:root{
  --ac-navy:#0F2340;
  --ac-navy-mid:#1A3A5C;
  --ac-navy-light:#234870;
  --ac-gold:#C9A84C;
  --ac-gold-light:#E2C97A;
  --ac-gold-soft:rgba(201,168,76,.12);
  --ac-gold-border:rgba(201,168,76,.25);
  --ac-cream:#F5F1EA;
  --ac-cream-dark:#EDE8DF;
  --ac-white:#fff;
  --ac-text:#3D4F63;
  --ac-muted:#7B8794;
  --ac-border:rgba(15,35,64,.10);
  --ac-green:#16a34a;
  --ac-green-soft:rgba(22,163,74,.10);
  --ac-amber:#b45309;
  --ac-amber-soft:rgba(180,83,9,.10);
  --ac-red:#dc2626;
  --ac-red-soft:rgba(220,38,38,.10);
  --ac-blue:#0E7490;
  --ac-blue-soft:rgba(14,116,144,.12);
  --ac-radius:18px;
  --ac-shadow:0 18px 48px rgba(15,35,64,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'DM Sans',sans-serif;background:var(--ac-cream);color:var(--ac-navy);line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:inherit;text-decoration:none}
a:hover{text-decoration:none}
:focus-visible{outline:2px solid var(--ac-gold);outline-offset:3px;border-radius:6px}
.ac-page{background:var(--ac-cream);overflow:hidden}

.ac-section{padding:74px 24px;position:relative}
.ac-white{background:#fff}.ac-cream{background:var(--ac-cream)}.ac-cream-dark{background:var(--ac-cream-dark)}.ac-navy{background:var(--ac-navy)}.ac-navy-mid{background:var(--ac-navy-mid)}
.ac-kicker{display:inline-flex;align-items:center;gap:8px;color:var(--ac-gold);font-size:11px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;margin-bottom:12px}
.ac-kicker:before{content:"";width:7px;height:7px;border-radius:50%;background:var(--ac-gold)}
.ac-section-head{max-width:850px;margin-bottom:38px}

.ac-section-head h2{font-family:'Playfair Display',serif;font-size:clamp(25px,3vw,40px);line-height:1.14;margin:0 0 14px;color:var(--ac-navy)}
.ac-section-head h2 em{font-style:normal;color:var(--ac-gold)}
.ac-section-head p{margin:0;color:var(--ac-text);font-size:15.8px;line-height:1.78}
.ac-light h2,.ac-light p{color:#fff!important}.ac-light p{color:rgba(232,238,245,.86)!important}
.ac-btn,.ac-btn-outline,.ac-btn-ghost{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:46px;padding:13px 24px;border-radius:8px;font-size:15px;font-weight:800;text-decoration:none;transition:all .22s ease;text-align:center;line-height:1.35}
.ac-btn{background:var(--ac-gold);color:var(--ac-navy)}
.ac-btn:hover{background:var(--ac-gold-light);transform:translateY(-2px);box-shadow:0 10px 30px rgba(201,168,76,.25)}
.ac-btn-outline{color:var(--ac-gold-light);border:1px solid var(--ac-gold-border);background:rgba(201,168,76,.08)}
.ac-btn-outline:hover{border-color:var(--ac-gold);background:rgba(201,168,76,.16)}
.ac-btn-ghost{color:rgba(232,238,245,.88);padding-left:0;padding-right:0;border-bottom:1px solid rgba(201,168,76,.28);border-radius:0}
.ac-btn-ghost:hover{color:var(--ac-gold)}

