.stx-page{
  --stx-navy:#0F2340;
  --stx-navy-mid:#1A3A5C;
  --stx-navy-light:#234870;
  --stx-gold:#C9A84C;
  --stx-gold-light:#E2C97A;
  --stx-gold-soft:rgba(201,168,76,.12);
  --stx-gold-border:rgba(201,168,76,.25);
  --stx-cream:#F5F1EA;
  --stx-cream-dark:#EDE8DF;
  --stx-white:#fff;
  --stx-text:#34495E;
  --stx-muted:#52667A;
  --stx-border:rgba(15,35,64,.11);
  --stx-teal:#0E7490;
  --stx-teal-light:#67E8F9;
  --stx-green:#15803D;
  --stx-red:#B42318;
  --stx-radius:16px;
  --stx-shadow:0 16px 42px rgba(15,35,64,.08);
  background:var(--stx-cream);
  color:var(--stx-navy);
  font-family:'DM Sans',Arial,sans-serif;
  line-height:1.68;
  overflow-x:clip;
  -webkit-font-smoothing:antialiased;
}
.stx-page,.stx-page *{box-sizing:border-box}
.stx-page a{color:inherit;text-decoration:none}
.stx-page p{margin:0;color:var(--stx-text);line-height:1.74;text-align:left}
.stx-page :focus-visible{outline:3px solid var(--stx-gold);outline-offset:3px}

.stx-section{padding:64px 24px}
.stx-white{background:#fff}.stx-cream{background:var(--stx-cream)}.stx-cream-dark{background:var(--stx-cream-dark)}
.stx-navy{background:var(--stx-navy)}.stx-navy-mid{background:var(--stx-navy-mid)}
.stx-kicker{display:inline-block;color:var(--stx-gold);font-size:11px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;margin-bottom:10px}
.stx-head{max-width:850px;margin-bottom:32px}
.stx-head h2{font-family:'Playfair Display',Georgia,serif;font-size:clamp(26px,3vw,40px);line-height:1.14;margin:0 0 14px;color:var(--stx-navy)}
.stx-head p{font-size:15.5px;max-width:780px}
.stx-light .stx-head h2{color:#fff!important;-webkit-text-fill-color:#fff!important}.stx-light .stx-head p{color:rgba(241,246,250,.92)!important;-webkit-text-fill-color:rgba(241,246,250,.92)!important}
.stx-btn,.stx-btn-outline,.stx-text-link{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:800;transition:.2s ease}
.stx-btn{min-height:46px;padding:13px 24px;border-radius:7px;background:var(--stx-gold);color:var(--stx-navy)!important}
.stx-btn:hover{background:var(--stx-gold-light);transform:translateY(-2px);box-shadow:0 10px 28px rgba(201,168,76,.25)}
.stx-btn-outline{min-height:46px;padding:12px 22px;border-radius:7px;border:1px solid var(--stx-gold-border);background:rgba(201,168,76,.08);color:var(--stx-gold)!important}
.stx-btn-outline:hover{border-color:var(--stx-gold);background:rgba(201,168,76,.16)}
.stx-text-link{color:var(--stx-teal)!important;border-bottom:1px solid rgba(14,116,144,.3);padding-bottom:2px}
.stx-text-link:hover{color:var(--stx-gold)!important;border-color:var(--stx-gold)}

