:root{--ivory:#FAF8F3;--white:#fff;--blue:#173B57;--med:#2F7398;--terra:#D7774F;--sand:#E8D8BD;--ink:#292D30;--muted:#637078;--line:#dcd7cd;--shadow:0 18px 50px rgba(23,59,87,.12);--radius:20px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--ivory);color:var(--ink);font-family:Montserrat,Arial,sans-serif;line-height:1.65}.skip{position:fixed;left:1rem;top:-5rem;z-index:100;background:var(--blue);color:#fff;padding:.75rem 1rem}.skip:focus{top:1rem}a{color:inherit}.container{width:min(1180px,calc(100% - 40px));margin:auto}.topline{height:6px;background:linear-gradient(90deg,var(--blue) 0 70%,var(--terra) 70%)}header{background:rgba(250,248,243,.97);position:sticky;top:0;z-index:20;border-bottom:1px solid rgba(23,59,87,.12);backdrop-filter:blur(12px)}.navrow{min-height:90px;display:flex;align-items:center;gap:24px}.brand{display:flex;align-items:center;text-decoration:none;margin-right:auto}.brand img{display:block;width:300px;max-width:32vw;height:auto}.nav{display:flex;align-items:center;gap:22px}.nav a{font-size:.78rem;font-weight:700;letter-spacing:.06em;text-decoration:none;color:var(--blue);white-space:nowrap}.nav a:hover,.nav a.active{color:var(--terra)}button,.button{font:inherit}.button{display:inline-flex;align-items:center;justify-content:center;gap:.55rem;border:0;border-radius:999px;padding:.86rem 1.25rem;background:var(--terra);color:#fff;text-decoration:none;font-weight:700;cursor:pointer;box-shadow:0 8px 20px rgba(215,119,79,.22)}.button:hover{filter:brightness(.95);transform:translateY(-1px)}.button.secondary{background:var(--blue)}.button.ghost{background:transparent;color:var(--blue);border:1px solid rgba(23,59,87,.25);box-shadow:none}.menu-button{display:none;border:0;background:none;color:var(--blue);font-size:1.6rem}.hero{position:relative;overflow:hidden;padding:76px 0 68px;background:linear-gradient(118deg,#fff 0 58%,#f1e9dc 58% 100%)}.hero-grid{display:grid;grid-template-columns:1.14fr .86fr;align-items:center;gap:56px}.eyebrow{color:var(--terra);font-size:.78rem;font-weight:800;letter-spacing:.16em;text-transform:uppercase}.hero h1,.page-hero h1{font-size:clamp(2.35rem,5.4vw,4.8rem);line-height:1.02;letter-spacing:-.045em;color:var(--blue);margin:.4rem 0 1.2rem}.hero p{font-size:1.16rem;max-width:650px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.hero-visual{position:relative;min-height:430px;border-radius:32px;background:var(--blue);box-shadow:var(--shadow);display:grid;place-items:center;overflow:hidden}.hero-visual:before{content:"";position:absolute;inset:18px;border:1px solid rgba(255,255,255,.25);border-radius:24px}.hero-visual img{width:78%;height:auto;filter:invert(1);mix-blend-mode:screen;opacity:.96}.hero-note{position:absolute;bottom:24px;left:24px;right:24px;background:rgba(255,255,255,.94);border-radius:14px;padding:14px 18px;color:var(--blue);font-weight:600}.section{padding:76px 0}.section.alt{background:var(--white)}.section.sand{background:#efe4d2}.section-head{max-width:760px;margin-bottom:32px}.section h2,.page-copy h2{font-size:clamp(1.8rem,3vw,3rem);line-height:1.12;letter-spacing:-.035em;color:var(--blue);margin:.35rem 0 1rem}.section-head p{font-size:1.04rem;color:var(--muted)}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:var(--white);border:1px solid rgba(23,59,87,.1);border-radius:var(--radius);padding:26px;box-shadow:0 6px 18px rgba(23,59,87,.05);text-decoration:none;transition:.2s}.card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.card-icon{width:44px;height:44px;border-radius:50%;display:grid;place-items:center;background:#e8f0f4;color:var(--med);font-weight:800}.card h3{color:var(--blue);margin:15px 0 8px;font-size:1.1rem}.card p{margin:0;color:var(--muted);font-size:.93rem}.arrow{display:inline-block;color:var(--terra);font-weight:800;margin-top:14px}.question-band{background:var(--blue);color:#fff;padding:40px;border-radius:30px;display:grid;grid-template-columns:1fr auto;gap:26px;align-items:center}.question-band h2{color:#fff;margin:0 0 8px}.question-box{display:flex;background:#fff;border-radius:999px;padding:6px;min-width:min(500px,42vw)}.question-box input{min-width:0;flex:1;border:0;background:transparent;padding:0 18px;font:inherit}.question-box input:focus{outline:none}.answer-list{display:grid;grid-template-columns:1fr 1fr;gap:12px}.answer-link{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;text-decoration:none;font-weight:600;color:var(--blue)}.answer-link:before{content:"?";flex:0 0 28px;height:28px;border-radius:50%;display:grid;place-items:center;background:var(--sand);color:var(--blue)}.split{display:grid;grid-template-columns:1fr 1fr;gap:54px;align-items:center}.