:root{
--navy:#0f2b46;--navy-2:#163b5e;--green:#1d6b57;--green-soft:#e6f1ec;
--warm:#e0762b;--warm-d:#c2611c;--ink:#16222e;--muted:#56636f;--line:#e2e6ea;
--bg:#f6f4ef;--card:#fff;--red:#b4402f;--red-soft:#fbeeeb;
--r:14px;--sh:0 1px 2px rgba(15,43,70,.06),0 6px 20px rgba(15,43,70,.08);--sh-h:0 2px 4px rgba(15,43,70,.08),0 14px 34px rgba(15,43,70,.14)}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;background:#fff;color:var(--ink);font:17px/1.65 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--green)}
a:hover{text-decoration-thickness:2px}
h1,h2,h3{line-height:1.2;letter-spacing:-.015em;color:var(--navy)}
h1{font-size:clamp(2rem,4.2vw,3.1rem);margin:.15em 0 .35em;font-weight:800}
h2{font-size:1.5rem;margin:1.9em 0 .55em;font-weight:750}
h3{font-size:1.15rem;margin:1.4em 0 .4em;font-weight:700}
p,ul,ol{margin:0 0 1em}
.wrap{max-width:1200px;margin:0 auto;padding:0 24px}
.narrow{max-width:780px}
.ic{width:22px;height:22px;flex:none}
.ic-sm{width:16px;height:16px}
.ic-lg{width:30px;height:30px}
.block{padding:56px 24px}
.band{padding:60px 0}
.band.soft{background:var(--bg)}
.band.dark{background:var(--navy);color:#dfe8f1}
.band.dark .sh,.band.dark h3{color:#fff}
.band.dark a{color:#ffc79c}
.sh{font-size:clamp(1.5rem,2.6vw,2rem);margin:0 0 .5em}
.sub-lead{color:var(--muted);margin:-.3em 0 1.4em;max-width:60ch}

/* header */
header.site{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.12rem;color:var(--navy);text-decoration:none;letter-spacing:-.01em}
.logo{display:grid;place-items:center;width:34px;height:34px;border-radius:10px;background:var(--green);color:#fff}
.logo .ic{width:20px;height:20px;stroke-width:2.6}
nav.top{display:flex;align-items:center;gap:6px}
nav.top>a,.dd>summary{display:flex;align-items:center;gap:6px;padding:9px 14px;border-radius:10px;color:var(--ink);text-decoration:none;font-weight:600;font-size:.95rem;cursor:pointer;list-style:none}
.dd>summary::-webkit-details-marker,.mnav>summary::-webkit-details-marker{display:none}
.dd>summary::after{content:"";width:7px;height:7px;border:solid currentColor;border-width:0 2px 2px 0;transform:rotate(45deg) translateY(-3px);margin-left:4px}
nav.top>a:hover,.dd>summary:hover,.dd[open]>summary{background:var(--bg)}
.dd{position:relative}
.dd-panel{position:absolute;right:0;top:calc(100% + 8px);background:#fff;border-radius:var(--r);box-shadow:var(--sh-h);border:1px solid var(--line);padding:12px;z-index:30}
.grid-nav{display:grid;grid-template-columns:repeat(2,minmax(200px,1fr));gap:2px}
.dd-panel.grid-nav{width:500px}
.grid-nav a,.list-nav a{display:flex;align-items:center;gap:10px;padding:9px 12px;border-radius:10px;color:var(--ink);text-decoration:none;font-weight:600;font-size:.95rem}
.grid-nav a .ic{color:var(--green)}
.grid-nav a:hover,.list-nav a:hover{background:var(--green-soft)}
.list-nav{min-width:200px;display:flex;flex-direction:column}
.mnav{display:none}

