:root{
  --navy:#082e54;--navy2:#0c426f;--blue:#176a9b;--teal:#147f88;--orange:#e9852a;
  --cream:#fff7e9;--ice:#eef8fb;--ink:#132638;--muted:#586c7c;--line:#d8e4ea;
  --white:#fff;--good:#166b49;--warn:#9b4a1f;--shadow:0 12px 30px rgba(8,46,84,.08);
  --radius:18px;--max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;color:var(--ink);background:#fff;font-family:system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;line-height:1.68;-webkit-font-smoothing:antialiased}
a{color:var(--navy);text-underline-offset:3px}
a:hover{color:var(--teal)}
img,svg{max-width:100%;height:auto}
button,input,select,textarea{font:inherit}
.container{width:min(calc(100% - 32px),var(--max));margin-inline:auto}
.skip{position:absolute;left:-9999px;top:8px;background:#fff;padding:10px;z-index:1000}.skip:focus{left:8px}
.disclosure{background:#061f37;color:#d8e9f5;padding:8px 0;font-size:.84rem}
.disclosure strong{color:#fff}.disclosure a{color:#fff}
.site-header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.98);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}
.nav-wrap{min-height:74px;display:flex;align-items:center;justify-content:space-between;gap:22px}
.brand{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:850;letter-spacing:-.02em}
.mark{width:34px;height:34px;border-radius:11px;display:grid;place-items:center;background:linear-gradient(145deg,var(--orange),#f7b258);color:#fff;font-weight:900;box-shadow:0 7px 14px rgba(233,133,42,.22)}
.brand small{display:block;font-weight:650;color:var(--muted);font-size:.67rem;letter-spacing:0}
.nav{display:flex;align-items:center;gap:18px}.nav a{text-decoration:none;font-size:.92rem;font-weight:720;color:#2b4961}.nav a:hover,.nav a[aria-current="page"]{color:var(--teal)}
.nav-toggle{display:none;background:#fff;border:1px solid var(--line);border-radius:10px;padding:8px 11px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:1px solid transparent;border-radius:999px;padding:12px 20px;text-decoration:none;font-weight:800;cursor:pointer}
.btn-primary{background:var(--navy);color:#fff;box-shadow:0 8px 18px rgba(8,46,84,.16)}.btn-primary:hover{background:var(--navy2);color:#fff}
.btn-secondary{background:#fff;color:var(--navy);border-color:var(--navy)}.btn-small{padding:9px 15px;font-size:.88rem}
.hero{padding:74px 0 56px;background:linear-gradient(115deg,#f0fafc 0%,#fff 52%,#fff6e8 100%)}
.hero-grid{display:grid;grid-template-columns:1.14fr .86fr;gap:46px;align-items:center}
.eyebrow,.kicker{font-size:.82rem;font-weight:850;text-transform:uppercase;letter-spacing:.09em;color:var(--teal)}
.kicker{color:var(--orange)}
h1,h2,h3{color:var(--navy);line-height:1.14;letter-spacing:-.025em}
h1{font-size:clamp(2.45rem,5vw,4.55rem);margin:0 0 20px}h2{font-size:clamp(1.8rem,3.1vw,2.75rem);margin:0 0 17px}h3{font-size:1.25rem;margin:0 0 9px}
.lead{font-size:1.16rem;color:#314f66;max-width:760px}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin:27px 0 16px}.micro{font-size:.84rem;color:var(--muted)}
.snapshot{background:#fff;border:1px solid var(--line);border-radius:24px;padding:27px;box-shadow:var(--shadow)}.snapshot h2{font-size:1.35rem}
.stat-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.stat{background:#fbfdfe;border:1px solid var(--line);border-radius:14px;padding:15px}.stat strong{display:block;color:var(--navy);font-size:1.18rem}
.pills{display:flex;flex-wrap:wrap;gap:8px;margin:18px 0}.pill{border:1px solid var(--line);background:#f6fafb;border-radius:999px;padding:6px 10px;font-size:.77rem;font-weight:750}
.section{padding:70px 0}.section-tight{padding:48px 0}.bg-ice{background:var(--ice)}.bg-cream{background:var(--cream)}
.center{text-align:center}.intro{max-width:800px;margin:0 auto 34px}
.grid-2,.grid-3,.grid-4{display:grid;gap:22px}.grid-2{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 6px 18px rgba(8,46,84,.045)}.card p:last-child{margin-bottom:0}
.icon{width:42px;height:42px;border-radius:12px;background:#e8f6f7;color:var(--teal);display:grid;place-items:center;font-weight:900;margin-bottom:15px}
.badge{display:inline-flex;border-radius:999px;background:#e8f6f7;color:#176970;padding:5px 10px;font-size:.77rem;font-weight:850}.price{font-size:1.65rem;font-weight:900;color:var(--navy)}
.notice{border-left:4px solid var(--orange);background:#fff8ed;padding:17px 20px;border-radius:0 12px 12px 0}.notice.good{border-color:var(--good);background:#eef9f4}.notice.warn{border-color:var(--warn);background:#fff4ee}
