:root{--navy:#2a3751;--navy-deep:#222d44;--orange:#f59f0a;--orange-hover:#ffb22e;--text:#1f2633;--muted:#5b6475;--line:#e3e6ec;--bg:#fff;--bg-soft:#f6f7f9;--serif:"Playfair Display", Georgia, serif;--sans:"Inter", system-ui, -apple-system, sans-serif}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}body{background:var(--bg);color:var(--text);font-family:var(--sans);margin:0;font-size:1.0625rem;line-height:1.7}img{max-width:100%;height:auto;display:block}a{color:var(--navy);text-decoration-color:var(--orange);text-underline-offset:3px;text-decoration-thickness:2px}a:hover{color:#b45309}.container{max-width:70rem;margin:0 auto;padding:0 1rem}.wrap{max-width:46rem;margin:0 auto;padding:0 1rem}h1,h2,h3{font-family:var(--serif);color:var(--navy);font-weight:700;line-height:1.2}.btn{font-family:var(--sans);border-radius:8px;align-items:center;gap:.5rem;padding:.9rem 1.5rem;font-size:1rem;font-weight:700;text-decoration:none;transition:background .15s,filter .15s;display:inline-flex}.btn-sm{padding:.6rem 1.1rem;font-size:.9rem}.btn-orange{background:var(--orange);color:var(--navy-deep);box-shadow:0 2px 6px #f59f0a59}.btn-orange:hover{background:var(--orange-hover);color:var(--navy-deep)}.btn-navy{background:var(--navy);color:#fff;box-shadow:0 4px 12px #222d444d}.btn-navy:hover{filter:brightness(1.15);color:#fff}.btn-outline{color:var(--navy-deep);border:1.5px solid #222d4473}.btn-outline:hover{color:var(--navy-deep);background:#ffffff40}.site-header{border-bottom:1px solid var(--line);z-index:10;background:#fff;position:sticky;top:0}.header-inner{justify-content:space-between;align-items:center;gap:1rem;min-height:4rem;display:flex}.logo{font-family:var(--serif);color:var(--navy-deep);letter-spacing:-.01em;font-size:1.4rem;font-weight:800;text-decoration:none}.logo span{color:var(--orange)}.logo-light{color:#fff}nav{align-items:center;gap:1.6rem;display:flex}.nav-link{text-transform:uppercase;letter-spacing:.04em;color:#3a4459;font-size:.88rem;font-weight:600;text-decoration:none}.nav-link:hover{color:var(--orange)}.hero{background:var(--navy);color:#fff;overflow:hidden}.hero-inner{align-items:end;gap:1rem;padding-top:3rem;display:grid}.hero-text{padding-bottom:3rem}.hero h1{color:#fff;letter-spacing:-.01em;margin:0 0 1rem;font-size:clamp(2.2rem,6vw,3.6rem)}.hero-sub{color:var(--orange);margin:0 0 1rem;font-size:clamp(1.1rem,2.5vw,1.4rem);font-weight:700;line-height:1.4}.hero-text p.hero-body{color:#d3d9e6;max-width:34rem;margin:0;font-size:1.1rem}.hero-text p.hero-body strong{color:#fff;font-weight:600}.hero-img{justify-self:center;max-width:22rem}.orange-band{background:var(--orange);padding:1.75rem 0}.band-actions{flex-wrap:wrap;gap:.75rem;display:flex}.band-points{color:var(--navy-deep);flex-wrap:wrap;gap:.4rem 1.6rem;margin:1.25rem 0 0;padding:0;font-size:.95rem;font-weight:500;list-style:none;display:flex}.band-points li:before{content:"•";margin-right:.5rem}.section{padding:4rem 0}.section-soft{background:var(--bg-soft)}.section-head{text-align:center;max-width:40rem;margin:0 auto 2.5rem}.pill{border:1px solid var(--line);color:var(--navy);background:#fff;border-radius:999px;margin-bottom:.75rem;padding:.2rem .8rem;font-size:.8rem;font-weight:600;display:inline-block}.section-soft .pill{background:#fff}.section-head h2{margin:0 0 .5rem;font-size:clamp(1.8rem,4vw,2.5rem)}.section-head p{color:var(--muted);margin:0}.guide-grid{gap:1.25rem;display:grid}.guide-card{border:1px solid