:root {
--navy:        #101F3D;
--navy-deep:   #0B1630;
--teal:        #10B6A4;
--teal-dark:   #0E9C8D;
--blue:        #3B82F6;
--blue-dark:   #2563EB;
--bg-pale:     #F5F8FC;
--white:       #FFFFFF;
--text:        #152238;
--text-muted:  #64748B;
--border:      #E2E8F0;
--navy-70:     rgba(16, 31, 61, 0.70);
--teal-soft:   #E6F7F4;
--blue-soft:   #EAF1FE;
--amber:       #D97706;
--amber-soft:  #FEF3E2;
--danger:      #DC2626;
--danger-soft: #FEECEC;
--success:     #0E9C8D;
--ink-900:     #0B1630;
--grad-hero:   linear-gradient(140deg, #0B1630 0%, #101F3D 55%, #16305C 100%);
--grad-teal:   linear-gradient(120deg, #10B6A4 0%, #3B82F6 100%);
--font-sans: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
--font-display: "Manrope", var(--font-sans);
--fs-xs:   0.8125rem;
--fs-sm:   0.9375rem;
--fs-base: 1.0625rem;
--fs-md:   1.1875rem;
--fs-lg:   1.375rem;
--fs-xl:   1.75rem;
--fs-2xl:  clamp(2rem, 1.4rem + 2.6vw, 2.9rem);
--fs-3xl:  clamp(2.4rem, 1.6rem + 3.4vw, 3.6rem);
--lh-tight: 1.18;
--lh-snug:  1.35;
--lh-body:  1.68;
--sp-1: 0.25rem;
--sp-2: 0.5rem;
--sp-3: 0.75rem;
--sp-4: 1rem;
--sp-5: 1.5rem;
--sp-6: 2rem;
--sp-7: 3rem;
--sp-8: 4rem;
--sp-9: 6rem;
--r-sm: 8px;
--r-md: 14px;
--r-lg: 20px;
--r-xl: 28px;
--r-pill: 999px;
--sh-sm: 0 1px 2px rgba(16,31,61,.06), 0 1px 3px rgba(16,31,61,.08);
--sh-md: 0 4px 12px rgba(16,31,61,.06), 0 8px 24px rgba(16,31,61,.08);
--sh-lg: 0 12px 32px rgba(16,31,61,.10), 0 24px 56px rgba(16,31,61,.12);
--sh-teal: 0 10px 28px rgba(16,182,164,.28);
--maxw: 1200px;
--maxw-prose: 760px;
--header-h: 76px;
--ease: cubic-bezier(.22,.61,.36,1);
}
*,
*::before,
*::after { box-sizing: border-box; }
html {
-webkit-text-size-adjust: 100%;
scroll-behavior: smooth;
scroll-padding-top: calc(var(--header-h) + 16px);
overflow-x: clip;
}
body {
margin: 0;
font-family: var(--font-sans);
font-size: var(--fs-base);
line-height: var(--lh-body);
color: var(--text);
background: var(--white);
-webkit-font-smoothing: antialiased;
text-rendering: optimizeLegibility;
overflow-x: clip;
}
img, svg, video { max-width: 100%; height: auto; display: block; }
img { font-style: italic; }
a { color: var(--blue-dark); text-decoration-thickness: 1px; text-underline-offset: 2px; }
a:hover { color: var(--navy); }
ul, ol { padding-left: 1.25rem; }
:focus-visible {
outline: 3px solid var(--blue);
outline-offset: 2px;
border-radius: 4px;
}
.skip-link {
position: absolute;
left: 8px;
top: -60px;
z-index: 200;
background: var(--navy);
color: #fff;
padding: .6rem 1rem;
border-radius: var(--r-sm);
transition: top .2s var(--ease);
}
.skip-link:focus { top: 8px; color:#fff; }
.container {
width: 100%;
max-width: var(--maxw);
margin-inline: auto;
padding-inline: clamp(16px, 4vw, 40px);
}
.section { padding-block: clamp(3rem, 6vw, 5.5rem); }
.section--tight { padding-block: clamp(2rem, 4vw, 3.5rem); }
.section--pale { background: var(--bg-pale); }
.section--navy { background: var(--grad-hero); color: #E8EEF9; }
.section--navy h2, .section--navy h3 { color: #fff; }
.grid { display: grid; gap: var(--sp-5); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.grid-auto { grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.prose { max-width: var(--maxw-prose); }
h1, h2, h3, h4 {
font-family: var(--font-display);
color: var(--navy);
line-height: var(--lh-tight);
font-weight: 700;
margin: 0 0 var(--sp-4);
letter-spacing: -0.015em;
}
h1 { font-size: var(--fs-3xl); }
h2 { font-size: var(--fs-2xl); }
h3 { font-size: var(--fs-xl); line-height: var(--lh-snug); }
h4 { font-size: var(--fs-lg); line-height: var(--lh-snug); }
p  { margin: 0 0 var(--sp-4); }
.lead { font-size: var(--fs-md); color: #33415A; line-height: var(--lh-snug); }
.eyebrow {
display: inline-block;
font-family: var(--font-display);
font-weight: 700;
font-size: var(--fs-xs);
letter-spacing: .09em;
