@charset "UTF-8";
:root{--navy:#111936;--ink:#111936;--muted:#566176;--blue:#4c55c4;--cyan:#a4aeff;--green:#19754d;--line:#dfe3ef;--pale:#f3f4fa;--white:#fff;--red:#d91e45;--radius:14px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:92px}body{margin:0;font:17px/1.65 system-ui,-apple-system,Segoe UI,sans-serif;color:var(--ink);background:white}a{color:#3c46ad;text-underline-offset:4px}button,input,select,textarea{font:inherit}button,a,input,select,textarea{touch-action:manipulation}img{max-width:100%;height:auto;display:block}h1,h2,h3,p{margin:0 0 16px}h1,h2,h3{line-height:1.16;letter-spacing:-.025em}h1{font-size:clamp(34px,4.1vw,58px);max-width:920px}h2{font-size:clamp(27px,2.6vw,38px)}h3{font-size:22px}p{color:var(--muted)}ul,ol{padding-left:23px}li{margin-bottom:8px}.wrap{width:min(1240px,calc(100% - 56px));margin:auto}.skip{position:absolute;left:20px;top:-100px;background:white;padding:12px;z-index:99}.skip:focus{top:10px}:focus-visible{outline:3px solid #6878e5;outline-offset:4px}header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}.header-row{display:flex;align-items:center;justify-content:space-between;gap:22px;min-height:80px}.brand{display:flex;align-items:center;gap:14px;text-decoration:none;color:var(--navy);flex-shrink:0}.brand img{width:94px;height:58px;object-fit:contain}.brand span{border-left:1px solid var(--line);padding-left:14px;font-size:22px;font-weight:800}.brand small{display:block;font-size:11px;letter-spacing:.12em;color:var(--blue)}nav{display:flex;align-items:center;gap:22px}nav a{font-size:15px;font-weight:650;text-decoration:none;color:var(--ink)}nav a[aria-current=page]{color:#4c55c4}nav a:hover{text-decoration:underline}.menu-toggle{display:none}.btn,button{display:inline-flex;align-items:center;justify-content:center;gap:12px;min-height:46px;border:1px solid transparent;border-radius:7px;padding:11px 20px;background:var(--red);color:#fff;font-weight:700;text-decoration:none;cursor:pointer}.btn:hover,button:hover{background:#ac1235}.btn.secondary{background:transparent;border-color:#969db8;color:var(--ink)}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:23px}.hero{background:radial-gradient(ellipse at 85% 15%,#2e3470,transparent 60%),var(--navy);color:white;padding:48px 0 40px;overflow:hidden}.hero h1{max-width:700px}.hero h1 em{font-style:normal;color:var(--cyan)}.hero p{color:#e3e7fb;max-width:650px}.hero .eyebrow{color:#bec7ff}.hero .btn{background:var(--red);color:white}.hero .btn:hover{background:#ac1235}.hero .btn.secondary{background:transparent;color:white;border-color:#6971a4}.hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:42px;align-items:center}.eyebrow{color:#515cc1;font-size:13px;font-weight:750;letter-spacing:.07em;margin-bottom:14px}.lead{font-size:19px;line-height:1.6}.hero-note{font-size:14px;margin-top:18px}.hero-photo{border-radius:12px;aspect-ratio:1.5;object-fit:cover;width:100%;border:1px solid #6971a4}.hero-visual{position:relative}.visual-label{display:flex;justify-content:space-between;background:#192449;padding:14px 17px;border-radius:0 0 12px 12px;font-size:14px;gap:15px}.visual-label b{color:var(--cyan)}.pill-row{display:flex;gap:18px;flex-wrap:wrap;border-top:1px solid #454d74;margin-top:32px;padding-top:22px;font-size:14px}.pill-row span{padding-right:18px;border-right:1px solid #454d74}.section{padding:48px 0}.section.pale{background:var(--pale)}.section.dark{background:var(--navy);color:white}.dark p{color:#c4cce2}.section-head{display:flex;align-items:end;justify-content:space-between;gap:28px;margin-bottom:24px}.section-head p{max-width:540px;margin-bottom:0}.section-head h2{margin-bottom:0;max-width:680px}.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.grid.two{grid-template-columns:repeat(2,minmax(0,1fr))}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:25px;min-width:0;display:flex;flex-direction:column}.card p{font-size:16px}.card a.more{margin-top:auto;font-size:15px;font-weight:700}.card .num{color:var(--blue);font-weight:750;font-size:14px;margin-bottom:17px}.card h3{margin-bottom:12px}.card p:last-child{margin-bottom:0}.card.photo{padding:0;overflow:hidden}.card.photo img{width:100%;height:210px;object-fit:cover}.card.photo>div{padding:24px}.band{border-left:4px solid var(--blue);padding:18px 24px;background:#f0f2fb;margin:24px 0}.band p{margin:0}.flow{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin:28px 