.hdl-topical-page{--hdl-topical-navy:#102c46;--hdl-topical-deep:#0a2136;--hdl-topical-teal:#157b78;--hdl-topical-red:#c63d47;--hdl-topical-text:#263746;--hdl-topical-muted:#5d6c78;--hdl-topical-border:#d9e2e8;--hdl-topical-surface:#f6f9fa;box-sizing:border-box;width:100%;overflow:hidden;background:#fff;color:var(--hdl-topical-text);font-family:Arial,Helvetica,sans-serif;font-size:17px;line-height:1.65}
.hdl-topical-page *{box-sizing:border-box}.hdl-topical-page a{color:var(--hdl-topical-teal);text-decoration-thickness:1px;text-underline-offset:3px}.hdl-topical-page a:hover{color:var(--hdl-topical-navy)}.hdl-topical-page a:focus-visible{outline:3px solid rgba(198,61,71,.3);outline-offset:3px}
.hdl-topical-container{width:min(calc(100% - 40px),1200px);margin:0 auto}.hdl-topical-section{padding:76px 0}.hdl-topical-section-alt{background:var(--hdl-topical-surface)}.hdl-topical-eyebrow{margin:0 0 14px;color:var(--hdl-topical-red);font-size:.78rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase}
.hdl-topical-page h1,.hdl-topical-page h2,.hdl-topical-page h3{margin-top:0;color:var(--hdl-topical-navy);line-height:1.18}.hdl-topical-page h1{max-width:900px;margin-bottom:24px;font-size:clamp(2.35rem,5vw,4.7rem);letter-spacing:-.045em}.hdl-topical-page h2{margin-bottom:18px;font-size:clamp(1.8rem,3vw,2.8rem);letter-spacing:-.025em}.hdl-topical-page h3{margin-bottom:12px;font-size:1.22rem}.hdl-topical-page p{margin-top:0}.hdl-topical-section-intro{max-width:820px;margin-bottom:38px;color:var(--hdl-topical-muted);font-size:1.06rem}
.hdl-topical-hero{position:relative;padding:92px 0 86px;border-top:5px solid var(--hdl-topical-red);background:linear-gradient(120deg,rgba(234,245,244,.8),rgba(255,255,255,0) 58%),#fff}.hdl-topical-hero-content{position:relative;z-index:1;max-width:960px}.hdl-topical-hero-copy{max-width:790px;margin-bottom:32px;color:var(--hdl-topical-muted);font-size:clamp(1.06rem,2vw,1.28rem)}.hdl-topical-actions{display:flex;flex-wrap:wrap;gap:14px;align-items:center}
.hdl-topical-button{display:inline-flex;min-height:52px;align-items:center;justify-content:center;padding:13px 25px;border:2px solid var(--hdl-topical-navy);border-radius:4px;background:var(--hdl-topical-navy);color:#fff!important;font-weight:700;line-height:1.3;text-align:center;text-decoration:none!important}.hdl-topical-button:hover{border-color:var(--hdl-topical-teal);background:var(--hdl-topical-teal);color:#fff!important}.hdl-topical-text-link{display:inline-flex;min-height:44px;align-items:center;padding:8px 3px;font-weight:700}.hdl-topical-text-link:after{margin-left:8px;content:"\2192"}
.hdl-topical-category-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.hdl-topical-category-card{display:flex;min-width:0;flex-direction:column;padding:28px;border:1px solid var(--hdl-topical-border);border-top:4px solid var(--hdl-topical-teal);border-radius:6px;background:#fff;box-shadow:0 10px 30px rgba(16,44,70,.06)}.hdl-topical-category-card p{color:var(--hdl-topical-muted)}.hdl-topical-category-label{margin-bottom:6px!important;color:var(--hdl-topical-navy)!important;font-size:.82rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase}.hdl-topical-category-card ul{margin:0 0 23px;padding-left:20px}.hdl-topical-category-card li{margin-bottom:6px}.hdl-topical-card-link{margin-top:auto;font-weight:700}