text-transform: uppercase;
color: var(--teal-dark);
margin-bottom: var(--sp-3);
}
.section--navy .eyebrow { color: var(--teal); }
.section-head { max-width: 720px; margin-bottom: var(--sp-6); }
.section-head--center { margin-inline: auto; text-align: center; }
.btn {
display: inline-flex;
align-items: center;
justify-content: center;
gap: .5rem;
font-family: var(--font-display);
font-weight: 700;
font-size: var(--fs-sm);
line-height: 1;
padding: .95rem 1.6rem;
border-radius: var(--r-pill);
border: 2px solid transparent;
cursor: pointer;
text-decoration: none;
transition: transform .15s var(--ease), box-shadow .2s var(--ease), background .2s var(--ease);
white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }
.btn-primary { background: var(--teal); color: var(--navy-deep); box-shadow: var(--sh-teal); }
.btn-primary:hover { background: var(--teal-dark); color: var(--navy-deep); }
.btn-secondary { background: #fff; color: var(--navy); border-color: var(--border); box-shadow: var(--sh-sm); }
.btn-secondary:hover { border-color: var(--teal); color: var(--navy); }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,.35); }
.btn-ghost:hover { background: rgba(255,255,255,.08); color:#fff; }
.btn-lg { padding: 1.1rem 2rem; font-size: var(--fs-base); }
.btn-block { width: 100%; }
.site-header {
position: sticky;
top: 0;
z-index: 100;
background: rgba(255,255,255,.88);
backdrop-filter: saturate(140%) blur(12px);
-webkit-backdrop-filter: saturate(140%) blur(12px);
border-bottom: 1px solid var(--border);
}
.nav {
display: flex;
align-items: center;
justify-content: space-between;
gap: var(--sp-5);
min-height: var(--header-h);
}
.brand {
display: inline-flex;
align-items: center;
gap: .6rem;
font-family: var(--font-display);
font-weight: 800;
font-size: 1.12rem;
color: var(--navy);
text-decoration: none;
letter-spacing: -.02em;
}
.brand:hover { color: var(--navy); }
.brand__mark { flex: none; width: 36px; height: 36px; }
.brand__name small { display:block; font-size:.62rem; font-weight:600; letter-spacing:.14em; text-transform:uppercase; color:var(--text-muted); }
.nav-list {
display: flex;
align-items: center;
gap: .3rem;
list-style: none;
margin: 0;
padding: 0;
}
.nav-item { position: relative; }
.nav-link {
display: inline-flex;
align-items: center;
gap: .3rem;
font-family: var(--font-display);
font-weight: 600;
font-size: var(--fs-sm);
color: var(--text);
text-decoration: none;
padding: .6rem .85rem;
border-radius: var(--r-sm);
}
.nav-link:hover,
.nav-item:focus-within > .nav-link { background: var(--bg-pale); color: var(--navy); }
.nav-link[aria-current="page"] { color: var(--teal-dark); }
.nav-link[aria-current="page"]::after {
content:""; position:absolute; left:.85rem; right:.85rem; bottom:.35rem; height:2px; background:var(--teal); border-radius:2px;
}
.nav-link .chev { width: 14px; height: 14px; transition: transform .2s var(--ease); }
.nav-item:hover .chev,
.nav-item:focus-within .chev { transform: rotate(180deg); }
.dropdown {
position: absolute;
top: calc(100% + 6px);
left: 0;
min-width: 290px;
background: #fff;
border: 1px solid var(--border);
border-radius: var(--r-md);
box-shadow: var(--sh-lg);
padding: .5rem;
list-style: none;
margin: 0;
opacity: 0;
visibility: hidden;
transform: translateY(8px);
transition: opacity .18s var(--ease), transform .18s var(--ease), visibility .18s;
}
.nav-item:hover > .dropdown,
.nav-item:focus-within > .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown a {
display: block;
padding: .6rem .75rem;
border-radius: var(--r-sm);
color: var(--text);
text-decoration: none;
font-size: var(--fs-sm);
font-weight: 600;
}
.dropdown a span { display:block; font-weight:500; font-size:var(--fs-xs); color:var(--text-muted); }
.dropdown a:hover { background: var(--bg-pale); color: var(--navy); }
