:root {
  --navy: #09253a;
  --ink: #183041;
  --muted: #627580;
  --paper: #f5f2eb;
  --white: #fff;
  --copper: #b67a49;
  --sea: #dbe9ec;
  --line: #d5dddf;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font: 16px/1.65 Arial, Helvetica, sans-serif;
}
a { color: inherit; }
.topbar {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  padding: .6rem clamp(1rem, 4vw, 4.5rem);
  background: var(--navy);
  color: #d8e3e8;
  font-size: .82rem;
}
.topbar a { text-decoration: none; }
header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 96px;
  padding: 1rem clamp(1rem, 4vw, 4.5rem);
  border-bottom: 1px solid rgba(9,37,58,.1);
}
.brand { display: inline-flex; align-items: center; color: var(--navy); text-decoration: none; }
.brand-logo { display: block; width: clamp(138px, 16vw, 192px); height: auto; }
.brand-main {
  display: block;
  font: 700 clamp(1.4rem, 3vw, 2rem)/1 Arial, Helvetica, sans-serif;
  letter-spacing: .12em;
}
.brand-sub {
  display: block;
  margin-top: .4rem;
  color: var(--copper);
  font-size: .7rem;
  letter-spacing: .2em;
  text-transform: uppercase;
}
.header-actions { display: flex; align-items: center; justify-content: flex-end; gap: .65rem; }
.back {
  padding: .7rem 1rem;
  border: 1px solid rgba(9,37,58,.18);
  border-radius: 999px;
  text-decoration: none;
  font-weight: 700;
}
.service-link {
  padding: .7rem 1rem;
  border-radius: 999px;
  background: var(--navy);
  color: var(--white);
  text-decoration: none;
  font-weight: 700;
}
.service-return { margin: 1.1rem 0; }
.service-return a { color: var(--navy); font-weight: 700; text-underline-offset: .2em; }
.hero {
  padding: clamp(3rem, 8vw, 7rem) clamp(1rem, 8vw, 9rem);
  background: var(--navy);
  color: #e5eef1;
}
.hero-inner { max-width: 980px; margin: 0 auto; }
.breadcrumb { margin-bottom: 2.5rem; color: #bdcbd1; font-size: .86rem; }
.breadcrumb a { text-decoration: none; }
.eyebrow {
  margin: 0 0 .7rem;
  color: var(--copper);
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: .18em;
  text-transform: uppercase;
}
h1, h2, h3 { color: var(--navy); font-family: Arial, Helvetica, sans-serif; line-height: 1.12; }
h1 { max-width: 900px; margin: 0; color: var(--white); font-size: clamp(2.4rem, 6vw, 5.2rem); }
.lead { max-width: 760px; margin: 1.5rem 0 0; font-size: clamp(1.05rem, 2vw, 1.3rem); }
.article-wrap {
  display: grid;
  grid-template-columns: minmax(180px, 260px) minmax(0, 760px);
  gap: clamp(2rem, 6vw, 6rem);
  max-width: 1120px;
  margin: 0 auto;
  padding: clamp(3rem, 7vw, 6rem) clamp(1rem, 4vw, 3rem);
}
.toc { position: sticky; top: 1.5rem; align-self: start; padding: 1.25rem; background: var(--white); border-radius: 18px; }
.toc strong { display: block; margin-bottom: .6rem; }
.toc a { display: block; padding: .35rem 0; color: var(--muted); text-decoration: none; }
.article h2 { margin: 3.2rem 0 1rem; font-size: clamp(1.7rem, 3vw, 2.35rem); }
.article h2:first-child { margin-top: 0; }
.article h3 { margin-top: 1.7rem; font-size: 1.2rem; }
.article p { margin: 0 0 1.1rem; }
.article ul, .article ol { padding-left: 1.25rem; }
.article li { margin-bottom: .6rem; }
.note { margin: 1.8rem 0; padding: 1.3rem 1.4rem; border-left: 4px solid var(--copper); background: var(--sea); }
.checklist { display: grid; gap: .7rem; padding: 0; list-style: none; }
.checklist li { position: relative; padding: .85rem 1rem .85rem 2.6rem; background: var(--white); border: 1px solid var(--line); border-radius: 12px; }
.checklist li::before { content: "✓"; position: absolute; left: 1rem; color: var(--copper); font-weight: 900; }
.cta { margin-top: 3rem; padding: clamp(1.5rem, 4vw, 2.6rem); border-radius: 22px; background: var(--navy); color: #e5eef1; }
.cta h2 { margin-top: 0; color: var(--white); }
.button { display: inline-flex; margin-top: .5rem; padding: .85rem 1.1rem; border-radius: 999px; background: var(--copper); color: var(--white); text-decoration: none; font-weight: 800; }
.cta-actions { display: flex; flex-wrap: wrap; gap: .65rem; }
.button-secondary { color: var(--white); background: transparent; border: 1px solid rgba(255,255,255,.75); }
.hub-wrap { max-width: 1120px; margin: 0 auto; padding: clamp(3rem, 7vw, 6rem) clamp(1rem, 4vw, 3rem); }
.hub-intro { max-width: 760px; margin-bottom: 2rem; }
.guide-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem; }
.guide-card { display: block; padding: clamp(1.3rem, 3vw, 2rem); border: 1px solid var(--line); border-radius: 18px; background: var(--white); text-decoration: none; }
.guide-card h2 { margin: .45rem 0 .8rem; font-size: clamp(1.45rem, 3vw, 2rem); }
.guide-card p { margin: 0 0 1rem; color: var(--muted); }
.guide-card strong { color: var(--copper); }
footer { display: flex; justify-content: space-between; gap: 1rem; padding: 2rem clamp(1rem, 4vw, 4.5rem); background: #061d2d; color: #c8d5da; font-size: .84rem; }
footer a { color: inherit; }
@media (max-width: 760px) {
  .topbar { display: none; }
  header { align-items: flex-start; gap: .75rem; }
  .header-actions { flex-direction: column; align-items: stretch; gap: .45rem; }
  .back, .service-link { padding: .55rem .75rem; font-size: .82rem; text-align: center; }
  .article-wrap { grid-template-columns: 1fr; }
  .toc { position: static; }
  .guide-grid { grid-template-columns: 1fr; }
  footer { flex-direction: column; }
}