:root{
  --tn-navy:#0b1f33;
  --tn-navy-2:#163651;
  --tn-red:#c83d36;
  --tn-red-dark:#9f2f2a;
  --tn-gold:#d3a24b;
  --tn-sky:#eaf2f8;
  --tn-soft:#f7f9fb;
  --tn-ink:#152334;
  --tn-muted:#5f6d7d;
  --tn-line:#dbe3eb;
  --tn-white:#fff;
  --tn-radius:18px;
  --tn-shadow:0 18px 46px rgba(11,31,51,.12);
  --tn-wrap:1160px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:#fff;color:var(--tn-ink);font-family:Arial,Helvetica,sans-serif;line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:#174d78;text-decoration:none}a:hover{text-decoration:underline}
img{max-width:100%;height:auto}
.tn-wrap{width:min(var(--tn-wrap),calc(100% - 2.3rem));margin-inline:auto}
.skip{position:absolute;left:-9999px;top:0;background:#fff;padding:.8rem;z-index:9999}.skip:focus{left:1rem;top:1rem}
.tn-topbar{background:var(--tn-red);color:#fff;text-align:center;padding:.55rem 1rem;font-weight:800;letter-spacing:.04em}
.tn-topbar a{color:#fff;text-decoration:none}
.tn-header{background:#fff;border-bottom:1px solid #e7edf3;box-shadow:0 8px 26px rgba(11,31,51,.07)}
.tn-brand{display:flex;align-items:center;justify-content:center;padding:1.15rem 1rem .65rem}
.tn-brand img{max-height:145px;width:auto;object-fit:contain}
.tn-nav-shell{padding:0 1rem 1rem}
.tn-nav{display:flex;align-items:center;justify-content:center;flex-wrap:wrap;gap:.35rem .85rem}
.tn-nav a{display:inline-flex;align-items:center;justify-content:center;min-height:42px;padding:.64rem .86rem;border-radius:999px;color:var(--tn-ink);font-size:.83rem;font-weight:800;letter-spacing:.045em;text-transform:uppercase;text-decoration:none}
.tn-nav a:hover{background:#eef4f8;color:#0d456d;text-decoration:none}
.tn-nav .tn-nav-cta{background:var(--tn-red);color:#fff;box-shadow:0 10px 22px rgba(200,61,54,.2)}
.tn-nav .tn-nav-cta:hover{background:var(--tn-red-dark);color:#fff}
.tn-hero{position:relative;overflow:hidden;padding:4.7rem 0 4.4rem;background:linear-gradient(135deg,var(--tn-navy),#174a6a 67%,#2a6f84);color:#fff}
.tn-hero:before{content:"";position:absolute;width:520px;height:520px;border-radius:50%;right:-160px;top:-240px;background:radial-gradient(circle,rgba(255,255,255,.14),transparent 70%)}
.tn-hero:after{content:"";position:absolute;width:420px;height:420px;border-radius:50%;left:-210px;bottom:-260px;background:radial-gradient(circle,rgba(211,162,75,.18),transparent 70%)}
.tn-hero .tn-wrap{position:relative;z-index:1}
.tn-breadcrumbs{display:flex;flex-wrap:wrap;gap:.42rem;margin-bottom:1.15rem;font-size:.86rem;color:rgba(255,255,255,.8)}
.tn-breadcrumbs a{color:#fff;font-weight:700}
.tn-eyebrow{margin:0 0 .65rem;color:#f0ca86;font-size:.76rem;font-weight:900;letter-spacing:.15em;text-transform:uppercase}
.tn-hero h1{max-width:18ch;margin:0 0 1rem;color:#fff;font-size:clamp(2.25rem,5vw,4.45rem);line-height:1.06;letter-spacing:-.03em}
.tn-lead{max-width:800px;margin:0;color:rgba(255,255,255,.92);font-size:clamp(1.02rem,1.9vw,1.24rem)}
.tn-actions{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1.45rem}
.tn-btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:.78rem 1.08rem;border:1px solid transparent;border-radius:999px;background:var(--tn-red);color:#fff;font-weight:900;text-decoration:none;box-shadow:0 12px 26px rgba(0,0,0,.14)}
.tn-btn:hover{background:var(--tn-red-dark);color:#fff;text-decoration:none;transform:translateY(-1px)}
.tn-btn-light{background:#fff;color:var(--tn-navy);border-color:#fff}.tn-btn-light:hover{background:#f0f4f7;color:var(--tn-navy)}
.tn-btn-outline{background:transparent;color:#fff;border-color:rgba(255,255,255,.65)}.tn-btn-outline:hover{background:rgba(255,255,255,.1);color:#fff}
.tn-section{padding:3.6rem 0;background:#fff}.tn-section:nth-of-type(even){background:var(--tn-soft)}
.tn-section h2{margin:0 0 .85rem;font-size:clamp(1.75rem,3.3vw,2.7rem);line-height:1.18}.tn-section h3{margin:.35rem 0 .55rem;font-size:1.22rem;line-height:1.3}