.hdl-topical-active-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:13px;margin:32px 0}.hdl-topical-active-item{min-width:0;padding:15px 16px;border:1px solid var(--hdl-topical-border);border-radius:4px;background:#fff;color:var(--hdl-topical-navy);font-weight:700;overflow-wrap:anywhere}.hdl-topical-notice{margin:28px 0 0;padding:20px 22px;border-left:4px solid var(--hdl-topical-red);background:#fff7f7;color:#4b3a3c}.hdl-topical-notice strong{color:var(--hdl-topical-navy)}
.hdl-topical-table-wrap{width:100%;margin-top:34px;overflow-x:auto;border:1px solid var(--hdl-topical-border);border-radius:6px;background:#fff;-webkit-overflow-scrolling:touch}.hdl-topical-table{width:100%;min-width:740px;border-collapse:collapse;text-align:left}.hdl-topical-table th,.hdl-topical-table td{padding:19px 21px;border-bottom:1px solid var(--hdl-topical-border);vertical-align:top}.hdl-topical-table th{background:var(--hdl-topical-navy);color:#fff}.hdl-topical-table tr:last-child td{border-bottom:0}.hdl-topical-table tbody tr:nth-child(even){background:var(--hdl-topical-surface)}
.hdl-topical-support-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px;margin-top:34px}.hdl-topical-support-card{padding:24px;border:1px solid var(--hdl-topical-border);border-radius:6px;background:#fff}.hdl-topical-support-number{display:inline-flex;width:34px;height:34px;margin-bottom:16px;border-radius:50%;align-items:center;justify-content:center;background:#eaf5f4;color:var(--hdl-topical-teal);font-size:.86rem;font-weight:700}.hdl-topical-support-card p{margin-bottom:0;color:var(--hdl-topical-muted)}
.hdl-topical-buyer-layout{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:42px;align-items:start}.hdl-topical-checklist{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin:0;padding:0;list-style:none}.hdl-topical-checklist li{position:relative;padding:16px 16px 16px 43px;border:1px solid var(--hdl-topical-border);border-radius:4px;background:#fff}.hdl-topical-checklist li:before{position:absolute;top:18px;left:17px;color:var(--hdl-topical-teal);content:"\2713";font-weight:700}
.hdl-topical-faq-list{display:grid;gap:16px;margin-top:34px}.hdl-topical-faq-item{padding:25px 27px;border:1px solid var(--hdl-topical-border);border-left:4px solid var(--hdl-topical-teal);border-radius:4px;background:#fff}.hdl-topical-faq-item h3{margin-bottom:9px;font-size:1.1rem}.hdl-topical-faq-item p{margin-bottom:0;color:var(--hdl-topical-muted)}.hdl-topical-final-cta{padding:72px 0;background:var(--hdl-topical-deep);color:#fff}.hdl-topical-final-layout{display:flex;gap:32px;align-items:center;justify-content:space-between}.hdl-topical-final-copy{max-width:760px}.hdl-topical-final-cta h2{color:#fff}.hdl-topical-final-cta p{margin-bottom:0;color:#ccdae3}.hdl-topical-final-cta .hdl-topical-button{flex:0 0 auto;border-color:#fff;background:#fff;color:var(--hdl-topical-navy)!important}
@media(max-width:960px){.hdl-topical-category-grid,.hdl-topical-active-grid,.hdl-topical-support-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.hdl-topical-buyer-layout{grid-template-columns:1fr}}
@media(max-width:680px){.hdl-topical-container{width:min(calc(100% - 28px),1200px)}.hdl-topical-section,.hdl-topical-final-cta{padding:56px 0}.hdl-topical-hero{padding:68px 0 62px}.hdl-topical-category-grid,.hdl-topical-active-grid,.hdl-topical-support-grid,.hdl-topical-checklist{grid-template-columns:1fr}.hdl-topical-category-card,.hdl-topical-support-card,.hdl-topical-faq-item{padding:22px}.hdl-topical-actions,.hdl-topical-final-layout{align-items:stretch;flex-direction:column}.hdl-topical-button{width:100%}}