.nav-cta { display: inline-flex; gap: .6rem; align-items: center; }
.nav-toggle {
display: none;
flex-direction: column;
justify-content: center;
gap: 5px;
width: 46px; height: 46px;
background: #fff;
border: 1px solid var(--border);
border-radius: var(--r-sm);
cursor: pointer;
}
.nav-toggle span { display:block; width:22px; height:2px; background:var(--navy); margin-inline:auto; border-radius:2px; transition: transform .2s var(--ease), opacity .2s var(--ease); }
.nav-toggle[aria-expanded="true"] span:nth-child(1){ transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2){ opacity:0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3){ transform: translateY(-7px) rotate(-45deg); }
.site-footer { background: var(--navy-deep); color: #B9C4D9; font-size: var(--fs-sm); }
.site-footer a { color: #B9C4D9; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.footer-top { display: grid; grid-template-columns: 1.4fr repeat(4, 1fr); gap: var(--sp-6); padding-block: var(--sp-8) var(--sp-7); }
.footer-brand .brand { color:#fff; }
.footer-brand p { margin-top: var(--sp-4); color:#8C9AB5; max-width: 32ch; }
.footer-col h4 { color:#fff; font-size:var(--fs-sm); text-transform:uppercase; letter-spacing:.08em; margin-bottom: var(--sp-4); }
.footer-col ul { list-style:none; margin:0; padding:0; display:grid; gap:.55rem; }
.footer-legal { border-top:1px solid rgba(255,255,255,.1); padding-block: var(--sp-5); display:flex; flex-wrap:wrap; gap:var(--sp-4); justify-content:space-between; align-items:center; color:#8C9AB5; }
.footer-legal nav { display:flex; flex-wrap:wrap; gap:1rem; }
.footer-disclosure { background: rgba(0,0,0,.25); font-size: var(--fs-xs); color:#8C9AB5; padding-block: var(--sp-5); line-height:1.6; }
.footer-disclosure strong { color:#C9D4E6; }
.card {
background: #fff;
border: 1px solid var(--border);
border-radius: var(--r-lg);
padding: var(--sp-6);
box-shadow: var(--sh-sm);
transition: transform .2s var(--ease), box-shadow .2s var(--ease), border-color .2s var(--ease);
}
.card--link { display:flex; flex-direction:column; text-decoration:none; color:inherit; }
.card--link:hover { transform: translateY(-4px); box-shadow: var(--sh-md); border-color: #CFE0F5; color:inherit; }
.card__icon { width:52px; height:52px; display:grid; place-items:center; border-radius:14px; background:var(--teal-soft); color:var(--teal-dark); margin-bottom: var(--sp-4); }
.card__icon svg { width:26px; height:26px; }
.card h3 { font-size: var(--fs-lg); margin-bottom: var(--sp-3); }
.card p { color: var(--text-muted); margin-bottom: var(--sp-4); }
.card__more { margin-top:auto; font-family:var(--font-display); font-weight:700; font-size:var(--fs-sm); color:var(--blue-dark); display:inline-flex; align-items:center; gap:.35rem; }
.card--link:hover .card__more { gap:.6rem; }
.article-card { overflow:hidden; padding:0; }
.article-card__body { padding: var(--sp-5) var(--sp-6) var(--sp-6); display:flex; flex-direction:column; }
.article-card__tag { font-size:var(--fs-xs); font-weight:700; letter-spacing:.06em; text-transform:uppercase; color:var(--teal-dark); margin-bottom:var(--sp-3); }
.article-card__thumb { height:150px; background:var(--grad-teal); position:relative; }
.pill { display:inline-flex; align-items:center; gap:.4rem; font-size:var(--fs-xs); font-weight:700; padding:.35rem .8rem; border-radius:var(--r-pill); background:var(--bg-pale); color:var(--navy); border:1px solid var(--border); }
.pill--teal { background:var(--teal-soft); color:var(--teal-dark); border-color:transparent; }
.checklist { list-style:none; padding:0; margin:0; display:grid; gap:var(--sp-3); }
.checklist li { position:relative; padding-left:2rem; }
.checklist li::before {
content:""; position:absolute; left:0; top:.15rem; width:1.35rem; height:1.35rem; border-radius:50%;