.stx-hero{position:relative;overflow:hidden;background:var(--stx-navy);padding:58px 24px 0}
.stx-hero::before{content:"";position:absolute;width:720px;height:720px;right:-180px;top:-190px;background:radial-gradient(circle,rgba(14,116,144,.16),transparent 66%);pointer-events:none}
.stx-hero::after{content:"";position:absolute;left:0;right:0;bottom:0;height:1px;background:linear-gradient(90deg,transparent,rgba(201,168,76,.4),transparent)}
.stx-hero-grid{max-width:1160px;margin:0 auto;display:grid;grid-template-columns:minmax(0,1fr) 390px;gap:48px;align-items:center;position:relative;z-index:2}
.stx-badge{display:inline-flex;align-items:center;gap:8px;background:var(--stx-gold-soft);border:1px solid var(--stx-gold-border);color:var(--stx-gold-light);padding:7px 14px;border-radius:6px;font-size:11px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;margin-bottom:18px}
.stx-dot{width:7px;height:7px;border-radius:50%;background:var(--stx-gold);flex-shrink:0}
.stx-hero h1{font-family:'Playfair Display',Georgia,serif;font-size:clamp(32px,4.5vw,54px);line-height:1.06;color:#fff;margin:0 0 16px;max-width:780px}
.stx-hero h1 em{font-style:normal;color:var(--stx-gold)}
.stx-hero-intro{font-size:17px!important;color:rgba(241,246,250,.96)!important;line-height:1.68!important;font-weight:700;border-left:3px solid var(--stx-gold);padding-left:16px;max-width:720px;margin-bottom:16px!important}
.stx-hero-lead{font-size:15.5px!important;color:rgba(232,239,245,.86)!important;line-height:1.76!important;max-width:700px;margin-bottom:24px!important}

.stx-hero-checks{display:grid;grid-template-columns:1fr 1fr;gap:9px 14px;margin-bottom:20px;max-width:700px}
.stx-hcheck{display:flex;gap:9px;color:rgba(239,245,250,.9);font-size:13.5px;line-height:1.5}
.stx-check{width:20px;height:20px;min-width:20px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:rgba(201,168,76,.14);border:1px solid rgba(201,168,76,.36);color:var(--stx-gold);font-size:10px;font-weight:900;margin-top:1px}
.stx-hero-card{background:var(--stx-navy-mid);border:1px solid var(--stx-gold-border);border-radius:var(--stx-radius);overflow:hidden;box-shadow:0 24px 58px rgba(0,0,0,.14)}
.stx-card-head{padding:15px 20px;background:linear-gradient(135deg,var(--stx-gold),var(--stx-gold-light));color:var(--stx-navy);font-weight:900;font-size:14px}
.stx-card-body{padding:18px 20px}
.stx-hero-row{display:grid;grid-template-columns:34px 1fr;gap:12px;padding:11px 0;border-bottom:1px solid rgba(201,168,76,.1)}
.stx-hero-row:last-child{border-bottom:0}
.stx-row-num{width:30px;height:30px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:rgba(201,168,76,.12);border:1px solid rgba(201,168,76,.26);color:var(--stx-gold);font-weight:900;font-size:12px}
.stx-row-title{color:#fff;font-size:13.5px;font-weight:800;margin-bottom:2px}
.stx-row-text{color:rgba(232,239,245,.78);font-size:12.5px;line-height:1.55}
.stx-trust{max-width:1160px;margin:42px auto 0;display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(201,168,76,.12);position:relative;z-index:2}
.stx-trust-item{padding:15px 16px;color:rgba(232,239,245,.8);font-size:13px;display:flex;align-items:center;gap:9px;border-right:1px solid rgba(201,168,76,.09)}
.stx-trust-item:last-child{border-right:0}.stx-trust-item span{color:var(--stx-gold)}

.stx-direct-grid{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(300px,.75fr);gap:28px;align-items:start}
.stx-answer{background:var(--stx-navy);border-radius:var(--stx-radius);padding:30px;box-shadow:var(--stx-shadow)}
.stx-answer .stx-kicker{margin-bottom:12px}.stx-answer h2{font-family:'Playfair Display',Georgia,serif;color:#fff;font-size:clamp(25px,3vw,37px);line-height:1.16;margin:0 0 16px}
.stx-answer p{color:rgba(241,246,250,.9);font-size:15px}.stx-answer strong{color:#fff}
.stx-answer-list{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:20px}
.stx-answer-item{background:rgba(255,255,255,.07);border:1px solid rgba(201,168,76,.18);border-radius:10px;padding:14px;color:rgba(241,246,250,.9);font-size:13.5px;line-height:1.55}
.stx-answer-item strong{display:block;color:var(--stx-gold-light);margin-bottom:3px}
.stx-toc{background:#fff;border:1px solid var(--stx-border);border-radius:var(--stx-radius);padding:24px;box-shadow:var(--stx-shadow)}
.stx-toc h2{font-size:16px;margin:0 0 14px;color:var(--stx-navy)}
.stx-toc ol{margin:0;padding-left:22px;display:flex;flex-direction:column;gap:9px}
.stx-toc a{font-size:13.5px;color:var(--stx-text);font-weight:700}.stx-toc a:hover{color:var(--stx-gold)}

