:root{
  --bg:#F5F6F8; --surface:#FFFFFF; --band:#E7E3DA; --ink:#121C2B; --muted:#4E5868; --line:#D5D9E0;
  --accent:#23409A; --accent-ink:#FFFFFF; --accent-soft:#E3E8F6;
  --display:"Spectral", Georgia, "Times New Roman", serif;
  --body:"Public Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --step-1:1.2rem; --step-2:1.5rem; --step-3:2rem; --step-4:clamp(2.1rem,5vw,3.2rem);
}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){
  --bg:#0E1420; --surface:#151D2B; --band:#1B2433; --ink:#E9ECF2; --muted:#A6AFBE; --line:#2A3445;
  --accent:#8FA8F0; --accent-ink:#0E1420; --accent-soft:#1E2A47; color-scheme:dark}}
:root[data-theme="dark"]{
  --bg:#0E1420; --surface:#151D2B; --band:#1B2433; --ink:#E9ECF2; --muted:#A6AFBE; --line:#2A3445;
  --accent:#8FA8F0; --accent-ink:#0E1420; --accent-soft:#1E2A47; color-scheme:dark}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--body);font-size:1rem;line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:var(--accent)}
a:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
h1,h2,h3{font-family:var(--display);font-weight:500;line-height:1.15;text-wrap:balance;margin:0}
p{margin:0}
.wrap{max-width:1120px;margin:0 auto;padding-left:max(16px, env(safe-area-inset-left, 0px));padding-right:max(16px, env(safe-area-inset-right, 0px))}
.eyebrow{font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;font-weight:600;color:var(--muted)}
.btn{display:inline-flex;align-items:center;gap:.5rem;padding:.8rem 1.25rem;border-radius:6px;font-weight:600;text-decoration:none;font-size:.95rem;border:1px solid transparent}
.btn-primary{background:var(--accent);color:var(--accent-ink)}
.btn-ghost{border-color:var(--line);color:var(--ink);background:transparent}
@media (prefers-reduced-motion:no-preference){.btn{transition:transform .15s ease}.btn:hover{transform:translateY(-1px)}}

header.site{position:sticky;top:env(safe-area-inset-top,0px);z-index:5;background:var(--surface);border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding-block:.85rem}
.brand{display:flex;flex-direction:column;line-height:1.1;text-decoration:none;color:var(--ink)}
.brand b{font-family:var(--display);font-weight:600;font-size:1.35rem}
.brand span{font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-top:.2rem}
nav.main{display:flex;align-items:center;gap:1.4rem;font-size:.92rem}
nav.main a{color:var(--ink);text-decoration:none}
nav.main a.btn{color:var(--accent-ink)}
nav.main .dd{position:relative;display:flex;align-items:center}
nav.main .dd-top::after{content:"";display:inline-block;width:.38em;height:.38em;margin-left:.4em;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:translateY(-.2em) rotate(45deg);opacity:.7}
nav.main .dd-menu{position:absolute;top:100%;left:-1rem;padding-top:.65rem;display:none;z-index:20}
nav.main .dd-menu a{display:block;white-space:nowrap;background:var(--surface);border:1px solid var(--line);border-radius:8px;padding:.7rem 1rem;box-shadow:0 10px 28px rgba(18,28,43,.14)}
nav.main .dd-menu a:hover,nav.main .dd-menu a[aria-current="page"]{color:var(--accent)}
nav.main .dd:hover .dd-menu,nav.main .dd:focus-within .dd-menu{display:block}
@media (max-width:760px){nav.main a:not(.btn){display:none}nav.main .dd{display:none}}
@media (max-width:760px){nav.main{gap:.9rem}nav.main a.pay-link{display:inline;font-size:.85rem;font-weight:600;white-space:nowrap}}
@media (max-width:760px){nav.main a.lang-link{display:inline;font-size:.85rem;font-weight:600}}
@media (max-width:560px){header.site .wrap{flex-wrap:wrap;row-gap:.6rem}header.site nav.main{width:100%;justify-content:space-between;gap:.6rem}nav.main a.btn{white-space:nowrap;padding-left:.8rem;padding-right:.8rem}}

.intro{background:var(--band);padding-block:clamp(2.25rem,6vw,4rem)}
.intro h1{font-size:var(--step-4);margin-top:.6rem;max-width:22ch}
.intro .lede{font-size:var(--step-1);color:var(--muted);margin-top:.9rem;max-width:60ch}
.intro .body{margin-top:1.25rem;max-width:68ch;display:grid;gap:1rem}
.intro .ctas{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1.75rem}

.layout{display:grid;grid-template-columns:240px minmax(0,1fr);gap:clamp(1.5rem,4vw,3.5rem);padding-block:clamp(2.25rem,5vw,3.5rem)}
.toc{position:sticky;top:5.5rem;align-self:start;font-size:.9rem}
.toc ol{list-style:none;margin:.75rem 0 0;padding:0;border-left:1px solid var(--line)}
.toc li a{display:block;padding:.3rem 0 .3rem .9rem;color:var(--muted);text-decoration:none}
.toc li a:hover{color:var(--accent)}
@media (max-width:900px){.layout{grid-template-columns:1fr}.toc{position:static;background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:1rem 1.25rem}}

article{max-width:70ch;min-width:0}
article section{padding-block:1.75rem;border-top:1px solid var(--line);scroll-margin-top:5.5rem}
article section:first-child{border-top:0;padding-top:0}
article h2{font-size:var(--step-3)}
article p, article ul, article ol{margin-top:1rem}
article ul, article ol{padding-left:1.25rem}
article li{margin-top:.5rem}
.deadline{display:inline-block;margin-top:.9rem;background:var(--accent-soft);color:var(--ink);border-radius:6px;padding:.45rem .8rem;font-size:.93rem}
.deadline em{font-style:normal;font-weight:600;color:var(--accent)}
.note{background:var(--surface);border:1px solid var(--line);border-left:4px solid var(--accent);border-radius:8px;padding:1rem 1.25rem;margin-top:1.25rem}
.note p:first-child{margin-top:0}

table{width:100%;border-collapse:collapse;margin-top:1.25rem;font-size:.95rem;background:var(--surface);border:1px solid var(--line);border-radius:10px;overflow:hidden}
th,td{text-align:left;padding:.75rem 1rem;border-top:1px solid var(--line);vertical-align:top}
thead th{border-top:0;font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);font-weight:600;background:var(--accent-soft)}
tbody th{font-weight:600}
@media (max-width:640px){
  table, thead, tbody, tr, th, td{display:block}
  thead{display:none}
  tbody tr{border-top:1px solid var(--line);padding:.75rem 1rem}
  tbody tr:first-child{border-top:0}
  tbody th, tbody td{border:0;padding:0}
  tbody td{color:var(--muted);margin-top:.15rem}
}
.disclaimer{font-size:.9rem;color:var(--muted);font-style:italic;margin-top:1.25rem}

.contact-card{background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:1.25rem 1.5rem;margin-top:1.25rem;display:grid;gap:.4rem}
.contact-card b{font-family:var(--display);font-size:1.15rem;font-weight:600}

footer.site{padding-block:2rem;font-size:.85rem;color:var(--muted);border-top:1px solid var(--line)}
footer.site .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;gap:1rem}