:root{--blue:#066aff;--blue2:#004bc7;--ink:#10213a;--muted:#596d86;--line:#dce6f3;--soft:#f5f9ff;--green:#0e8a5f;--amber:#9a6500}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,"Instrument Sans",Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6}.wrap{width:min(1180px,calc(100% - 32px));margin:auto}.site-head{position:sticky;top:0;background:rgba(255,255,255,.97);backdrop-filter:blur(12px);border-bottom:1px solid var(--line);z-index:40}.nav{min-height:72px;display:flex;align-items:center;gap:22px}.brand{font-weight:900;font-size:22px;text-decoration:none;color:var(--ink);letter-spacing:-.03em}.nav nav{display:flex;gap:18px;margin:auto;align-items:center}.nav a{text-decoration:none;color:inherit;font-weight:700}.nav a:hover{color:var(--blue)}.nav-actions{display:flex;align-items:center;gap:12px}.btn{display:inline-block;background:var(--blue);color:#fff!important;padding:11px 16px;border-radius:10px;font-weight:800;text-decoration:none}.btn:hover{background:var(--blue2)}.btn.secondary{background:#fff;color:var(--blue)!important;border:1px solid #bcd3f5}.hero{padding:78px 0 60px;background:linear-gradient(180deg,#f1f7ff 0,#fff 100%)}.crumbs{font-size:13px;color:var(--muted);margin-bottom:18px}.crumbs a{color:var(--blue);text-decoration:none}.eyebrow{font-size:12px;letter-spacing:.12em;text-transform:uppercase;font-weight:900;color:var(--blue)}h1{font-size:clamp(40px,6vw,70px);letter-spacing:-.055em;line-height:1.01;margin:11px 0 18px;max-width:1000px}h2{font-size:clamp(29px,4vw,48px);letter-spacing:-.04em;line-height:1.07;margin:0 0 16px}h3{font-size:22px;line-height:1.2;margin:0 0 9px;letter-spacing:-.02em}.lead{font-size:19px;line-height:1.72;color:var(--muted);max-width:900px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:25px}.section{padding:66px 0}.soft{background:var(--soft)}.narrow{max-width:900px}.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.grid.two{grid-template-columns:repeat(2,minmax(0,1fr))}.card{border:1px solid var(--line);border-radius:18px;padding:23px;background:#fff}.card p{color:var(--muted);margin:8px 0 0}.card ul{padding-left:20px;color:var(--muted)}.pill{display:inline-block;border-radius:999px;padding:5px 9px;background:#eaf3ff;color:#0756c7;font-size:12px;font-weight:850;margin-bottom:9px}.good{background:#eaf8f2;color:#08744f}.warn{background:#fff6df;color:#7b5500}.flow{counter-reset:flow;display:grid;gap:12px}.flow .card{position:relative;padding-left:72px}.flow .card:before{counter-increment:flow;content:counter(flow);position:absolute;left:22px;top:22px;width:34px;height:34px;border-radius:50%;background:var(--blue);color:#fff;display:grid;place-items:center;font-weight:900}.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:16px;background:#fff}.table{width:100%;border-collapse:collapse;min-width:760px}.table th,.table td{padding:13px 15px;border-bottom:1px solid #e8eef6;text-align:left;vertical-align:top;font-size:14px}.table th{background:#eef5ff;font-weight:850}.table tr:last-child td{border-bottom:0}.note{font-size:13px;color:var(--muted);line-height:1.6}.callout{border-left:4px solid var(--blue);padding:18px 20px;background:#f3f8ff;border-radius:0 12px 12px 0}.faq details{border:1px solid var(--line);border-radius:14px;padding:17px 19px;background:#fff;margin:10px 0}.faq summary{font-weight:850;cursor:pointer}.faq p{color:var(--muted)}.cta{padding:36px;border-radius:22px;background:#10213a;color:#fff}.cta p{color:#d4deeb;max-width:850px}.links{display:flex;gap:12px;flex-wrap:wrap}.links a{color:var(--blue);font-weight:750}.sources{font-size:13px;color:var(--muted)}.sources a{color:inherit}.iebc-seo-legacy-footer{padding:30px 0;border-top:1px solid var(--line);color:var(--muted);font-size:13px}.iebc-seo-legacy-footer a{color:var(--blue)}@media(max-width:950px){.grid{grid-template-columns:1fr 1fr}.nav nav{display:none}}@media(max-width:650px){.grid,.grid.two{grid-template-columns:1fr}.nav-actions>a:first-child{display:none}.hero{padding-top:54px}.section{padding:52px 0}.flow .card{padding-left:64px}}