:root{--bg:#0b1220;--panel:#111b2e;--paper:#f7f4ec;--ink:#162033;--muted:#607086;--accent:#f0a72e;--line:#d9d6ce;--max:1120px}
*{box-sizing:border-box}body{margin:0;font:17px/1.65 system-ui,-apple-system,Segoe UI,sans-serif;color:var(--ink);background:var(--paper)}
a{color:#174f7a}header{background:var(--bg);color:white;position:sticky;top:0;z-index:5}.nav{max-width:var(--max);margin:auto;padding:15px 20px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{font-weight:900;color:white;text-decoration:none;font-size:1.15rem}.brand b{color:var(--accent)}nav a{color:#dce5ef;text-decoration:none;margin-left:18px;font-size:.92rem}
.hero{background:linear-gradient(135deg,#0b1220,#172944);color:white;padding:72px 20px}.wrap{max-width:var(--max);margin:auto}.hero .wrap{max-width:900px}.eyebrow{color:var(--accent);font-weight:800;text-transform:uppercase;letter-spacing:.08em;font-size:.8rem}h1{font-size:clamp(2.3rem,5vw,4.5rem);line-height:1.03;margin:.15em 0}h2{font-size:2rem;line-height:1.2;margin-top:2.2rem}h3{line-height:1.3}.lede{font-size:1.25rem;color:#dce5ef;max-width:760px}.btn{display:inline-block;background:var(--accent);color:#151515!important;text-decoration:none;font-weight:900;padding:13px 19px;border-radius:8px;margin:8px 8px 8px 0}.btn.alt{background:white}
main{max-width:var(--max);margin:auto;padding:42px 20px 70px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:white;border:1px solid var(--line);border-radius:12px;padding:22px}.card h3{margin-top:0}.note,.disclosure{border-left:5px solid var(--accent);background:#fff8e9;padding:16px 18px;margin:25px 0}.money{background:var(--panel);color:white;padding:26px;border-radius:14px;margin:34px 0}.money p{color:#dce5ef}.money a:not(.btn){color:#ffd58d}.crumbs{font-size:.85rem;color:var(--muted);margin-bottom:20px}.meta{color:var(--muted);font-size:.9rem}.check li{margin:.55em 0}.table{overflow:auto}table{width:100%;border-collapse:collapse;background:white}th,td{padding:13px;border:1px solid var(--line);text-align:left;vertical-align:top}th{background:#ece8dd}
footer{background:var(--bg);color:#cbd5e1;padding:35px 20px}footer .wrap{display:flex;justify-content:space-between;gap:25px;flex-wrap:wrap}footer a{color:white}
@media(max-width:800px){.grid{grid-template-columns:1fr}nav{display:none}.hero{padding:52px 20px}h1{font-size:2.7rem}}