:root{
  --cream:#F5F0E6;--paper:#FFFFFF;--card:#FFFDF9;
  --navy:#172357;--navy-2:#20306B;--ink:#232744;--body:#4E5268;--dim:#8A8DA0;
  --gold:#C4A23C;--gold-bright:#DBC045;--gold-hi:#EAD26E;--gold-deep:#6F5617;--gold-muted:#A98D47;--gold-soft:#EFE3BE;
  --line:rgba(23,35,87,0.10);
  --maxw:1180px;--art:760px;--gutter:clamp(20px,5vw,54px);--r:22px;
  --ff:"Inter Tight","Inter",system-ui,-apple-system,sans-serif;--ffb:"Inter",system-ui,sans-serif;
  --sh:0 26px 60px -30px rgba(23,35,87,0.22),0 8px 20px -12px rgba(23,35,87,0.1);
  --dots:radial-gradient(rgba(169,141,71,0.3) 1.1px,transparent 1.2px);
}
*{margin:0;padding:0;box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{font-family:var(--ffb);background:var(--cream);color:var(--body);line-height:1.7;-webkit-font-smoothing:antialiased}
.bggrad{position:fixed;inset:0;z-index:-1;pointer-events:none;background:radial-gradient(46% 36% at 90% 4%,rgba(219,192,69,0.12),transparent 60%),radial-gradient(40% 34% at 4% 30%,rgba(196,162,60,0.08),transparent 60%),var(--cream)}
img{max-width:100%;display:block}a{color:inherit;text-decoration:none}
ul,ol{list-style:none}
h1,h2,h3,h4{font-family:var(--ff);font-weight:600;line-height:1.15;letter-spacing:-0.02em;color:var(--navy);text-wrap:balance}
.wrap{width:100%;max-width:var(--maxw);margin-inline:auto;padding-inline:var(--gutter);position:relative}

.pill{display:inline-flex;align-items:center;gap:9px;font-family:var(--ff);font-size:0.78rem;font-weight:600;letter-spacing:0.02em;color:var(--gold-deep);padding:8px 16px;border-radius:999px;background:var(--paper);border:1px solid rgba(169,141,71,0.34)}
.pill .dot{width:7px;height:7px;border-radius:50%;background:var(--gold-bright);box-shadow:0 0 0 4px rgba(219,192,69,0.16)}

.btn{position:relative;display:inline-flex;align-items:center;justify-content:center;gap:10px;font-family:var(--ff);font-size:1rem;font-weight:600;padding:14px 24px;border-radius:999px;transition:transform .4s cubic-bezier(.22,1,.36,1),box-shadow .4s;overflow:hidden}
.btn .arr{transition:transform .4s}.btn:hover .arr{transform:translateX(4px)}
.btn-gold{color:#fff;text-shadow:0 1px 2px rgba(70,48,8,0.5);border:1px solid rgba(255,242,208,0.55);background:linear-gradient(180deg,#f7e4a6 0%,#e3c26c 15%,#bd9445 40%,#a67e37 51%,#b98e40 64%,#e3c374 86%,#f2dc95 100%);box-shadow:inset 0 1px 0 rgba(255,255,255,0.7),0 12px 28px -10px rgba(120,88,20,0.6)}
.btn-gold:hover{transform:translateY(-2px)}
.btn-navy{color:#fff;background:linear-gradient(180deg,#2d3a76,#1b2659 52%,#101a44);border:1px solid rgba(255,255,255,0.16);box-shadow:inset 0 1px 0 rgba(255,255,255,0.24),0 16px 34px -14px rgba(23,35,87,0.7)}
.btn-navy:hover{transform:translateY(-2px)}
.btn-ghost{background:transparent;border:1px solid var(--line);color:var(--navy)}
.btn-ghost:hover{border-color:var(--navy)}

.nav{position:sticky;top:0;z-index:100;background:rgba(245,240,230,0.86);backdrop-filter:saturate(1.3) blur(16px);box-shadow:0 1px 0 var(--line)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:18px;max-width:var(--maxw);margin-inline:auto;padding:12px var(--gutter)}
.brand{display:flex;align-items:center;gap:11px}
.brand-mark{width:42px;height:42px;border-radius:50%;background:#fff;display:grid;place-items:center;flex:none;box-shadow:0 5px 14px -6px rgba(0,0,0,.35)}
.brand-mark img{width:38px;height:38px}
.brand-name{font-family:var(--ff);font-weight:600;font-size:1rem;color:var(--navy);white-space:nowrap}
.nav-links{display:flex;gap:4px}
.nav-links a{font-size:0.93rem;font-weight:500;color:var(--body);padding:8px 14px;border-radius:999px;transition:.25s}
.nav-links a:hover{color:var(--navy);background:rgba(23,35,87,0.06)}
.nav .btn{padding:11px 20px;font-size:0.92rem}
@media(max-width:860px){.nav-links{display:none}}

.crumb{padding:22px 0 0;font-size:0.86rem;color:var(--dim)}
.crumb a:hover{color:var(--gold-deep)}
.crumb span{color:var(--gold-deep)}

.art-hero{padding:36px 0 20px;text-align:center}
.art-hero .cat{font-family:var(--ff);font-size:0.8rem;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;color:var(--gold-muted)}
.art-hero h1{font-size:clamp(2rem,4.2vw,2.9rem);font-weight:600;margin:14px auto 0;max-width:min(30ch,100%)}
.art-hero .lead{font-size:clamp(1.1rem,2vw,1.3rem);color:var(--body);margin:18px auto 0;max-width:60ch}
.art-hero .meta{margin-top:18px;font-size:0.85rem;color:var(--dim);display:flex;gap:10px 22px;justify-content:center;flex-wrap:wrap}
.art-hero .meta b{color:var(--gold-deep);font-weight:600}

