:root{--g:#1D4E57;--g2:#1D4E57;--y:#E8A33D;--ink:#1F2A30;--mut:#4B5A62;--bg:#E6EEEF;--line:#D9D3C7;--paper:#FAF7F2;--deep:#143A41;--r:12px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:18px/1.6 "Atkinson Hyperlegible","Segoe UI",Arial,sans-serif;color:var(--ink);background:var(--paper)}
h1,h2,h3,.form-title{font-family:"Literata",Georgia,"Times New Roman",serif;font-weight:600;line-height:1.25}
a{color:var(--g2)}img{max-width:100%}.wrap{max-width:1140px;margin:0 auto;padding:0 20px}.narrow{max-width:820px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:9}
header.site{background:var(--g);color:#fff;position:sticky;top:0;z-index:20}.hbar{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:60px;flex-wrap:wrap}
.logo{color:#fff;text-decoration:none;font-weight:800;font-size:20px;white-space:nowrap}.logo span{color:var(--y)}.logo small{font-weight:500;opacity:.8;font-size:13px}.logo-mark{color:var(--y)}
header nav{display:flex;gap:14px;align-items:center;flex-wrap:wrap}header nav a{color:#fff;text-decoration:none;font-size:15px}header nav a:hover{text-decoration:underline}
.btn{display:inline-block;background:var(--y);color:var(--ink);min-height:48px;font-weight:700;text-decoration:none;border:0;border-radius:10px;padding:12px 20px;cursor:pointer;font-size:16px;line-height:1.2}
.btn:hover{filter:brightness(.95)}.btn-sm{padding:8px 14px;font-size:15px;min-height:40px}.btn-lg{width:100%;padding:15px;font-size:18px}.btn-outline{background:#fff;border:2px solid var(--g2);color:var(--g2)}
header nav .btn{color:var(--ink);min-height:0}
.hero{background:linear-gradient(160deg,var(--deep),#1D4E57 60%,#24606b);color:#fff;padding:28px 0 40px}.hero a{color:#ffe08a}
.hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start}
.hero h1{font-size:clamp(28px,4vw,44px);line-height:1.15;margin:.2em 0}.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:13px;font-weight:700;color:var(--y);margin:0}
.lead{font-size:19px}.checks{list-style:none;padding:0}.checks li{padding-left:28px;position:relative;margin:6px 0}.checks li:before{content:"✓";position:absolute;left:0;color:var(--y);font-weight:900}
.small{font-size:14px}.muted{opacity:.8}
.lead-form{background:#fff;color:var(--ink);border-radius:var(--r);padding:20px;box-shadow:0 10px 30px rgba(0,0,0,.18);border:1px solid var(--line)}
.lead-form a{color:var(--g2)}.form-title{margin:0;font-size:22px;line-height:1.25}.form-sub{margin:4px 0 12px;color:var(--mut);font-size:15px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:10px 12px}.lead-form label{display:block;font-size:14px;font-weight:600;margin-bottom:8px}
.lead-form input:not([type=checkbox]),.lead-form select,.lead-form textarea{display:block;width:100%;margin-top:4px;padding:10px;border:1px solid #b9c6be;border-radius:8px;font:inherit;font-size:16px;background:#fff}
.lead-form input:focus,.lead-form select:focus,.lead-form textarea:focus{outline:2px solid var(--y);border-color:var(--g2)}
.opt{font-weight:400;color:var(--mut)}.hp{position:absolute;left:-5000px;width:1px;height:1px;overflow:hidden}
.consent{display:flex!important;gap:10px;align-items:flex-start;font-weight:400!important;font-size:12.5px!important;line-height:1.45;background:#f3f6f4;padding:10px;border-radius:8px;margin:8px 0 12px!important}
.consent input{margin-top:3px;width:20px;height:20px;flex:0 0 auto}
.form-fine{font-size:12px;color:var(--mut);margin:8px 0 0}.form-msg{margin-top:10px;font-weight:600}.form-msg.err{color:#a40000}.form-msg.ok{color:var(--g2)}
.guide-chip{background:#fff7d6;border:1px solid #f0d36b;padding:8px 10px;border-radius:8px;font-size:14px}
.section{padding:40px 20px}.alt{background:var(--bg)}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.steps span{display:inline-grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--y);font-weight:800}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px;margin:16px 0}.cards.three{grid-template-columns:repeat(auto-fill,minmax(280px,1fr))}
.card{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px;text-decoration:none;color:var(--ink);transition:box-shadow .15s}.card:hover{box-shadow:0 6px 18px rgba(0,0,0,.08)}
