:root{
  --navy:#16324F;--teal:#2B6F70;--gold:#D89B3C;--cream:#F6F1E8;
  --ink:#17212b;--muted:#667085;--white:#fff;--line:#e4e8ed;--soft:#f7f8f8;
  --shadow:0 18px 48px rgba(22,50,79,.10);--radius:22px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fbfbfa;line-height:1.6}
a{color:inherit}
.wrap{max-width:1160px;margin:auto;padding:0 22px}
header{position:sticky;top:0;z-index:30;background:rgba(251,251,250,.94);backdrop-filter:blur(14px);border-bottom:1px solid rgba(0,0,0,.06)}
nav{min-height:70px;display:flex;align-items:center;justify-content:space-between;gap:18px}
.brand{display:flex;align-items:center;gap:11px;font-weight:850;color:var(--navy);text-decoration:none}
.brandmark{width:38px;height:38px;border-radius:12px;background:linear-gradient(135deg,var(--navy),var(--teal));display:grid;place-items:center;color:white;font-weight:900}
.navlinks{display:flex;align-items:center;gap:20px}
.navlinks a{text-decoration:none;color:#45576a;font-size:.94rem}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:12px;padding:12px 16px;text-decoration:none;font-weight:780;cursor:pointer;transition:.18s ease}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--navy);color:white;box-shadow:0 9px 22px rgba(22,50,79,.16)}
.btn-secondary{background:white;color:var(--navy);border:1px solid #d5dce3}
.btn-gold{background:var(--gold);color:#1f2a35}
.hero{padding:74px 0 48px;background:
 radial-gradient(circle at 88% 12%,rgba(216,155,60,.18),transparent 32%),
 radial-gradient(circle at 10% 5%,rgba(43,111,112,.14),transparent 28%),
 linear-gradient(180deg,#fff,#fbfbfa)}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:46px;align-items:center}
.eyebrow{display:inline-flex;background:#eaf4f3;color:var(--teal);padding:6px 10px;border-radius:999px;font-size:.8rem;font-weight:850;letter-spacing:.03em}
h1{font-size:clamp(2.4rem,5.7vw,4.6rem);line-height:1.03;letter-spacing:-.055em;color:var(--navy);margin:18px 0 20px}
h2{font-size:clamp(1.8rem,3.5vw,2.8rem);line-height:1.1;letter-spacing:-.04em;color:var(--navy);margin:0}
h3{color:var(--navy)}
.lede{font-size:1.12rem;color:#4f6274;max-width:740px}
.actions{display:flex;gap:11px;flex-wrap:wrap;margin-top:25px}
.hero-card,.card,.tool-card,.result-card{background:white;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 8px 28px rgba(31,42,53,.045)}
.hero-card{padding:26px;background:var(--cream)}
.flow{display:grid;gap:10px;margin-top:16px}
.flow-row{display:flex;gap:12px;align-items:center;background:white;border-radius:14px;padding:12px;border:1px solid rgba(0,0,0,.05)}
.num{width:30px;height:30px;border-radius:10px;background:var(--navy);color:white;display:grid;place-items:center;font-weight:850}
section{padding:68px 0}
.section-head{display:flex;justify-content:space-between;gap:26px;align-items:end;margin-bottom:28px}
.section-head p{max-width:620px;color:var(--muted);margin:0}
.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.grid-4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.card,.tool-card{padding:24px}
.card p,.tool-card p{color:var(--muted)}
.tool-card{display:flex;flex-direction:column}
.tool-card .btn{margin-top:auto}
.badge{display:inline-flex;align-self:flex-start;background:#f1f4f6;color:#586a7a;border-radius:8px;padding:5px 8px;font-size:.75rem;font-weight:800}
.breadcrumbs{padding-top:22px;color:#738091;font-size:.86rem}
.breadcrumbs a{text-decoration:none}
.form-card{padding:26px;background:white;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:13px}
label{font-size:.82rem;font-weight:780;color:#4f6070}
input,select{width:100%;margin-top:6px;border:1px solid #ccd4dc;border-radius:10px;padding:11px 12px;font:inherit;background:#fff}
.result{margin-top:16px;padding:15px;border-radius:13px;background:#f4faf8;border:1px solid #d9ebe6;color:#284c4d;min-height:58px}
.notice{margin-top:14px;background:#fff7e8;border:1px solid #f0d9a9;color:#654c1d;padding:12px 14px;border-radius:12px;font-size:.87rem}
.callout{background:var(--navy);color:white;border-radius:24px;padding:28px}
.callout h2,.callout h3{color:white}
.callout p{color:#e4ebf0}
.checklist{display:grid;gap:9px;margin:18px 0}
.checkitem{display:flex;gap:9px;align-items:flex-start;background:var(--soft);padding:11px;border-radius:10px}
.checkitem input{width:auto;margin-top:4px}
.footer-cta{background:var(--cream)}
footer{padding:42px 0 58px;border-top:1px solid var(--line);color:#677787;font-size:.9rem}
.small{font-size:.86rem;color:var(--muted)}
.list-clean{padding-left:20px}
hr{border:0;border-top:1px solid var(--line);margin:28px 0}
@media(max-width:900px){
  .hero-grid,.grid-4{grid-template-columns:1fr 1fr}
  .grid-3{grid-template-columns:1fr}
}
@media(max-width:700px){
  .navlinks a:not(.btn){display:none}
  .hero-grid,.grid-2,.grid-4,.form-grid{grid-template-columns:1fr}
  .section-head{display:block}
  .section-head p{margin-top:10px}
  .hero{padding-top:48px}
  h1{font-size:2.55rem}
}

.content-section{background:#fff}.prose{max-width:900px}.prose>p,.prose>ul{color:#526476;font-size:1.03rem}.prose h2{font-size:clamp(1.55rem,3vw,2.15rem);margin-top:34px;margin-bottom:12px}.prose h3{margin-top:25px}.prose a{color:var(--teal);font-weight:750}.formula-box{margin:20px 0;padding:20px 22px;border-left:4px solid var(--gold);background:var(--cream);border-radius:0 14px 14px 0;color:var(--navy)}.compact-grid{margin:22px 0}.mini-card{padding:20px;border:1px solid var(--line);border-radius:16px;background:#fff;display:flex;flex-direction:column;gap:5px}.mini-card strong{font-size:1.15rem;color:var(--navy)}.mini-card span{color:var(--muted)}.faq{margin-top:38px}.faq details{border-top:1px solid var(--line);padding:15px 0}.faq details:last-child{border-bottom:1px solid var(--line)}.faq summary{cursor:pointer;font-weight:800;color:var(--navy)}.faq p{color:var(--muted)}.page-title{font-size:clamp(2.4rem,5vw,4rem)}.footer-grid{display:flex;justify-content:space-between;gap:24px;align-items:flex-start}.footer-links{display:flex;gap:16px;flex-wrap:wrap}.footer-links a{text-decoration:none;color:var(--navy);font-weight:700}@media(max-width:700px){.footer-grid{display:block}.footer-links{margin-top:18px}}