15px;color:var(--navy);margin-bottom:4px}.overview-card span{font-size:13px;color:var(--muted)}.section{margin-bottom:48px}.section h2{font-size:24px;font-weight:700;color:var(--navy);margin-bottom:6px;padding-bottom:10px;border-bottom:2px solid var(--gold)}.section .sub{font-size:14px;color:var(--muted);margin-bottom:20px}.section h3{font-size:17px;font-weight:700;color:var(--navy);margin:24px 0 8px}.section p{margin-bottom:14px;color:var(--text)}.step-list{list-style:none;counter-reset:steps}.step-list li{counter-increment:steps;display:flex;gap:16px;align-items:flex-start;padding:16px 0;border-bottom:1px solid var(--border)}.step-list li:last-child{border-bottom:none}.step-num{min-width:36px;height:36px;background:var(--navy);color:var(--white);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:14px;font-weight:700;flex-shrink:0}.step-body strong{display:block;font-size:15px;color:var(--navy);margin-bottom:4px}.step-body span{font-size:14px;color:var(--muted);line-height:1.6}.table-wrap{overflow-x:auto;margin-bottom:14px}table{width:100%;border-collapse:collapse;font-size:14.5px}thead tr{background:var(--navy);color:var(--white)}thead th{padding:13px 16px;text-align:left;font-weight:600;letter-spacing:.3px}tbody tr:nth-child(2n){background:var(--light)}tbody tr:nth-child(odd){background:var(--white)}tbody td{padding:12px 16px;border-bottom:1px solid var(--border);vertical-align:top}tbody td:first-child{font-weight:600;color:var(--navy)}.badge{display:inline-block;font-size:11px;padding:2px 8px;border-radius:12px;font-weight:600}.badge-green{background:#e6f4ea;color:#1e7e34}.badge-blue{background:#e8f0fe;color:#1a56b0}.checklist{list-style:none;display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:10px}.checklist li{display:flex;align-items:flex-start;gap:10px;font-size:14.5px;padding:10px 12px;background:var(--light);border-radius:6px;border:1px solid var(--border)}.checklist li .ck{color:var(--gold);font-size:17px;flex-shrink:0;margin-top:1px}.highlight-box{background:linear-gradient(135deg,#f0f4ff,#e8f0fe);border-left:4px solid var(--navy);border-radius:0 8px 8px 0;padding:20px 24px;margin:20px 0}.highlight-box p{margin:0;font-size:15px}.tip-box{background:#fffbf0;border:1px solid #f0d98a;border-left:4px solid var(--gold);border-radius:0 8px 8px 0;padding:16px 20px;margin:16px 0;font-size:14.5px}.tip-box strong{color:var(--navy)}.faq-list{list-style:none}.faq-item{border:1px solid var(--border);border-radius:8px;margin-bottom:12px;overflow:hidden}.faq-q{width:100%;background:var(--light);border:none;text-align:left;padding:16px 20px;font-size:15px;font-weight:600;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between;align-items:center}.faq-q::after{content:'+';font-size:20px;color:var(--gold);font-weight:400}.faq-q.open::after{content:'−'}.faq-a{display:none;padding:16px 20px;font-size:14.5px;line-height:1.7;color:var(--text);border-top:1px solid var(--border);background:var(--white)}.faq-a.open{display:block}.cta-banner{background:linear-gradient(135deg,var(--navy),#2c3e6b);color:var(--white);border-radius:12px;padding:40px 32px;text-align:center;margin-top:56px}.cta-banner h2{font-size:26px;font-weight:700;margin-bottom:10px;border:none;color:var(--white);padding:0}.cta-banner p{opacity:.85;max-width:500px;margin:0 auto 24px}.cta-buttons{display:flex;flex-wrap:wrap;justify-content:center;gap:12px}.btn-gold{background:var(--gold);color:var(--navy);font-weight:700;padding:13px 28px;border-radius:6px;font-size:15px;transition:.2s}.btn-gold:hover{background:#b8933e}.btn-outline{background:0 0;border:2px solid rgba(255,255,255,.6);color:var(--white);padding:11px 26px;border-radius:6px;font-size:15px;font-weight:600;transition:.2s}.btn-outline:hover{border-color:var(--white);background:rgba(255,255,255,.08)}.author-box{display:flex;gap:20px;align-items:flex-start;border:1px solid var(--border);border-radius:10px;padding:24px;margin-top:40px;background:var(--light)}.author-box img{width:80px;height:80px;border-radius:50%;object-fit:cover;flex-shrink:0;border:3px solid var(--gold)}.author-box h3{font-size:16px;color:var(--navy);margin-bottom:4px}.author-box p{font-size:13.5px;color:var(--muted);margin:0}.social-links{display:flex;gap:12px;margin-top:16px;flex-wrap:wrap}.social-links a{background:rgba(255,255,255,.12);color:var(--white);width:34px;height:34px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:13px;transition:.2s}.social-links a:hover{background:var(--gold);color:var(--navy)}@media (max-width:640px){.hero{padding:44px 16px 40px}.page-wrap{padding:32px 16px 48px}.author-box{flex-direction:column}.cta-banner{padding:28px 20px}}