background:var(--teal-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230E9C8D' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center/0.85rem no-repeat;
}
.crosslist li::before {
background:var(--danger-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23DC2626' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cline x1='18' y1='6' x2='6' y2='18'/%3E%3Cline x1='6' y1='6' x2='18' y2='18'/%3E%3C/svg%3E") center/0.85rem no-repeat;
}
.steps { counter-reset: step; display:grid; gap:var(--sp-5); }
.step { position:relative; padding-left:4.25rem; }
.step::before {
counter-increment: step; content: counter(step);
position:absolute; left:0; top:0; width:3rem; height:3rem; border-radius:50%;
display:grid; place-items:center; font-family:var(--font-display); font-weight:800; font-size:1.2rem;
background:var(--grad-teal); color:#fff; box-shadow:var(--sh-teal);
}
.step h3 { font-size:var(--fs-lg); margin-bottom:var(--sp-2); }
.step p { color:var(--text-muted); margin:0; }
.split-cols { display:grid; grid-template-columns:1fr 1fr; gap:var(--sp-5); }
.panel { border-radius:var(--r-lg); padding:var(--sp-6); border:1px solid var(--border); }
.panel--pro { background:var(--teal-soft); border-color:transparent; }
.panel--con { background:var(--amber-soft); border-color:transparent; }
.panel h3 { display:flex; align-items:center; gap:.5rem; }
.table-wrap { overflow-x:auto; border:1px solid var(--border); border-radius:var(--r-md); -webkit-overflow-scrolling:touch; }
table.data { width:100%; border-collapse:collapse; min-width:560px; font-size:var(--fs-sm); }
table.data caption { text-align:left; padding:var(--sp-4); font-weight:600; color:var(--text-muted); }
table.data th, table.data td { padding:.9rem 1rem; text-align:left; border-bottom:1px solid var(--border); vertical-align:top; }
table.data thead th { background:var(--bg-pale); font-family:var(--font-display); color:var(--navy); position:sticky; top:0; }
table.data tbody tr:last-child td { border-bottom:none; }
table.data tbody tr:nth-child(even) { background:#FBFDFF; }
.callout { border-radius:var(--r-md); padding:var(--sp-5); border:1px solid var(--border); background:#fff; display:flex; gap:var(--sp-4); }
.callout__icon { flex:none; width:40px; height:40px; border-radius:10px; display:grid; place-items:center; }
.callout--info { background:var(--blue-soft); border-color:transparent; }
.callout--info .callout__icon { background:#fff; color:var(--blue-dark); }
.callout--warn { background:var(--amber-soft); border-color:transparent; }
.callout--warn .callout__icon { background:#fff; color:var(--amber); }
.callout--help { background:var(--teal-soft); border-color:transparent; }
.callout--help .callout__icon { background:#fff; color:var(--teal-dark); }
.callout p:last-child { margin-bottom:0; }
.callout h3, .callout h4 { margin-bottom:var(--sp-2); }
.verify-flag { background:var(--amber-soft); border:1px dashed var(--amber); color:#7A4A06; border-radius:var(--r-sm); padding:.75rem 1rem; font-size:var(--fs-sm); margin-block:var(--sp-4); }
.verify-flag strong { color:#7A4A06; }
.breadcrumbs { padding-block:var(--sp-4) 0; }
.breadcrumbs ol { list-style:none; display:flex; flex-wrap:wrap; gap:.4rem; margin:0; padding:0; font-size:var(--fs-xs); color:var(--text-muted); }
.breadcrumbs li::after { content:"/"; margin-left:.4rem; color:var(--border); }
.breadcrumbs li:last-child::after { content:""; }
.breadcrumbs a { color:var(--text-muted); text-decoration:none; }
.breadcrumbs a:hover { color:var(--blue-dark); text-decoration:underline; }
.accordion { border:1px solid var(--border); border-radius:var(--r-md); overflow:hidden; background:#fff; }
.accordion details { border-bottom:1px solid var(--border); }
.accordion details:last-child { border-bottom:none; }
.accordion summary {