.stx-table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border-radius:var(--stx-radius);border:1px solid var(--stx-border);background:#fff;box-shadow:var(--stx-shadow)}
.stx-table{width:100%;border-collapse:collapse;min-width:760px}
.stx-table th{background:var(--stx-navy);color:#fff;text-align:left;font-size:12px;letter-spacing:.04em;padding:15px 16px}
.stx-table td{padding:16px;border-bottom:1px solid var(--stx-border);vertical-align:top;color:var(--stx-text);font-size:13.5px;line-height:1.58}
.stx-table tr:last-child td{border-bottom:0}.stx-table td strong{color:var(--stx-navy)}
.stx-pill{display:inline-flex;padding:4px 9px;border-radius:999px;font-size:11px;font-weight:800;white-space:nowrap}
.stx-pill.green{background:rgba(21,128,61,.1);color:var(--stx-green)}
.stx-pill.gold{background:var(--stx-gold-soft);color:#8B6D16}
.stx-pill.red{background:rgba(180,35,24,.08);color:var(--stx-red)}

.stx-two{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.stx-card{background:#fff;border:1px solid var(--stx-border);border-radius:var(--stx-radius);padding:24px;box-shadow:var(--stx-shadow)}
.stx-card.dark{background:var(--stx-navy-mid);border-color:rgba(201,168,76,.18)}
.stx-card h3{font-family:'Playfair Display',Georgia,serif;font-size:21px;line-height:1.25;margin:0 0 10px;color:var(--stx-navy)}
.stx-card.dark h3{color:#fff}.stx-card.dark p{color:rgba(241,246,250,.86)}
.stx-card ul{margin:14px 0 0;padding:0;list-style:none;display:flex;flex-direction:column;gap:9px}
.stx-card li{position:relative;padding-left:18px;color:var(--stx-text);font-size:13.5px;line-height:1.55}
.stx-card.dark li{color:rgba(241,246,250,.86)}
.stx-card li::before{content:"→";position:absolute;left:0;color:var(--stx-gold);font-weight:900}


.stx-rule{background:#fff;border:1px solid var(--stx-border);border-radius:var(--stx-radius);padding:22px;box-shadow:var(--stx-shadow)}
.stx-rule-num{font-family:'Playfair Display',Georgia,serif;font-size:34px;color:rgba(15,35,64,.12);font-weight:900;line-height:1;margin-bottom:8px}
.stx-rule h3{font-size:16px;margin:0 0 8px;color:var(--stx-navy)}
.stx-rule p{font-size:13.5px}

.stx-callout{border-left:4px solid var(--stx-gold);background:rgba(201,168,76,.09);padding:18px 20px;border-radius:0 12px 12px 0;margin-top:22px}
.stx-callout strong{display:block;color:var(--stx-navy);font-size:14px;margin-bottom:5px}.stx-callout p{font-size:13.5px}
.stx-callout.dark{background:rgba(255,255,255,.07);border:1px solid rgba(201,168,76,.24);border-left:4px solid var(--stx-gold)}
.stx-callout.dark strong{color:#fff}.stx-callout.dark p{color:rgba(241,246,250,.88)}
.stx-direct-answer{background:rgba(255,255,255,.075);border:1px solid rgba(201,168,76,.28);border-left:4px solid var(--stx-gold);border-radius:0 12px 12px 0;padding:20px 22px;margin:0 0 22px}
.stx-direct-answer h3{font-family:'Playfair Display',Georgia,serif;font-size:21px;line-height:1.25;color:#fff!important;-webkit-text-fill-color:#fff!important;margin:0 0 8px}
.stx-direct-answer p{color:rgba(241,246,250,.9)!important;-webkit-text-fill-color:rgba(241,246,250,.9)!important;font-size:14px;line-height:1.72}
.stx-direct-list{list-style:none;margin:14px 0 0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.stx-direct-list li{position:relative;padding:11px 12px 11px 30px;background:rgba(15,35,64,.35);border:1px solid rgba(201,168,76,.16);border-radius:9px;color:rgba(241,246,250,.9);font-size:12.8px;line-height:1.55}
.stx-direct-list li::before{content:'✓';position:absolute;left:11px;top:11px;color:var(--stx-gold);font-weight:900}


