:root{--navy: #12263a;--navy-2: #1d3a57;--ink: #1b1f24;--muted: #5b6672;--line: #d9dee4;--bg: #ffffff;--bg-2: #f4f6f8;--orange: #c4520a;--orange-2: #a8440a;--green: #1f7a4d;--red: #b3261e;--radius: 10px;--max: 1080px;--font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:var(--font);font-size:17px;line-height:1.55;color:var(--ink);background:var(--bg)}a{color:var(--navy-2)}img{max-width:100%}h1,h2,h3{line-height:1.15;color:var(--navy);margin:0 0 .5em}h1{font-size:clamp(1.9rem,4.5vw,3rem);letter-spacing:-.01em}h2{font-size:clamp(1.4rem,3vw,2rem)}h3{font-size:1.15rem}p{margin:0 0 1em}.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}.section{padding:56px 0}.section.alt{background:var(--bg-2)}.lede{font-size:1.2rem;color:var(--muted);max-width:46ch}.grid{display:grid;gap:22px}@media(min-width:760px){.grid.cols-2{grid-template-columns:1fr 1fr}.grid.cols-3{grid-template-columns:1fr 1fr 1fr}}.card{background:var(--bg);border:1px solid var(--line);border-radius:var(--radius);padding:22px}.btn{display:inline-block;padding:12px 20px;border-radius:8px;background:var(--orange);color:#fff;font-weight:600;text-decoration:none;border:0;cursor:pointer;font-size:1rem}.btn:hover{background:var(--orange-2)}.btn.secondary{background:transparent;color:var(--navy);border:2px solid var(--navy)}.btn.secondary:hover{background:var(--bg-2)}.small{font-size:.9rem;color:var(--muted)}.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:.78rem;font-weight:700;color:var(--orange);margin-bottom:.6em}.skip-link{position:absolute;left:12px;top:-60px;background:var(--navy);color:#fff;padding:12px 18px;border-radius:8px;text-decoration:none;font-weight:700;z-index:100;transition:top .15s ease}.skip-link:focus{top:12px}.site-header{border-bottom:1px solid var(--line);background:var(--bg);position:relative}.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:64px}.brand{font-weight:800;color:var(--navy);text-decoration:none;font-size:1.15rem;letter-spacing:-.01em}.brand span{color:var(--orange)}.nav a{margin-left:18px;text-decoration:none;color:var(--ink);font-weight:500}.nav a.cta{color:var(--orange);font-weight:700}.site-footer{border-top:1px solid var(--line);padding:32px 0;color:var(--muted);font-size:.9rem}.site-footer a{color:var(--muted)}.site-footer .links a{margin-right:16px}.card-title{font-size:1.15rem;margin:0 0 .5em}.nav-toggle{display:none;flex-direction:column;justify-content:center;gap:5px;width:40px;height:40px;padding:0;border:0;background:none;cursor:pointer}.nav-toggle .bar{display:block;width:22px;height:2px;background:var(--navy);border-radius:1px}.mobile-nav{display:none}@media(max-width:767px){.nav-toggle{display:inline-flex}.site-header .nav{display:none}.mobile-nav{position:absolute;top:100%;left:0;right:0;background:var(--bg);border-bottom:1px solid var(--line);box-shadow:0 8px 20px #12263a1a}.mobile-nav[hidden]{display:none}.mobile-nav:not([hidden]){display:block}.mobile-nav .wrap{display:flex;flex-direction:column;padding:8px 20px 16px}.mobile-nav a{padding:13px 0;text-decoration:none;color:var(--ink);font-weight:500;border-bottom:1px solid var(--line)}.mobile-nav a:last-child{border-bottom:0}.mobile-nav a.cta{color:var(--orange);font-weight:700}}label{display:block;font-weight:600;margin-bottom:6px}input,select{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:8px;font:inherit;background:#fff}.field{margin-bottom:16px}.hint{font-size:.85rem;color:var(--muted);margin-top:4px}.notice{padding:12px 14px;border-radius:8px;background:var(--bg-2);border:1px solid var(--line)}.notice.ok{border-color:var(--green)}.notice.warn{border-color:var(--orange)}.calc-result{border-left:4px solid var(--orange);padding-left:16px}.calc-result .big{font-size:2rem;font-weight:800;color:var(--navy)}.stat{display:flex;justify-content:space-between;padding:8px 0;border-bottom:1px solid var(--line)}.stat:last-child{border-bottom:0}.pill{display:inline-block;padding:3px 10px;border-radius:999px;font-size:.85rem;font-weight:700}.pill.ok{background:#e6f4ec;color:var(--green)}.pill.no{background:#fbe9e7;color:var(--red)}.prose{max-width:70ch}.prose h2{margin-top:1.6em}.prose ul{padding-left:1.2em}.steps{counter-reset:step;list-style:none;padding:0}.steps li{counter-increment:step;padding-left:44px;position:relative;margin-bottom:18px}.steps li:before{content:counter(step);position:absolute;left:0;top:0;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center}