:root{
  --blue:#0072BC; --blue-dark:#005A96; --blue-deep:#063A5E; --navy:#0B2239;
  --sky:#EAF4FB; --sky-2:#D6EAF7; --line:#C9E0F0; --text:#1B2A38; --muted:#51677A;
  --green:#1E9E5A; --amber:#F5A800; --white:#fff; --radius:14px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--text);background:var(--white);line-height:1.65}
h1,h2,h3,h4{font-family:"Arial Black","Segoe UI",Arial,sans-serif;font-style:italic;line-height:1.15;color:var(--navy);letter-spacing:-.2px}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
p{margin:0 0 1rem}
.container{max-width:1180px;margin:0 auto;padding:0 20px}
.topbar{background:var(--navy);color:#BFD9EC;font-size:.8rem}
.topbar .container{display:flex;justify-content:space-between;align-items:center;padding-top:6px;padding-bottom:6px;gap:12px;flex-wrap:wrap}
.badge18{display:inline-flex;align-items:center;justify-content:center;min-width:34px;height:34px;border:2px solid #fff;border-radius:50%;background:var(--blue);color:#fff;font-weight:900;font-style:italic;font-size:.85rem}
header.site{position:sticky;top:0;z-index:50;background:linear-gradient(90deg,var(--blue) 0%,var(--blue-dark) 100%);box-shadow:0 2px 14px rgba(6,58,94,.35)}
header.site .container{display:flex;align-items:center;gap:22px;flex-wrap:wrap;padding-top:10px;padding-bottom:10px}
.logo{display:flex;align-items:center;gap:10px}
.logo svg{height:40px;width:auto}
nav.main{display:flex;gap:4px;flex-wrap:wrap;margin-left:auto}
nav.main a{color:#fff;font-weight:700;font-size:.92rem;padding:8px 12px;border-radius:8px;text-decoration:none;white-space:nowrap}
nav.main a:hover,nav.main a.active{background:rgba(255,255,255,.16)}
.btn{display:inline-block;background:var(--amber);color:var(--navy);font-weight:900;font-style:italic;padding:12px 26px;border-radius:999px;border:none;cursor:pointer;font-size:1rem;box-shadow:0 4px 0 #C98A00;transition:transform .08s ease}
.btn:hover{transform:translateY(2px);box-shadow:0 2px 0 #C98A00;text-decoration:none}
.btn-ghost{display:inline-block;background:transparent;color:var(--blue);border:2px solid var(--blue);font-weight:800;font-style:italic;padding:9px 22px;border-radius:999px}
.btn-ghost:hover{background:var(--blue);color:#fff;text-decoration:none}
.hero{background:linear-gradient(135deg,var(--blue) 0%,var(--blue-dark) 55%,var(--blue-deep) 100%);color:#fff;padding:64px 0 56px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:rgba(255,255,255,.07)}
.hero:before{content:"";position:absolute;right:120px;bottom:-160px;width:300px;height:300px;border-radius:50%;background:rgba(255,255,255,.05)}
.hero h1{color:#fff;font-size:clamp(1.9rem,4.2vw,3rem);max-width:820px}
.hero .kicker{display:inline-block;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.35);padding:5px 14px;border-radius:999px;font-size:.8rem;font-weight:700;letter-spacing:.6px;text-transform:uppercase;margin-bottom:16px}
.hero p.lead{max-width:760px;font-size:1.12rem;color:#E4F2FB;margin:16px 0 26px}
.stats{display:flex;gap:14px;flex-wrap:wrap;margin:8px 0 26px}
.stat{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.25);border-radius:12px;padding:12px 18px;min-width:130px}
.stat b{display:block;font-size:1.5rem;font-style:italic;font-family:"Arial Black",Arial,sans-serif}
.stat span{font-size:.8rem;color:#CFE8F7}
.crumbs{font-size:.85rem;color:var(--muted);padding:14px 0}
.crumbs a{color:var(--blue)}
section.block{padding:44px 0}
