:root{--navy:#0e1c40;--navy2:#09142f;--orange:#f47a1e;--orange2:#ff9b45;--ink:#17213a;--muted:#5d667b;--line:#e2e6ee;--soft:#f4f6f9;--green:#157a47;--red:#9b3024;--shadow:0 14px 34px rgba(14,28,64,.13)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.68;font-size:15px;-webkit-font-smoothing:antialiased}img{max-width:100%;height:auto}a{color:#d65d08;text-decoration:none}a:hover{text-decoration:underline}.wrap{width:min(1160px,calc(100% - 36px));margin:auto}.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:10px;background:#fff;padding:10px;z-index:1000}
.site-header{position:sticky;top:0;z-index:40;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}.header-inner{display:flex;align-items:center;gap:18px;min-height:82px}.brand img{width:178px;height:auto;display:block}.tagline{border-left:2px solid var(--line);padding-left:16px;color:var(--navy);font-size:10.5px;font-weight:800;line-height:1.4;text-transform:uppercase;letter-spacing:.45px}.main-nav{margin-left:auto;display:flex;align-items:center;gap:20px}.main-nav a{color:var(--navy);font-weight:750;font-size:13.5px}.main-nav a[aria-current="page"]{color:var(--orange)}.nav-cta{background:var(--orange);color:#fff!important;padding:10px 15px;border-radius:10px}.nav-cta:hover{text-decoration:none;background:#dc650d}
.hero-home{padding:54px 0 38px;background:linear-gradient(135deg,#fff 55%,#f1f4f9)}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center}.eyebrow{color:var(--orange);font-size:11.5px;font-weight:850;letter-spacing:1.15px;text-transform:uppercase}.hero-home h1,.page-hero h1{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--navy);line-height:1.12;letter-spacing:-.6px;margin:10px 0 16px}.hero-home h1{font-size:clamp(31px,4vw,49px)}.page-hero h1{font-size:clamp(30px,4vw,43px)}.hero-home .lead,.page-hero .lead{font-size:17px;color:#46516a;max-width:800px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:12px;padding:13px 21px;font-weight:800;cursor:pointer;font:inherit;text-align:center}.btn-primary{background:var(--orange);color:#fff!important;box-shadow:0 10px 22px rgba(244,122,30,.24)}.btn-secondary{background:var(--navy);color:#fff!important}.btn-ghost{background:#fff;color:var(--navy)!important;border:1px solid var(--line)}.btn:hover{text-decoration:none;transform:translateY(-1px)}.hero-photo img{width:100%;aspect-ratio:16/10;object-fit:cover;border-radius:24px;box-shadow:var(--shadow)}.trust-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:24px}.trust-pill{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 12px;font-size:12.5px;font-weight:700;color:var(--navy)}
.section{padding:50px 0}.section-soft{background:var(--soft)}.section-title{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--navy);font-size:clamp(26px,3vw,34px);line-height:1.18;margin:0 0 11px;text-align:center}.section-intro{max-width:790px;margin:0 auto 28px;text-align:center;color:var(--muted)}.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:17px}.card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:17px;overflow:hidden;color:inherit;box-shadow:0 5px 14px rgba(14,28,64,.04);transition:.17s}.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#f2c79f;text-decoration:none}.card img{width:100%;aspect-ratio:16/8.7;object-fit:cover}.card-body{padding:18px}.card h3{color:var(--navy);font-size:16px;line-height:1.35;margin:0 0 8px}.card p{color:var(--muted);font-size:13.5px;margin:0 0 11px}.card-more{font-size:13px;font-weight:800;color:var(--orange)}.features{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.feature{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px}.feature b{color:var(--navy);font-size:16px}.feature p{color:var(--muted);margin:8px 0 0;font-size:13.5px}.feature-num{display:inline-flex;width:32px;height:32px;border-radius:50%;align-items:center;justify-content:center;background:#fff1e6;color:var(--orange);font-weight:900;margin-bottom:10px}