0}.flow>div{padding:20px;background:#192449;border:1px solid #454d74;border-radius:10px}.flow b{display:block;color:#abb6ff;font-size:14px;margin-bottom:10px}.flow strong{display:block;margin-bottom:10px}.flow p{font-size:15px;margin:0}.table-scroll{overflow-x:auto;border:1px solid var(--line);border-radius:10px}table{width:100%;border-collapse:collapse;font-size:16px}th,td{padding:17px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}th{background:#edf0f7}td:first-child{font-weight:650}.scenario-controls{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:20px}.scenario-controls button{background:white;color:var(--ink);border:1px solid #ced3e2;font-size:15px}.scenario-controls button[aria-pressed=true]{background:var(--navy);color:white;border-color:var(--navy)}.scenario{border:1px solid var(--line);border-radius:12px;padding:26px;background:#fff}.scenario dl{display:grid;grid-template-columns:150px 1fr;gap:12px 22px;margin:0}.scenario dt{font-weight:750;color:var(--blue)}.scenario dd{margin:0;color:var(--muted)}[hidden]{display:none!important}.split{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:start}.image-round{border-radius:12px;object-fit:cover;aspect-ratio:1.5;width:100%}.cta{background:#e9ecfa;padding:30px;border-radius:14px;display:flex;align-items:center;justify-content:space-between;gap:30px}.cta h2{font-size:30px;margin-bottom:8px}.cta p{margin-bottom:0}.subhero{background:var(--pale);padding:33px 0}.subhero h1{font-size:clamp(32px,3.5vw,46px)}.subhero p{max-width:850px;font-size:19px;margin-bottom:0}.breadcrumbs{font-size:14px;margin-bottom:20px}.article-grid{display:grid;grid-template-columns:240px 1fr;gap:38px}.toc{position:sticky;top:104px;border-left:2px solid var(--line);padding-left:18px;font-size:15px}.toc a{display:block;margin-bottom:12px;color:var(--muted);text-decoration:none}.toc strong{display:block;margin-bottom:14px}.article section{margin-bottom:32px;scroll-margin-top:105px}.article h2{font-size:27px}.article p{max-width:860px}.related{border-top:1px solid var(--line);padding-top:20px;display:flex;gap:14px;flex-wrap:wrap}.related a{font-size:15px}.faq{display:grid;grid-template-columns:1fr 1fr;gap:12px}details{background:white;border:1px solid var(--line);padding:17px 20px;border-radius:9px;align-self:start}summary{font-size:17px;font-weight:650;cursor:pointer}details p{font-size:16px;margin:15px 0 0}.sources{font-size:14px;color:var(--muted);padding:20px;background:#f3f4fa;border-radius:9px}.sources li{margin-bottom:9px}.form-card{padding:28px;border:1px solid var(--line);border-radius:14px;background:#fff}form .grid{gap:16px}label{display:block;font-size:15px;font-weight:650}input,select,textarea{display:block;width:100%;min-height:46px;border:1px solid #a0a8c0;border-radius:7px;padding:10px 12px;background:white;color:var(--ink);margin-top:6px}textarea{min-height:120px;resize:vertical}fieldset{border:0;padding:0;margin:0 0 25px}legend{font-size:22px;font-weight:750;margin-bottom:15px;padding:0}label.check{display:flex;align-items:start;gap:10px;font-weight:400;font-size:15px;margin:14px 0}label.check input{flex:0 0 18px;width:18px;min-height:18px;margin-top:5px}.trap{position:absolute;left:-10000px}.note{font-size:14px;color:var(--muted);margin-top:12px}.status{padding:14px;border-radius:8px;margin-top:16px;background:#edf0f7}.status.error{background:#fff0ef;color:#8d2929}.checklist{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.checklist label{border:1px solid var(--line);padding:14px;background:white;border-radius:8px}.check-result{padding:22px;background:#e6f3ee;border-left:4px solid var(--green);margin-top:20px}.check-result h3{font-size:22px}.footer{padding:35px 0 22px;background:#0c132c;color:#d8dded}.footer a{color:#d8dded}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:30px}.footer p{color:#c4cce2;font-size:14px}.footer strong{display:block;margin-bottom:12px}.footer a{display:block;margin-bottom:9px;font-size:15px}.footer-bottom{border-top:1px solid #454d74;margin-top:24px;padding-top:18px;display:flex;gap:20px;justify-content:space-between;flex-wrap:wrap;font-size:13px}.footer-bottom a{display:inline;font-size:13px}.legal-note{font-size:14px}.service-tags{display:flex;gap:10px;flex-wrap:wrap;margin-top:16px}.service-tags span{background:#edf0f7;padding:7px 12px;border-radius:6px;font-size:14px}.step-list{counter-reset:step;list-style:none;padding:0}.step-list li{padding:16px 0;border-bottom:1px solid var(--line)}.step-list li:before{counter-increment:step;content:'0' counter(step);font-weight:750;color:var(--blue);margin-right:15px}.source-date{font-size:14px}.print-btn{margin:14px 0}.kbd-link{font-weight:700}.service-list{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}.service-list a{display:block;padding:17px;border:1px solid var(--line);border-radius:8px;text-decoration:none;font-weight:650}.service-list a:hover{background:var(--pale)}