var(--line);color:var(--text);background:#fff;border-radius:14px;flex-direction:column;gap:.6rem;padding:1.75rem;text-decoration:none;transition:border-color .15s,box-shadow .15s,transform .15s;display:flex}.guide-card:hover{border-color:var(--orange);color:var(--text);transform:translateY(-2px);box-shadow:0 10px 30px #222d4414}.guide-label{letter-spacing:.08em;text-transform:uppercase;color:#b45309;font-size:.75rem;font-weight:700}.guide-card h3{margin:0;font-size:1.45rem}.guide-card p{color:var(--muted);margin:0}.guide-more{color:var(--navy);margin-top:auto;padding-top:.5rem;font-weight:700}.features{gap:1.25rem;display:grid}.feature{border-top:3px solid var(--orange);padding-top:1rem}.feature h3{margin:0 0 .4rem;font-size:1.2rem}.feature p{color:var(--muted);margin:0}.article-head{background:var(--navy);color:#fff;padding:2.75rem 0 2.5rem}.crumbs{color:#aab3c5;margin-bottom:1rem;font-size:.85rem}.crumbs a{color:#d3d9e6;text-decoration:none}.crumbs a:hover{color:var(--orange)}.article-head h1{color:#fff;margin:0 0 1rem;font-size:clamp(1.9rem,5vw,2.9rem)}.article-meta{color:#aab3c5;margin:0;font-size:.9rem}.article-meta strong{color:var(--orange);font-weight:600}.prose{padding-top:2.5rem;padding-bottom:3.5rem}.prose h2{margin:2.75rem 0 .75rem;font-size:clamp(1.45rem,3.5vw,1.85rem)}.prose h3{margin:1.75rem 0 .5rem;font-size:1.2rem}.prose ul{padding-left:1.25rem}.prose li{margin:.35rem 0}.meta{color:var(--muted);font-size:.9rem}.box{border-left:4px solid var(--orange);background:#fff8ea;border-radius:0 10px 10px 0;margin:1.5rem 0;padding:1.1rem 1.35rem}.box p{margin:.4rem 0}.table-scroll{border:1px solid var(--line);border-radius:10px;margin:1.25rem 0;overflow-x:auto}table{border-collapse:collapse;width:100%;min-width:30rem;font-size:.95rem}th,td{text-align:left;border-bottom:1px solid var(--line);vertical-align:top;padding:.7rem .9rem}tr:last-child td{border-bottom:0}th{background:var(--bg-soft);color:var(--navy);font-weight:600}.cta{background:var(--navy);color:#fff;border-radius:14px;margin:2.75rem 0 0;padding:1.75rem}.cta h2{color:#fff;margin:0 0 .5rem;font-size:1.6rem}.cta p{color:#d3d9e6;margin:0 0 1.25rem}.button{background:var(--orange);color:var(--navy-deep);border-radius:8px;padding:.8rem 1.3rem;font-weight:700;text-decoration:none;display:inline-flex}.button:hover{background:var(--orange-hover);color:var(--navy-deep)}.cta-band{background:var(--orange);text-align:center;padding:3.5rem 0}.cta-band h2{color:var(--navy-deep);margin:0 0 .5rem;font-size:clamp(1.6rem,4vw,2.1rem)}.cta-band p{color:#222d44d9;max-width:36rem;margin:0 auto 1.5rem;font-size:1.05rem}.site-footer{background:var(--navy);color:#c3cad8;font-size:.95rem}.footer-grid{gap:2rem;padding-top:3rem;padding-bottom:2rem;display:grid}.site-footer h3{font-family:var(--sans);color:#fff;text-transform:uppercase;letter-spacing:.08em;margin:0 0 .75rem;font-size:.8rem}.site-footer a:not(.logo){color:#c3cad8;padding:.2rem 0;text-decoration:none;display:block}.site-footer a:not(.logo):hover{color:var(--orange)}.site-footer p{color:#9aa4b8;margin:.75rem 0 0}.footer-bottom{color:#8a94a8;border-top:1px solid #ffffff1a;padding-top:1.25rem;padding-bottom:1.5rem;font-size:.85rem}@media (width<=47.99rem){.nav-link{display:none}.hero-text{padding-bottom:0}.hero-img{max-width:15rem}}@media (width>=48rem){.hero-inner{grid-template-columns:1.15fr .85fr;padding-top:4rem}.hero-text{align-self:center;padding-bottom:4.5rem}.hero-img{max-width:24rem}.guide-grid{grid-template-columns:1fr 1fr}.features{grid-template-columns:repeat(3,1fr);gap:2rem}.footer-grid{grid-template-columns:2fr 1fr 1fr}}