:root{--ink:#10243A;--muted:#3D5670;--blue:#0B3B66;--blue-2:#134E85;--accent:#2EC4B6;--accent-ink:#0E7A70;--bg:#FFFFFF;--soft:#F2F6FA;--line:#D6E0EA;--mark:#FFF1B8;--radius:12px;--wrap:1120px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;font-size:1.0625rem;line-height:1.65;color:var(--ink);background:var(--bg)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 16px}
a{color:var(--blue-2);text-underline-offset:3px}a:hover{color:var(--blue)}
:focus-visible{outline:3px solid var(--accent-ink);outline-offset:2px;border-radius:4px}
.skip{position:absolute;left:-9999px;top:8px;background:var(--blue);color:#fff;padding:8px 14px;border-radius:6px;z-index:10}.skip:focus{left:8px}
h1,h2,h3{line-height:1.25;color:var(--blue);text-wrap:balance}
h1{font-size:clamp(1.9rem,4.5vw,2.8rem);margin:.2em 0 .3em;letter-spacing:-.01em}
h2{font-size:clamp(1.35rem,2.6vw,1.7rem);margin:2em 0 .6em}h3{font-size:1.15rem}
.site-header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:5}
.bar{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--blue);font-weight:800;font-size:1.3rem}
.logo-mark{width:32px;height:32px}.tld{color:var(--accent-ink)}
.menu ul{list-style:none;display:flex;flex-wrap:nowrap;gap:0;margin:0;padding:0}
.menu a{display:block;padding:6px 7px;border-radius:8px;text-decoration:none;color:var(--ink);font-size:.9rem;white-space:nowrap}
.menu a:hover{background:var(--soft)}.menu a[aria-current=page]{color:var(--blue);font-weight:700;box-shadow:inset 0 -3px 0 var(--accent)}
.menu-btn{display:none;font:inherit;font-weight:600;background:var(--blue);color:#fff;border:0;border-radius:8px;padding:8px 14px;cursor:pointer}
@media (max-width:1180px){.menu-btn{display:block}.menu{display:none;position:absolute;left:0;right:0;top:64px;background:#fff;border-bottom:1px solid var(--line);padding:8px 16px 16px}.menu.open{display:block}.menu ul{flex-direction:column}.menu a{padding:12px 8px;border-bottom:1px solid var(--soft)}}
.hero{background:linear-gradient(160deg,var(--blue) 0%,#0F4C80 60%,#136C8C 100%);color:#fff;padding:56px 0 64px}
.hero h1{color:#fff}.hero .lead{color:#E3EEF8}.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.8rem;font-weight:700;color:#9FE8E0;margin:0}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.hero-side{display:flex;flex-direction:column;gap:18px}
.hero-illu{margin:0}.hero-illu svg{width:100%;height:auto;max-height:320px;display:block}
.hero-card{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.25);border-radius:var(--radius);padding:24px}
.hero-card h2{color:#9FE8E0;margin:0 0 .4em;font-size:1rem;text-transform:uppercase;letter-spacing:.08em}.hero-card p{margin:0;color:#fff}
@media (max-width:820px){.hero-grid{grid-template-columns:1fr}.hero{padding:36px 0 44px}}
.lead{font-size:1.2rem;color:var(--muted);max-width:62ch}
.btn{display:inline-block;background:var(--accent);color:#06221F;font-weight:700;text-decoration:none;padding:12px 20px;border-radius:10px;margin:4px 8px 4px 0}
.btn:hover{background:#5ED6CB;color:#06221F}.btn-ghost{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.7)}.btn-ghost:hover{background:rgba(255,255,255,.12);color:#fff}
.prose .btn,.cta-line .btn{color:#06221F}
.section{padding:48px 16px}.section-title{margin-top:0}
.cards{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px}
.card{position:relative;border:1px solid var(--line);border-radius:var(--radius);padding:20px;background:#fff;transition:box-shadow .15s,border-color .15s}
.card:hover{border-color:var(--accent);box-shadow:0 6px 20px rgba(11,59,102,.08)}
.card h3{margin:.2em 0 .4em}.card h3 a{text-decoration:none;color:var(--blue)}.card h3 a::after{content:"";position:absolute;inset:0}
