:root{--navy:#112b3d;--blue:#166b8f;--ink:#18232b;--muted:#5d6c75;--line:#d8e1e6;--pale:#eef6f8;--cream:#fbf8f1;--red:#b51620;--green:#235f4d}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Verdana,Tahoma,Arial,sans-serif;color:var(--ink);line-height:1.7;background:#fff}a{color:#075f8d}
.top{background:var(--navy);color:#fff}.topin{max-width:1180px;margin:auto;padding:18px 22px;display:flex;justify-content:space-between;gap:20px;align-items:center}
.brand{font-size:29px;font-weight:700;color:#fff;text-decoration:none}.brand span{color:#9ed8ec}.strap{font-size:14px;color:#dce8ed;text-align:right}
nav{background:#174863}.navin{max-width:1180px;margin:auto;padding:0 14px;display:flex;flex-wrap:wrap}nav a{padding:11px 10px;color:#fff;text-decoration:none;font-size:14px}nav a:hover{background:#0f354c}
.hero{position:relative;background:#102a3b;border-bottom:1px solid var(--line)}.hero-media{position:relative;height:510px;overflow:hidden}.hero-media picture{position:absolute;inset:0}.hero-image{width:100%;height:100%;object-fit:cover;display:block}
.hero-shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(7,31,45,.88) 0%,rgba(7,31,45,.68) 43%,rgba(7,31,45,.22) 72%,rgba(7,31,45,.05) 100%)}
.heroin{position:relative;z-index:2;max-width:1180px;margin:auto;padding:60px 22px;height:510px;display:flex;align-items:center}.hero-copy{max-width:810px}.kicker{font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:#cfeaf4;font-weight:700;margin-bottom:10px}
.hero h1{font-size:43px;line-height:1.14;color:#fff;margin:0 0 15px;text-shadow:0 2px 6px rgba(0,0,0,.28)}.hero p{font-size:18px;max-width:760px;color:#edf7fb;margin:0}
main{max-width:960px;margin:auto;padding:36px 22px 64px}.wide{max-width:1180px}.crumb{font-size:13px;color:#687781;margin-bottom:24px}
.answer{font-size:19px;background:var(--pale);border-left:5px solid var(--blue);padding:18px 20px;margin:0 0 30px}
h2{font-size:26px;line-height:1.28;color:var(--navy);margin:36px 0 12px}h3{color:var(--navy)}p{margin:0 0 17px}ul{margin-top:8px}.note,.warning,.tip{padding:17px 19px;border-radius:7px;margin:24px 0}.note{background:#f2f7f9;border:1px solid #ccdde5}.warning{background:#fff8e9;border:1px solid #ead7a7}.tip{background:#f1f7f3;border:1px solid #c9ddd0}
.grid,.cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:17px}.card{display:block;border:1px solid var(--line);border-radius:8px;padding:19px;text-decoration:none;background:#fff}.card:hover{border-color:#aabfc9;box-shadow:0 3px 12px rgba(0,0,0,.06)}.card strong{display:block;color:var(--navy);font-size:18px;margin-bottom:6px}.card span{color:var(--muted);font-size:14px}
.checklist{border:1px solid var(--line);border-radius:8px;padding:20px;background:#fff}.checklist li{margin:7px 0}
.quote{text-align:center;margin:40px 0 20px}.quotor{display:inline-block;background:linear-gradient(#d72a34,#a20f17);color:#fff!important;text-decoration:none;font-weight:700;padding:14px 25px;border-radius:6px;box-shadow:0 2px 4px rgba(0,0,0,.16)}
.qz-tip{position:relative;display:flex;align-items:center;justify-content:center;gap:5px;margin-top:9px;font-size:12px;color:#5e6b75}.qz-powered{font-weight:700}.qz-icon{border:0;padding:0;background:transparent;color:#176b9b;font-size:16px;line-height:1;cursor:pointer}.qz-tip__bubble{display:none;position:absolute;left:50%;bottom:calc(100% + 10px);transform:translateX(-50%);width:min(390px,90vw);padding:13px 15px;background:#fff;border:1px solid #d7e1e7;border-radius:7px;box-shadow:0 5px 18px rgba(0,0,0,.16);color:#18232c;font-size:12px;line-height:1.5;text-align:left;z-index:100}.qz-icon:hover + .qz-tip__bubble,.qz-icon:focus + .qz-tip__bubble,.qz-tip.is-open .qz-tip__bubble{display:block}
.footer{background:#081f31;color:#dce4e9}.footin{max-width:1180px;margin:auto;padding:30px 22px;font-size:12px;line-height:1.58}.footer a{color:#fff}.footlinks{margin-bottom:15px}.footlinks a{margin-right:14px}
@media(max-width:760px){.topin{flex-direction:column;align-items:flex-start}.strap{text-align:left}.navin{display:block}nav a{display:inline-block}.hero-media,.heroin{height:390px}.heroin{padding:38px 20px}.hero h1{font-size:31px}.hero p{font-size:16px}.grid,.cards{grid-template-columns:1fr}main{padding:28px 18px 50px}}