.stx-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.stx-step{background:#fff;color:var(--stx-navy);border:1px solid var(--stx-border);border-radius:var(--stx-radius);padding:22px;box-shadow:var(--stx-shadow);min-height:250px}
.stx-step-num{width:40px;height:40px;border-radius:50%;background:var(--stx-navy);border:2px solid var(--stx-gold);color:var(--stx-gold);display:flex;align-items:center;justify-content:center;font-weight:900;margin-bottom:13px}
.stx-page .stx-step h3{font-size:15px;margin:0 0 7px;color:var(--stx-navy)!important;-webkit-text-fill-color:var(--stx-navy)!important}.stx-page .stx-step p{font-size:13.5px;color:#40566C!important;-webkit-text-fill-color:#40566C!important;font-weight:500;line-height:1.68}

.stx-formula{background:var(--stx-navy);border-radius:var(--stx-radius);padding:26px;display:grid;grid-template-columns:1fr 1fr;gap:22px}
.stx-formula h3{color:#fff;font-size:17px;margin:0 0 10px}.stx-formula p{color:rgba(241,246,250,.88);font-size:13.5px}
.stx-formula-code{background:rgba(255,255,255,.07);border:1px solid rgba(201,168,76,.2);border-radius:10px;padding:16px;color:var(--stx-gold-light);font-weight:800;font-size:13px;line-height:1.65}

.stx-cases{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.stx-case{background:#fff;border:1px solid var(--stx-border);border-radius:var(--stx-radius);overflow:hidden;box-shadow:var(--stx-shadow)}
.stx-case-head{background:var(--stx-navy);padding:16px 18px;color:#fff}
.stx-case-head,.stx-case-head *{color:#fff!important;-webkit-text-fill-color:#fff!important}
.stx-case-head span{color:var(--stx-gold)!important;-webkit-text-fill-color:var(--stx-gold)!important}
.stx-case-head span{display:block;color:var(--stx-gold);font-size:11px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;margin-bottom:4px}
.stx-case-head h3{font-family:'Playfair Display',Georgia,serif;font-size:19px;line-height:1.25;margin:0}
.stx-case-body{padding:18px}.stx-case-body p{font-size:13.5px;margin-bottom:12px}.stx-case-body p:last-child{margin-bottom:0}
.stx-case-result{border-top:1px solid var(--stx-border);padding-top:12px;font-weight:700;color:var(--stx-navy)!important}

.stx-errors{display:grid;grid-template-columns:1fr 1fr;gap:2px;background:var(--stx-border);border:1px solid var(--stx-border);border-radius:var(--stx-radius);overflow:hidden}
.stx-error{background:#fff;padding:22px}.stx-error h3{font-size:15px;color:var(--stx-navy);margin:0 0 6px}.stx-error p{font-size:13.5px}
.stx-error .stx-icon{color:var(--stx-red);font-weight:900;margin-right:7px}

.stx-orientation{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.stx-orient-card{background:#fff;border:1px solid var(--stx-border);border-radius:var(--stx-radius);padding:22px;box-shadow:var(--stx-shadow);display:flex;flex-direction:column}
.stx-orient-card h3{font-family:'Playfair Display',Georgia,serif;font-size:19px;margin:0 0 8px;color:var(--stx-navy)}
.stx-orient-card p{font-size:13.5px;margin-bottom:14px;flex:1}
.stx-orient-card a{font-size:13px;font-weight:900;color:var(--stx-teal)!important}.stx-orient-card a:hover{color:var(--stx-gold)!important}