.card p{margin:0;color:var(--muted)}.card-kicker{font-size:.8rem!important;text-transform:uppercase;letter-spacing:.1em;font-weight:700;color:var(--accent-ink)!important}
.stat{background:var(--soft);padding:36px 0}.stat-inner{display:grid;grid-template-columns:auto 1fr;gap:28px;align-items:center}
.stat-num{font-size:clamp(2.2rem,5vw,3.2rem);font-weight:800;color:var(--blue);margin:0;line-height:1.1}.stat-num span{display:block;font-size:1rem;font-weight:600;color:var(--muted)}
.stat-txt{margin:0}@media (max-width:700px){.stat-inner{grid-template-columns:1fr;gap:8px}}
.links-row{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:10px}.links-row a{display:block;padding:8px 14px;border:1px solid var(--line);border-radius:999px;text-decoration:none}.links-row a:hover{border-color:var(--accent)}
.page-head{background:var(--soft);border-bottom:1px solid var(--line);padding:20px 0 28px}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0;margin:0;font-size:.9rem;color:var(--muted)}.crumbs li+li::before{content:"›";margin-right:6px}
.prose{max-width:820px;padding-top:12px;padding-bottom:56px}.prose>h2:first-child{margin-top:1.2em}
.prose ul,.prose ol{padding-left:1.3em}.prose li{margin:.35em 0}
.steps{counter-reset:s;list-style:none;padding-left:0!important}.steps li{counter-increment:s;position:relative;padding-left:44px;margin:.8em 0}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:30px;height:30px;border-radius:50%;background:var(--blue);color:#fff;font-weight:700;display:grid;place-items:center;font-size:.9rem}
.table-wrap{overflow-x:auto;margin:1em 0 1.4em;border:1px solid var(--line);border-radius:var(--radius)}
table{border-collapse:collapse;width:100%;min-width:520px;font-size:.98rem}caption{position:absolute;left:-9999px}
th,td{text-align:left;vertical-align:top;padding:12px 14px;border-bottom:1px solid var(--line)}thead th{background:var(--blue);color:#fff;font-weight:700}
tbody th{background:var(--soft);font-weight:700;color:var(--blue);width:30%}tbody tr:last-child>*{border-bottom:0}
.note{border-left:4px solid var(--accent);background:#EAF8F6;padding:12px 16px;border-radius:0 var(--radius) var(--radius) 0;margin:1.4em 0}.note p{margin:0}
.source{font-size:.88rem;color:var(--muted)}.small{font-size:.92rem;color:var(--muted)}
.next{margin-top:2.2em;padding-top:1em;border-top:1px solid var(--line);font-weight:600}
.figure{margin:1.2em 0 1.6em}.figure svg{width:100%;height:auto;border:1px solid var(--line);border-radius:var(--radius);background:#fff;padding:8px}
.figure figcaption{font-size:.92rem;color:var(--muted);margin-top:.5em}
.glossary div{padding:14px 0;border-bottom:1px solid var(--line)}.glossary dt{font-weight:800;color:var(--blue)}.glossary dd{margin:.2em 0 0}
.faq details{border:1px solid var(--line);border-radius:var(--radius);margin:10px 0;background:#fff}
.faq summary{cursor:pointer;padding:14px 18px;font-weight:700;color:var(--blue);list-style-position:outside}.faq details[open] summary{border-bottom:1px solid var(--line)}
.faq details p{margin:0;padding:14px 18px}
mark{background:var(--mark);padding:0 4px;border-radius:3px}
.site-footer{background:var(--blue);color:#D5E3F0;padding:40px 0 20px;font-size:.95rem}
.site-footer a{color:#fff}.brand-foot{color:#fff}.brand-foot .logo-mark rect{stroke:#9FE8E0;stroke-width:1.5}.brand-foot .tld{color:#9FE8E0}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:28px}.foot-grid ul{list-style:none;padding:0;margin:0}.foot-grid li{margin:.35em 0}
.foot-title{color:#9FE8E0;font-size:.85rem;text-transform:uppercase;letter-spacing:.1em;margin:0 0 .6em}
.copy{border-top:1px solid rgba(255,255,255,.2);margin-top:28px;padding-top:14px;font-size:.85rem}
@media (max-width:760px){.foot-grid{grid-template-columns:1fr}}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}