/* hero */
.hero{position:relative;color:#fff;background:var(--navy);overflow:hidden}
.hero-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.42}
.hero::before{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(15,43,70,.96) 0%,rgba(15,43,70,.82) 45%,rgba(15,43,70,.45) 100%);z-index:1}
.hero-in{position:relative;z-index:2;padding:72px 24px 80px}
.hero.small .hero-in{padding:44px 24px 52px}
.hero h1{color:#fff;max-width:20ch}
.hero .lead{font-size:1.18rem;line-height:1.6;color:#dfe8f1;max-width:62ch}
.kicker{display:inline-flex;align-items:center;gap:8px;font-size:.82rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;color:var(--green);margin:0 0 .6em}
.kicker.light{color:#ffc79c}
.htiles{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin:34px 0 26px;max-width:880px}
.htile{display:flex;flex-direction:column;align-items:flex-start;gap:14px;padding:22px;border-radius:var(--r);background:#fff;color:var(--navy);text-decoration:none;font-weight:750;font-size:1.1rem;box-shadow:var(--sh);transition:transform .15s,box-shadow .15s}
.htile .ic{color:var(--green);width:34px;height:34px}
.htile:hover{transform:translateY(-3px);box-shadow:var(--sh-h)}
.hero-ctry{display:flex;flex-wrap:wrap;align-items:center;gap:8px;color:#cbd8e5;font-weight:600}
.hero-ctry a{color:#fff;text-decoration:none;padding:6px 14px;border-radius:999px;border:1px solid rgba(255,255,255,.35)}
.hero-ctry a:hover{background:rgba(255,255,255,.14)}
.hub-ctry{margin-top:22px}
.hub-ctry p{display:flex;align-items:center;gap:6px;margin:0 0 10px;font-weight:600;color:#cbd8e5;font-size:.95rem}
.hero-act{display:flex;align-items:center;gap:12px;flex-wrap:wrap;margin:22px 0 4px}

/* chips */
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chips a{display:inline-flex;align-items:center;gap:6px;padding:8px 16px;border-radius:999px;background:#fff;border:1px solid var(--line);color:var(--navy);text-decoration:none;font-weight:650;font-size:.95rem}
.chips a .ic{color:var(--green)}
.chips a:hover{border-color:var(--green)}
.chips a.on{background:var(--warm);border-color:var(--warm);color:#fff}
.chips a.on .ic{color:#fff}

/* crumbs */
.crumbs{font-size:.88rem;margin-bottom:18px;color:#b9c7d5;display:flex;flex-wrap:wrap;gap:4px 0}
.crumbs a{color:#dfe8f1;text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.crumbs .sep{margin:0 8px;opacity:.6}

/* tiles */
.tiles{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px}
.tile{display:grid;grid-template-columns:auto 1fr;grid-template-rows:auto auto;column-gap:14px;padding:20px;border-radius:var(--r);background:var(--card);border:1px solid var(--line);box-shadow:var(--sh);text-decoration:none;color:var(--ink);transition:transform .15s,box-shadow .15s,border-color .15s}
.tile:hover{transform:translateY(-2px);box-shadow:var(--sh-h);border-color:#c9d8d1}
.tile-ic{grid-row:1/3;display:grid;place-items:center;width:52px;height:52px;border-radius:12px;background:var(--green-soft);color:var(--green)}
.tile-ic .ic{width:28px;height:28px}
.tile-t{font-weight:750;color:var(--navy);font-size:1.07rem;align-self:end}
.tile-d{color:var(--muted);font-size:.92rem;line-height:1.45}

.subs{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:12px}
.sub{display:flex;align-items:center;gap:12px;padding:16px 18px;border-radius:12px;background:#fff;border:1px solid var(--line);box-shadow:var(--sh);color:var(--navy);text-decoration:none;font-weight:700;transition:transform .15s,border-color .15s}
.sub .ic{color:var(--green);width:26px;height:26px}
.sub:hover{transform:translateY(-2px);border-color:var(--green)}
.sub span{display:flex;flex-direction:column}
.sub small{font-weight:500;color:var(--muted);font-size:.8rem}
.sub.soon{background:var(--bg);box-shadow:none}
.sub.soon .ic{color:#8a97a3}