.tn-section p,.tn-section li{color:var(--tn-muted)}
.tn-heading{max-width:780px;margin-bottom:1.25rem}.tn-heading p{font-size:1.05rem}
.tn-grid{display:grid;gap:1.15rem}.tn-grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}.tn-grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.tn-grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}
.tn-card{position:relative;overflow:hidden;padding:1.3rem;border:1px solid var(--tn-line);border-radius:var(--tn-radius);background:#fff;box-shadow:0 12px 34px rgba(11,31,51,.07)}
.tn-card:before{content:"";position:absolute;left:0;top:0;width:100%;height:4px;background:linear-gradient(90deg,var(--tn-red),var(--tn-gold))}
.tn-card p{margin:.45rem 0 .85rem}.tn-card a{font-weight:900}
.tn-badge{display:inline-flex;padding:.28rem .6rem;border:1px solid #cddce7;border-radius:999px;background:#eef4f8;color:#12476d;font-size:.68rem;font-weight:900;letter-spacing:.08em;text-transform:uppercase}
.tn-checks{list-style:none;padding:0;margin:1rem 0}.tn-checks li{position:relative;margin:.48rem 0;padding-left:1.55rem}.tn-checks li:before{content:"✓";position:absolute;left:0;color:var(--tn-red);font-weight:900}
.tn-note{margin:1.15rem 0;padding:1rem 1.1rem;border-left:5px solid var(--tn-gold);border-radius:12px;background:#fff8e9;color:#4d5968}
.tn-note strong{color:var(--tn-ink)}
.tn-two{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1.4rem;align-items:start}
.tn-tags{display:flex;flex-wrap:wrap;gap:.55rem}.tn-tags a,.tn-tags span{display:inline-flex;padding:.46rem .7rem;border:1px solid #cbd9e6;border-radius:999px;background:#f0f5f8;color:#184c70;font-weight:800;font-size:.88rem}
.tn-faq{display:grid;gap:.75rem}.tn-faq details{padding:.95rem 1rem;border:1px solid var(--tn-line);border-radius:14px;background:#fff}.tn-faq summary{cursor:pointer;font-weight:900}.tn-faq p{margin:.65rem 0 0}
.tn-steps{counter-reset:steps;display:grid;gap:.8rem}.tn-step{position:relative;counter-increment:steps;padding:1rem 1rem 1rem 4rem;border:1px solid var(--tn-line);border-radius:14px;background:#fff}.tn-step:before{content:counter(steps);position:absolute;left:1rem;top:1rem;display:grid;place-items:center;width:2.1rem;height:2.1rem;border-radius:50%;background:var(--tn-red);color:#fff;font-weight:900}
.tn-callout{display:grid;grid-template-columns:1fr auto;gap:1.25rem;align-items:center;padding:1.6rem;border-radius:20px;background:linear-gradient(135deg,var(--tn-navy),var(--tn-navy-2));box-shadow:var(--tn-shadow)}.tn-callout h2,.tn-callout p{color:#fff}.tn-callout p{opacity:.9}
.tn-table{width:100%;border-collapse:separate;border-spacing:0;border:1px solid var(--tn-line);border-radius:14px;overflow:hidden;background:#fff}.tn-table th,.tn-table td{padding:.85rem;border-bottom:1px solid var(--tn-line);text-align:left;vertical-align:top}.tn-table th{background:#eef4f8;color:#153e5e}.tn-table tr:last-child td{border-bottom:0}
.tn-footer{background:var(--tn-navy);color:#dce8f0;border-top:4px solid var(--tn-red)}
.tn-footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:1.5rem;padding:2.4rem 0 1.7rem}.tn-footer h2,.tn-footer h3{color:#fff;margin-top:0}.tn-footer p{color:#bdcbd6}.tn-footer a{color:#eef7ff}
.tn-footbar{padding:1rem 0;border-top:1px solid rgba(255,255,255,.12);font-size:.82rem;color:#9fb3c1}
@media(max-width:900px){.tn-grid-4,.tn-grid-3{grid-template-columns:repeat(2,minmax(0,1fr))}.tn-two,.tn-callout{grid-template-columns:1fr}.tn-footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.tn-wrap{width:min(var(--tn-wrap),calc(100% - 1.25rem))}.tn-brand img{max-height:115px}.tn-nav{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.25rem}.tn-nav a{text-align:center}.tn-hero{padding:3.2rem 0}.tn-hero h1{font-size:2.55rem}.tn-grid-4,.tn-grid-3,.tn-grid-2,.tn-footer-grid{grid-template-columns:1fr}.tn-btn{width:100%}.tn-actions{align-items:stretch}}