.checks{padding:0;list-style:none}.checks li{position:relative;padding-left:27px;margin:8px 0}.checks li:before{content:"✓";position:absolute;left:0;color:var(--good);font-weight:900}
.steps{counter-reset:step}.step{position:relative;padding-top:48px}.step:before{counter-increment:step;content:counter(step);position:absolute;top:0;left:0;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:850}
table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line)}th,td{text-align:left;padding:14px;border-bottom:1px solid var(--line);vertical-align:top}th{background:#f2f7f9;color:var(--navy);font-size:.91rem}.table-wrap{overflow:auto;border-radius:14px}
.breadcrumbs{font-size:.84rem;color:var(--muted);padding-top:19px}.breadcrumbs a{color:var(--muted)}
.page-hero{padding:56px 0 44px;background:linear-gradient(120deg,#f1fafc,#fff8ed)}.page-hero h1{font-size:clamp(2.1rem,4.4vw,3.75rem);max-width:940px}
.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:38px;align-items:start}.prose{max-width:820px}.prose h2{margin-top:42px;font-size:2rem}.prose h3{margin-top:28px}.prose p,.prose li{font-size:1.01rem}
.sidebar{position:sticky;top:105px}.toc{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px}.toc strong{color:var(--navy)}.toc a{display:block;padding:5px 0;text-decoration:none;font-size:.91rem}
.entity-box{border:1px solid var(--line);border-radius:16px;background:#fbfdfe;padding:20px}.entity-row{padding:10px 0;border-bottom:1px dashed var(--line)}.entity-row:last-child{border:0}.entity-row dt{font-size:.82rem;color:var(--muted);font-weight:700}.entity-row dd{margin:2px 0 0;color:var(--navy);font-weight:800}
.cta{background:var(--navy);color:#fff;border-radius:24px;padding:34px}.cta h2,.cta h3{color:#fff}.cta p{color:#d9e8f3}.cta .btn{background:#fff;color:var(--navy)}
details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 18px;margin:12px 0}summary{cursor:pointer;color:var(--navy);font-weight:830}details p{margin-bottom:0}
.byline{display:flex;gap:12px;flex-wrap:wrap;color:var(--muted);font-size:.88rem;margin:14px 0 24px}
.source-list{font-size:.91rem}.source-list li{margin:10px 0}
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.post-card{border:1px solid var(--line);border-radius:18px;overflow:hidden;background:#fff}.post-visual{height:155px;background:linear-gradient(135deg,#dff4f7,#fff0d9);display:flex;align-items:flex-end;padding:18px}.post-visual span{font-weight:880;color:var(--navy);font-size:1.34rem}.post-body{padding:20px}
.callout{display:flex;gap:12px;align-items:flex-start}.callout b{color:var(--navy)}
.cost-tool{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}label{font-weight:750;color:var(--navy)}input,select,textarea{width:100%;border:1px solid #bccbd4;border-radius:10px;padding:11px 12px;background:#fff}.result{font-size:1.4rem;font-weight:900;color:var(--navy);margin-top:12px}
.footer{background:#061f37;color:#cbddea;padding:52px 0 28px;margin-top:40px}.footer a{color:#e8f4fb}.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr .8fr;gap:28px}.footer h3{color:#fff;font-size:1rem}.footer ul{list-style:none;padding:0;margin:0}.footer li{margin:7px 0}.footer small{display:block;border-top:1px solid rgba(255,255,255,.13);margin-top:34px;padding-top:20px}
.mobile-cta{display:none}
hr{border:0;border-top:1px solid var(--line);margin:36px 0}
@media(max-width:900px){
 .nav-toggle{display:block}.nav{display:none;position:absolute;left:16px;right:16px;top:67px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:16px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}.nav.open{display:flex}
 .hero-grid,.content-grid,.grid-4{grid-template-columns:1fr}.grid-3{grid-template-columns:1fr 1fr}.sidebar{position:static}.footer-grid{grid-template-columns:1fr 1fr}.blog-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
 body{padding-bottom:65px}.grid-2,.grid-3,.blog-grid,.form-grid,.footer-grid,.stat-grid{grid-template-columns:1fr}.section{padding:54px 0}.hero{padding-top:48px}.hero-actions{flex-direction:column;align-items:stretch}.btn{width:100%}h1{font-size:2.35rem}
 .mobile-cta{display:block;position:fixed;left:0;right:0;bottom:0;z-index:80;padding:9px 12px;background:#fff;border-top:1px solid var(--line)}.mobile-cta .btn{padding:11px 16px}
}