/* article cards */
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:18px}
.acard{display:flex;flex-direction:column;gap:10px;padding:22px;border-radius:var(--r);background:#fff;border:1px solid var(--line);box-shadow:var(--sh);text-decoration:none;color:var(--ink);transition:transform .15s,box-shadow .15s}
.acard:hover{transform:translateY(-3px);box-shadow:var(--sh-h)}
.acard-tag{display:inline-flex;align-items:center;gap:6px;font-size:.78rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--green)}
.acard-tag .ic{width:16px;height:16px}
.acard-t{font-weight:750;font-size:1.12rem;line-height:1.3;color:var(--navy)}
.acard-d{color:var(--muted);font-size:.93rem;line-height:1.5}
.acard-more{margin-top:auto;display:inline-flex;align-items:center;gap:6px;font-weight:700;color:var(--warm-d);font-size:.93rem}

.ccards{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.ccard{display:flex;flex-direction:column;gap:4px;padding:24px;border-radius:var(--r);background:#fff;border:1px solid var(--line);box-shadow:var(--sh);text-decoration:none;color:var(--navy);transition:transform .15s}
.ccard:hover{transform:translateY(-2px)}
.ccard .ic{color:var(--warm);width:28px;height:28px;margin-bottom:8px}
.ccard-t{font-weight:800;font-size:1.35rem}
.ccard-d{color:var(--muted);font-size:.93rem}

/* steps, trust */
.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:18px;counter-reset:s}
.steps li{position:relative;padding:28px 24px 22px;border-radius:var(--r);background:#fff;border:1px solid var(--line);box-shadow:var(--sh)}
.steps .ic{color:var(--green)}
.steps h3{margin:.7em 0 .3em}
.steps p{color:var(--muted);margin:0}
.step-n{position:absolute;top:20px;right:22px;font-size:2.4rem;font-weight:800;color:#e9edf1;line-height:1}
.trust{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.trust .ic{color:#ffc79c}
.trust h3{margin:.6em 0 .3em}
.trust p{margin:0;color:#c6d3df}

/* buttons, CTA */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--warm);color:#fff;text-decoration:none;padding:14px 24px;border-radius:12px;font-weight:750;font-size:1.02rem;box-shadow:0 4px 14px rgba(224,118,43,.35);transition:background .15s,transform .15s;text-align:center}
.btn:hover{background:var(--warm-d);transform:translateY(-1px)}
.aff{color:var(--muted);font-size:.82rem}
.aff.light{color:#cbd8e5}
.cta{display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:18px;border-radius:var(--r);margin:2em 0}
.cta-ic{display:grid;place-items:center;width:58px;height:58px;border-radius:14px;background:var(--green-soft);color:var(--green)}
.cta-act{display:flex;flex-direction:column;align-items:center;gap:6px}
.cta-txt h2{margin:0 0 .3em;font-size:1.3rem}
.cta-txt p{margin:0;color:var(--muted)}
.cta-inline{padding:16px 18px;background:#fff;border:1px solid var(--line);box-shadow:var(--sh)}
.cta-inline .cta-ic{width:46px;height:46px}
.cta-inline .cta-txt strong{color:var(--navy);font-size:1.05rem;line-height:1.3;display:block}
.cta-inline .btn{padding:11px 18px;font-size:.95rem}
.cta-card{padding:28px;background:linear-gradient(135deg,var(--green-soft),#fdf3ea);border:1px solid #d6e6de}
.cta-band{background:linear-gradient(120deg,var(--navy) 0%,var(--navy-2) 100%);color:#dfe8f1}
.cta-band-in{display:grid;grid-template-columns:auto 1fr auto;gap:24px;align-items:center}
.cta-band h2{color:#fff;margin:0 0 .3em;font-size:1.7rem}
.cta-band p{margin:0;color:#c6d3df;max-width:60ch}
.cta-band .cta-ic{background:rgba(255,255,255,.1);color:#ffc79c;width:66px;height:66px}
.cta-band .aff{color:#cbd8e5}

.soonbox{display:flex;gap:18px;align-items:flex-start;padding:26px;border-radius:var(--r);background:var(--bg);border:1px dashed #cdd5dc}
.soonbox .ic{color:var(--warm)}
.soonbox h2{margin:0 0 .3em;font-size:1.3rem}
.soonbox p{margin:0;color:var(--muted)}