/* Sticky */
.ac-sticky{position:fixed;bottom:0;left:0;right:0;z-index:800;background:var(--ac-navy);border-top:2px solid var(--ac-gold);padding:12px 20px;display:flex;align-items:center;justify-content:center;gap:14px;box-shadow:0 -4px 24px rgba(0,0,0,.30);transform:translateY(100%);transition:transform .3s ease}
.ac-sticky.on{transform:translateY(0)}
.ac-sticky span{color:rgba(232,238,245,.9);font-size:13px}.ac-sticky span strong{color:#fff}
.ac-sticky button{font-family:'DM Sans',sans-serif}
.ac-sticky-btn{background:var(--ac-gold);color:var(--ac-navy);border:0;border-radius:7px;padding:9px 18px;font-size:13px;font-weight:800;cursor:pointer;white-space:nowrap}
.ac-sticky-x{position:absolute;right:14px;top:50%;transform:translateY(-50%);background:transparent;border:0;color:var(--ac-muted);font-size:22px;line-height:1;cursor:pointer}

/* Hero */
.ac-hero{position:relative;overflow:hidden;background:var(--ac-navy);padding:62px 24px 0}
.ac-hero:before{content:"";position:absolute;right:-150px;top:-180px;width:760px;height:760px;background:radial-gradient(circle,rgba(201,168,76,.11) 0%,transparent 66%);pointer-events:none}
.ac-hero:after{content:"";position:absolute;left:0;right:0;bottom:0;height:1px;background:linear-gradient(90deg,transparent,rgba(201,168,76,.4),transparent)}
.ac-hero-grid{max-width:1160px;margin:0 auto;display:grid;grid-template-columns:minmax(0,1fr) 405px;gap:50px;align-items:start;position:relative;z-index:2}
.ac-hero-badge{display:inline-flex;align-items:center;gap:8px;background:var(--ac-gold-soft);border:1px solid var(--ac-gold-border);color:var(--ac-gold-light);padding:7px 14px;border-radius:6px;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;margin-bottom:18px}
.ac-dot{width:7px;height:7px;border-radius:50%;background:var(--ac-gold);flex-shrink:0;animation:acBlink 2.2s infinite}
@keyframes acBlink{0%,100%{opacity:1}50%{opacity:.32}}
.ac-hero h1{font-family:'Playfair Display',serif;color:#fff;font-size:clamp(31px,4vw,52px);line-height:1.07;margin:0 0 16px;max-width:800px}
.ac-hero h1 em{font-style:normal;color:var(--ac-gold)}
.ac-hero-intro{font-size:16.5px;color:rgba(232,238,245,.96);line-height:1.72;margin:0 0 18px;max-width:710px;font-weight:700;border-left:3px solid var(--ac-gold);padding-left:16px}
.ac-hero-lead{font-size:15.5px;color:rgba(232,238,245,.84);line-height:1.78;margin:0 0 24px;max-width:700px}
.ac-hero-lead a{color:var(--ac-gold);font-weight:800;text-decoration:underline;text-decoration-color:rgba(201,168,76,.45)}
.ac-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:26px;align-items:center}
.ac-hero-checks{display:grid;grid-template-columns:1fr 1fr;gap:9px 14px;max-width:720px;margin-bottom:22px}
.ac-check{display:flex;gap:9px;color:rgba(232,238,245,.9);font-size:13px;line-height:1.45}
.ac-check i{width:19px;height:19px;min-width:19px;border-radius:50%;background:rgba(201,168,76,.15);border:1px solid rgba(201,168,76,.35);color:var(--ac-gold);display:flex;align-items:center;justify-content:center;font-size:10px;font-weight:900;font-style:normal;margin-top:1px}
.ac-hero-card{background:var(--ac-navy-mid);border:1px solid var(--ac-gold-border);border-radius:var(--ac-radius);overflow:hidden;box-shadow:0 22px 55px rgba(0,0,0,.15)}
.ac-hero-card-head{padding:16px 20px;background:linear-gradient(135deg,var(--ac-gold),var(--ac-gold-light));color:var(--ac-navy);font-weight:900;font-size:14px}
.ac-hero-card-body{padding:18px 20px}
.ac-date-row{display:grid;grid-template-columns:76px 1fr;gap:14px;padding:11px 0;border-bottom:1px solid rgba(201,168,76,.10)}
.ac-date-row:last-child{border-bottom:0}
.ac-date{font-size:12px;font-weight:900;color:var(--ac-gold-light);line-height:1.35}.ac-date.red{color:#fca5a5}.ac-date.amber{color:#fbbf24}.ac-date.green{color:#86efac}
.ac-date-text{font-size:12.7px;color:rgba(232,238,245,.84);line-height:1.5}
.ac-hero-note{background:rgba(255,255,255,.06);border-top:1px solid rgba(201,168,76,.14);padding:14px 20px;color:rgba(232,238,245,.72);font-size:12.5px;line-height:1.55}
.ac-hero-foot{max-width:1160px;margin:48px auto 0;display:grid;grid-template-columns:repeat(4,1fr);position:relative;z-index:2;border-top:1px solid rgba(201,168,76,.18);background:rgba(255,255,255,.035)}
.ac-proof{padding:18px 20px;border-right:1px solid rgba(201,168,76,.12)}.ac-proof:last-child{border-right:0}
.ac-proof strong{display:block;color:#fff;font-size:14px;margin-bottom:2px}.ac-proof span{display:block;color:rgba(232,238,245,.7);font-size:12.5px;line-height:1.45}