list-style:none; cursor:pointer; padding:1.15rem 1.35rem; font-family:var(--font-display); font-weight:700;
color:var(--navy); display:flex; justify-content:space-between; align-items:center; gap:1rem; font-size:var(--fs-md);
}
.accordion summary::-webkit-details-marker { display:none; }
.accordion summary::after { content:""; flex:none; width:22px; height:22px; background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2310B6A4' stroke-width='3' stroke-linecap='round'%3E%3Cline x1='12' y1='5' x2='12' y2='19'/%3E%3Cline x1='5' y1='12' x2='19' y2='12'/%3E%3C/svg%3E") center/contain no-repeat; transition:transform .2s var(--ease); }
.accordion details[open] summary::after { transform:rotate(45deg); }
.accordion .acc-body { padding:0 1.35rem 1.25rem; color:var(--text-muted); }
.accordion .acc-body p:last-child { margin-bottom:0; }
.hero { background:var(--grad-hero); color:#E8EEF9; position:relative; overflow:hidden; }
.hero::before { content:""; position:absolute; inset:0; background:radial-gradient(60% 55% at 85% 10%, rgba(16,182,164,.22), transparent 70%), radial-gradient(45% 40% at 10% 90%, rgba(59,130,246,.18), transparent 70%); pointer-events:none; }
.hero .container { position:relative; }
.hero-grid { display:grid; grid-template-columns:1.05fr .95fr; gap:var(--sp-8); align-items:center; padding-block:clamp(2.5rem,5vw,4.5rem); }
.hero h1 { color:#fff; margin-bottom:var(--sp-5); }
.hero .lead { color:#C4D0E6; max-width:52ch; }
.hero-actions { display:flex; flex-wrap:wrap; gap:var(--sp-4); margin-block:var(--sp-6) var(--sp-6); }
.hero-points { display:flex; flex-wrap:wrap; gap:var(--sp-5); list-style:none; padding:0; margin:0; }
.hero-points li { display:flex; align-items:center; gap:.5rem; font-size:var(--fs-sm); color:#D7E0F0; }
.hero-points svg { width:20px; height:20px; color:var(--teal); flex:none; }
.page-hero { background:var(--grad-hero); color:#E8EEF9; }
.page-hero .container { padding-block:clamp(2.5rem,5vw,4rem); }
.page-hero h1 { color:#fff; max-width:20ch; }
.page-hero .lead { color:#C4D0E6; max-width:62ch; }
.stats { display:grid; grid-template-columns:repeat(auto-fit,minmax(150px,1fr)); gap:var(--sp-5); }
.stat { text-align:center; }
.stat b { display:block; font-family:var(--font-display); font-size:var(--fs-2xl); color:var(--navy); line-height:1; }
.section--navy .stat b { color:#fff; }
.stat span { font-size:var(--fs-sm); color:var(--text-muted); }
.section--navy .stat span { color:#AEBBD3; }
.cta-band { background:var(--grad-teal); border-radius:var(--r-xl); padding:clamp(2rem,4vw,3.25rem); color:#06251F; text-align:center; }
.cta-band h2 { color:#06251F; }
.cta-band p { color:#0A3A32; max-width:56ch; margin-inline:auto; }
.cta-band .hero-actions { justify-content:center; }
.toc { background:var(--bg-pale); border:1px solid var(--border); border-radius:var(--r-md); padding:var(--sp-5); }
.toc h2 { font-size:var(--fs-md); margin-bottom:var(--sp-3); }
.toc ul { list-style:none; margin:0; padding:0; display:grid; gap:.4rem; }
.toc a { font-size:var(--fs-sm); color:var(--text); text-decoration:none; }
.toc a:hover { color:var(--blue-dark); text-decoration:underline; }
.meta-box { display:flex; flex-wrap:wrap; gap:var(--sp-5); align-items:center; background:var(--bg-pale); border:1px solid var(--border); border-radius:var(--r-md); padding:var(--sp-4) var(--sp-5); font-size:var(--fs-sm); color:var(--text-muted); }
.meta-box strong { color:var(--navy); }
.related-grid a { display:block; padding:var(--sp-4) var(--sp-5); border:1px solid var(--border); border-radius:var(--r-md); text-decoration:none; color:var(--navy); font-family:var(--font-display); font-weight:700; background:#fff; transition:border-color .2s var(--ease), transform .2s var(--ease); }
.related-grid a:hover { border-color:var(--teal); transform:translateY(-3px); }
