:root{--navy:#0a1f33;--navy2:#0e2c47;--ink:#12222f;--muted:#51606c;--accent:#0e7c66;--accent-dark:#0a5f4f;--accent-soft:#e6f3f0;--gold:#c9a227;--bg:#ffffff;--bg-soft:#f5f7f9;--line:#dbe2e8;--radius:14px;--max:1120px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.62;font-size:17px}h1,h2,h3{font-family:Inter,system-ui,sans-serif;color:var(--navy);line-height:1.16;letter-spacing:-.02em;margin:0 0 .55em}h1{font-size:2.55rem;font-weight:800}h2{font-size:1.75rem;font-weight:750;margin-top:1.4em}h3{font-size:1.18rem;font-weight:700}p{margin:0 0 1em}a{color:var(--accent-dark);text-decoration:underline;text-underline-offset:3px}a:hover{color:var(--accent)}.wrap{max-width:var(--max);margin:0 auto;padding:0 22px}.lede{font-size:1.18rem;color:var(--muted);max-width:44rem}.small{font-size:.9rem;color:var(--muted)}.btn{display:inline-block;background:var(--accent);color:#fff;padding:.78rem 1.5rem;border-radius:999px;font-weight:650;text-decoration:none;border:1px solid var(--accent)}.btn:hover{background:var(--accent-dark);color:#fff}.btn.secondary{background:#fff;color:var(--navy);border:1px solid var(--line)}.btn.secondary:hover{border-color:var(--accent);color:var(--accent-dark)}header.site{position:sticky;top:0;background:#fffffff5;border-bottom:1px solid var(--line);z-index:50;backdrop-filter:blur(6px)}.nav{display:flex;align-items:center;gap:1.4rem;max-width:var(--max);margin:0 auto;padding:.8rem 22px;flex-wrap:wrap}.wordmark{font-weight:850;font-size:1.22rem;color:var(--navy);text-decoration:none;letter-spacing:-.02em}.wordmark span{color:var(--accent)}.nav nav{display:flex;gap:1.05rem;flex-wrap:wrap;margin-left:auto;align-items:center}.nav nav a{color:var(--ink);text-decoration:none;font-size:.96rem;font-weight:550}.nav nav a:hover{color:var(--accent-dark)}.nav .btn{padding:.55rem 1.1rem}.crumbs{font-size:.88rem;color:var(--muted);padding:1rem 0 0}.crumbs a{color:var(--muted)}.hero{background:linear-gradient(180deg,var(--navy) 0%,var(--navy2) 100%);color:#eaf1f6;padding:3.6rem 0 3.2rem;margin-bottom:2.4rem}.hero h1{color:#fff;max-width:22ch}.hero .lede{color:#c3d2dd}.hero a{color:#9fd8c9}.hero.light{background:var(--bg-soft);color:var(--ink)}.hero.light h1{color:var(--navy)}.hero.light .lede{color:var(--muted)}main{padding-bottom:3.5rem}.grid{display:grid;gap:1.1rem}.grid.c2{grid-template-columns:repeat(2,1fr)}.grid.c3{grid-template-columns:repeat(3,1fr)}@media(max-width:860px){.grid.c2,.grid.c3{grid-template-columns:1fr}h1{font-size:2rem}}.card{border:1px solid var(--line);border-radius:var(--radius);padding:1.25rem 1.3rem;background:#fff}.card h3{margin-bottom:.35em}.card p:last-child{margin-bottom:0}.card a.title{color:var(--navy);text-decoration:none;font-weight:700;font-size:1.1rem}.card a.title:hover{color:var(--accent-dark)}.tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;margin:1.6rem 0}@media(max-width:860px){.tiles{grid-template-columns:repeat(2,1fr)}}.tile{background:#fff;border:1px solid var(--line);border-top:4px solid var(--accent);border-radius:10px;padding:1rem 1.1rem}.tile .k{font-size:.8rem;text-transform:uppercase;letter-spacing:.07em;color:var(--muted);font-weight:650}.tile .v{font-size:1.28rem;font-weight:750;color:var(--navy);margin-top:.2rem}.layout{display:grid;grid-template-columns:290px 1fr;gap:2.2rem;align-items:start}@media(max-width:860px){.layout{grid-template-columns:1fr}}.sidebar{position:sticky;top:96px;border:1px solid var(--line);border-radius:var(--radius);padding:1.2rem 1.25rem;background:var(--bg-soft)}.sidebar h3{margin-top:0;font-size:1rem;text-transform:uppercase;letter-spacing:.05em}.sidebar dl{margin:0}.sidebar dt{font-weight:700;color:var(--navy);font-size:.92rem;margin-top:.85rem}.sidebar dd{margin:.15rem 0 0;color:var(--ink);font-size:.96rem}.status{display:inline-block;background:var(--accent-soft);color:var(--accent-dark);border:1px solid #bcdcd4;border-radius:999px;padding:.28rem .85rem;font-weight:650;font-size:.9rem}table.data{width:100%;border-collapse:collapse;margin:1.2rem 0;font-size:.97rem}table.data th,table.data td{border:1px solid var(--line);padding:.65rem .8rem;text-align:left;vertical-align:top}table.data th{background:var(--bg-soft);color:var(--navy);width:26%}ul.tight li{margin-bottom:.4rem}.faq{border-top:1px solid var(--line);padding:1rem 0}.faq h3{font-size:1.05rem;margin-bottom:.3em}.cta-band{background:var(--navy);color:#dce7ee;border-radius:var(--radius);padding:2rem 2.2rem;margin:2.6rem 0 0}.cta-band h2{color:#fff;margin-top:0}.cta-band a{color:#9fd8c9}.note{border-left:4px solid var(--gold);background:#fbf7ea;padding:1rem 1.2rem;border-radius:0 10px 10px 0;margin:1.4rem 0}footer.site{background:var(--navy);color:#c3d2dd;padding:3rem 0 2.2rem;margin-top:2rem}footer.site a{color:#9fd8c9}footer.site h3{color:#fff;font-size:1rem}footer.site .cols{display:grid;grid-template-columns:repeat(4,1fr);gap:1.6rem}@media(max-width:860px){footer.site .cols{grid-template-columns:repeat(2,1fr)}}footer.site ul{list-style:none;padding:0;margin:0}footer.site li{margin-bottom:.45rem}footer.site li a{color:#c3d2dd;text-decoration:none}footer.site li a:hover{color:#fff}.quiz{border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;background:#fff;color:var(--ink)}.quiz fieldset{border:0;padding:0;margin:0 0 1.3rem}.quiz legend{font-weight:700;color:var(--navy);margin-bottom:.55rem;font-size:1.05rem}.quiz .opts{display:flex;flex-wrap:wrap;gap:.55rem}.quiz label.opt{border:1px solid var(--line);border-radius:999px;padding:.45rem 1rem;cursor:pointer;font-size:.96rem;background:#fff}.quiz label.opt:has(input:checked){background:var(--accent);border-color:var(--accent);color:#fff;font-weight:650}.quiz input[type=radio]{position:absolute;opacity:0}.quiz-result{border-top:1px solid var(--line);margin-top:1.2rem;padding-top:1.2rem}input[type=text],input[type=email],input[type=tel],input[type=number],select,textarea{width:100%;padding:.65rem .8rem;border:1px solid var(--line);border-radius:9px;font:inherit;background:#fff}label.fl{display:block;font-weight:600;color:var(--navy);margin:1rem 0 .35rem}button.btn{cursor:pointer;font:inherit}.checkline{display:flex;gap:.6rem;align-items:flex-start;margin:.5rem 0}.checkline input{margin-top:.3rem}