/* TOC */
.ac-toc{background:var(--ac-cream-dark);border-bottom:1px solid var(--ac-border)}
.ac-toc-inner{max-width:1160px;margin:0 auto;padding:16px 24px;display:flex;gap:10px;flex-wrap:wrap;align-items:center}
.ac-toc-label{font-size:11px;font-weight:900;letter-spacing:.12em;text-transform:uppercase;color:var(--ac-muted);margin-right:4px}
.ac-toc a{display:inline-flex;padding:8px 12px;background:#fff;border:1px solid var(--ac-border);border-radius:999px;color:var(--ac-text);font-size:13px;font-weight:700;transition:all .2s}
.ac-toc a:hover{border-color:var(--ac-gold);color:var(--ac-navy);box-shadow:0 8px 22px rgba(15,35,64,.06)}

/* Cards and grids */
.ac-grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}.ac-grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.ac-card{background:#fff;border:1px solid var(--ac-border);border-radius:var(--ac-radius);padding:24px;box-shadow:var(--ac-shadow)}
.ac-card h3{font-size:18px;line-height:1.25;margin:0 0 10px;color:var(--ac-navy)}
.ac-card p{margin:0;color:var(--ac-text);font-size:14.3px;line-height:1.72}
.ac-card ul{margin:12px 0 0;padding-left:18px;color:var(--ac-text);font-size:14px;line-height:1.7}.ac-card li{margin-bottom:6px}
.ac-mini{font-size:11px;font-weight:900;letter-spacing:.1em;text-transform:uppercase;color:var(--ac-gold);margin-bottom:8px}
.ac-icon{width:38px;height:38px;border-radius:12px;background:var(--ac-gold-soft);border:1px solid var(--ac-gold-border);color:var(--ac-gold);display:flex;align-items:center;justify-content:center;font-weight:900;margin-bottom:14px}
.ac-alert{border-radius:var(--ac-radius);padding:22px 24px;border:1px solid var(--ac-gold-border);background:rgba(201,168,76,.10);margin:24px 0}
.ac-alert strong{display:block;color:var(--ac-navy);font-size:15px;margin-bottom:7px}.ac-alert p{margin:0;color:var(--ac-text);font-size:14.2px;line-height:1.72}
.ac-alert.dark{background:rgba(255,255,255,.075);border-color:rgba(201,168,76,.28)}.ac-alert.dark strong{color:#fff}.ac-alert.dark p{color:rgba(232,238,245,.86)}
.ac-risk{background:#fff;border:1px solid rgba(220,38,38,.18);border-left:4px solid var(--ac-red);border-radius:0 var(--ac-radius) var(--ac-radius) 0;padding:19px 21px}.ac-risk h3{margin:0 0 7px;font-size:16px;color:var(--ac-navy)}.ac-risk p{margin:0;color:var(--ac-text);font-size:14px;line-height:1.7}
.ac-bluebox{background:var(--ac-blue-soft);border:1px solid rgba(14,116,144,.24);border-radius:var(--ac-radius);padding:24px}.ac-bluebox h3{margin:0 0 8px;color:var(--ac-navy);font-size:18px}.ac-bluebox p{margin:0;color:var(--ac-text);font-size:14.4px;line-height:1.74}

