:root{--navy:#14213d;--navy2:#1f3157;--gold:#c99a2e;--ink:#1b1f27;--muted:#5b6475;--line:#e3e6ec;--bg:#f6f7f9;--ok:#1e7a46;--okbg:#e8f5ee;--warn:#8a5a00;--warnbg:#fff6e0;--radius:12px}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;font-family:ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Helvetica Neue,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.55;font-size:16px}a{color:var(--navy2)}a:hover{color:#000}.wrap{max-width:1040px;margin:0 auto;padding:0 18px}header.site{background:var(--navy);color:#fff}header.site .wrap{justify-content:space-between;gap:12px;min-height:60px;flex-wrap:wrap}.brand,header.site .wrap{display:flex;align-items:center}.brand{gap:10px;color:#fff;text-decoration:none;font-weight:800;letter-spacing:-.01em;font-size:19px}.brand .mark{width:30px;height:30px;border-radius:8px;background:var(--gold);color:var(--navy);display:grid;place-items:center;font-size:14px;font-weight:900}.brand small{display:block;font-weight:500;opacity:.75;font-size:11.5px;letter-spacing:.02em}nav.top a{color:#dfe5f2;text-decoration:none;margin-left:16px;font-size:14.5px}.hero,nav.top a:hover{color:#fff}.hero{background:linear-gradient(180deg,var(--navy) 0,var(--navy2) 100%);padding:36px 0 44px}.hero h1{font-size:clamp(26px,5vw,40px);line-height:1.15;margin:0 0 10px;letter-spacing:-.02em}.hero p.lead{font-size:17px;color:#d6dcea;max-width:640px;margin:0 0 22px}.picker{background:#fff;color:var(--ink);border-radius:var(--radius);padding:18px;display:grid;grid-gap:12px;gap:12px;grid-template-columns:1fr;box-shadow:0 10px 30px rgba(0,0,0,.18)}@media(min-width:760px){.picker{grid-template-columns:1.1fr 1fr 1fr auto auto;align-items:end}}.picker label{font-size:12.5px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.05em;display:block;margin-bottom:5px}input[type=email],select{width:100%;font:inherit;padding:11px 12px;border:1px solid #cfd5df;border-radius:9px;background:#fff;min-height:46px}.chk{display:flex;gap:8px;align-items:center;font-weight:600;min-height:46px;white-space:nowrap}.chk input{width:20px;height:20px}.btn{font:inherit;font-weight:700;border:0;border-radius:9px;padding:12px 18px;background:var(--gold);color:var(--navy);cursor:pointer;min-height:46px;text-decoration:none;display:inline-block;text-align:center}.btn:hover{filter:brightness(1.05)}.btn.dark{background:var(--navy);color:#fff}main{padding:28px 0 40px}.crumbs{font-size:13.5px;margin-bottom:8px}.crumbs,.crumbs a{color:var(--muted)}h1.page{font-size:clamp(24px,4.5vw,34px);margin:0 0 6px;letter-spacing:-.02em;color:var(--navy)}.sub{color:var(--muted);margin:0 0 18px}.grid3{display:grid;grid-gap:14px;gap:14px;grid-template-columns:1fr}@media(min-width:760px){.grid3{grid-template-columns:repeat(3,1fr)}}.tile{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px}.tile h3{margin:0 0 6px;color:var(--navy);font-size:17px}.tile p{margin:0;color:var(--muted);font-size:15px}.filterbar{position:-webkit-sticky;position:sticky;top:0;z-index:5;background:var(--bg);padding:10px 0;display:flex;gap:10px;flex-wrap:wrap;align-items:center;border-bottom:1px solid var(--line);margin-bottom:14px}.filterbar select{width:auto;min-width:150px}.count{font-size:14px;color:var(--muted);margin-left:auto}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px 18px 14px;margin-bottom:14px}.card.dim{opacity:.55}.card h3{margin:0 0 4px;font-size:18px;color:var(--navy);line-height:1.3}.badges{display:flex;gap:6px;flex-wrap:wrap;margin:6px 0 10px}.badge{font-size:12px;font-weight:700;padding:3px 9px;border-radius:999px;background:#eef1f6;color:var(--navy2)}.badge.rate{background:var(--navy);color:#fff}.badge.yes{background:var(--okbg);color:var(--ok)}.badge.no{background:var(--warnbg);color:var(--warn)}.card .summary{margin:0 0 10px;font-size:15.5px}dl.facts{display:grid;grid-template-columns:1fr;grid-gap:8px 16px;gap:8px 16px;margin:0;font-size:14.5px}@media(min-width:760px){dl.facts{grid-template-columns:140px 1fr}}dl.facts dt{font-weight:700;color:var(--muted)}dl.facts dd{margin:0}.srcline{margin-top:12px;padding-top:10px;border-top:1px dashed var(--line);font-size:13px;color:var(--muted);display:flex;gap:6px 14px;flex-wrap:wrap}.notice{background:var(--warnbg);border:1px solid #f0d9a0;color:#5c4300;border-radius:10px;padding:12px 14px;font-size:14.5px;margin:0 0 16px}.office{background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:10px;padding:14px 16px;margin-bottom:12px;font-size:15px}.office h3{margin:0 0 4px;font-size:16px;color:var(--navy)}.news{background:var(--navy);color:#fff;border-radius:var(--radius);padding:22px;margin:28px 0 0}.news h2{margin:0 0 6px;font-size:21px}.news p{color:#cfd7e8;margin:0 0 14px}.news form{display:flex;gap:10px;flex-wrap:wrap}.news form input{flex:1 1 220px}.news small{display:block;margin-top:8px;color:#aab6cf}footer.site{background:#0e1830;color:#b8c2d6;font-size:13.5px;padding:26px 0 34px}footer.site a{color:#dfe5f2}footer.site strong{color:#fff}.disclaimer{border:1px solid #2a3b62;border-radius:10px;padding:12px 14px;margin-bottom:14px;color:#dfe5f2}h2.section{color:var(--navy);font-size:21px;margin:26px 0 10px}.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;grid-gap:10px;gap:10px}.steps li{background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 14px 12px 48px;position:relative}.steps li:before{counter-increment:s;content:counter(s);position:absolute;left:14px;top:12px;width:24px;height:24px;border-radius:50%;background:var(--gold);color:var(--navy);font-weight:800;display:grid;place-items:center;font-size:13px}.badge.auto{background:#f1ecff;color:#4b2f9a}