:root{
  --bg:#f5f7fb; --surface:#ffffff; --ink:#111827; --muted:#5b6473;
  --navy:#0b1426; --navy2:#111d34; --teal:#0f766e; --teal2:#0d9488;
  --mint:#dff7f2; --amber:#f59e0b; --line:#dbe3ee; --soft:#eef3f8;
  --shadow:0 18px 45px rgba(15,23,42,.10); --radius:20px; --max:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.65}
a{color:#0b6b63;text-underline-offset:3px}
a:hover{color:#074d48}
img{max-width:100%;height:auto}
.skip-link{position:absolute;left:-9999px;top:auto}.skip-link:focus{left:1rem;top:1rem;background:#fff;padding:.75rem;z-index:1000}
.site-header{position:sticky;top:0;z-index:50;background:rgba(11,20,38,.96);backdrop-filter:blur(12px);border-bottom:1px solid rgba(255,255,255,.08)}
.nav-wrap{max-width:var(--max);margin:auto;display:flex;align-items:center;gap:1rem;padding:.8rem 1.2rem}
.brand{display:flex;align-items:center;gap:.65rem;color:#fff;text-decoration:none;font-weight:800;letter-spacing:-.02em;white-space:nowrap}
.brand img{width:34px;height:34px}
.nav-toggle{display:none;margin-left:auto;background:transparent;border:1px solid rgba(255,255,255,.25);color:#fff;border-radius:10px;padding:.55rem .7rem}
.site-nav{display:flex;align-items:center;gap:.15rem;margin-left:auto}
.site-nav a{color:#dbe6f4;text-decoration:none;padding:.55rem .65rem;border-radius:10px;font-size:.95rem}
.site-nav a:hover{background:rgba(255,255,255,.08);color:#fff}
.site-nav .nav-cta{background:#20c7b7;color:#052b29;font-weight:800;margin-left:.35rem}
.site-nav .nav-cta:hover{background:#55ddcf;color:#052b29}
main{min-height:70vh}
.page-hero{background:linear-gradient(145deg,var(--navy),#132642);color:white;padding:4.8rem 1.2rem 3.7rem}
.page-hero .inner{max-width:900px;margin:auto}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-weight:800;font-size:.78rem;color:#5eead4}
.page-hero h1,.hero-home h1{font-size:clamp(2.3rem,5vw,4.4rem);line-height:1.03;letter-spacing:-.045em;margin:.7rem 0 1rem}
.page-hero .lede,.hero-home .lede{font-size:1.2rem;color:#d7e2ef;max-width:780px}
.meta{display:flex;gap:.8rem;flex-wrap:wrap;color:#aebcd0;font-size:.88rem;margin-top:1.2rem}
.hero-home{max-width:var(--max);margin:0 auto;padding:5.5rem 1.2rem 3rem;display:grid;grid-template-columns:1.15fr .85fr;gap:3rem;align-items:center}
.hero-home h1{color:var(--navy);font-size:clamp(2.5rem,5.4vw,4.9rem)}
.hero-home .lede{color:var(--muted);font-size:1.24rem}
.hero-actions,.offer-actions{display:flex;gap:.8rem;flex-wrap:wrap;align-items:center;margin-top:1.5rem}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:.75rem 1rem;border-radius:12px;text-decoration:none;font-weight:800;border:1px solid transparent;cursor:pointer;font-size:.98rem}
.btn-primary{background:var(--teal2);color:white}
.btn-primary:hover{background:var(--teal);color:white}
.btn-secondary{background:white;color:var(--navy);border-color:var(--line)}
.btn-secondary:hover{background:var(--soft);color:var(--navy)}
.micro{font-size:.82rem;color:var(--muted);margin-top:.55rem}
.workflow-visual{background:var(--navy);border-radius:28px;padding:1.25rem;box-shadow:var(--shadow);display:flex;flex-direction:column;gap:.4rem}
.workflow-visual .node{background:#162640;color:#f4fbff;border:1px solid #294464;padding:.95rem 1rem;border-radius:13px;font-weight:700}
.workflow-visual .flow-arrow{text-align:center;color:#5eead4;font-size:1.25rem}
.article-shell{max-width:860px;margin:0 auto;padding:3rem 1.2rem 5rem}
.article-shell>p{font-size:1.05rem}
.article-shell h2{font-size:clamp(1.55rem,3vw,2.15rem);line-height:1.2;letter-spacing:-.025em;margin:2.8rem 0 .9rem;color:var(--navy)}
.article-shell h3{font-size:1.15rem;margin:1.6rem 0 .5rem;color:var(--navy)}
.article-shell ul,.article-shell ol{padding-left:1.35rem}
.article-shell li{margin:.45rem 0}
.content-band{max-width:var(--max);margin:1rem auto 3rem;padding:2.3rem 1.2rem}
.content-band h2{font-size:clamp(1.8rem,3vw,2.8rem);letter-spacing:-.03em;line-height:1.15}
.card-grid{max-width:var(--max);margin:0 auto 4rem;padding:0 1.2rem;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}
.topic-card{display:block;background:var(--surface);border:1px solid var(--line);border-radius:18px;padding:1.25rem;text-decoration:none;color:var(--ink);box-shadow:0 5px 18px rgba(15,23,42,.04)}
.topic-card:hover{transform:translateY(-2px);box-shadow:var(--shadow);color:var(--ink)}
.topic-card h3{margin:.1rem 0 .35rem}
.topic-card p{color:var(--muted)}
.topic-card span{font-weight:800;color:var(--teal)}
.callout{border-left:4px solid var(--teal2);background:var(--mint);padding:1rem 1.15rem;border-radius:0 14px 14px 0;margin:1.5rem 0}