/* Tables */
.ac-table-wrap{overflow-x:auto;border-radius:var(--ac-radius);box-shadow:var(--ac-shadow);background:#fff;border:1px solid var(--ac-border)}
table.ac-table{width:100%;border-collapse:collapse;min-width:760px;background:#fff}
.ac-table th{background:var(--ac-navy);color:#fff;text-align:left;font-size:12px;letter-spacing:.08em;text-transform:uppercase;padding:14px 16px;border-right:1px solid rgba(255,255,255,.08)}
.ac-table td{padding:15px 16px;border-bottom:1px solid var(--ac-border);color:var(--ac-text);font-size:14px;vertical-align:top}.ac-table tr:last-child td{border-bottom:0}
.ac-table td strong{color:var(--ac-navy)}

/* Process */
.ac-steps{display:grid;grid-template-columns:repeat(5,1fr);gap:14px;counter-reset:step}
.ac-step{background:#fff;border:1px solid var(--ac-border);border-radius:var(--ac-radius);padding:22px 18px;position:relative;box-shadow:0 12px 36px rgba(15,35,64,.06)}
.ac-step:before{counter-increment:step;content:counter(step);width:28px;height:28px;border-radius:50%;background:var(--ac-gold);color:var(--ac-navy);display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:900;margin-bottom:14px}
.ac-step h3{font-size:15.5px;line-height:1.25;margin:0 0 8px;color:var(--ac-navy)}.ac-step p{margin:0;color:var(--ac-text);font-size:13.3px;line-height:1.65}

/* Dark sections */
.ac-dark-card{background:var(--ac-navy-mid);border:1px solid rgba(201,168,76,.20);border-radius:var(--ac-radius);padding:24px;box-shadow:0 18px 48px rgba(0,0,0,.15)}
.ac-dark-card h3{color:#fff;margin:0 0 9px;font-size:18px}.ac-dark-card p,.ac-dark-card li{color:rgba(232,238,245,.84);font-size:14px;line-height:1.7}.ac-dark-card ul{padding-left:18px;margin:12px 0 0}.ac-dark-card a{color:var(--ac-gold);font-weight:800;text-decoration:underline;text-decoration-color:rgba(201,168,76,.35)}

/* FAQ */
.ac-faq{display:grid;gap:12px;max-width:900px;margin:0 auto}.ac-faq-item{background:#fff;border:1px solid var(--ac-border);border-radius:14px;overflow:hidden;box-shadow:0 10px 32px rgba(15,35,64,.05)}
.ac-faq-q{width:100%;background:#fff;border:0;text-align:left;padding:18px 22px;display:flex;justify-content:space-between;gap:16px;align-items:center;color:var(--ac-navy);font-family:'DM Sans',sans-serif;font-weight:900;font-size:15.3px;cursor:pointer}
.ac-faq-icon{width:24px;height:24px;min-width:24px;border-radius:50%;background:var(--ac-gold-soft);color:var(--ac-gold);display:flex;align-items:center;justify-content:center;font-size:18px;line-height:1;transition:transform .22s}
.ac-faq-q[aria-expanded="true"] .ac-faq-icon{transform:rotate(45deg)}
.ac-faq-a{display:none;padding:0 22px 20px;color:var(--ac-text);font-size:14.4px;line-height:1.75}.ac-faq-a.open{display:block}.ac-faq-a p{margin:0}