.related-grid a span { display:block; font-weight:500; font-size:var(--fs-xs); color:var(--text-muted); margin-top:.2rem; }
.calc {
background:#fff; border:1px solid var(--border); border-radius:var(--r-lg); box-shadow:var(--sh-md);
padding:clamp(1.25rem,3vw,2rem);
}
.calc--hero { background:rgba(255,255,255,.97); color:var(--text); }
.calc__head { display:flex; align-items:center; justify-content:space-between; gap:1rem; margin-bottom:var(--sp-5); }
.calc__head h3 { margin:0; }
.calc-grid { display:grid; grid-template-columns:1fr 1fr; gap:var(--sp-5); }
.field { margin-bottom:var(--sp-5); }
.field label { display:block; font-family:var(--font-display); font-weight:700; font-size:var(--fs-sm); color:var(--navy); margin-bottom:.4rem; }
.field .hint { font-weight:500; color:var(--text-muted); font-size:var(--fs-xs); display:block; margin-top:.3rem; }
.input-wrap { position:relative; display:flex; align-items:center; }
.input-wrap .affix { position:absolute; left:.9rem; color:var(--text-muted); font-weight:600; pointer-events:none; }
.input-wrap .affix-right { left:auto; right:.9rem; }
input[type="number"], input[type="text"], input[type="email"], select, textarea {
width:100%; font:inherit; font-size:var(--fs-base); color:var(--text);
padding:.8rem 1rem; border:1.5px solid var(--border); border-radius:var(--r-sm); background:#fff; transition:border-color .15s var(--ease), box-shadow .15s var(--ease);
}
.input-wrap.has-affix input { padding-left:2rem; }
.input-wrap.has-affix-right input { padding-right:2.4rem; }
input:focus, select:focus, textarea:focus { border-color:var(--teal); box-shadow:0 0 0 4px rgba(16,182,164,.15); outline:none; }
input[aria-invalid="true"] { border-color:var(--danger); }
.field-error { color:var(--danger); font-size:var(--fs-xs); font-weight:600; margin-top:.35rem; display:none; }
.field-error.show { display:block; }
input[type="range"] { -webkit-appearance:none; appearance:none; width:100%; height:8px; border-radius:var(--r-pill); background:var(--border); margin-top:.6rem; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance:none; appearance:none; width:26px; height:26px; border-radius:50%; background:var(--teal); border:4px solid #fff; box-shadow:var(--sh-sm); cursor:pointer; }
input[type="range"]::-moz-range-thumb { width:22px; height:22px; border-radius:50%; background:var(--teal); border:4px solid #fff; box-shadow:var(--sh-sm); cursor:pointer; }
input[type="range"]:focus-visible { outline:3px solid var(--blue); outline-offset:4px; }
.segmented { display:inline-flex; background:var(--bg-pale); border:1px solid var(--border); border-radius:var(--r-pill); padding:4px; gap:2px; flex-wrap:wrap; }
.segmented label { position:relative; }
.segmented input { position:absolute; opacity:0; width:0; height:0; }
.segmented span { display:block; padding:.5rem .95rem; border-radius:var(--r-pill); font-weight:700; font-size:var(--fs-sm); font-family:var(--font-display); color:var(--text-muted); cursor:pointer; }
.segmented input:checked + span { background:var(--teal); color:var(--navy-deep); box-shadow:var(--sh-sm); }
.segmented input:focus-visible + span { outline:3px solid var(--blue); outline-offset:2px; }
.calc-results { background:var(--grad-hero); color:#fff; border-radius:var(--r-md); padding:var(--sp-6); }
.calc-results .result-main { text-align:center; margin-bottom:var(--sp-5); }
.calc-results .result-main span { display:block; font-size:var(--fs-sm); color:#AEBBD3; letter-spacing:.04em; }
.calc-results .result-main b { font-family:var(--font-display); font-size:clamp(2.2rem,5vw,3rem); color:#fff; line-height:1.1; }
.result-rows { display:grid; gap:.1rem; }
.result-row { display:flex; justify-content:space-between; align-items:center; padding:.75rem 0; border-top:1px solid rgba(255,255,255,.12); font-size:var(--fs-sm); color:#C4D0E6; }