.card h3,.card h2{margin:.3em 0;font-size:19px;line-height:1.3}.card p{color:var(--mut);font-size:15px;margin:.3em 0}.card .more{font-size:14px;color:var(--g2);font-weight:700}
.tag{display:inline-block;background:#e6f2ec;color:var(--g2);font-size:12px;font-weight:700;padding:2px 8px;border-radius:99px;text-transform:uppercase}
.lib-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(320px,1fr));gap:18px}.lib h2 a{color:var(--ink);text-decoration:none}.lib-actions{margin-top:12px}
.pills{display:flex;flex-wrap:wrap;gap:8px;margin:10px 0 24px}.pill{border:1px solid var(--line);border-radius:99px;padding:6px 14px;text-decoration:none;background:#fff}
details{border:1px solid var(--line);border-radius:10px;padding:12px 16px;margin:8px 0}summary{font-weight:700;cursor:pointer}
.page-head{background:var(--bg);padding:28px 0;border-bottom:1px solid var(--line)}.page-head h1{font-size:clamp(28px,4vw,40px);line-height:1.2;margin:.2em 0}
.crumbs{font-size:14px;color:var(--mut);margin-bottom:6px}.crumbs a{color:var(--mut)}
.article{padding:24px 0}.article h1{font-size:clamp(28px,4vw,40px);line-height:1.2}
.prose h2{margin-top:1.6em;font-size:26px;line-height:1.3}.prose h3{font-size:20px}.prose blockquote{border-left:4px solid var(--y);margin:1em 0;padding:.5em 1em;background:#fffbea}
.tablewrap{overflow-x:auto}.prose table{border-collapse:collapse;width:100%;font-size:15px}.prose th,.prose td{border:1px solid var(--line);padding:8px;text-align:left;vertical-align:top}.prose th{background:var(--bg)}
.cite{font-size:11px}.cite a{text-decoration:none}.sources{font-size:14px;word-break:break-word}.sources li:target{background:#fff7d6}
.dl-box{display:flex;justify-content:space-between;align-items:center;gap:16px;background:#fff7d6;border:1px solid #f0d36b;border-radius:var(--r);padding:14px 18px;margin:20px 0}.dl-box p{margin:2px 0 0;font-size:15px}
.cta-band{background:var(--g);padding:40px 0}
footer.site{background:#13363d;color:#cfe0d7;padding:36px 0 20px;font-size:15px}footer a{color:#fff}.fgrid{display:grid;grid-template-columns:1.2fr 1fr 1.4fr;gap:24px}footer ul{padding-left:18px}
.legal{border-top:1px solid #2a5a63;margin-top:20px;padding-top:12px;font-size:13px}
.sticky-bar{display:none}
@media (max-width:860px){.hero-grid,.steps,.fgrid{grid-template-columns:1fr}.hero{padding:16px 0 28px}.hero .checks,.hero .lead{display:none}.hero .hero-copy h1{font-size:26px}header nav{gap:10px;font-size:14px}.dl-box{flex-direction:column;align-items:flex-start}
.sticky-bar{display:flex;gap:8px;position:fixed;left:12px;right:12px;bottom:12px;z-index:30}.sticky-bar .btn{box-shadow:0 6px 20px rgba(0,0,0,.25)}.sticky-cta{flex:1;text-align:center}.sticky-call{background:#fff;color:var(--g);border:2px solid var(--g);display:flex;align-items:center;justify-content:center;width:56px;padding:0}.sticky-call .ic{width:24px;height:24px}header .hc-num{display:none}body{padding-bottom:70px}.page-head .hero-copy .lead{font-size:17px}}
@media (max-width:520px){.grid2{grid-template-columns:1fr}header nav a:not(.btn){font-size:13px}}
.related{background:var(--bg);border:1px solid var(--line);border-radius:var(--r);padding:8px 18px;margin:24px 0}.related h2{font-size:20px;margin:.6em 0}
.logo img{display:block;height:32px;width:auto}
.hero-ctas{margin:14px 0}.hero-ctas .btn-outline{background:transparent;color:#fff;border-color:#fff}.disclose{font-size:16px;color:#fff}.card,.lead-form,details{background:#fff}
.form-msg.err{color:#B42318}.form-msg.ok{color:#2E7D4F}
.hero a.btn{color:var(--ink)}.hero a.btn-outline{color:#fff}
.ic{vertical-align:-3px}.btn-call{background:#fff;color:var(--g);border:2px solid var(--g);display:inline-flex;align-items:center;gap:8px}.hero .btn-call,.page-head .btn-call{background:transparent;color:#fff;border-color:#fff}.call-block{margin:18px 0}.call-note{font-size:15px;margin:6px 0 0;opacity:.9}
header nav .btn-call-h{background:transparent;color:#fff;border:2px solid #fff;display:inline-flex;align-items:center;gap:4px}
.indep{font-size:15px;margin:4px 0 12px;opacity:.9}.article .indep{color:var(--mut)}.hero a.btn-call{color:#fff}