:root{--navy:#14213d;--navy2:#1d2e54;--gold:#aa8952;--ink:#222832;--muted:#667085;--soft:#f6f7f9;--line:#e5e7eb;--danger:#8e2831;--radius:14px;--shadow:0 12px 30px rgba(20,33,61,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.65}
a{color:var(--navy);text-decoration-thickness:1px;text-underline-offset:3px}a:hover{color:var(--gold)}.wrap{width:min(1160px,calc(100% - 32px));margin:0 auto}
.topbar{background:var(--navy);color:#fff;font-size:.92rem}.topbar .wrap{min-height:42px;display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap}.topbar a{color:#fff;text-decoration:none}
header{background:#212121;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}.header-inner{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{text-decoration:none;display:block;min-width:260px}.brand strong{display:block;font-family:Georgia,"Times New Roman",serif;color:var(--navy);font-size:1.55rem;line-height:1.1}.brand span{color:var(--navy);font-size:.72rem;font-weight:700;letter-spacing:.16em}
nav{display:flex;gap:20px;align-items:center;flex-wrap:wrap}nav a{font-weight:700;text-decoration:none;font-size:.92rem}
.hero{background:radial-gradient(circle at 90% 10%,rgba(170,137,82,.18),transparent 30%),linear-gradient(135deg,#f8f9fb 0%,#fff 62%);border-bottom:1px solid var(--line)}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(280px,.65fr);gap:54px;padding:72px 0 62px;align-items:center}.eyebrow{color:var(--gold);font-weight:800;letter-spacing:.12em;text-transform:uppercase;font-size:.78rem;margin-bottom:12px}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;color:var(--navy);line-height:1.18}h1{font-size:clamp(2.2rem,5vw,4.2rem);margin:0 0 18px}h2{font-size:clamp(1.65rem,3vw,2.35rem);margin:0 0 18px}h3{font-size:1.25rem;margin:0 0 10px}
.lead{font-size:1.15rem;max-width:780px;color:#3e4652;margin:0 0 26px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:0 18px;border-radius:8px;font-weight:800;text-decoration:none;border:1px solid var(--navy)}.btn.primary{background:var(--navy);color:#fff}.btn.secondary{background:#fff;color:var(--navy)}
.fact-card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}.fact-card .big{color:var(--navy);font-family:Georgia,"Times New Roman",serif;font-size:2.05rem;font-weight:700;line-height:1.1}.fact-card p{margin:.65rem 0 0;color:var(--muted)}
.breadcrumb{font-size:.88rem;color:var(--muted);padding:16px 0 0}.breadcrumb a{color:var(--muted)}
main{padding:54px 0 82px}.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:54px;align-items:start}article section{padding:0 0 42px;margin:0 0 42px;border-bottom:1px solid var(--line)}article section:last-child{border-bottom:0}
p{margin:0 0 16px}ul,ol{padding-left:1.25rem}li{margin:.4rem 0}.note{border-left:4px solid var(--gold);background:#fbf8f2;padding:18px 20px;border-radius:0 8px 8px 0;margin:22px 0}.warning{border-left-color:var(--danger);background:#fff6f6}
.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;margin-top:22px}.card{border:1px solid var(--line);border-radius:12px;padding:20px;background:#fff}.card p:last-child{margin-bottom:0}
.steps{counter-reset:step;display:grid;gap:14px;margin-top:20px}.step{counter-increment:step;display:grid;grid-template-columns:44px 1fr;gap:14px;align-items:start}.step:before{content:counter(step);width:36px;height:36px;border-radius:50%;display:grid;place-items:center;color:#fff;background:var(--navy);font-weight:800}
.compare{width:100%;border-collapse:collapse;margin:20px 0;font-size:.96rem}.compare th,.compare td{border:1px solid var(--line);padding:13px 14px;text-align:left;vertical-align:top}.compare th{background:var(--soft);color:var(--navy)}
aside{position:sticky;top:112px}.toc,.contact-box{border:1px solid var(--line);border-radius:12px;padding:20px;background:#fff;box-shadow:var(--shadow)}.toc{margin-bottom:20px}.toc strong{display:block;color:var(--navy);margin-bottom:10px}.toc a{display:block;text-decoration:none;padding:5px 0;font-size:.93rem}.contact-box{background:var(--navy);color:#fff}.contact-box h3{color:#fff}.contact-box a{color:#fff}
.faq details{border:1px solid var(--line);border-radius:10px;padding:0 16px;margin:10px 0;background:#fff}.faq summary{cursor:pointer;font-weight:800;color:var(--navy);padding:16px 0}.faq details p{padding:0 0 16px}
.source-list{font-size:.9rem;color:var(--muted)}.cta{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;border-radius:16px;padding:34px;margin-top:12px}.cta h2{color:#fff}.cta a{color:#fff}
footer{background:#ffffff;border-top:1px solid var(--line);color:#4d5561;padding:34px 0;font-size:.9rem}footer .footer-grid{display:grid;grid-template-columns:1fr auto;gap:22px;align-items:end}footer strong{color:var(--navy)}
@media(max-width:900px){header{position:static}.hero-grid,.layout{grid-template-columns:1fr}.hero-grid{gap:28px;padding:50px 0}aside{position:static}nav{display:none}}
@media(max-width:620px){.grid-2{grid-template-columns:1fr}.header-inner{padding:16px 0}footer .footer-grid{grid-template-columns:1fr}h1{font-size:2.35rem}}

html {
    font-size: 16px;
}

body {
    margin: 0;
    font-family: Arial, Helvetica, sans-serif;
    color: var(--ink);
    background: #fff;
    line-height: 1.65;
}

p {
    all: revert;
	font-size: 16px;
}

.btn {font-size: 16px;}

footer h3 {font: bold 18px / 30px 'Roboto Slab';}

.breadcrumb {
    padding: 8px 15px;
    margin-bottom: 18px;
    list-style: none;
    background-color: transparent;
    border-radius: 4px;
}