:root{--navy:#1b2a4a;--navy2:#24365e;--red:#b22234;--cream:#fbf9f4;--ink:#1d2330;--muted:#4b5468;--line:#d9dce3;--gold:#c99a2e;--focus:#ffbf47;font-size:106.25%}*{box-sizing:border-box}body{margin:0;font-family:system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;line-height:1.65;color:var(--ink);background:var(--cream)}.wrap{max-width:46rem;margin:0 auto;padding:0 1.1rem}a{color:#1f4fa3;text-underline-offset:2px}a:hover{color:var(--red)}:focus-visible{outline:3px solid var(--focus);outline-offset:2px}.skip{position:absolute;left:-999px}.skip:focus{left:1rem;top:1rem;background:#fff;padding:.5rem;z-index:9}.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}.notice-bar{background:#fff4d6;color:#3a2c00;border-bottom:3px solid var(--gold);font-size:.95rem;text-align:center;padding:.6rem 1rem;line-height:1.4}.site-header{background:var(--navy);color:#fff}.header-inner{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;padding-top:.7rem;padding-bottom:.7rem;max-width:72rem}.brand{color:#fff;text-decoration:none;font-weight:800;font-size:1.35rem;letter-spacing:.2px}.brand span{color:#f3c9cf}.brand-star{color:var(--gold)}.nav-toggle summary{cursor:pointer;list-style:none;border:1px solid #ffffff66;border-radius:6px;padding:.3rem .8rem}.nav-toggle summary::-webkit-details-marker{display:none}.nav-toggle nav ul{list-style:none;margin:.6rem 0 0;padding:0}.nav-toggle nav a{color:#fff;display:block;padding:.45rem 0;text-decoration:none}.nav-toggle nav a[aria-current]{text-decoration:underline;text-decoration-color:var(--gold);text-decoration-thickness:3px}@media(min-width:60rem){.nav-toggle summary{display:none}.nav-toggle nav ul{display:flex;gap:1.1rem;margin:0;flex-wrap:wrap}.nav-toggle nav a{font-size:.92rem}}.stripe{height:5px;background:linear-gradient(90deg,var(--red) 0 33%,#fff 33% 66%,var(--navy2) 66%)}main{padding:1.5rem 1.1rem 3rem}h1{font-size:2rem;line-height:1.2;color:var(--navy);margin:.5rem 0 .6rem}h2{color:var(--navy);margin-top:2rem;font-size:1.35rem}h3{font-size:1.1rem}.disclaimer-inline{font-size:.85rem;color:var(--muted);border-left:4px solid var(--gold);background:#fff;padding:.5rem .8rem}.callout{background:#fff;border:1px solid var(--line);border-left:5px solid var(--red);padding:.8rem 1rem;border-radius:6px;margin:1.2rem 0}.callout.blue{border-left-color:var(--navy2)}table{border-collapse:collapse;width:100%;background:#fff;font-size:.95rem}th,td{border:1px solid var(--line);padding:.5rem;text-align:left;vertical-align:top}th{background:#eef0f5}.sources{margin-top:2.5rem;border-top:2px solid var(--line);font-size:.92rem}.ad-slot{margin:2rem 0;min-height:100px;border:1px solid #e3e5ea;display:flex;align-items:center;justify-content:center;color:#8a90a0;font-size:.8rem;background:#fff}.newsletter{background:var(--navy);color:#fff;border-radius:10px;padding:1.2rem;margin:2rem 0}.newsletter h2{color:#fff;margin-top:0}.newsletter form{display:flex;gap:.5rem;flex-wrap:wrap}.newsletter input{flex:1 1 14rem;padding:.6rem;border-radius:6px;border:0;font-size:1rem}button{background:var(--red);color:#fff;border:0;border-radius:6px;padding:.6rem 1.1rem;font-weight:700;font-size:1rem;cursor:pointer}button:disabled{opacity:.55;cursor:not-allowed}.small{font-size:.85rem}.hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;border-radius:12px;padding:2rem 1.3rem;margin-bottom:1.5rem;position:relative;overflow:hidden}.hero h1{color:#fff;font-size:2.1rem}.hero p{font-size:1.1rem;max-width:36rem}.hero:after{content:"★ ★ ★";position:absolute;right:1rem;bottom:.4rem;color:#fff2;font-size:3rem;letter-spacing:.3rem}.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(15rem,1fr));gap:.9rem;margin:1rem 0}.card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--red);border-radius:8px;padding:1rem;text-decoration:none;color:var(--ink)}.card:nth-child(2n){border-top-color:var(--navy2)}.card strong{display:block;color:var(--navy);font-size:1.05rem}.card:hover{box-shadow:0 3px 12px #0002}.site-footer{background:var(--navy);color:#dfe3ec;font-size:.9rem;padding-bottom:1.5rem}.site-footer a{color:#fff}.site-footer .wrap{padding-top:1.2rem}.footer-links{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:1rem}details.faq{background:#fff;border:1px solid var(--line);border-radius:6px;padding:.6rem .9rem;margin:.5rem 0}details.faq summary{font-weight:700;cursor:pointer;color:var(--navy)}.chat{background:#fff;border:2px solid var(--navy);border-radius:10px;padding:1rem;margin:2rem 0}.chat textarea{width:100%;font-size:1rem;padding:.5rem}@media(max-width:40rem){table{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch;font-size:.88rem}th,td{min-width:9rem}}ol.steps{padding-left:1.2rem}ol.steps>li{background:#fff;border:1px solid var(--line);border-left:5px solid var(--navy2);border-radius:6px;padding:.2rem 1rem .6rem;margin:.8rem 0}ol.steps h3{margin:.5rem 0 .2rem;color:var(--navy)}.rules li{margin:.3rem 0}.cookie-notice{position:fixed;left:.6rem;right:.6rem;bottom:.6rem;max-width:40rem;margin:0 auto;background:#fff;border:2px solid var(--navy);border-radius:10px;padding:.8rem 1rem;box-shadow:0 6px 24px #0003;z-index:50;font-size:.92rem}.cookie-notice button.secondary{background:#fff;color:var(--navy);border:1px solid var(--navy)}.ad-label{display:block;font-size:.7rem;color:#8a90a0;text-transform:uppercase;letter-spacing:.05em}.ad-slot{flex-direction:column}.footer-notva{background:#ffffff14;border:2px solid var(--gold);border-radius:8px;padding:.7rem .9rem;font-size:1rem;color:#fff}