:root{--navy:#0d2b5e;--red:#8b0000;--white:#fff;--off-white:#f8f7f4;--grey-light:#f2f1ee;--grey-mid:#d8d6d0;--grey-text:#555550;--serif:Georgia, "Times New Roman", serif;--border-radius:8px;--shadow:0 2px 12px #00000014;--max-width:1200px}*,:before,:after{box-sizing:border-box}body{color:#333;background:var(--white);margin:0;font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,sans-serif;font-size:16px;line-height:1.6}img{max-width:100%;display:block}a{color:var(--navy)}a:hover{color:var(--red)}h1,h2,h3,h4,h5,h6{font-family:var(--serif);color:var(--navy);margin-top:0;line-height:1.25}.container{max-width:var(--max-width);margin:0 auto;padding:0 2rem}.container--narrow{max-width:760px;margin:0 auto;padding:0 2rem}.section{padding:5rem 0}.section--grey{background:var(--grey-light)}.page-hero{background:linear-gradient(135deg, var(--navy) 0%, #1a3d7c 100%);color:var(--white);padding:5rem 0 4rem}.page-hero h1{color:var(--white);margin-bottom:1rem;font-size:clamp(1.8rem,4vw,3rem)}.page-hero p{opacity:.9;max-width:640px;margin:0;font-size:1.15rem}.grid-2{grid-template-columns:repeat(2,1fr);gap:2rem;display:grid}.grid-3{grid-template-columns:repeat(3,1fr);gap:2rem;display:grid}@media (width<=768px){.grid-2,.grid-3{grid-template-columns:1fr}}.card{background:var(--white);border-radius:var(--border-radius);box-shadow:var(--shadow);padding:2rem}.card--red-top{border-top:4px solid var(--red)}.card--navy-top{border-top:4px solid var(--navy)}.btn{border-radius:var(--border-radius);cursor:pointer;border:2px solid #0000;padding:.75rem 1.75rem;font-size:1rem;font-weight:600;text-decoration:none;transition:all .2s;display:inline-block}.btn--primary{background:var(--navy);color:var(--white);border-color:var(--navy)}.btn--primary:hover{color:var(--white);background:#0a2250;border-color:#0a2250}.btn--outline{color:var(--navy);border-color:var(--navy);background:0 0}.btn--outline:hover{background:var(--navy);color:var(--white)}.btn--white{background:var(--white);color:var(--navy);border-color:var(--white)}.btn--white:hover{background:var(--off-white)}.label{letter-spacing:.08em;text-transform:uppercase;color:var(--navy);margin-bottom:.5rem;font-size:.75rem;font-weight:700;display:inline-block}.label--white{color:#ffffffb3}.divider{background:var(--red);width:48px;height:3px;margin:1rem 0 1.5rem}.check-list{margin:0;padding:0;list-style:none}.check-list li{padding:.4rem 0 .4rem 1.75rem;position:relative}.check-list li:before{content:"✓";color:var(--red);font-weight:700;position:absolute;left:0}.image-frame{border-radius:var(--border-radius);overflow:hidden}.image-frame img{object-fit:cover;width:100%;height:100%}.tldr-box{border-radius:var(--border-radius);border-left:4px solid var(--navy);background:#0d2b5e0d;margin-bottom:2rem;padding:1.25rem 1.75rem}.tldr-label{text-transform:uppercase;letter-spacing:.08em;color:var(--navy);margin:0 0 .35rem;font-size:.75rem;font-weight:700;display:block}.form-group{margin-bottom:1.25rem}.form-group label{margin-bottom:.4rem;font-size:.9rem;font-weight:600;display:block}.form-group input,.form-group select,.form-group textarea{border:1px solid var(--grey-mid);border-radius:var(--border-radius);width:100%;padding:.75rem 1rem;font-family:inherit;font-size:1rem;transition:border-color .2s}.form-group input:focus,.form-group select:focus,.form-group textarea:focus{border-color:var(--navy);outline:none}.form-group textarea{resize:vertical;min-height:120px}.breadcrumbs{color:var(--grey-text);margin-bottom:1.5rem;font-size:.85rem}.breadcrumbs a{color:var(--grey-text);text-decoration:none}.breadcrumbs a:hover{text-decoration:underline}.breadcrumbs span+span:before{content:" / "}.article-body{color:#2c2c2c;font-size:1.05rem;line-height:1.8}.article-body h2{margin:2.5rem 0 1rem;font-size:1.5rem}.article-body h3{margin:2rem 0 .75rem;font-size:1.2rem}.article-body p{margin:0 0 1.25rem}.article-body ul,.article-body ol{margin:0 0 1.25rem;padding-left:1.5rem}.article-body li{margin-bottom:.4rem}.disclaimer{border-radius:var(--border-radius);color:#555;background:#fff8e1;border:1px solid #ffe082;margin:2rem 0;padding:1rem 1.25rem;font-size:.85rem}.steps{counter-reset:steps;margin:0;padding:0;list-style:none}.steps li{counter-increment:steps;background:var(--white);border-radius:var(--border-radius);box-shadow:var(--shadow);margin-bottom:1rem;padding:1.5rem 1.5rem 1.5rem 4rem;position:relative}.steps li:before{content:counter(steps);background:var(--navy);color:#fff;border-radius:50%;justify-content:center;align-items:center;width:2rem;height:2rem;font-size:.85rem;font-weight:700;display:flex;position:absolute;top:1.5rem;left:1rem}