:root{--blue:#183f63;--blue-dark:#102c46;--blue-soft:#eef4f8;--ink:#1f2933;--muted:#5f6b76;--line:#d9e1e7;--paper:#fff;--off:#f7f9fb;--max:1180px;--radius:14px;--shadow:0 8px 28px rgba(16,44,70,.08)}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:96px}
section[id]{scroll-margin-top:96px}
html,body,body *{font-family:Cambria,Georgia,"Times New Roman",serif !important}
body{margin:0;color:var(--ink);background:var(--paper);line-height:1.58}
a{color:inherit}
.wrap{width:min(var(--max),calc(100% - 40px));margin:0 auto}
.brand-banner{background:#06467d;display:flex;justify-content:center;align-items:center;overflow:hidden;border-bottom:1px solid rgba(255,255,255,.15)}
.brand-banner img{display:block;width:auto;max-width:100%;height:auto;max-height:260px}
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;text-decoration:none;flex:0 0 auto}
.nav-logo{display:block;width:205px;height:auto;max-height:48px}
nav{display:flex;align-items:center;gap:20px;font-weight:700;font-size:14px;line-height:1}
nav a{text-decoration:none;color:#2d3a45}
nav a:hover,nav a.active{color:var(--blue)}
.drop{position:relative;display:inline-flex;align-items:center;align-self:stretch}
.dropmenu{display:none;position:absolute;top:100%;left:-16px;width:275px;padding:10px;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:var(--shadow)}
.drop:hover .dropmenu{display:block}
.dropmenu a{display:block;padding:10px 11px;border-radius:7px}
.dropmenu a:hover{background:var(--blue-soft)}
.button{display:inline-flex;align-items:center;justify-content:center;border-radius:8px;padding:12px 18px;font-weight:700;font-size:14px;line-height:1;text-decoration:none;border:1px solid var(--blue);transition:.18s}
.button.primary{background:var(--blue);color:#fff}
.button.primary:hover{background:var(--blue-dark)}
.button.secondary{background:#fff;color:var(--blue)}
.button.secondary:hover{background:var(--blue-soft)}
.mobile-menu{display:none}

.page-hero{padding:56px 0 52px;background:linear-gradient(100deg,#fff 0%,#fff 58%,var(--blue-soft) 100%);border-bottom:1px solid var(--line)}
.eyebrow{margin:0 0 12px;color:var(--blue);font-weight:700;font-size:13px;line-height:1;text-transform:uppercase;letter-spacing:.11em}
h1{font-size:45px;line-height:1.08;margin:0 0 16px;color:var(--blue-dark)}
.page-hero .lead{font-size:20px;line-height:1.55;max-width:900px;margin:0;color:#3b4a56}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}

.primer-shell{padding:54px 0 68px}
.primer-grid{display:grid;grid-template-columns:260px minmax(0,1fr);gap:38px;align-items:start}
.toc{position:sticky;top:102px;border:1px solid var(--line);border-radius:var(--radius);background:#fff;padding:20px;box-shadow:0 4px 18px rgba(16,44,70,.04)}
.toc h2{margin:0 0 12px;font-size:18px;color:var(--blue-dark)}
.toc ol{margin:0;padding-left:21px}
.toc li{margin:7px 0;color:#475662;font-size:14px}
.toc a{text-decoration:none}
.toc a:hover{color:var(--blue);text-decoration:underline}

.primer-content{min-width:0}
.primer-section{padding:0 0 34px;margin:0 0 34px;border-bottom:1px solid var(--line)}
.primer-section:last-child{border-bottom:0;margin-bottom:0;padding-bottom:0}
.section-tag{display:block;color:var(--blue);font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.09em;margin-bottom:7px}
.primer-section h2{font-size:30px;line-height:1.2;color:var(--blue-dark);margin:0 0 16px}
.primer-section h3{font-size:20px;line-height:1.3;color:var(--blue-dark);margin:22px 0 8px}
.primer-section p{margin:0 0 13px;font-size:17px;color:#3f4d58}
.primer-section ul{margin:9px 0 14px;padding-left:24px}
.primer-section li{margin:7px 0;font-size:17px;color:#3f4d58}
.callout{background:var(--blue-soft);border:1px solid var(--line);border-radius:12px;padding:19px 21px;margin:18px 0}
.callout p{margin:0}
.claim-parts{display:grid;grid-template-columns:repeat(2,1fr);gap:15px;margin:18px 0}
.part{border:1px solid var(--line);border-radius:11px;padding:18px;background:#fff}
.part h3{margin:0 0 6px;font-size:19px}
.part p{margin:0;font-size:15px}
.misunderstandings{display:grid;gap:13px}
.misunderstanding{border-left:4px solid var(--blue);background:var(--off);padding:16px 18px;border-radius:0 10px 10px 0}
.misunderstanding h3{margin:0 0 5px;font-size:18px}
.misunderstanding p{margin:0;font-size:16px}

.cta{padding:54px 0;background:var(--off);border-top:1px solid var(--line)}
.cta-box{display:grid;grid-template-columns:1.35fr .65fr;gap:28px;align-items:center;background:var(--blue-soft);border:1px solid var(--line);border-radius:var(--radius);padding:30px}
.cta-box h2{margin:0 0 9px;color:var(--blue-dark);font-size:30px}
.cta-box p{margin:0;color:#495964;font-size:16px}
.cta-actions{display:flex;justify-content:flex-end;gap:10px;flex-wrap:wrap}

footer{background:var(--blue-dark);color:#dfe9f0;padding:36px 0}
.footer-grid{display:grid;grid-template-columns:1fr auto;gap:30px;align-items:end}
footer strong{color:#fff}
footer p{margin:7px 0 0;font-size:13px;line-height:1.6}
.footlinks{display:flex;gap:16px;flex-wrap:wrap;justify-content:flex-end;font-size:13px}
.footlinks a{color:#dfe9f0;text-decoration:none}
.disclaimer{border-top:1px solid rgba(255,255,255,.18);margin-top:24px;padding-top:18px;font-size:12px;line-height:1.5;color:#c7d3dc}

@media(max-width:920px){nav{display:none}.mobile-menu{display:inline-flex}.primer-grid{grid-template-columns:1fr}.toc{position:relative;top:auto}.toc ol{columns:2;column-gap:30px}.cta-box{grid-template-columns:1fr}.cta-actions{justify-content:flex-start}}
@media(max-width:620px){.wrap{width:min(var(--max),calc(100% - 28px))}.nav{min-height:68px}.nav-logo{width:165px;max-height:40px}.page-hero{padding:46px 0 44px}h1{font-size:36px}.page-hero .lead{font-size:18px}.primer-shell{padding:42px 0 54px}.toc ol{columns:1}.claim-parts{grid-template-columns:1fr}.primer-section h2{font-size:27px}.footer-grid{grid-template-columns:1fr}.footlinks{justify-content:flex-start}}