.art{max-width:var(--art);margin:24px auto 0;padding-inline:var(--gutter)}
.art h2{font-size:clamp(1.5rem,3vw,2rem);font-weight:600;margin:44px 0 14px}
.art h3{font-size:1.2rem;font-weight:600;margin:28px 0 8px;color:var(--navy-2)}
.art p{font-size:1.08rem;margin:0 0 18px}
.art strong{color:var(--ink);font-weight:600}
.art .steps,.art .checks{margin:6px 0 22px;display:flex;flex-direction:column;gap:12px;counter-reset:it}
.art .steps li,.art .checks li{position:relative;padding:16px 18px 16px 60px;background:var(--card);border:1px solid var(--line);border-radius:16px;font-size:1.02rem;color:var(--ink);box-shadow:var(--sh)}
.art .steps li::before,.art .checks li::before{counter-increment:it;content:counter(it);position:absolute;left:14px;top:50%;transform:translateY(-50%);width:34px;height:34px;border-radius:10px;display:grid;place-items:center;font-family:var(--ff);font-weight:700;font-size:0.95rem;color:var(--gold-deep);background:var(--gold-soft)}
.art .steps li b,.art .checks li b{color:var(--navy)}
.art ul.dots{margin:6px 0 22px;display:flex;flex-direction:column;gap:10px}
.art ul.dots li{position:relative;padding-left:26px;font-size:1.05rem;color:var(--ink)}
.art ul.dots li::before{content:"";position:absolute;left:0;top:11px;width:14px;height:14px;border-radius:50%;background:var(--gold-soft);box-shadow:inset 0 0 0 3px var(--gold)}
.art table{width:100%;border-collapse:collapse;margin:8px 0 12px;background:var(--card);border:1px solid var(--line);border-radius:16px;overflow:hidden;box-shadow:var(--sh)}
.art th,.art td{padding:14px 18px;text-align:left;font-size:1rem;border-bottom:1px solid var(--line)}
.art th{font-family:var(--ff);color:var(--gold-deep);font-weight:600;background:rgba(219,192,69,0.08)}
.art td:last-child{text-align:right;font-family:var(--ff);font-weight:600;color:var(--navy);white-space:nowrap}
.art tr.total td{background:linear-gradient(150deg,var(--gold-soft),#f4ecce);border-bottom:none}
.art tr.total td{color:var(--gold-deep);font-size:1.08rem}
.art .note{font-size:0.86rem;color:var(--dim);font-style:italic;margin:0 0 22px}
.art .callout{background:linear-gradient(150deg,var(--gold-soft),#f6efd6);border:1px solid rgba(169,141,71,0.4);border-radius:18px;padding:22px 24px;margin:26px 0;font-size:1.06rem;color:var(--gold-deep)}
.art .callout b{color:#5a4a18}
.art-faq{margin:16px 0 8px}
.art-faq details{border-bottom:1px solid var(--line)}
.art-faq summary{list-style:none;cursor:pointer;font-family:var(--ff);font-weight:600;color:var(--navy);font-size:1.08rem;padding:18px 0;display:flex;justify-content:space-between;gap:16px}
.art-faq summary::-webkit-details-marker{display:none}
.art-faq summary::after{content:"+";color:var(--gold);font-weight:600}
.art-faq details[open] summary::after{content:"\2212"}
.art-faq p{padding:0 0 18px;color:var(--body)}

.art-cta{max-width:var(--art);margin:48px auto 0;padding:clamp(30px,4vw,44px);border-radius:var(--r);text-align:center;position:relative;overflow:hidden;background:linear-gradient(155deg,#c9ac52,#a98d47 90%);color:#fff}
.art-cta::before{content:"";position:absolute;inset:0;background:radial-gradient(rgba(255,255,255,0.5) 1.2px,transparent 1.3px);background-size:16px 16px;opacity:.2}
.art-cta h2{position:relative;color:#fff;font-size:clamp(1.5rem,3vw,2rem)}
.art-cta p{position:relative;color:rgba(255,255,255,0.9);margin:12px auto 20px;max-width:48ch}
.art-cta .btn{position:relative}
.art-disc{max-width:var(--art);margin:26px auto 0;padding-inline:var(--gutter);font-size:0.82rem;color:var(--dim)}

.footer{background:#0F1330;color:rgba(224,226,240,0.6);padding:64px 0 34px;margin-top:60px}
.fgrid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px}
.footer-logo{display:inline-flex;align-items:center;gap:11px;margin-bottom:16px}
.footer-logo .brand-name{color:#fff}
.fbrand p{font-size:0.92rem;max-width:34ch}
.fcol h4{font-family:var(--ff);font-size:0.78rem;letter-spacing:0.12em;text-transform:uppercase;color:var(--gold-bright);margin-bottom:14px}
.fcol a{display:block;font-size:0.92rem;padding:5px 0;color:rgba(224,226,240,0.6)}
.fcol a:hover{color:var(--gold-bright)}
.fbottom{display:flex;flex-wrap:wrap;justify-content:space-between;gap:14px;margin-top:44px;padding-top:22px;border-top:1px solid rgba(255,255,255,0.1);font-size:0.78rem;color:rgba(224,226,240,0.42)}
.fbottom .lgl{max-width:62ch}
@media(max-width:760px){.fgrid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.fgrid{grid-template-columns:1fr}}