:root{--navy:#14315C;--ink:#12233F;--accent:#B8480F;--accent-d:#8A3A0E;--peach:#FFC9A8;--cream:#FBF6EC;--sand:#F1E8D6;--mist:#E8EEF7;--light:#DCE5F2;--line:#E6DCC6;--muted:#3D4A5F;--soft:#5C6675;--white:#fff;--radius:20px;--shadow:0 12px 40px rgba(20,49,92,.10);--max:1180px}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:'Figtree',system-ui,-apple-system,'Segoe UI',sans-serif;background:var(--cream);color:var(--ink);line-height:1.6;font-size:17px}
h1,h2,h3,h4,.serif{font-family:'Fraunces',Georgia,serif;color:var(--navy);line-height:1.15;margin:0}
a{color:inherit;text-decoration:none}
img,svg{max-width:100%}
p{margin:0 0 1em}
:focus-visible{outline:3px solid var(--accent);outline-offset:3px;border-radius:6px}
.skip{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:10px 16px;border-radius:10px;z-index:100}.skip:focus{left:8px}
.container{width:100%;max-width:var(--max);margin:0 auto;padding:0 24px}
.i{width:1.15em;height:1.15em;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;vertical-align:-.2em;flex-shrink:0}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(251,246,236,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav-row{display:flex;align-items:center;justify-content:space-between;height:80px;gap:20px}
.brand{font-family:'Fraunces',Georgia,serif;font-weight:700;font-size:30px;color:var(--navy);letter-spacing:-.5px}.brand span{color:var(--accent)}
.primary{display:flex;gap:4px;align-items:center;margin:0;padding:0;list-style:none}
.primary>li{position:relative}
.primary>li>a,.primary>li>button{display:flex;align-items:center;gap:6px;height:44px;padding:0 14px;border:0;background:none;font:500 16px 'Figtree',sans-serif;color:var(--ink);border-radius:22px;cursor:pointer}
.primary>li>a:hover,.primary>li>button:hover,.primary>li.open>button,.primary>li>a[aria-current]{background:var(--sand);color:var(--navy)}
.sub{display:none;position:absolute;left:-8px;top:100%;min-width:290px;background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);padding:10px;margin:0;list-style:none}
.primary>li.open .sub,.primary>li:hover .sub,.primary>li:focus-within .sub{display:block}
.sub a{display:block;padding:10px 14px;border-radius:12px;font-size:15.5px;color:var(--ink)}
.sub a:hover{background:var(--mist);color:var(--navy)}
.sub .all{font-weight:600;color:var(--accent);border-top:1px solid var(--line);margin-top:6px;border-radius:0 0 12px 12px}
.actions{display:flex;align-items:center;gap:10px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;height:52px;padding:0 28px;border-radius:26px;font:600 16.5px 'Figtree',sans-serif;border:2px solid transparent;cursor:pointer;transition:transform .15s,background .15s,box-shadow .15s,color .15s;text-align:center}
.btn:hover{transform:translateY(-2px);box-shadow:0 8px 20px rgba(20,49,92,.18)}
.btn-primary{background:var(--accent);color:#fff}.btn-primary:hover{background:var(--accent-d)}
.btn-outline{border-color:var(--navy);color:var(--navy);background:transparent}.btn-outline:hover{background:var(--navy);color:#fff}
.btn-navy{background:var(--navy);color:#fff}
.btn-light{background:#fff;color:var(--navy)}
.btn-sm{height:42px;padding:0 20px;font-size:15px}
.icon-btn{width:44px;height:44px;border-radius:22px;background:var(--navy);color:#fff;display:inline-flex;align-items:center;justify-content:center;border:0;cursor:pointer}
.burger{display:none}
.mobile-nav{display:none}
/* breadcrumb */
.crumbs{font-size:14.5px;color:var(--soft);padding:22px 0 0}.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0;padding:0}.crumbs li+li::before{content:'/';margin-right:6px;color:#A79C82}.crumbs a:hover{color:var(--accent);text-decoration:underline}
/* hero */
.hero{padding:56px 0 40px}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.eyebrow{font-size:14px;font-weight:600;letter-spacing:1.6px;text-transform:uppercase;color:var(--accent);margin-bottom:14px}