@media(max-width:1050px){nav{gap:13px}nav a{font-size:14px}.brand img{width:75px}.hero-grid{gap:25px}.grid{grid-template-columns:repeat(2,minmax(0,1fr))}.article-grid{grid-template-columns:200px 1fr}.flow{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:820px){.wrap{width:calc(100% - 36px)}.header-row{min-height:72px}.brand img{height:48px}.menu-toggle{display:block;padding:8px 12px;min-height:44px}nav{display:none;position:absolute;left:0;right:0;top:100%;background:white;padding:18px;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0}nav.open{display:flex}nav a{padding:10px;font-size:16px}.hero-grid,.split{grid-template-columns:1fr}.hero{padding:32px 0}.hero-visual{max-width:640px}.hero-photo{max-height:290px}.hero h1{font-size:40px}.section{padding:34px 0}.section-head{display:block}.section-head h2{margin-bottom:12px}.article-grid{display:block}.toc{position:static;display:flex;flex-wrap:wrap;gap:8px 15px;margin-bottom:25px;font-size:14px}.toc strong{width:100%}.toc a{margin:0}.cta{display:block}.cta .btn{margin-top:20px}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}}
@media(max-width:560px){.grid,.grid.two,.faq,.checklist,.service-list{grid-template-columns:1fr}.hero h1{font-size:35px}.lead{font-size:18px}.hero-visual{margin-top:3px}.hero-note{font-size:13px}.pill-row{gap:9px;font-size:13px;margin-top:23px;padding-top:17px}.pill-row span{border:0}.card{padding:21px}.flow{gap:9px}.flow>div{padding:15px}.flow strong{font-size:16px}.flow p{font-size:14px}.scenario dl{grid-template-columns:1fr;gap:5px}.scenario dd{margin-bottom:16px}.form-card{padding:20px}.footer-grid{grid-template-columns:1fr}.section h2{font-size:28px}.brand span{font-size:19px}.brand small{font-size:10px}.subhero{padding:27px 0}.subhero p{font-size:18px}th,td{min-width:170px;padding:13px}form .grid.two{grid-template-columns:1fr}.cta{padding:24px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}
@media print{header,footer,.actions,.cta,.toc,.print-btn{display:none!important}.wrap{width:100%}.section{padding:12px 0}.hero,.subhero{background:white;color:black}.article-grid{display:block}.card,section{break-inside:avoid}a{color:inherit}.hero p{color:black}body{font-size:12pt}}

.dark .eyebrow{color:#bac4ff}.scenario-controls button[aria-pressed=true]{background:var(--blue);border-color:var(--blue)}

/* Optional Matomo consent */
#analytics-consent{max-width:520px;width:calc(100% - 32px);border:1px solid #dfe3ef;border-radius:14px;padding:24px;color:#111936;background:#fff}#analytics-consent::backdrop{background:#11193688}#analytics-consent h2{font-size:24px}#analytics-consent p{font-size:15px}.consent-actions{display:flex;gap:12px;flex-wrap:wrap}.consent-actions button{flex:1;min-width:170px;padding:12px;background:#4c55c4;color:#fff;border:0;border-radius:7px;font:inherit;cursor:pointer}#analytics-settings{border:0;background:none;color:inherit;font:inherit;text-decoration:underline;padding:0;cursor:pointer}

/* Narrow iPhone layouts: let the brand fit beside the fixed menu target. */
@media(max-width:560px){.header-row{gap:12px}.brand{flex:1 1 auto;min-width:0;gap:9px}.brand img{width:62px;flex:0 0 62px}.brand span{min-width:0;padding-left:9px}.brand small{font-size:9px;letter-spacing:.06em;line-height:1.35;max-width:160px;overflow-wrap:normal}.menu-toggle{flex:0 0 auto}.hero-grid>*,.split>*,.article-grid>*{min-width:0}input,select,textarea{min-width:0;font-size:16px}.actions .btn,.cta .btn{max-width:100%;white-space:normal;text-align:center}.form-card{min-width:0}}


/* Parent-site navigation: keep tablet headers within the viewport. */
nav .parent-link{white-space:nowrap;color:var(--blue)}
@media(min-width:821px) and (max-width:1100px){.menu-toggle{display:block;padding:8px 12px;min-height:44px;flex:0 0 auto}nav{display:none;position:absolute;left:0;right:0;top:100%;background:white;padding:18px;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0}nav.open{display:flex}nav a{padding:10px;font-size:16px}}