:root{--navy:#0b2d5c;--navy2:#061d3d;--red:#e63946;--ink:#14253a;--muted:#5d6f83;--line:#dce4ed;--soft:#f5f8fc;--white:#fff;--shadow:0 18px 45px rgba(15,43,79,.11);--radius:22px;--max:1180px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:92px}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.65}.shell{width:min(calc(100% - 40px),var(--max));margin-inline:auto}.narrow{max-width:780px}.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:16px;z-index:100;background:#fff;padding:10px 14px;border-radius:8px}.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(14px);border-bottom:1px solid rgba(220,228,237,.85)}.site-header:before{content:"";display:block;height:4px;background:linear-gradient(90deg,var(--navy) 0 50%,var(--red) 50%)}.nav-wrap{min-height:78px;display:flex;align-items:center;gap:26px}.brand{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--navy);margin-right:auto}.brand-mark{width:42px;height:34px;border-radius:10px;background:var(--navy);position:relative;display:block}.brand-mark:after{content:"";position:absolute;bottom:-7px;left:10px;border:7px solid transparent;border-top-color:var(--navy);transform:rotate(14deg)}.brand-mark span{position:absolute;width:5px;height:5px;border-radius:50%;background:#fff;left:9px;top:14px;box-shadow:9px 0 #fff,18px 0 #fff}.brand-text{font-size:22px;letter-spacing:-.5px}.brand-text small{color:var(--red);font-weight:800}.main-nav{display:flex;align-items:center;gap:22px}.main-nav a{color:#334960;text-decoration:none;font-weight:680;font-size:14px}.main-nav a:hover{color:var(--navy)}.main-nav .nav-cta{background:var(--navy);color:#fff;padding:11px 16px;border-radius:12px}.nav-toggle{display:none;border:1px solid var(--line);background:#fff;border-radius:10px;padding:9px 12px;font-weight:700;color:var(--navy)}.hero{padding:72px 0 66px;background:radial-gradient(circle at 92% 12%,rgba(230,57,70,.09),transparent 30%),linear-gradient(180deg,#f9fbfe,#fff)}.hero-grid{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(390px,.92fr);gap:52px;align-items:center}.eyebrow{display:inline-flex;font-weight:800;letter-spacing:.13em;font-size:12px;color:var(--red);text-transform:uppercase;margin-bottom:13px}.hero h1,.page-hero h1{font-size:clamp(42px,5vw,68px);line-height:1.02;letter-spacing:-.047em;color:var(--navy2);margin:0 0 24px}.page-hero h1{font-size:clamp(38px,4.2vw,58px)}.lead,.page-hero p{font-size:19px;color:var(--muted);max-width:720px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 19px;border-radius:13px;text-decoration:none;font-weight:800;border:1px solid transparent;cursor:pointer}.btn.primary{background:var(--red);color:#fff;box-shadow:0 10px 28px rgba(230,57,70,.22)}.btn.ghost{border-color:#cbd6e2;color:var(--navy);background:#fff}.btn.full{width:100%}.trust-line{display:flex;gap:16px;flex-wrap:wrap;margin-top:26px;color:#496178;font-size:13px;font-weight:700}.entry-card{background:#fff;border:1px solid #dbe4ee;border-radius:26px;padding:30px;box-shadow:var(--shadow);scroll-margin-top:105px}.entry-badge{display:inline-flex;align-items:center;gap:8px;background:#eef8f3;color:#24634a;border-radius:999px;padding:7px 11px;font-size:12px;font-weight:800}.entry-badge span{width:8px;height:8px;border-radius:50%;background:#22a66a}.entry-card h2{font-size:30px;line-height:1.1;color:var(--navy);margin:18px 0 9px}.entry-card>p{color:var(--muted);margin:0 0 20px}.nick-form label{display:block;font-size:13px;font-weight:800;color:#314a64;margin-bottom:7px}.input-row{display:flex;gap:9px}.input-row input{min-width:0;flex:1;border:1px solid #cbd7e4;border-radius:12px;padding:14px 15px;font:inherit;outline:none}.input-row input:focus{border-color:#5378a6;box-shadow:0 0 0 4px rgba(33,82,140,.09)}.input-row button{border:0;border-radius:12px;background:var(--navy);color:#fff;padding:0 18px;font-weight:800;cursor:pointer}.form-help{font-size:12px;color:#7b8da0;margin-top:7px}.form-error{min-height:22px;color:#b4222d;font-size:13px;font-weight:700;margin-top:3px}.entry-features{border-top:1px solid #edf1f5;margin-top:12px;padding-top:16px;display:grid;grid-template-columns:1fr 1fr;gap:8px;font-size:12px;font-weight:700;color:#536a82}.section{padding:76px 0}.section.alt{background:var(--soft)}.section-head{max-width:720px;margin-bottom:30px}.section-head h2,.split-callout h2,.editorial-card h2{color:var(--navy2);font-size:clamp(30px,3.2vw,44px);line-height:1.08;letter-spacing:-.035em;margin:0 0 12px}.section-head p,.split-callout p{color:var(--muted);font-size:17px}.card-grid{display:grid;gap:18px}.card-grid.four{grid-template-columns:repeat(4,1fr)}.card-grid.three{grid-template-columns:repeat(3,1fr)}.card-grid.two{grid-template-columns:repeat(2,1fr)}.feature-card,.info-card,.step{display:block;text-decoration:none;color:inherit;background:#fff;border:1px