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.stat{background:#fff;padding:22px;border-radius:16px}.stat strong{display:block;color:var(--blue);font-size:1.6rem}.page-hero{padding:62px 0 48px;background:#fff;border-bottom:1px solid var(--line)}.page-hero h1{font-size:clamp(2.3rem,4.8vw,4rem);max-width:880px}.page-hero p{max-width:790px;font-size:1.08rem}.breadcrumbs{font-size:.8rem;color:var(--muted);margin-bottom:16px}.page-copy{max-width:820px}.page-copy h2{margin-top:2.1rem;font-size:1.8rem}.page-copy h3{color:var(--blue);margin-top:1.6rem}.page-copy ul{padding-left:1.3rem}.callout{background:#eaf1f4;border-left:5px solid var(--med);padding:22px 24px;border-radius:0 16px 16px 0;margin:28px 0}.cta-panel{background:var(--blue);color:#fff;border-radius:24px;padding:34px;margin-top:42px}.cta-panel h2{color:#fff;margin-top:0}.tool-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}.tool{background:#fff;border-radius:20px;padding:28px;border:1px solid var(--line)}.tool label{display:block;color:var(--blue);font-size:.83rem;font-weight:700;margin:14px 0 5px}.tool input,.tool select,form input,form select,form textarea{width:100%;font:inherit;border:1px solid #b8bec1;border-radius:10px;padding:11px 12px;background:#fff}.result{margin-top:16px;padding:16px;border-radius:12px;background:#eaf1f4;color:var(--blue);font-weight:700}.guides{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.guide{min-height:180px;padding:26px;border-radius:20px;background:linear-gradient(145deg,var(--blue),#285775);color:#fff;text-decoration:none;display:flex;flex-direction:column;justify-content:flex-end}.guide small{color:#bfd4df}.guide strong{font-size:1.25rem}.footer-cta{background:var(--terra);color:#fff;padding:36px 0}.footer-cta .container{display:flex;justify-content:space-between;align-items:center;gap:24px}.footer-cta h2{margin:0;font-size:1.65rem}.footer-cta .button{background:#fff;color:var(--blue)}footer{background:#102c41;color:#d8e2e7;padding:52px 0 100px}.footer-grid{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:32px}.footer-brand img{width:300px;filter:invert(1);opacity:.95}.footer-grid h3{color:#fff;font-size:.9rem}.footer-grid a{display:block;color:#d8e2e7;text-decoration:none;margin:.42rem 0;font-size:.9rem}.fineprint{border-top:1px solid rgba(255,255,255,.14);margin-top:32px;padding-top:24px;font-size:.78rem;color:#aac0cb}.mobile-actions{display:none}dialog{width:min(640px,calc(100% - 30px));border:0;border-radius:22px;padding:0;box-shadow:0 30px 100px rgba(0,0,0,.28)}dialog::backdrop{background:rgba(10,28,42,.66)}.dialog-head{display:flex;align-items:flex-start;justify-content:space-between;background:var(--blue);color:#fff;padding:22px 26px}.dialog-head h2{margin:0;font-size:1.4rem}.close{border:0;background:transparent;color:#fff;font-size:1.8rem;cursor:pointer}.dialog-body{padding:26px}.dialog-body .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}.dialog-body label{display:block;color:var(--blue);font-size:.82rem;font-weight:700;margin:10px 0 5px}.form-note{font-size:.78rem;color:var(--muted)}.success{padding:20px;background:#e7f2ed;border-radius:14px;color:#18583f} @media(max-width:1050px){.nav{display:none;position:absolute;top:96px;left:0;right:0;background:var(--ivory);padding:22px;box-shadow:var(--shadow);flex-direction:column;align-items:flex-start}.nav.open{display:flex}.menu-button{display:block}.brand img{max-width:54vw}.hero-grid{grid-template-columns:1fr}.hero-visual{min-height:360px}.cards,.guides{grid-template-columns:repeat(2,1fr)}.question-band{grid-template-columns:1fr}.question-box{min-width:0;width:100%}}@media(max-width:700px){.container{width:min(100% - 28px,1180px)}.navrow{min-height:74px}.brand img{width:235px;max-width:68vw}.nav{top:80px}.hero,.section{padding:52px 0}.hero-grid{gap:32px}.hero-visual{min-height:320px}.cards,.guides,.tool-grid,.split,.answer-list,.footer-grid,.dialog-body .row{grid-template-columns:1fr}.question-band{padding:28px 20px}.question-box{display:block;background:transparent}.question-box input{background:#fff;min-height:48px;border-radius:12px;width:100%;margin-bottom:8px}.question-box .button{width:100%}.footer-cta .container{display:block}.footer-cta .button{margin-top:16px}.stats{grid-template-columns:1fr}.mobile-actions{position:fixed;bottom:0;left:0;right:0;z-index:30;background:#fff;box-shadow:0 -8px 24px rgba(23,59,87,.15);display:grid;grid-template-columns:repeat(3,1fr)}.mobile-actions a,.mobile-actions button{font:inherit;font-size:.72rem;font-weight:700;color:var(--blue);text-decoration:none;background:#fff;border:0;padding:12px 4px}.mobile-actions button{color:var(--terra)}footer{padding-bottom:110px}}