.stx-faq-list{display:flex;flex-direction:column;gap:2px;background:rgba(201,168,76,.18);border-radius:var(--stx-radius);overflow:hidden}
.stx-faq-item{background:var(--stx-navy-mid)}
.stx-faq-q{width:100%;background:transparent;border:0;padding:20px 22px;color:#fff;display:flex;justify-content:space-between;align-items:center;gap:16px;text-align:left;cursor:pointer;font:inherit;font-weight:800;font-size:15px}
.stx-faq-q:hover{background:rgba(255,255,255,.035)}
.stx-faq-icon{width:28px;height:28px;min-width:28px;border-radius:50%;background:var(--stx-gold-soft);color:var(--stx-gold);display:flex;align-items:center;justify-content:center;font-size:19px;transition:transform .25s}
.stx-faq-item.open .stx-faq-icon{transform:rotate(45deg)}
.stx-faq-a{max-height:0;overflow:hidden;padding:0 22px;transition:max-height .35s ease,padding .25s ease}
.stx-faq-item.open .stx-faq-a{max-height:650px;padding-bottom:20px}
.stx-faq-a p{border-top:1px solid rgba(201,168,76,.18);padding-top:14px;color:rgba(241,246,250,.88);font-size:14px}

.stx-source-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.stx-source{background:#fff;border:1px solid var(--stx-border);border-radius:12px;padding:16px}
.stx-source strong{display:block;font-size:13px;color:var(--stx-navy);margin-bottom:5px}.stx-source p{font-size:12.5px;margin-bottom:8px}.stx-source a{font-size:12.5px;font-weight:800;color:var(--stx-teal)!important}

.stx-author{display:grid;grid-template-columns:58px 1fr;gap:18px;align-items:center;background:#fff;border:1px solid var(--stx-border);border-radius:var(--stx-radius);padding:22px;box-shadow:var(--stx-shadow)}
.stx-author-logo{width:58px;height:58px;border-radius:50%;background:var(--stx-navy);border:2px solid var(--stx-gold);color:var(--stx-gold);display:flex;align-items:center;justify-content:center;font-family:'Playfair Display',Georgia,serif;font-weight:900}
.stx-author-label{font-size:11px!important;color:var(--stx-muted)!important;text-transform:uppercase;letter-spacing:.1em;font-weight:800}
.stx-author-name{font-size:17px!important;color:var(--stx-navy)!important;font-weight:900;margin:2px 0 3px!important}
.stx-author-text{font-size:13.5px!important;margin-bottom:6px!important}.stx-author a{font-size:13px;font-weight:900;color:var(--stx-teal)!important}

.stx-final{background:var(--stx-navy);border-radius:var(--stx-radius);padding:34px;display:grid;grid-template-columns:1fr auto;gap:32px;align-items:center;border:1px solid rgba(201,168,76,.22)}
.stx-final h2{font-family:'Playfair Display',Georgia,serif;color:#fff;font-size:clamp(25px,3vw,37px);line-height:1.16;margin:0 0 9px}.stx-final h2 em{font-style:normal;color:var(--stx-gold)}
.stx-final p{color:rgba(241,246,250,.86);font-size:14.5px;max-width:760px}.stx-final-actions{display:flex;flex-direction:column;gap:10px;min-width:230px}
.stx-updated{font-size:12px!important;color:var(--stx-muted)!important;margin-top:14px!important}

@media(max-width:980px){
  .stx-hero-card{max-width:700px}.stx-trust{grid-template-columns:1fr 1fr}
  .stx-steps{grid-template-columns:1fr 1fr}
  .stx-final{grid-template-columns:1fr}.stx-final-actions{min-width:0;flex-direction:row;flex-wrap:wrap}
}
@media(max-width:640px){
  .stx-section{padding:46px 16px}.stx-hero{padding:38px 16px 0}.stx-hero h1{font-size:34px}
  .stx-trust{grid-template-columns:1fr 1fr}.stx-trust-item{padding:13px 10px;font-size:12px}.stx-trust-item:nth-child(2){border-right:0}
  .stx-btn,.stx-btn-outline{width:100%;text-align:center}
  .stx-answer,.stx-final{padding:24px}.stx-toc{padding:20px}.stx-author{grid-template-columns:46px 1fr}.stx-author-logo{width:46px;height:46px}
  .stx-table{min-width:690px}.stx-direct-list{grid-template-columns:1fr}.stx-faq-q{font-size:14px;padding:18px}.stx-faq-a{padding:0 18px}
}