:root{
--navy:#0b2042;--teal:#08b9b4;--teal2:#087e75;--yellow:#ffc514;--pink:#f61b70;
--bg:#f5f9fb;--white:#fff;--text:#17243b;--muted:#617087;--line:#dbe4eb;--shadow:0 14px 40px rgba(15,43,75,.10);--r:22px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--text);font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;line-height:1.65}
img{max-width:100%;height:auto}a{color:#087e75;text-decoration:none}a:hover{text-decoration:underline}
.wrap{width:min(1180px,calc(100% - 32px));margin:auto}
.gov-disclaimer{background:var(--navy);color:#eef6ff;text-align:center;padding:7px 14px;font-size:12px}
.header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}
.navline{height:76px;display:flex;align-items:center;justify-content:space-between;gap:22px}
.logo{display:flex;align-items:center;gap:10px;color:var(--navy);font-size:19px;white-space:nowrap}.logo:hover{text-decoration:none}
.logo-icon{display:grid;place-items:center;width:41px;height:41px;border-radius:14px;background:linear-gradient(145deg,var(--teal2),var(--teal));color:#fff;font-weight:900}.dot{color:var(--teal)}
.menu{display:flex;align-items:center;gap:3px}.menu a{color:#334157;padding:10px 10px;border-radius:10px;font-size:13px;font-weight:750}
.menu a:hover,.menu a.on{background:#e5f8f7;color:#087e75;text-decoration:none}.hamb{display:none;border:0;background:#e8f7f6;border-radius:10px;padding:8px 11px;font-size:20px}
.hero{background:radial-gradient(circle at 80% 15%,#c7f5f1 0,transparent 30%),linear-gradient(180deg,#fff,#f4fafb);padding:72px 0 60px}
.herogrid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}.badge,.tag{display:inline-flex;background:#dcf8f5;color:#056e68;border-radius:999px;padding:6px 11px;font-size:12px;font-weight:850}
h1{font-size:clamp(40px,6vw,67px);line-height:1.02;letter-spacing:-2.4px;margin:18px 0 18px}h1 em{font-style:normal;color:var(--teal2)}
h2{font-size:clamp(27px,4vw,39px);line-height:1.16;letter-spacing:-1px;margin:0 0 15px}h3{line-height:1.25}
.lead{font-size:19px;color:#52617a;max-width:750px}.buttons{display:flex;flex-wrap:wrap;gap:11px;margin-top:26px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:12px;padding:13px 18px;font-weight:850;border:1px solid transparent}
.btn:hover{text-decoration:none;transform:translateY(-1px)}.primary{background:var(--navy);color:#fff}.yellow{background:var(--yellow);color:#111d31}.light{background:#fff;border-color:var(--line);color:var(--navy)}
.hero-panel{background:#fff;border:1px solid var(--line);border-radius:28px;padding:25px;box-shadow:var(--shadow)}
.rui-score{background:linear-gradient(145deg,#0d2446,#0d4162);color:white;border-radius:22px;padding:26px}
.rui-score small{color:#bfe9e6;font-weight:800}.rui-score .big{font-size:42px;font-weight:950;margin:9px 0}.rui-score p{color:#d6e5ef;margin-bottom:0}
.section{padding:66px 0}.white{background:#fff}.sectionhead{max-width:780px;margin-bottom:31px}.muted{color:var(--muted)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:19px}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:0 6px 20px rgba(19,52,85,.045)}
.cardicon{width:48px;height:48px;display:grid;place-items:center;border-radius:15px;background:#e3f8f6;font-size:22px}.card h3{margin:15px 0 8px}
.pagehero{padding:52px 0 34px;background:#fff;border-bottom:1px solid var(--line)}.pagehero h1{font-size:clamp(36px,5vw,55px);max-width:930px}.crumb{font-size:13px;color:var(--muted);margin-bottom:12px}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:34px;align-items:start}
.article{background:#fff;border:1px solid var(--line);border-radius:23px;padding:30px}.article h2{font-size:29px;margin-top:36px}.article h2:first-child{margin-top:0}
.article h3{font-size:20px;margin-top:26px}.article li{margin:8px 0}.side{position:sticky;top:105px}.sidebox{background:#fff;border:1px solid var(--line);border-radius:18px;padding:19px;margin-bottom:16px}
.sidebox h3{margin-top:0}.sidebox a:not(.btn){display:block;margin:8px 0}
.tutorial{display:grid;gap:28px}.stepnum{display:flex;align-items:center;gap:13px;margin-bottom:13px}.num{width:42px;height:42px;border-radius:13px;background:var(--yellow);display:grid;place-items:center;font-weight:950;color:#15213b}
.tutorial-img{display:block;border-radius:20px;border:1px solid var(--line);box-shadow:var(--shadow);width:100%}
.tip{border-left:5px solid var(--yellow);background:#fff9dc;padding:17px 19px;border-radius:12px;margin:22px 0}.info{border-left-color:var(--teal);background:#eafafa}
.compare{overflow:auto}.compare table{width:100%;border-collapse:collapse;min-width:640px}.compare th,.compare td{text-align:left;padding:15px;border-bottom:1px solid var(--line);vertical-align:top}.compare th{background:#ecf7f7}
.faqs{display:grid;gap:12px}.faq{background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden}.faqbtn{width:100%;border:0;background:none;text-align:left;padding:18px 20px;font:inherit;font-weight:850;color:var(--text);display:flex;justify-content:space-between;cursor:pointer}.faqbtn:after{content:"+";font-size:22px;color:var(--teal2)}.faq.open .faqbtn:after{content:"−"}.answer{display:none;padding:0 20px 18px;color:var(--muted)}.faq.open .answer{display:block}
.callout{border-radius:25px;background:linear-gradient(135deg,#082043,#0d5167);color:white;padding:31px}.callout h2{color:white}.callout p{color:#d9edf1}
.timeline{display:grid;gap:12px}.timeline .item{border-left:4px solid var(--teal);padding:7px 0 7px 18px}.timeline .date{font-weight:900;color:var(--teal2)}
.sourcebox{border:1px solid var(--line);background:#f8fbfd;border-radius:15px;padding:18px;margin:18px 0}.sourcebox strong{display:block;margin-bottom:5px}
footer{background:#0b1c34;color:#c7d5e5;padding:52px 0 20px;margin-top:50px}.footergrid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:34px}.footergrid h3{color:#fff;margin-top:0}.footergrid a{color:#d8e8f6;display:block;margin:7px 0}.footerlogo{color:#fff}.footnote{border-top:1px solid #263b58;margin-top:34px;padding-top:17px;font-size:12px;color:#94a9bd}
@media(max-width:920px){.hamb{display:block}.menu{display:none;position:absolute;left:16px;right:16px;top:108px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);border-radius:17px;padding:9px;flex-direction:column;align-items:stretch}.menu.show{display:flex}.menu a{padding:12px 14px}.herogrid,.layout{grid-template-columns:1fr}.side{position:static}.grid3,.grid2{grid-template-columns:1fr}.footergrid{grid-template-columns:1fr}.hero{padding-top:48px}}