:root{--navy:#071b36;--navy2:#0b2d57;--gold:#d7ad62;--gold2:#f0d39b;--ink:#10233b;--muted:#607087;--paper:#f5f8fb;--white:#fff;--line:#dfe6ef;--shadow:0 20px 55px rgba(7,27,54,.11)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Tahoma,"Segoe UI",Arial,sans-serif;background:var(--paper);color:var(--ink);line-height:1.95;overflow-x:hidden}a{color:inherit;text-decoration:none}.shell{width:min(1080px,calc(100% - 40px));margin:auto}.skip{position:fixed;top:-60px;right:16px;z-index:50;background:#fff;padding:10px 15px;border-radius:9px}.skip:focus{top:12px}a:focus-visible,summary:focus-visible{outline:3px solid var(--gold);outline-offset:4px}header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.95);backdrop-filter:blur(12px);border-bottom:1px solid rgba(7,27,54,.09)}header nav{height:72px;display:flex;align-items:center;justify-content:space-between;gap:18px}.brand{display:flex;align-items:center;gap:11px;font-weight:800;color:var(--navy)}.mark{width:42px;height:42px;border-radius:13px;background:var(--navy);display:grid;place-items:center;color:var(--gold);font-size:20px}.back{font-size:14px;color:#506178}.nav-cta,.primary{display:inline-block;background:linear-gradient(135deg,var(--gold2),var(--gold));color:#172235;border-radius:12px;padding:10px 18px;font-weight:800}.hero,.hub-hero{background:radial-gradient(circle at 15% 20%,rgba(215,173,98,.19),transparent 28%),linear-gradient(120deg,#06172f,#0b2f5c);color:#fff;padding:76px 0 68px}.crumb{font-size:13px;color:#b9c6d6}.crumb a{color:var(--gold2)}.flag{display:block;font-size:36px;margin-top:20px}h1{font-size:clamp(34px,5vw,56px);line-height:1.42;margin:10px 0 18px}.lead,.hub-hero p{font-size:18px;color:#d5e0ee;max-width:820px;margin:0}.review{color:#aebed1;font-size:13px;margin:18px 0 0}.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:42px;align-items:start;padding-top:55px;padding-bottom:70px}.article>section{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px 31px;margin-bottom:18px}.article h2{font-size:25px;line-height:1.55;color:var(--navy);margin:0 0 12px}.article p{margin:0;color:#415269}.summary{background:#edf3f9!important;border-right:4px solid var(--gold)!important}.summary ul{margin:10px 0 0;padding-right:22px}.summary li{margin:5px 0}.faqs{display:grid;gap:10px}.faqs details{border-top:1px solid var(--line);padding:13px 0}.faqs summary{cursor:pointer;font-weight:800;color:var(--navy)}.faqs p{margin-top:8px}.sources ol{padding-right:22px;margin:15px 0 0}.sources a{color:#8a5c16;text-decoration:underline;text-underline-offset:4px}.side{position:sticky;top:92px;display:grid;gap:16px}.side-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:21px;box-shadow:var(--shadow)}.side-card strong{display:block;color:var(--navy);font-size:17px;margin-bottom:10px}.side-card>a:not(.primary){display:block;border-top:1px solid var(--line);padding:9px 0;font-size:13px;color:var(--muted)}.side-card p{font-size:14px;color:var(--muted)}.side-card.gold{background:#fff9ee;border-color:#ead2a9}.related{background:#eaf0f6;padding:58px 0}.related h2{color:var(--navy);margin:0 0 22px}.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}.related-grid a{display:grid;gap:6px;background:#fff;border:1px solid var(--line);border-radius:17px;padding:21px}.related-grid span{font-size:27px}.related-grid strong{line-height:1.65;color:var(--navy)}.related-grid small{color:#966621}.hub-hero{text-align:center}.hub-hero p{margin:auto}.kicker{color:var(--gold2);font-weight:800;font-size:13px}.hub{padding:65px 0}.hub-intro{max-width:750px;margin-bottom:35px}.hub-intro h2{color:var(--navy);font-size:30px;margin:0 0 8px}.hub-intro p{color:var(--muted)}.guide-grid{display:grid;grid-template-columns:1fr 1fr;gap:17px}.guide-card{display:flex;gap:17px;background:#fff;border:1px solid var(--line);border-radius:20px;padding:24px;transition:.2s}.guide-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#d8bd8e}.guide-card>span{font-size:32px}.guide-card small{color:#9a6924}.guide-card h2{font-size:19px;line-height:1.65;color:var(--navy);margin:5px 0}.guide-card p{font-size:14px;color:var(--muted);margin:0 0 8px}.guide-card b{font-size:13px;color:#956622}footer{background:#041327;color:#adbbcd;padding:31px 0}.foot{display:flex;justify-content:space-between;gap:24px;align-items:center}.foot strong{color:#fff}@media(max-width:850px){.article-grid{grid-template-columns:1fr}.side{position:static;grid-template-columns:1fr 1fr}.guide-grid{grid-template-columns:1fr}.related-grid{grid-template-columns:1fr 1fr}.back{display:none}}@media(max-width:570px){.shell{width:min(100% - 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