@import url("https://fonts.googleapis.com/css2?family=Heebo:wght@400;500;600;700;800;900&display=swap");
:root{--navy:#123f70;--deep:#0a2b50;--blue:#2584cf;--pink:#df669b;--paper:#fffefa;--ice:#f2f7fb;--ink:#112f4d;--muted:#5b7086;--line:#d6e3ed;--success:#147557;--shadow:0 24px 70px rgba(18,63,112,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;text-size-adjust:100%;overflow-x:clip}body{margin:0;overflow-x:clip;color:var(--ink);background:var(--paper);font-family:Heebo,Arial,sans-serif;-webkit-font-smoothing:antialiased}a{color:inherit}.skip-link{position:fixed;z-index:100;top:12px;right:12px;transform:translateY(-220%);padding:12px 18px;border-radius:12px;color:#fff;background:var(--deep)}.skip-link:focus{transform:translateY(0)}
.guide-header{position:sticky;z-index:50;top:0;min-height:82px;padding:10px clamp(18px,5vw,78px);display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:24px;border-bottom:1px solid rgba(207,223,236,.9);background:rgba(255,254,250,.94);backdrop-filter:blur(20px)}.brand{display:inline-flex;width:fit-content;align-items:center;gap:11px;text-decoration:none}.brand img{width:56px;height:56px;padding:5px;border:1px solid #dbe7f0;border-radius:17px;background:#fff;box-shadow:0 8px 24px rgba(18,63,112,.09)}.brand b,.brand small{display:block}.brand b{color:var(--navy);font-size:1.4rem;line-height:1}.brand small{margin-top:5px;color:var(--muted);font-size:.72rem;font-weight:700}.guide-header nav{display:flex;gap:3px}.guide-header nav a{padding:10px 12px;border-radius:11px;color:#39566f;font-size:.88rem;font-weight:800;text-decoration:none}.guide-header nav a:hover{color:var(--navy);background:#eaf3fa}.portal-link{justify-self:end;padding:12px 17px;border-radius:13px;color:#fff;background:var(--navy);font-weight:900;text-decoration:none}
.guide-hero{min-height:660px;padding:clamp(72px,8vw,126px) clamp(22px,8vw,128px);display:grid;grid-template-columns:minmax(0,1.25fr) minmax(300px,.75fr);align-items:center;gap:clamp(50px,9vw,150px);background:radial-gradient(circle at 8% 14%,#dceefd,transparent 28%),linear-gradient(130deg,#fffefa 30%,#f4f9fd 72%,#fff8fb)}.breadcrumbs{display:flex;gap:9px;color:#6d8295;font-size:.82rem;font-weight:700}.breadcrumbs a{color:var(--blue)}.eyebrow{margin:0 0 11px;color:#be477a;font-size:.78rem;font-weight:900;letter-spacing:.07em}.guide-hero .eyebrow{margin-top:34px}.guide-hero h1{max-width:850px;margin:0;color:var(--navy);font-size:clamp(3.1rem,6.3vw,7rem);line-height:.95;letter-spacing:-.065em}.lead{max-width:820px;margin:26px 0 0;color:var(--muted);font-size:clamp(1.08rem,1.7vw,1.35rem);line-height:1.75}.hero-actions{margin-top:30px;display:flex;flex-wrap:wrap;gap:10px}.hero-actions a{min-height:53px;padding:13px 20px;display:inline-flex;align-items:center;justify-content:center;border-radius:14px;font-weight:900;text-decoration:none}.primary{color:#fff;background:var(--navy);box-shadow:0 14px 30px rgba(18,63,112,.2)}.secondary{border:1px solid #b9cddd;color:var(--navy);background:#fff}.trust-card{padding:32px;border:1px solid #cfe0ec;border-radius:28px;background:rgba(255,255,255,.9);box-shadow:var(--shadow)}.trust-card>span{display:inline-block;padding:6px 10px;border-radius:9px;color:var(--success);background:#e2f4ed;font-size:.77rem;font-weight:900}.trust-card h2{margin:18px 0 10px;color:var(--navy);font-size:2rem;line-height:1.08}.trust-card p{margin:0;color:var(--muted);line-height:1.75}
.topic-nav{padding:22px clamp(22px,7vw,110px);display:grid;grid-template-columns:repeat(6,1fr);gap:8px;color:#fff;background:var(--deep)}.topic-nav a{min-height:70px;padding:12px;display:flex;align-items:center;gap:10px;border:1px solid rgba(255,255,255,.12);border-radius:13px;text-decoration:none}.topic-nav a:hover{background:rgba(255,255,255,.08)}.topic-nav b{color:#f09ac0;font-size:.72rem}.topic-nav span{font-size:.88rem;font-weight:800}
.guide-content{width:min(1120px,calc(100% - 44px));margin:0 auto;padding:110px 0}.intro-section{padding:0 0 100px}.intro-section header{max-width:780px}.intro-section h2,.faq-section h2,.guide-cta h2{margin:0;color:var(--navy);font-size:clamp(2.4rem,4.3vw,4.6rem);line-height:1;letter-spacing:-.05em}.steps{margin:42px 0 0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:14px;counter-reset:steps;list-style:none}.steps li{min-height:200px;padding:27px;border:1px solid var(--line);border-radius:21px;background:#fff;box-shadow:0 14px 36px rgba(18,63,112,.07)}.steps li:before{counter-increment:steps;content:"0" counter(steps);display:block;margin-bottom:24px;color:var(--pink);font-size:.75rem;font-weight:900}.steps b,.steps span{display:block}.steps b{color:var(--navy);font-size:1.15rem}.steps span{margin-top:9px;color:var(--muted);line-height:1.65}