.hero h1{font-size:clamp(38px,5.4vw,66px);font-weight:700;letter-spacing:-1px}
.hero .lead{font-size:20px;color:var(--muted);max-width:560px;margin:22px 0 28px}
.btn-row{display:flex;gap:14px;flex-wrap:wrap}
.hero-visual{position:relative}
.ill{display:block;width:100%;height:auto;border-radius:24px;background:var(--mist)}
.ill-wrap{border-radius:24px;overflow:hidden;aspect-ratio:1200/420;background:var(--mist)}
.ill-wrap .ill{height:100%;border-radius:0;object-fit:cover}
.hero-visual .ill-wrap{aspect-ratio:6/5}
.float-card{position:absolute;left:-28px;bottom:-30px;width:min(360px,88%);background:#fff;border-radius:22px;padding:22px 24px;box-shadow:var(--shadow)}
.float-card h3{font-size:22px;margin-bottom:12px}
.check{display:flex;align-items:center;gap:12px;padding:6px 0;font-size:16px}
.check .dot{width:26px;height:26px;border-radius:50%;background:var(--navy);color:#fff;display:inline-flex;align-items:center;justify-content:center;flex-shrink:0}
.check .dot.off{background:transparent;border:2px solid #C9BDA3}
/* sections */
.section{padding:56px 0}
.section.tint{background:var(--sand)}.section.navy{background:var(--navy);color:#fff}.section.navy h2,.section.navy h3{color:#fff}
.section-head{display:flex;justify-content:space-between;align-items:baseline;gap:16px;flex-wrap:wrap;margin-bottom:28px}
.section-head h2{font-size:clamp(28px,3.4vw,40px)}
.more{white-space:nowrap;font-weight:600;color:var(--accent);display:inline-flex;align-items:center;gap:6px}.more:hover{text-decoration:underline}
.grid{display:grid;gap:22px}.g2{grid-template-columns:repeat(2,minmax(0,1fr))}.g3{grid-template-columns:repeat(3,minmax(0,1fr))}.g4{grid-template-columns:repeat(4,minmax(0,1fr))}.g5{grid-template-columns:repeat(5,minmax(0,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;display:flex;flex-direction:column;gap:12px;transition:transform .18s,box-shadow .18s,border-color .18s}
a.card:hover,.card.hov:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:#D8CBAE}
.card h3{font-size:22px}
.card p{margin:0;font-size:16px;color:var(--muted)}
.card .ic{width:52px;height:52px;border-radius:16px;background:var(--mist);color:var(--accent);display:inline-flex;align-items:center;justify-content:center;font-size:26px}
.card .ic .i{stroke-width:1.6}
.tag{font-size:12.5px;font-weight:600;letter-spacing:1.4px;text-transform:uppercase;color:var(--accent)}
.gcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;transition:transform .18s,box-shadow .18s}
.gcard:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.gcard .ill-wrap{border-radius:0;aspect-ratio:1200/520}
.gcard .body{padding:20px 22px 24px;display:flex;flex-direction:column;gap:8px}
.gcard h3{font-size:21px}.gcard p{margin:0;font-size:15.5px;color:var(--muted)}
.feature{display:grid;grid-template-columns:1.2fr 1fr;background:var(--navy);color:#fff;border-radius:26px;overflow:hidden}
.feature .ill-wrap{border-radius:0;aspect-ratio:auto;height:100%;min-height:280px}
.feature .body{padding:40px;display:flex;flex-direction:column;justify-content:center;gap:14px}
.feature h3{color:#fff;font-size:clamp(26px,3vw,36px)}.feature p{color:#DCE5F2;margin:0}.feature .tag{color:var(--peach)}
.list-cards{display:flex;flex-direction:column;gap:16px}
.list-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:20px 24px;display:flex;flex-direction:column;gap:4px;transition:transform .18s,box-shadow .18s}.list-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}.list-card h3{font-size:21px}
.path{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:22px;counter-reset:s}
.path a{display:flex;flex-direction:column;gap:10px;padding:8px 0}
.path .n{font-family:'Fraunces',serif;font-size:52px;font-weight:700;color:var(--peach);line-height:1}
.path h3{font-size:20px}.path p{font-size:15px;color:#DCE5F2;margin:0}.path a:hover h3{text-decoration:underline}
.pills{display:flex;flex-wrap:wrap;gap:12px}
