:root{--navy:#013173;--orange:#F08232;--orange-dk:#B85A12;--ink:#1b2333;--muted:#4a5568;--bg:#fff;--soft:#f3f6fb;--r:12px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg)}
img{max-width:100%;height:auto}a{color:var(--navy)}a:hover{color:var(--orange-dk)}
:focus-visible{outline:3px solid var(--orange);outline-offset:2px}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:.5rem 1rem;z-index:10}.skip:focus{left:0}
.wrap{max-width:1100px;margin:0 auto;padding:0 1.25rem}.narrow{max-width:760px}
.site-header{border-bottom:1px solid #e3e8f0;background:#fff}
.bar{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:.5rem;padding-top:.6rem;padding-bottom:.6rem}
.brand{display:flex;align-items:center;gap:.6rem;font-weight:700;color:var(--navy);text-decoration:none;font-size:1.1rem}
nav ul{display:flex;flex-wrap:wrap;gap:.25rem 1.1rem;list-style:none;margin:0;padding:0}
nav a{text-decoration:none;font-weight:500}nav a[aria-current]{color:var(--orange-dk);text-decoration:underline}
.hero{background:linear-gradient(135deg,var(--navy),#0a4aa6);color:#fff;padding:4.5rem 0 4rem}
.hero h1{font-size:clamp(2rem,5vw,3.2rem);line-height:1.15;margin:.3rem 0 1rem}
.eyebrow{color:#ffc79c;font-weight:600;margin:0}.lead{font-size:1.2rem;max-width:42rem}
.btn{display:inline-block;background:var(--orange);color:#1b2333;font-weight:700;padding:.8rem 1.3rem;border-radius:999px;text-decoration:none;margin:.3rem .4rem .3rem 0}
.btn:hover{background:#ffa25c;color:#1b2333}.btn.ghost{background:transparent;color:#fff;border:2px solid #fff}
section{margin:3rem auto}h2{color:var(--navy);line-height:1.25}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:1.2rem}
.card{background:var(--soft);border-radius:var(--r);padding:1.3rem 1.4rem;border-top:4px solid var(--orange)}
.card h3,.card h2{margin-top:0;color:var(--navy)}
.newsletter{background:var(--soft);padding:3rem 0;margin:3rem 0}
.nl-form label{font-weight:600;display:block;margin-bottom:.3rem}
.row{display:flex;flex-wrap:wrap;gap:.5rem}
.row input{flex:1 1 240px;padding:.8rem;border:2px solid #9aa7bd;border-radius:8px;font:inherit}
button{background:var(--navy);color:#fff;border:0;border-radius:8px;padding:.8rem 1.4rem;font:inherit;font-weight:700;cursor:pointer}button:hover{background:#0a4aa6}
.small{font-size:.9rem;color:var(--muted)}.todo{background:#fff4e8;border-left:4px solid var(--orange);padding:.5rem .8rem}
mark.ph{background:#ffe2c7;padding:0 .2em}
.prose h2{margin-top:2.2rem}.toc{background:var(--soft);padding:1rem 1.3rem;border-radius:var(--r)}
table{width:100%;border-collapse:collapse;margin:1rem 0}th,td{border:1px solid #d5dce8;padding:.55rem .7rem;text-align:left;vertical-align:top}thead th{background:var(--navy);color:#fff}caption{text-align:left;font-weight:600;margin-bottom:.3rem}
.faq details{border:1px solid #d5dce8;border-radius:8px;padding:.7rem 1rem;margin:.6rem 0}.faq summary{font-weight:600;cursor:pointer}
.site-footer{background:var(--navy);color:#dfe7f5;padding:2rem 0;margin-top:4rem}.site-footer a{color:#fff}
@media (max-width:600px){.hero{padding:3rem 0}body{font-size:16px}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

.nl-ok{background:#fff;border:2px solid #F08232;border-radius:12px;padding:1.5rem;text-align:center}.nl-ok h3{color:#013173;margin:.2rem 0 .5rem}.nl-ok-icon{font-size:2.2rem;margin:0}