solid var(--line);border-radius:20px;padding:24px;transition:.18s ease}.feature-card:not(.static):hover{transform:translateY(-3px);box-shadow:0 12px 30px rgba(16,46,81,.09)}.feature-card h3,.feature-card h2,.info-card h2,.step h2{color:var(--navy);font-size:20px;margin:12px 0 7px;line-height:1.2}.feature-card p,.info-card p,.step p{color:var(--muted);margin:0}.icon{display:inline-grid;place-items:center;width:42px;height:42px;border-radius:12px;background:#eff4fa;color:var(--navy);font-weight:900}.editorial-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:18px}.editorial-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px}.editorial-card.large{grid-row:span 2}.editorial-card p{color:var(--muted)}.text-link{color:var(--red);font-weight:800;text-decoration:none}.split-callout{border:1px solid var(--line);border-radius:24px;padding:34px 36px;display:flex;align-items:center;justify-content:space-between;gap:28px}.split-callout div{max-width:760px}.page-hero{padding:64px 0 48px;background:linear-gradient(180deg,#f5f8fc,#fff);border-bottom:1px solid #edf1f5}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 290px;gap:54px;align-items:start}.prose h2{color:var(--navy);font-size:27px;line-height:1.2;margin:34px 0 9px}.prose h2:first-child{margin-top:0}.prose p{color:#445b72;font-size:17px}.side-card{position:sticky;top:108px;border:1px solid var(--line);background:var(--soft);border-radius:18px;padding:22px}.side-card h2{color:var(--navy);font-size:19px;margin:0 0 12px}.side-card a:not(.btn){display:block;color:#345677;text-decoration:none;padding:8px 0;border-bottom:1px solid #dde5ee;font-weight:700}.side-card p{color:var(--muted)}.step-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.step b{display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:var(--red);color:#fff}.glossary dl{display:grid;grid-template-columns:220px 1fr;margin:0;border-top:1px solid var(--line)}.glossary dt,.glossary dd{padding:18px;border-bottom:1px solid var(--line);margin:0}.glossary dt{font-weight:850;color:var(--navy)}.glossary dd{color:var(--muted)}.timeline{max-width:850px}.timeline-item{border-left:3px solid var(--line);padding:0 0 38px 30px;position:relative}.timeline-item:before{content:"";width:13px;height:13px;background:var(--red);border-radius:50%;position:absolute;left:-8px;top:5px}.timeline-item span{font-size:12px;font-weight:850;color:var(--red);letter-spacing:.08em;text-transform:uppercase}.timeline-item h2{color:var(--navy);margin:5px 0 8px}.timeline-item p{color:var(--muted);margin:0}.contact-box{border:1px solid var(--line);border-radius:22px;padding:30px;background:var(--soft)}.site-footer{background:#071d39;color:#d6e1ed;margin-top:48px;padding:55px 0 20px}.footer-grid{display:grid;grid-template-columns:1.5fr .7fr .7fr;gap:54px}.footer-brand{font-size:23px;font-weight:850;color:#fff}.site-footer p{max-width:480px;color:#9eb2c7}.site-footer h2{font-size:14px;color:#fff;text-transform:uppercase;letter-spacing:.09em}.site-footer a{display:block;color:#c4d3e2;text-decoration:none;padding:4px 0}.site-footer a:hover{color:#fff}.footer-bottom{margin-top:34px;padding-top:18px;border-top:1px solid rgba(255,255,255,.12);display:flex;justify-content:space-between;gap:16px;font-size:13px;color:#8ca3ba}.footer-bottom a{display:inline}.muted{font-size:13px}.static:hover{transform:none}
@media(max-width:960px){.main-nav{position:absolute;left:20px;right:20px;top:78px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:12px;box-shadow:var(--shadow);display:none;flex-direction:column;align-items:stretch}.main-nav.is-open{display:flex}.main-nav a{padding:9px 10px}.nav-toggle{display:block}.hero-grid{grid-template-columns:1fr}.hero-copy{max-width:800px}.card-grid.four,.step-grid{grid-template-columns:repeat(2,1fr)}.card-grid.three{grid-template-columns:repeat(2,1fr)}.editorial-grid{grid-template-columns:1fr 1fr}.editorial-card.large{grid-column:1/-1;grid-row:auto}.article-layout{grid-template-columns:1fr}.side-card{position:static}.footer-grid{grid-template-columns:1.2fr 1fr 1fr}}
@media(max-width:640px){.shell{width:min(calc(100% - 28px),var(--max))}.hero{padding:50px 0}.hero h1{font-size:44px}.page-hero{padding:48px 0 34px}.input-row{flex-direction:column}.input-row button{padding:14px 16px}.entry-card{padding:22px}.entry-features{grid-template-columns:1fr}.card-grid.four,.card-grid.three,.card-grid.two,.step-grid,.editorial-grid{grid-template-columns:1fr}.split-callout{align-items:flex-start;flex-direction:column;padding:26px}.glossary dl{grid-template-columns:1fr}.glossary dt{padding-bottom:5px;border-bottom:0}.glossary dd{padding-top:0}.footer-grid{grid-template-columns:1fr;gap:26px}.footer-bottom{flex-direction:column}.trust-line{gap:10px}.section{padding:58px 0}}