.page-hero{padding:43px 0;background:linear-gradient(135deg,#f8f9fb,#edf1f7);border-bottom:1px solid var(--line)}.breadcrumbs{font-size:12px;color:var(--muted);margin-bottom:14px}.breadcrumbs a{color:var(--muted)}.article-wrap{padding:42px 0 58px}.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 285px;gap:38px;align-items:start}.article{min-width:0}.article .intro{font-size:17px;color:#3f4960}.article h2{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--navy);font-size:26px;line-height:1.25;margin:40px 0 13px}.article h2:after{content:"";display:block;width:58px;height:3px;background:var(--orange);border-radius:3px;margin-top:8px}.article h3{color:var(--navy);font-size:18px;margin:24px 0 8px}.article p{margin:0 0 15px}.article ul,.article ol{margin:0 0 18px 22px}.article li{margin:7px 0}.article-image{width:100%;aspect-ratio:16/8.5;object-fit:cover;border-radius:18px;margin:22px 0 10px}.toc{background:var(--soft);border:1px solid var(--line);border-radius:14px;padding:18px 20px;margin:24px 0}.toc strong{color:var(--navy)}.toc ul{columns:2;margin:10px 0 0 18px}.toc a{font-size:13.5px}.notice,.legal-note,.key-box{border-radius:13px;padding:17px 19px;margin:22px 0}.notice{background:#fff7ef;border:1px solid #f2d1af;border-left:5px solid var(--orange)}.legal-note{background:#eef3fb;border:1px solid #cbd7ea;border-left:5px solid var(--navy);font-size:14px}.key-box{background:#edf8f2;border:1px solid #c6e6d3;border-left:5px solid var(--green)}.updated{display:inline-flex;gap:7px;align-items:center;font-size:12px;color:var(--muted);margin-top:12px}.sidebar{position:sticky;top:104px}.sidebox{background:var(--navy);color:#fff;border-radius:18px;padding:22px;box-shadow:var(--shadow)}.sidebox h2{color:#fff;font-size:20px;margin:0 0 9px}.sidebox h2:after{display:none}.sidebox p{color:#d4dcec;font-size:13.5px}.sidebox .btn{width:100%}.side-links{background:#fff;border:1px solid var(--line);border-radius:15px;padding:18px;margin-top:15px}.side-links strong{color:var(--navy)}.side-links a{display:block;padding:6px 0;font-size:13px;border-bottom:1px solid #eef0f4}.side-links a:last-child{border:0}
.form-zone{margin:38px 0}.form-panel{background:var(--navy);color:#fff;border-radius:20px;padding:28px;box-shadow:0 17px 38px rgba(14,28,64,.2)}.form-panel h2{color:#fff!important;margin:0 0 5px!important;text-align:center;font-size:25px}.form-panel h2:after{display:none}.form-sub{text-align:center;color:var(--orange2);font-weight:750;margin:0 0 20px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.field.full{grid-column:1/-1}.field label{display:block;font-size:11.5px;font-weight:750;color:#dce4f2;margin:0 0 5px}.field input,.field select,.field textarea{width:100%;border:1px solid transparent;border-radius:9px;padding:12px 13px;font:inherit;color:var(--ink);background:#fff}.field input:focus,.field select:focus{outline:3px solid rgba(244,122,30,.3)}.form-consent{font-size:11.5px;color:#c0cadd;line-height:1.5;margin:15px 0}.form-consent a{color:#ffb275}.submit{width:100%;border:0;border-radius:12px;background:var(--orange);color:#fff;padding:15px;font-size:17px;font-weight:850;cursor:pointer}.submit:disabled{opacity:.65;cursor:wait}.form-error{display:none;background:#ffe8e4;color:#8c2518;padding:10px 12px;border-radius:8px;margin-bottom:12px;font-size:13px}.form-ok{display:none;background:#e5f7eb;color:#176a34;padding:13px;border-radius:9px;text-align:center;font-weight:750}.privacy{font-size:11.5px;text-align:center;color:#d7dfed;margin:9px 0 0}.honeypot{position:absolute!important;left:-9999px!important}