.notes{display:grid;grid-template-columns:repeat(auto-fill,minmax(320px,1fr));gap:16px}
.note{display:flex;flex-direction:column;padding:22px;border-radius:var(--r);background:#fff;border:1px solid var(--line);border-top:4px solid var(--green);box-shadow:var(--sh)}
.note h3{margin:0 0 .4em;font-size:1.08rem}
.note p{color:#33414d;font-size:.95rem;line-height:1.55}
.note a{margin-top:auto;display:inline-flex;align-items:center;gap:6px;font-weight:650;font-size:.88rem;text-decoration:none}

/* article */
.ahero{background:var(--navy);color:#fff;position:relative;overflow:hidden}
.ahero-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.28}
.ahero::before{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(15,43,70,.97),rgba(15,43,70,.8));z-index:1}
.ahero-in{position:relative;z-index:2;padding:40px 24px 44px}
.ahero h1{color:#fff;font-size:clamp(1.8rem,3.4vw,2.6rem);max-width:28ch}
.ahero .kicker{color:#ffc79c}
.ahero .meta{color:#b9c7d5;font-size:.92rem;margin:0}
.alayout{display:grid;grid-template-columns:260px minmax(0,1fr);gap:56px;padding-top:40px;padding-bottom:40px}
.toc{position:relative}
.toc-box{position:sticky;top:92px;padding:18px;border-radius:var(--r);background:var(--bg);margin-bottom:16px}
.toc-box+.toc-box{position:static}
.toc-h{display:flex;align-items:center;gap:6px;font-weight:750;color:var(--navy);margin:0 0 8px;font-size:.92rem;text-transform:uppercase;letter-spacing:.06em}
.toc ol{list-style:none;padding:0;margin:0;font-size:.9rem;line-height:1.4}
.toc li{margin:0}
.toc ol a{display:block;padding:6px 8px;border-radius:8px;color:#33414d;text-decoration:none}
.toc ol a:hover{background:#fff;color:var(--green)}
.toc .chips a{padding:5px 12px;font-size:.85rem}
.prose{max-width:740px;min-width:0}
.prose h2{font-size:1.6rem;padding-top:.2em}
.prose li{margin:.35em 0}
.prose table{border-collapse:collapse;width:100%;margin:0 0 1.2em;font-size:.94rem;display:block;overflow-x:auto;border-radius:10px;border:1px solid var(--line)}
.prose th,.prose td{border-bottom:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
.prose th{background:var(--bg);color:var(--navy)}
.short{padding:20px 22px;border-radius:var(--r);background:var(--green-soft);border-left:5px solid var(--green);margin:0 0 1.2em}
.short-h{display:flex;align-items:center;gap:6px;font-weight:800;color:var(--green);text-transform:uppercase;font-size:.82rem;letter-spacing:.08em;margin:0 0 .4em}
.short p:last-child{margin:0;font-size:1.08rem;color:var(--navy);font-weight:500}
.checklist{padding:20px 22px 8px;border-radius:var(--r);background:#fff;border:1px solid var(--line);box-shadow:var(--sh);margin:0 0 1.4em}
.cl-tag,.rf-tag{display:inline-flex;align-items:center;gap:6px;font-weight:800;font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:var(--green);margin-bottom:6px}
.checklist ul,.checklist ol{list-style:none;padding:0}
.checklist li{position:relative;padding-left:32px;margin:.7em 0}
.checklist li::before{content:"";position:absolute;left:0;top:.2em;width:20px;height:20px;border-radius:6px;background:var(--green) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/14px no-repeat}
.redflags{margin:2em 0;padding:6px 24px 10px;border-radius:var(--r);background:var(--red-soft);border:1px solid #f0d2cb}
.redflags .rf-tag{color:var(--red);margin-top:16px}
.redflags h2{margin-top:.2em;color:#7c2a1e}
.redflags .checklist{box-shadow:none;border-color:#f0d2cb}
.redflags .checklist li::before{background:var(--red) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round'%3E%3Cpath d='M12 6v7M12 17.5v.5'/%3E%3C/svg%3E") center/14px no-repeat}
.redflags .cl-tag{display:none}
aside.data{display:grid;grid-template-columns:auto 1fr;gap:14px;padding:16px 18px;margin:1.6em 0;border-radius:12px;background:#f0f4f8;font-size:.95rem;color:#33414d}
aside.data p:last-child{margin:0}
.data-ic{color:var(--navy-2)}