.pill{display:inline-flex;align-items:center;height:46px;padding:0 22px;border:1.5px solid var(--navy);border-radius:23px;font-weight:600;color:var(--navy);background:#fff;cursor:pointer;font:600 15.5px 'Figtree',sans-serif;transition:background .15s,color .15s}
.pill:hover,.pill[aria-pressed=true],.pill.on{background:var(--navy);color:#fff}
.trust{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:26px}
.trust div{display:flex;gap:16px;align-items:flex-start}.trust .ic{width:48px;height:48px;border-radius:14px;background:#fff;color:var(--accent);display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:24px}
.trust h3{font-size:20px;margin-bottom:4px}.trust p{margin:0;font-size:15.5px;color:var(--muted)}
.cta-band{background:var(--navy);border-radius:28px;color:#fff;padding:44px;display:grid;grid-template-columns:1.1fr 1fr;gap:32px;align-items:center}
.cta-band h2{color:#fff;font-size:clamp(26px,3vw,36px);margin-bottom:10px}.cta-band p{color:#DCE5F2;margin:0}
/* forms */
.field{display:flex;flex-direction:column;gap:7px;margin-bottom:18px}
label,.label{font-size:15px;font-weight:600;color:var(--navy)}
input[type=text],input[type=email],input[type=password],input[type=number],input[type=date],select,textarea{width:100%;min-height:52px;border:1.5px solid #B9AD93;border-radius:12px;padding:12px 16px;font:400 17px 'Figtree',sans-serif;background:#fff;color:var(--ink)}
textarea{min-height:150px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(184,72,15,.35);border-color:var(--accent)}
.err{color:#A32020;font-size:14px;min-height:1em}
input[aria-invalid=true],select[aria-invalid=true],textarea[aria-invalid=true]{border-color:#A32020}
.inline-form{display:flex;gap:10px;flex-wrap:wrap}.inline-form input{flex:1;min-width:200px}
.notice{background:var(--sand);border-radius:16px;padding:18px 22px;font-size:16px}
.notice.ok{background:#E3F1E8;color:#15522D}.notice.warn{background:#FBE9DA;color:#7A2E0A}
.formbox{background:#fff;border:1px solid var(--line);border-radius:24px;padding:34px;box-shadow:var(--shadow)}
.checkbox{display:flex;gap:12px;align-items:flex-start;font-size:15.5px;color:var(--muted);margin-bottom:18px}.checkbox input{width:22px;height:22px;margin-top:2px;flex-shrink:0}
/* page heads */
.page-head{padding:8px 0 28px}
.page-head h1{font-size:clamp(34px,4.6vw,54px);letter-spacing:-.8px;margin:14px 0}
.page-head .lead{font-size:20px;color:var(--muted);max-width:820px;margin:0 0 18px}
.meta{display:flex;flex-wrap:wrap;gap:10px 18px;font-size:14.5px;color:var(--soft);align-items:center}
.meta .chip{display:inline-flex;gap:6px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:20px;padding:5px 14px}
.banner{margin:0 0 36px}.banner .ill-wrap{aspect-ratio:1200/380;box-shadow:var(--shadow)}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:56px;align-items:start;padding-bottom:48px}
.aside{position:sticky;top:100px;display:flex;flex-direction:column;gap:22px}
.box{background:#fff;border:1px solid var(--line);border-radius:20px;padding:22px 24px}
.box h3{font-size:20px;margin-bottom:12px}
.toc{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:2px}
.toc a{display:block;padding:8px 12px;border-radius:10px;font-size:15.5px;color:var(--muted)}.toc a:hover{background:var(--mist);color:var(--navy)}.toc a.on{background:var(--mist);color:var(--accent);font-weight:600}
.box.navy{background:var(--navy);color:#fff;border:0}.box.navy h3{color:#fff}.box.navy p{color:#DCE5F2;font-size:15.5px}
.related a{display:block;padding:9px 0;border-top:1px solid var(--line);font-size:15.5px;font-weight:500}.related a:first-of-type{border-top:0}.related a:hover{color:var(--accent)}
.block{margin-bottom:48px;scroll-margin-top:100px}.block>h2{font-size:clamp(26px,3vw,34px);margin-bottom:22px}
.tabs{border-radius:20px}
.tablist{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:-1px}
.tab{height:54px;padding:0 30px;border:1px solid var(--line);border-bottom:0;border-radius:16px 16px 0 0;font:600 17px 'Figtree',sans-serif;background:var(--sand);color:var(--navy);cursor:pointer}
