.reference-blog{--navy:#061b33;--gold:#e39600;--gold-light:#f4b63e;--gold-soft:#fff6e4;--muted:#68768a;--line:#dfe5eb;--soft:#f5f7f9;--white:#fff;--success:#146c5d;color:#10253d;line-height:1.7}.reference-blog h2,.reference-blog h3,.reference-blog strong,.reference-blog th{font-weight:700}.reference-blog ul{list-style:outside}.reference-blog ol{list-style:decimal}.reference-blog a{text-decoration:underline}.reference-blog .article h2{color:var(--navy);letter-spacing:-.035em;margin:54px 0 16px;font-size:clamp(28px,3vw,38px);line-height:1.17}.reference-blog .article h3{color:var(--navy);margin:31px 0 11px;font-size:21px;line-height:1.3}.reference-blog .article p{color:#2c3d50;margin:0 0 18px;font-size:17px}.reference-blog .article ul,.reference-blog .article ol{margin:0 0 22px 21px;padding:0}.reference-blog .article li{color:#2c3d50;margin-bottom:10px;padding-left:4px;font-size:16.5px}.reference-blog .article strong{color:var(--navy)}.reference-blog .article a{color:#0a5d9d;text-underline-offset:3px;text-decoration-thickness:1px}.reference-blog .section-rule{background:var(--gold);border-radius:3px;width:54px;height:3px;margin:0 0 24px}.reference-blog .summary-box{background:var(--soft);border:1px solid var(--line);border-radius:20px;padding:28px}.reference-blog .summary-box h2{margin:0 0 14px;font-size:24px}.reference-blog .summary-box ul{margin-bottom:0}.reference-blog .alert{background:var(--gold-soft);border:1px solid #e3960040;border-radius:18px;grid-template-columns:56px 1fr;gap:18px;margin:29px 0;padding:24px 26px;display:grid}.reference-blog .alert-icon{width:52px;height:52px;color:var(--navy);background:#e396002b;border-radius:50%;place-items:center;font-size:18px;font-weight:900;display:grid}.reference-blog .alert h3{margin:0 0 6px;font-size:19px}.reference-blog .alert p{color:#435266;margin:0;font-size:15.5px}.reference-blog .factor-grid{grid-template-columns:repeat(2,1fr);gap:14px;margin:24px 0 28px;display:grid}.reference-blog .factor{border:1px solid var(--line);background:var(--white);border-radius:17px;padding:22px}.reference-blog .factor:nth-child(5){grid-column:1/-1}.reference-blog .factor-num{color:var(--gold);letter-spacing:.12em;text-transform:uppercase;font-size:11px;font-weight:900}.reference-blog .factor h3{margin:7px 0;font-size:18px}.reference-blog .factor p{color:var(--muted);margin:0;font-size:14.5px}.reference-blog .price-table-wrap{border:1px solid var(--line);border-radius:17px;margin:25px 0 12px;overflow-x:auto}.reference-blog .price-table{border-collapse:collapse;background:var(--white);width:100%;min-width:700px}.reference-blog .price-table th{background:var(--navy);color:var(--white);text-align:left;letter-spacing:.02em;padding:15px 16px;font-size:12px;line-height:1.35}.reference-blog .price-table td{border-top:1px solid var(--line);color:#3c4b5c;padding:15px 16px;font-size:14px}.reference-blog .price-table td strong{font-size:15px}.reference-blog .table-note{color:var(--muted)!important;font-size:13px!important}.reference-blog .case-grid{gap:15px;margin:24px 0 28px;display:grid}.reference-blog .case-card{background:var(--soft);border:1px solid var(--line);border-radius:18px;grid-template-columns:155px 1fr;align-items:center;gap:24px;padding:23px;display:grid}.reference-blog .case-number{color:var(--navy);letter-spacing:-.03em;font-size:25px;font-weight:900;line-height:1.1}.reference-blog .case-copy{color:#465567;font-size:15px;line-height:1.55}.reference-blog .case-copy strong{margin-bottom:4px;display:block}.reference-blog .case-disclaimer{color:var(--muted)!important;margin-top:-4px!important;font-size:13px!important}.reference-blog .process{grid-template-columns:repeat(4,1fr);gap:12px;margin:24px 0 28px;display:grid}.reference-blog .process-step{background:var(--navy);min-height:182px;color:var(--white);border-radius:17px;padding:21px}.reference-blog .process-step .step-no{color:var(--gold-light);letter-spacing:.12em;text-transform:uppercase;font-size:11px;font-weight:900}.reference-blog .process-step h3{color:var(--white);margin:10px 0;font-size:18px}.reference-blog .process-step p{color:#ffffffa8;margin:0;font-size:13.5px;line-height:1.55}.reference-blog .checklist{gap:10px;display:grid;margin-left:0!important;list-style:none!important}.reference-blog .checklist li{border:1px solid var(--line);background:var(--white);border-radius:14px;margin:0;padding:15px 16px 15px 46px;position:relative}.reference-blog .checklist li:before{content:"✓";width:20px;height:20px;color:var(--white);background:var(--success);border-radius:50%;place-items:center;font-size:11px;font-weight:900;display:grid;position:absolute;top:14px;left:16px}.reference-blog .faq{border-top:1px solid var(--line);margin-top:18px}.reference-blog .faq-item{border-bottom:1px solid var(--line);padding:22px 0}.reference-blog .faq-item h3{margin:0 0 9px;font-size:18px}.reference-blog .faq-item p{margin:0;font-size:15.5px}.reference-blog .sources{background:var(--soft);border:1px solid var(--line);border-radius:18px;margin-top:28px;padding:25px}.reference-blog .sources h3{margin-top:0}.reference-blog .sources ol{margin-bottom:0}.reference-blog .sources li{font-size:14px}@media (max-width:767px){.reference-blog .factor-grid,.reference-blog .process{grid-template-columns:1fr}.reference-blog .factor:nth-child(5){grid-column:auto}.reference-blog .case-card{grid-template-columns:1fr;gap:12px}.reference-blog .alert{grid-template-columns:1fr}.reference-blog .summary-box{padding:22px}.reference-blog .article h2{font-size:28px}}