/* Form */
.ac-form-grid{display:grid;grid-template-columns:0.9fr 1.1fr;gap:34px;align-items:start}
.ac-form-box{background:#fff;border:1px solid var(--ac-border);border-radius:var(--ac-radius);box-shadow:var(--ac-shadow);padding:28px;color:var(--ac-navy)}
.ac-form-box label,.ac-form-box p,.ac-form-box span,.ac-form-box div{color:var(--ac-navy)}
.ac-form-points{display:grid;gap:10px;margin-top:18px}.ac-form-point{display:flex;gap:10px;color:var(--ac-text);font-size:14px;line-height:1.55}.ac-form-point i{font-style:normal;color:var(--ac-gold);font-weight:900}

/* Related */
.ac-related-card{background:#fff;border:1px solid var(--ac-border);border-radius:var(--ac-radius);padding:22px;box-shadow:0 12px 34px rgba(15,35,64,.06);transition:all .22s}
.ac-related-card:hover{transform:translateY(-3px);border-color:var(--ac-gold);box-shadow:0 18px 44px rgba(15,35,64,.1)}
.ac-related-card h3{font-size:17px;margin:0 0 7px;color:var(--ac-navy)}.ac-related-card p{margin:0 0 12px;color:var(--ac-text);font-size:13.8px;line-height:1.65}.ac-related-card a{color:var(--ac-gold);font-weight:900;font-size:13.5px}

@media(max-width:980px){
  .ac-hero-card{max-width:520px}.ac-hero-foot{grid-template-columns:repeat(2,1fr)}
  .ac-grid-4{grid-template-columns:repeat(2,1fr)}.ac-grid-3{grid-template-columns:repeat(2,1fr)}.ac-steps{grid-template-columns:1fr 1fr}.ac-toc-inner{overflow-x:auto;flex-wrap:nowrap;padding-bottom:18px}.ac-toc a{white-space:nowrap}.ac-toc-label{white-space:nowrap}
}
@media(max-width:680px){
  .ac-hero{padding:46px 16px 0}.ac-section{padding:52px 16px}.ac-wrap{padding:0 16px}.ac-hero-grid{gap:28px}.ac-hero h1{font-size:clamp(30px,9vw,42px)}
  .ac-hero-intro{font-size:15.5px}.ac-hero-lead{font-size:14.7px}.ac-actions{display:grid;grid-template-columns:1fr;gap:10px}.ac-btn,.ac-btn-outline,.ac-btn-ghost{width:100%;padding-left:16px;padding-right:16px}.ac-btn-ghost{border:1px solid rgba(201,168,76,.25);border-radius:8px;padding:12px 16px}
  .ac-hero-checks{grid-template-columns:1fr}.ac-hero-foot{grid-template-columns:1fr}.ac-proof{border-right:0;border-bottom:1px solid rgba(201,168,76,.12)}.ac-proof:last-child{border-bottom:0}
  .ac-card,.ac-dark-card,.ac-bluebox{padding:20px}.ac-section-head{margin-bottom:26px}.ac-section-head h2{font-size:clamp(25px,8vw,34px)}
  .ac-date-row{grid-template-columns:68px 1fr}.ac-hero-card-body{padding:16px}.ac-hero-note{padding:14px 16px}.ac-sticky{padding:10px 44px 10px 12px;align-items:flex-start;gap:8px}.ac-sticky span{font-size:12px;line-height:1.35}.ac-sticky-btn{padding:8px 12px;font-size:12px}.ac-sticky-x{right:10px}.ac-form-box{padding:22px 18px}
}
@media(max-width:430px){
  .ac-date-row{grid-template-columns:1fr;gap:4px}.ac-sticky{display:none}.ac-table{min-width:680px}.ac-toc-inner{padding-left:16px;padding-right:16px}
}