:root {
  --ink: #15222c;
  --muted: #5c6d78;
  --line: #d6e0e5;
  --soft: #f4f7f8;
  --paper: #ffffff;
  --navy: #063b54;
  --blue: #126d9b;
  --teal: #137b75;
  --gold: #b76b12;
  --rose: #9b3d60;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--soft);
  color: var(--ink);
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
  line-height: 1.6;
}
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; height: auto; }
.topbar { background: var(--paper); border-bottom: 1px solid var(--line); }
.topbar-inner, .site-header-inner, .nav-inner, main, .footer-inner {
  width: min(1160px, calc(100% - 36px));
  margin: 0 auto;
}
.topbar-inner {
  min-height: 56px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 18px;
  color: var(--muted);
  font-size: 14px;
}
.publisher { color: var(--ink); font-weight: 850; }
.toplinks { display: flex; gap: 18px; font-weight: 700; }
.site-header { background: var(--paper); border-bottom: 1px solid var(--line); }
.site-header-inner { padding: 34px 0 30px; }
.eyebrow {
  margin: 0 0 10px;
  color: var(--teal);
  font-size: 13px;
  font-weight: 900;
  letter-spacing: .08em;
  text-transform: uppercase;
}
h1, h2, h3 { line-height: 1.12; letter-spacing: 0; }
h1 { max-width: 880px; margin: 0; font-size: clamp(38px, 6vw, 68px); }
.intro { max-width: 820px; margin: 18px 0 0; color: var(--muted); font-size: 19px; }
.nav { background: var(--navy); color: #fff; }
.nav-inner { min-height: 52px; display: flex; align-items: center; gap: 26px; font-weight: 800; }
.nav a { padding: 14px 0; }
.nav a:hover, .nav a:focus { color: #b7e7e1; }
main { padding: 36px 0 72px; }
.notice {
  margin: 0 0 30px;
  padding: 18px 20px;
  border-left: 5px solid var(--gold);
  background: #fff8ed;
  color: #5f451f;
}
.flow {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 10px;
  margin: 0 0 42px;
}
.flow-step {
  min-height: 92px;
  padding: 16px;
  border: 1px solid var(--line);
  background: var(--paper);
}
.flow-step strong { display: block; color: var(--navy); font-size: 13px; }
.flow-step span { display: block; margin-top: 7px; color: var(--muted); font-weight: 700; }
.section-heading {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 18px;
  margin: 42px 0 18px;
  border-bottom: 3px solid var(--ink);
}
.section-heading h2 { margin: 0 0 10px; font-size: 31px; }
.section-heading span { color: var(--muted); font-weight: 700; }
.step {
  display: grid;
  grid-template-columns: 64px minmax(0, 1fr);
  gap: 20px;
  margin: 22px 0;
  padding: 24px;
  border: 1px solid var(--line);
  background: var(--paper);
}
.step-number {
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  font-weight: 900;
  font-size: 20px;
}
.step h3 { margin: 2px 0 8px; font-size: 23px; }
.step p { margin: 8px 0; }
.step ul, .card ul { margin: 10px 0 0; padding-left: 22px; }
.step li, .card li { margin: 5px 0; }
.tip {
  margin-top: 16px;
  padding: 14px 16px;
  border-left: 4px solid var(--teal);
  background: #eef9f7;
  color: #245852;
}
.tip strong { color: var(--teal); }
.figure {
  margin: 20px 0 6px;
  padding: 12px;
  border: 1px solid var(--line);
  background: #f8fafb;
}
.figure img { width: 100%; border: 1px solid #cbd6dc; background: #fff; }
.figure figcaption { margin: 10px 2px 0; color: var(--muted); font-size: 13px; }
.split {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 20px;
}
.card {
  padding: 22px;
  border: 1px solid var(--line);
  background: var(--paper);
}
.card h3 { margin: 0 0 8px; font-size: 22px; }
.card p { margin: 8px 0; }
.role-pill {
  display: inline-block;
  padding: 5px 10px;
  border: 1px solid #b8d8d4;
  border-radius: 999px;
  color: var(--teal);
  background: #eef9f7;
  font-size: 13px;
  font-weight: 850;
}
.button-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 18px; }
.button {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  padding: 0 17px;
  background: var(--navy);
  color: #fff;
  font-weight: 850;
}
.button.secondary { background: #e8f0f4; color: var(--navy); }
.button:hover, .button:focus { outline: 3px solid #a9d8d2; outline-offset: 2px; }
.footer { padding: 32px 0; border-top: 1px solid var(--line); background: #e9eff2; color: var(--muted); }
.footer-inner { display: flex; justify-content: space-between; gap: 18px; flex-wrap: wrap; font-size: 14px; }
.footer a { color: var(--navy); font-weight: 750; }
.footer-note { max-width: 680px; }
.hub-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 18px; }
.hub-card { display: flex; flex-direction: column; min-height: 270px; padding: 24px; border: 1px solid var(--line); background: var(--paper); }
.hub-card h2 { margin: 0 0 12px; font-size: 28px; }
.hub-card p { color: var(--muted); }
.hub-card .button { margin-top: auto; align-self: flex-start; }
@media (max-width: 820px) {
  .flow, .hub-grid, .split { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .step { grid-template-columns: 48px minmax(0, 1fr); padding: 18px; }
}
@media (max-width: 560px) {
  .topbar-inner, .nav-inner { width: min(100% - 28px, 1160px); }
  main { width: min(100% - 28px, 1160px); }
  .toplinks { gap: 10px; }
  .nav-inner { gap: 16px; overflow-x: auto; white-space: nowrap; }
  .flow, .hub-grid, .split { grid-template-columns: 1fr; }
  .step { grid-template-columns: 1fr; }
}