.tab[aria-selected=true]{background:var(--navy);color:#fff;border-color:var(--navy)}
.panel{background:#fff;border:1px solid var(--line);border-radius:0 20px 20px 20px;padding:28px 30px;display:flex;flex-direction:column;gap:16px}
.panel[hidden]{display:none}
.item{display:flex;gap:14px;align-items:flex-start;font-size:17.5px;line-height:1.55}.item::before{content:'';width:10px;height:10px;border-radius:50%;background:var(--accent);flex-shrink:0;margin-top:9px}
.steps{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:0;counter-reset:st}
.steps li{display:grid;grid-template-columns:56px 1fr;gap:18px;padding-bottom:26px;position:relative;counter-increment:st}
.steps li::before{content:counter(st);width:48px;height:48px;border-radius:50%;background:var(--navy);color:#fff;font:700 22px 'Fraunces',serif;display:flex;align-items:center;justify-content:center;z-index:1}
.steps li::after{content:'';position:absolute;left:23px;top:50px;bottom:2px;width:2px;background:var(--line)}.steps li:last-child::after{display:none}
.steps h3{font-size:21px;margin:4px 0 4px;font-family:'Figtree',sans-serif;font-weight:600}.steps p{margin:0;color:var(--muted);font-size:16.5px}
.errcard{background:var(--sand);border-radius:18px;padding:22px;display:flex;flex-direction:column;gap:8px}.errcard .ic{color:var(--accent-d);font-size:26px}.errcard h3{font-size:19px}.errcard p{margin:0;font-size:15.5px;color:var(--muted)}
.checklist{background:#fff;border:1px solid var(--line);border-radius:20px;padding:24px 28px;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px 32px}
.checklist .check{padding:4px 0}
.sources li{margin:6px 0}.sources a{color:var(--accent);font-weight:600;text-decoration:underline}
.disclaimer{background:var(--sand);border-radius:16px;padding:20px 24px;font-size:15.5px;color:var(--muted)}
.feedback{display:flex;gap:12px;align-items:center;flex-wrap:wrap;background:#fff;border:1px solid var(--line);border-radius:18px;padding:16px 22px;margin:28px 0}
mark.verify{background:#FFE6C9;color:#7A2E0A;border-radius:6px;padding:1px 8px;font-size:.78em;font-weight:600;white-space:nowrap;cursor:help}
/* prose (long articles) */
.prose{font-size:18.5px;line-height:1.7;color:#243349;display:flex;flex-direction:column;gap:26px}
.prose p{margin:0}.prose h2{margin:14px 0 0!important;scroll-margin-top:100px}
.prose a{color:var(--accent)}
.prose>div>div[style*="grid-template-columns"],.prose [style*="grid-template-columns"]{overflow-wrap:anywhere}
.tablewrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
.tablewrap>div{min-width:560px}
figure{margin:0}figcaption{font-size:14px;color:var(--soft);margin-top:10px}
.prose figure .ill-wrap{aspect-ratio:1200/420;box-shadow:var(--shadow)}
/* tables */
.tbl{border:1px solid var(--line);border-radius:16px;overflow:hidden;background:#fff;font-size:16px}
.tbl .r{display:grid;border-top:1px solid var(--line)}.tbl .r:first-child{border-top:0}.tbl .h{background:var(--navy);color:#fff;font-weight:600}.tbl .r>div{padding:13px 18px}.tbl .r>div:first-child{font-weight:600}
/* footer */
.site-footer{background:#0D2242;color:#DCE5F2;margin-top:40px}
.foot-top{display:grid;grid-template-columns:1.6fr repeat(4,1fr);gap:36px;padding:56px 0 36px}
.site-footer .brand{color:#fff}.site-footer .brand span{color:var(--peach)}
.site-footer h3{color:#fff;font-family:'Figtree',sans-serif;font-size:16px;font-weight:600;margin-bottom:14px}
.site-footer ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:9px;font-size:15px}
.site-footer a:hover{color:#fff;text-decoration:underline}
.site-footer input{background:#fff}
.foot-bottom{border-top:1px solid #2A4066;padding:22px 0 30px;font-size:14px;color:#B8C6DC;display:flex;flex-direction:column;gap:10px}