.topic-section{padding:92px 0;border-top:1px solid #cbdbe8;scroll-margin-top:100px}.topic-heading{display:grid;grid-template-columns:72px 1fr;gap:20px;align-items:start}.topic-heading>span{width:64px;height:64px;display:grid;place-items:center;border:2px solid #80b8df;border-radius:50%;color:var(--blue);background:#eef7fd;font-weight:900}.topic-heading h2{max-width:850px;margin:0;color:var(--navy);font-size:clamp(2.35rem,4.4vw,4.8rem);line-height:.98;letter-spacing:-.05em}.topic-body{max-width:900px;margin:32px 92px 0 0}.topic-body>p{color:var(--muted);font-size:1.08rem;line-height:1.85}.answer-box{margin:28px 0;padding:24px 27px;border:1px solid #cfe1ee;border-radius:19px;background:#f5fafe}.answer-box h3{margin:0;color:var(--navy);font-size:1.2rem}.answer-box ul{margin:16px 0 0;padding:0 20px 0 0;display:grid;grid-template-columns:1fr 1fr;gap:9px 28px;color:#405e76}.answer-box li::marker{color:var(--pink)}.source-links{margin-top:28px;display:flex;flex-wrap:wrap;gap:9px}.source-links a{padding:11px 14px;border:1px solid #bfd5e5;border-radius:12px;color:var(--navy);background:#fff;font-size:.88rem;font-weight:800;text-decoration:none}.source-links a:hover{border-color:#67a9d8;background:#f2f8fd}.source-links span{margin-left:6px;color:var(--success);font-size:.7rem}.benefit-grid{margin:28px 0;display:grid;grid-template-columns:1fr 1fr;gap:12px}.benefit-grid article{padding:23px;border:1px solid var(--line);border-radius:18px;background:#fff}.benefit-grid h3{margin:0;color:var(--navy)}.benefit-grid p{margin:8px 0 0;color:var(--muted);line-height:1.65}
.faq-section{padding:92px 0;border-top:1px solid #cbdbe8}.faq-section>h2{margin-bottom:38px}.faq-section details{padding:22px 0;border-top:1px solid var(--line)}.faq-section summary{color:var(--navy);font-size:1.12rem;font-weight:900;cursor:pointer}.faq-section details p{max-width:820px;color:var(--muted);line-height:1.75}.guide-cta{margin-top:60px;padding:46px;display:grid;grid-template-columns:1fr auto;align-items:center;gap:34px;border-radius:30px;color:#fff;background:radial-gradient(circle at 10% 10%,#246ca5,transparent 32%),linear-gradient(145deg,var(--deep),var(--navy));box-shadow:var(--shadow)}.guide-cta h2{color:#fff;font-size:clamp(2.2rem,3.8vw,4rem)}.guide-cta p:last-child{max-width:690px;color:#c8dceb;line-height:1.7}.guide-cta>a{padding:14px 20px;border-radius:14px;color:var(--navy);background:#fff;font-weight:900;text-decoration:none}
.guide-footer{min-height:150px;padding:30px clamp(22px,7vw,110px);display:grid;grid-template-columns:1fr minmax(260px,1.4fr) 1fr;align-items:center;gap:30px;color:#d4e2ed;background:var(--deep)}.guide-footer .brand b{color:#fff}.guide-footer .brand small{color:#b7cad9}.guide-footer p{margin:0;text-align:center;font-size:.84rem;line-height:1.65}.guide-footer nav{display:flex;justify-content:end;flex-wrap:wrap;gap:14px}.guide-footer nav a{color:#fff;font-size:.86rem;font-weight:800}
a:focus-visible{outline:3px solid #005fcc;outline-offset:3px}@media(max-width:1000px){.guide-header{grid-template-columns:1fr auto}.guide-header nav{display:none}.guide-hero{grid-template-columns:1fr}.trust-card{max-width:720px}.topic-nav{grid-template-columns:repeat(3,1fr)}.guide-footer{grid-template-columns:1fr;text-align:center}.guide-footer .brand{justify-self:center}.guide-footer nav{justify-content:center}}@media(max-width:650px){.guide-header{min-height:72px;padding:9px 15px}.brand img{width:48px;height:48px;border-radius:14px}.brand small{display:none}.portal-link{padding:10px 12px;font-size:.78rem}.guide-hero{min-height:auto;padding:62px 18px 70px;gap:30px}.guide-hero h1{font-size:clamp(3rem,15vw,4.5rem)}.hero-actions{display:grid}.hero-actions a{width:100%}.trust-card{padding:24px}.topic-nav{padding:15px 18px;grid-template-columns:1fr 1fr}.guide-content{width:calc(100% - 36px);padding:78px 0}.steps{grid-template-columns:1fr}.steps li{min-height:auto}.topic-section{padding:72px 0}.topic-heading{grid-template-columns:52px 1fr;gap:13px}.topic-heading>span{width:48px;height:48px}.topic-body{margin:25px 0 0}.answer-box ul,.benefit-grid{grid-template-columns:1fr}.source-links{display:grid}.source-links a{width:100%}.guide-cta{padding:29px 23px;grid-template-columns:1fr}.guide-cta>a{text-align:center}.guide-footer{padding:34px 20px}}