/* static pages */
.phead{background:var(--bg);padding:48px 0 30px}
.phead h1{margin:0}
.phead .lead{color:var(--muted);font-size:1.1rem}
.static{padding-top:30px;padding-bottom:60px}

/* footer */
footer.site{background:#0b2136;color:#a9b9c8;padding:52px 0 24px;font-size:.93rem}
.fgrid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:40px}
footer.site h3{color:#fff;font-size:.85rem;text-transform:uppercase;letter-spacing:.08em;margin:0 0 .8em}
footer.site h3:not(:first-child){margin-top:1.4em}
footer.site ul{list-style:none;padding:0;margin:0}
footer.site li{margin:.4em 0}
footer.site a{color:#dfe8f1;text-decoration:none}
footer.site a:hover{text-decoration:underline}
.brand.light{color:#fff;margin-bottom:12px}
.fine{border-top:1px solid #1d3550;margin-top:34px;padding-top:18px;font-size:.84rem;color:#8193a5}

@media (max-width:1020px){
 .alayout{grid-template-columns:1fr;gap:0}
 .toc{display:none}
 .prose{margin:0 auto}
 .ccards{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:860px){
 nav.top{display:none}
 .mnav{display:block}
 .mnav>summary{list-style:none;display:grid;place-items:center;width:44px;height:44px;border-radius:10px;border:1px solid var(--line);cursor:pointer;color:var(--navy)}
 .mnav-panel{position:absolute;left:0;right:0;top:68px;background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--sh-h);padding:8px 20px 20px;max-height:calc(100vh - 68px);overflow:auto}
 .mnav-h{font-weight:800;font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin:14px 0 6px}
 .mnav .grid-nav{grid-template-columns:1fr 1fr}
 .mnav .grid-nav a{padding:10px 8px;font-size:.92rem}
 .mnav-links{display:flex;gap:18px;margin:16px 0 0;font-weight:600}
 .htiles{grid-template-columns:repeat(2,1fr)}
 .steps,.trust{grid-template-columns:1fr}
 .fgrid{grid-template-columns:1fr 1fr}
 .fgrid>div:first-child{grid-column:1/-1}
 .cta-band-in{grid-template-columns:1fr;text-align:left}
 .cta-band .cta-act{align-items:flex-start}
}
@media (max-width:600px){
 body{font-size:16.5px}
 .wrap{padding:0 18px}
 .block{padding:40px 18px}
 .band{padding:44px 0}
 .hero-in{padding:40px 18px 44px}
 .hero.small .hero-in{padding:28px 18px 36px}
 .hero .lead{font-size:1.05rem}
 .hero::before{background:linear-gradient(180deg,rgba(15,43,70,.93),rgba(15,43,70,.86))}
 .htiles{gap:10px;margin:24px 0 20px}
 .htile{padding:16px;font-size:1rem;gap:10px}
 .htile .ic{width:28px;height:28px}
 .ahero-in{padding:28px 18px 30px}
 .alayout{padding-top:26px}
 .tiles,.cards,.notes{grid-template-columns:1fr}
 .subs{grid-template-columns:1fr 1fr}
 .sub{padding:14px;font-size:.93rem;gap:10px}
 .ccards{grid-template-columns:1fr 1fr;gap:12px}
 .ccard{padding:18px}
 .cta{grid-template-columns:1fr;gap:12px}
 .cta-inline{grid-template-columns:auto 1fr}
 .cta-inline .cta-act{grid-column:1/-1}
 .cta-act{align-items:stretch}
 .cta-act .btn,.hero-act .btn{width:100%}
 .hero-act{flex-direction:column;align-items:stretch}
 .hero-act .aff{text-align:center}
 .cta-card{padding:22px}
 .cta-card .cta-ic{display:none}
 .redflags{padding:4px 16px 8px;margin-left:-4px;margin-right:-4px}
 .fgrid{grid-template-columns:1fr;gap:26px}
 .soonbox{flex-direction:column}
}
.block+.block.tight{padding-top:0}
.hero-img{opacity:.5}