.toast{position:fixed;left:50%;bottom:28px;transform:translateX(-50%) translateY(20px);background:var(--navy);color:#fff;padding:14px 24px;border-radius:14px;box-shadow:var(--shadow);opacity:0;pointer-events:none;transition:.25s;z-index:200;max-width:92vw}.toast.show{opacity:1;transform:translateX(-50%)}
.consent{position:fixed;left:16px;right:16px;bottom:16px;max-width:760px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);padding:20px 24px;z-index:150;display:none;gap:16px;align-items:center;flex-wrap:wrap}.consent.show{display:flex}.consent p{margin:0;font-size:15px;flex:1;min-width:240px}
.totop{position:fixed;right:18px;bottom:18px;width:48px;height:48px;border-radius:50%;background:var(--navy);color:#fff;border:0;display:none;align-items:center;justify-content:center;cursor:pointer;box-shadow:var(--shadow);z-index:40}.totop.show{display:flex}
.result{background:var(--mist);border-radius:18px;padding:22px 24px;margin-top:8px}.result .big{font:700 40px 'Fraunces',serif;color:var(--navy)}
.bar{height:14px;background:var(--light);border-radius:8px;overflow:hidden;margin:10px 0}.bar span{display:block;height:100%;background:var(--accent);border-radius:8px;transition:width .3s}
.two{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.hl{outline:3px solid var(--accent);outline-offset:2px}
.hidden{display:none!important}
.legal h2{font-size:26px;margin:34px 0 10px}.legal p,.legal li{font-size:17px;color:#243349}.legal ul{padding-left:22px}
.notfound{text-align:center;padding:80px 0}.notfound .big{font:700 clamp(80px,14vw,150px) 'Fraunces',serif;color:var(--accent);line-height:1}
.results .gcard{margin-bottom:0}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media (max-width:1180px){.primary>li>a,.primary>li>button{padding:0 10px;font-size:15px}.actions .btn-outline{border-color:transparent;padding:0 12px}}
@media (max-width:1100px){.primary,.actions .hide-m{display:none}.burger{display:inline-flex}.mobile-nav{position:fixed;inset:80px 0 0 0;background:var(--cream);overflow:auto;padding:16px 24px 40px;z-index:49}.mobile-nav.open{display:block}.g5{grid-template-columns:repeat(3,minmax(0,1fr))}.path{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media (max-width:960px){
 .mobile-nav details{border-bottom:1px solid var(--line)}.mobile-nav summary{list-style:none;padding:18px 0;font:600 19px 'Figtree',sans-serif;color:var(--navy);display:flex;justify-content:space-between;cursor:pointer}.mobile-nav summary::-webkit-details-marker{display:none}
 .mobile-nav details a,.mobile-nav>a{display:block;padding:11px 8px;font-size:17px}
 .mobile-nav>a{font:600 19px 'Figtree',sans-serif;color:var(--navy);padding:18px 0;border-bottom:1px solid var(--line)}
 .hero-grid,.feature,.cta-band,.layout{grid-template-columns:1fr}
 .hero-visual .ill-wrap{aspect-ratio:16/10}.float-card{position:relative;left:0;bottom:0;margin:-40px 16px 0;width:auto}
 .aside{position:static}.layout{gap:32px}
 .g4,.g3{grid-template-columns:repeat(2,minmax(0,1fr))}.trust{grid-template-columns:1fr}
 .foot-top{grid-template-columns:1fr 1fr}.foot-top>:first-child{grid-column:1/-1}
 .feature .ill-wrap{min-height:200px;aspect-ratio:1200/420;height:auto}
}
@media (max-width:640px){
 body{font-size:16.5px}.container{padding:0 18px}
 .nav-row{height:70px}.mobile-nav{inset:70px 0 0 0}.brand{font-size:26px}
 .g2,.g3,.g4,.g5,.two,.checklist,.path{grid-template-columns:1fr}
 .section{padding:40px 0}.hero{padding:32px 0 24px}
 .feature .body,.cta-band{padding:26px}.formbox{padding:22px}
 .tab{flex:1;padding:0 12px;font-size:16px}.panel{padding:20px}
 .steps li{grid-template-columns:44px 1fr;gap:14px}.steps li::before{width:40px;height:40px;font-size:19px}.steps li::after{left:19px;top:42px}
 .foot-top{grid-template-columns:1fr;padding-top:40px}
 .btn{width:100%}.btn-row .btn{flex:1 1 100%}.btn-sm{width:auto}
 .prose{font-size:17.5px}.prose h2{font-size:27px!important}.page-head h1{letter-spacing:-.4px}.banner .ill-wrap{aspect-ratio:1200/520}
 .float-card{margin:-30px 8px 0}
}