section.block.alt{background:var(--sky)}
.grid{display:grid;gap:18px}
.grid.cols-3{grid-template-columns:repeat(3,1fr)}
.grid.cols-2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:0 3px 10px rgba(6,58,94,.06);display:flex;flex-direction:column}
.card h3{font-size:1.15rem;margin-bottom:8px}
.card h3 a{color:var(--navy)}
.card p{color:var(--muted);font-size:.95rem;flex:1}
.card .go{margin-top:14px;font-weight:800;font-style:italic}
.tag{display:inline-block;background:var(--sky-2);color:var(--blue-dark);font-size:.72rem;font-weight:800;text-transform:uppercase;letter-spacing:.5px;padding:3px 10px;border-radius:999px;margin-bottom:10px}
h2.sec{font-size:1.7rem;margin-bottom:6px}
.sec-sub{color:var(--muted);max-width:760px;margin-bottom:26px}
.listing-head{display:flex;align-items:baseline;justify-content:space-between;gap:16px;flex-wrap:wrap;margin:8px 0 20px}
.notice{background:#FFF7E6;border:1px solid #F3D9A4;border-radius:var(--radius);padding:18px 20px;font-size:.92rem;color:#6B5416;margin:22px 0}
.notice.blue{background:var(--sky);border-color:var(--line);color:var(--blue-deep)}
.tablewrap{overflow-x:auto;margin:18px 0}
table{border-collapse:collapse;width:100%;font-size:.93rem}
th{background:var(--blue);color:#fff;text-align:left;padding:10px 14px;font-style:italic}
td{padding:10px 14px;border-bottom:1px solid var(--line);vertical-align:top}
tr:nth-child(even) td{background:var(--sky)}
ul.tick,ol.num{margin:0 0 1rem 1.2rem}
ul.tick li,ol.num li{margin-bottom:.45rem}
.split{display:grid;grid-template-columns:1.4fr 1fr;gap:34px;align-items:start}
.panel{background:var(--sky);border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.panel h3{margin-bottom:10px}
.branch{background:#fff;border:1px solid var(--line);border-left:5px solid var(--blue);border-radius:12px;padding:20px 22px}
.branch h3{font-size:1.1rem;margin-bottom:6px}
.branch .meta{font-size:.9rem;color:var(--muted);margin-bottom:8px}
.branch .meta b{color:var(--text)}
.quote{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px;position:relative}
.quote:before{content:"\201C";position:absolute;top:2px;left:14px;font-size:3rem;color:var(--blue);font-family:Georgia,serif;line-height:1}
.quote p{padding-left:34px;font-style:italic;color:var(--text)}
.quote .who{margin-top:10px;font-size:.85rem;color:var(--muted);padding-left:34px}
.cta-band{background:linear-gradient(90deg,var(--blue-dark),var(--blue-deep));border-radius:var(--radius);color:#fff;padding:34px;display:flex;align-items:center;justify-content:space-between;gap:22px;flex-wrap:wrap}
.cta-band h2{color:#fff;font-size:1.5rem}
.cta-band p{color:#CFE8F7;margin:6px 0 0}
footer{background:var(--navy);color:#9FB9CC;margin-top:56px;font-size:.88rem}
footer .container{padding-top:44px;padding-bottom:30px}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:28px}
footer h4{color:#fff;font-size:.95rem;margin-bottom:12px}
footer a{color:#9FB9CC;display:block;margin-bottom:7px}
footer a:hover{color:#fff}
.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:30px;padding-top:18px;font-size:.78rem;color:#7E99AC}
@media(max-width:900px){.grid.cols-3{grid-template-columns:repeat(2,1fr)}.split{grid-template-columns:1fr}.foot-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.grid.cols-3,.grid.cols-2{grid-template-columns:1fr}.foot-grid{grid-template-columns:1fr}nav.main{width:100%;margin-left:0}}