.callout strong{display:block;color:#075e57;font-size:1.02rem}
.offer-card{margin:3rem 0;background:linear-gradient(135deg,#0d1b31,#153a43);color:white;border-radius:24px;padding:1.45rem 1.5rem;display:grid;grid-template-columns:1fr auto;gap:1.5rem;align-items:center;box-shadow:var(--shadow)}
.offer-card h2{color:white;margin:.3rem 0 .55rem}
.offer-card p{color:#d6e4eb}
.offer-card .micro{color:#aebfc9}
.offer-card .text-link{color:#86f3e8;white-space:nowrap}
.steps{margin:1.5rem 0}
.step{display:grid;grid-template-columns:42px 1fr;gap:.85rem;margin:.9rem 0;background:white;border:1px solid var(--line);border-radius:16px;padding:1rem}
.step-num{width:36px;height:36px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:#fff;font-weight:800}
.step h3{margin:0 0 .2rem}.step p{margin:0;color:var(--muted)}
.table-wrap{overflow-x:auto;margin:1.4rem 0;border:1px solid var(--line);border-radius:16px;background:white}
table{width:100%;border-collapse:collapse;min-width:640px}
caption{text-align:left;padding:1rem;font-weight:700;color:var(--muted)}
th,td{text-align:left;vertical-align:top;padding:.9rem 1rem;border-bottom:1px solid var(--line)}
th{background:#eaf3f5;color:#0a4d48;font-size:.9rem}
tr:last-child td{border-bottom:0}
.verdict{background:white;border:1px solid var(--line);border-radius:20px;padding:1.3rem 1.4rem;box-shadow:0 6px 24px rgba(15,23,42,.05)}
.verdict h2{margin:.25rem 0 .7rem}
.decision-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:.8rem;margin-top:1rem}
.decision-grid>div{background:var(--soft);padding:1rem;border-radius:14px}
.decision-grid p{margin:.2rem 0 0;font-size:.93rem}
.sources{margin-top:4rem;border-top:1px solid var(--line);padding-top:1.4rem}
.sources h2{font-size:1.35rem}
.sources p,.sources li{font-size:.9rem;color:var(--muted)}
.breadcrumbs{max-width:900px;margin:0 auto 1rem;padding:0 1.2rem;color:#9fb0c5;font-size:.86rem}
.breadcrumbs a{color:#c8d4e3}
.contact-form{display:grid;gap:1rem;max-width:640px}
.contact-form label{font-weight:700;display:grid;gap:.35rem}
.contact-form input,.contact-form textarea{width:100%;border:1px solid #bfcbd8;background:#fff;border-radius:10px;padding:.8rem;font:inherit}
.contact-form input:focus,.contact-form textarea:focus{outline:3px solid #b8efe9;border-color:var(--teal)}
.site-footer{background:var(--navy);color:#b8c5d7;padding:3rem 1.2rem}
.footer-inner{max-width:var(--max);margin:auto;display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:2rem}
.site-footer a{color:#e5eef8}
.footer-title{color:white;font-weight:800}
.footer-links{display:grid;gap:.45rem}
.footer-bottom{max-width:var(--max);margin:2rem auto 0;padding-top:1rem;border-top:1px solid #283850;font-size:.84rem}
.offer-modal[hidden]{display:none}
.offer-modal{position:fixed;inset:0;z-index:100;display:grid;place-items:center;padding:1rem}
.offer-backdrop{position:absolute;inset:0;background:rgba(2,8,23,.68)}
.offer-dialog{position:relative;z-index:2;width:min(560px,calc(100vw - 2rem));background:#fff;border-radius:22px;padding:1.5rem;box-shadow:0 28px 90px rgba(0,0,0,.28)}
.offer-dialog h2{font-size:1.75rem;line-height:1.15;margin:.4rem 0 .6rem}
.offer-dialog p{color:var(--muted)}
.modal-close{position:absolute;right:.8rem;top:.7rem;background:#eef2f6;border:0;width:36px;height:36px;border-radius:50%;font-size:1.25rem;cursor:pointer}
.modal-kicker{font-size:.77rem;text-transform:uppercase;letter-spacing:.1em;color:var(--teal);font-weight:900}
.not-found{max-width:760px;margin:5rem auto;padding:1.2rem;text-align:center}
.not-found h1{font-size:4rem;margin:0}
@media(max-width:900px){
  .hero-home{grid-template-columns:1fr;gap:1.2rem;padding-top:3.5rem}
  .card-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .offer-card{grid-template-columns:1fr}
  .footer-inner{grid-template-columns:1fr 1fr}
}
@media(max-width:760px){
  .nav-toggle{display:block}
  .site-nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--navy);padding:.7rem 1rem 1rem;flex-direction:column;align-items:stretch;border-top:1px solid rgba(255,255,255,.08)}
  .site-nav.open{display:flex}
  .site-nav .nav-cta{margin-left:0;text-align:center}
  .page-hero{padding-top:3.6rem}
  .page-hero h1{font-size:2.45rem}
  .card-grid{grid-template-columns:1fr}
  .decision-grid{grid-template-columns:1fr}
  .footer-inner{grid-template-columns:1fr}
  .offer-dialog{position:absolute;bottom:0;border-radius:22px 22px 0 0;width:100%;max-height:82vh;overflow:auto}
  .offer-modal{padding:0}
  table{min-width:580px}
}
@media(prefers-reduced-motion:reduce){
  *{scroll-behavior:auto!important;transition:none!important}
}