.faq details{border:1px solid var(--line);border-radius:12px;margin:10px 0;background:#fff}.faq summary{cursor:pointer;padding:15px 17px;font-weight:800;color:var(--navy);list-style:none}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";float:right;color:var(--orange);font-size:21px}.faq details[open] summary:after{content:"–"}.faq-answer{padding:0 17px 16px;color:var(--muted)}.sources{background:var(--soft);border-radius:16px;padding:22px;margin-top:38px}.sources h2{margin-top:0}.related-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.related-grid a{border:1px solid var(--line);border-radius:12px;padding:13px 15px;font-weight:750;color:var(--navy);background:#fff}.related-grid a:hover{border-color:var(--orange);text-decoration:none}
.hub-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.hub-group{border:1px solid var(--line);border-radius:17px;padding:22px;background:#fff}.hub-group h2{font-size:22px;color:var(--navy);margin-top:0}.hub-group a{display:block;padding:9px 0;border-bottom:1px solid #edf0f4;font-weight:700}.hub-group a:last-child{border:0}.doc{max-width:880px}.doc h2{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--navy);font-size:24px;margin:32px 0 9px}.doc p,.doc li{color:#35405a}.doc .note{background:#fff7ef;border-left:5px solid var(--orange);padding:16px 18px;border-radius:10px}.status-box{border:1px solid var(--line);background:#fff;border-radius:16px;padding:22px;text-align:center}.status-box h1{color:var(--navy)}
.site-footer{background:var(--navy);color:#cbd4e5;padding:32px 0 18px}.footer-grid{display:grid;grid-template-columns:1.35fr 1fr 1fr;gap:34px}.footer-title{font-weight:900;font-size:19px;color:#fff}.footer-title span{color:var(--orange)}.site-footer p{font-size:12.5px;color:#aeb9ce}.site-footer strong{color:#fff}.site-footer a{display:block;color:#cbd4e5;font-size:12.5px;margin:5px 0}.copyright{text-align:center;border-top:1px solid rgba(255,255,255,.13);margin-top:20px;padding-top:13px;font-size:11.5px;color:#8f9ab2}.cookie{position:fixed;left:14px;right:14px;bottom:14px;max-width:760px;margin:auto;background:var(--navy);color:#eef1f8;border-radius:14px;padding:14px 17px;box-shadow:0 12px 30px rgba(0,0,0,.32);z-index:99;display:flex;gap:12px;align-items:center;flex-wrap:wrap;font-size:12.5px}.cookie span{flex:1;min-width:210px}.cookie button{background:var(--orange);color:#fff;border:0;border-radius:9px;padding:9px 17px;font-weight:750;cursor:pointer}
@media(max-width:940px){.article-grid{grid-template-columns:1fr}.sidebar{position:static}.side-links{display:none}.cards{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}.main-nav{gap:12px}.tagline{display:none}}
@media(max-width:700px){body{font-size:14px}.header-inner{min-height:70px;flex-wrap:wrap;padding:8px 0}.brand img{width:145px}.main-nav{width:100%;order:3;margin:0;overflow-x:auto;padding-bottom:6px}.main-nav a{white-space:nowrap;font-size:12px}.nav-cta{display:none}.hero-grid{grid-template-columns:1fr}.hero-photo{order:-1}.hero-home{padding-top:27px}.cards,.features,.hub-grid{grid-template-columns:1fr}.form-grid{grid-template-columns:1fr}.field.full{grid-column:auto}.toc ul{columns:1}.related-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr}.footer-grid>div:first-child{grid-column:auto}.article-wrap{padding-top:28px}.form-panel{padding:21px 16px}.section{padding:39px 0}}