.result-row b { font-family:var(--font-display); color:#fff; font-size:var(--fs-md); }
.result-row.is-positive b { color:var(--teal); }
.result-row.is-negative b { color:#FCA5A5; }
.debt-row { display:grid; grid-template-columns:1.4fr 1fr 1fr 1fr auto; gap:.6rem; align-items:end; margin-bottom:var(--sp-4); }
.debt-row .field { margin:0; }
.debt-remove { border:1.5px solid var(--border); background:#fff; color:var(--danger); width:44px; height:44px; border-radius:var(--r-sm); cursor:pointer; font-size:1.2rem; line-height:1; display:grid; place-items:center; }
.debt-remove:hover { border-color:var(--danger); background:var(--danger-soft); }
.calc-note { font-size:var(--fs-xs); color:var(--text-muted); margin-top:var(--sp-4); line-height:1.6; }
.calc--hero .calc-note { color:var(--text-muted); }
.flow { display:grid; grid-template-columns:1fr auto 1fr auto 1fr; gap:var(--sp-4); align-items:center; }
.flow__group { display:grid; gap:.5rem; }
.flow__chip { background:#fff; border:1px solid var(--border); border-radius:var(--r-sm); padding:.6rem .9rem; font-size:var(--fs-sm); font-weight:600; box-shadow:var(--sh-sm); color:var(--navy); }
.flow__node { text-align:center; background:var(--grad-teal); color:#fff; border-radius:var(--r-md); padding:var(--sp-4); font-family:var(--font-display); font-weight:700; box-shadow:var(--sh-teal); }
.flow__arrow { color:var(--teal); font-size:1.6rem; text-align:center; }
.section--navy .flow__chip { background:rgba(255,255,255,.08); border-color:rgba(255,255,255,.18); color:#E8EEF9; }
.form-grid { display:grid; grid-template-columns:1fr 1fr; gap:var(--sp-5); }
.form-note { font-size:var(--fs-sm); color:var(--text-muted); }
.sr-only { position:absolute; width:1px; height:1px; padding:0; margin:-1px; overflow:hidden; clip:rect(0 0 0 0); white-space:nowrap; border:0; }
.visually-hidden { position:absolute; width:1px; height:1px; overflow:hidden; clip:rect(0 0 0 0); }
.hero-split { display:grid; grid-template-columns:1.05fr .95fr; gap:clamp(2rem,4vw,3.5rem); align-items:start; }
.page-hero .hero-split { padding-top:var(--sp-5); }
.quote-card { text-align:left; }
.quote-card__title { font-family:var(--font-display); font-size:var(--fs-lg); margin:0; color:var(--navy); }
.quote-card__intro { font-size:var(--fs-sm); color:var(--text-muted); margin:.25rem 0 1rem; }
.quote-card__note { font-size:var(--fs-xs); color:var(--text-muted); margin:.75rem 0 0; line-height:1.5; }
.quote-form .field { margin-bottom:var(--sp-4); }
.quote-form .field--check { display:block; }
.quote-form .field--check label { display:flex; gap:.6rem; align-items:flex-start; font-weight:500; font-size:var(--fs-sm); color:var(--text); line-height:1.5; cursor:pointer; }
.quote-form .field--check input { width:auto; margin-top:.2rem; flex:none; accent-color:var(--teal-dark); }
.quote-form textarea { resize:vertical; min-height:72px; }
.hp-field { position:absolute !important; left:-9999px !important; width:1px; height:1px; overflow:hidden; }
.text-center { text-align:center; }
.mt-0 { margin-top:0; } .mb-0 { margin-bottom:0 !important; }
.mt-4 { margin-top:var(--sp-4); } .mt-5 { margin-top:var(--sp-5); } .mt-6 { margin-top:var(--sp-6); }
.mb-4 { margin-bottom:var(--sp-4); } .mb-6 { margin-bottom:var(--sp-6); }
.muted { color:var(--text-muted); }
.small { font-size:var(--fs-sm); }
.xsmall { font-size:var(--fs-xs); }
.nowrap { white-space:nowrap; }
.hide { display:none !important; }
.flex { display:flex; gap:var(--sp-4); flex-wrap:wrap; align-items:center; }
.stack > * + * { margin-top:var(--sp-4); }
@media (prefers-reduced-motion: reduce) {
*, *::before, *::after { animation-duration:.001ms !important; animation-iteration-count:1 !important; transition-duration:.001ms !important; scroll-behavior:auto !important; }
}
:root {
--cyan:       #22D3EE;
--cyan-soft:  #DBF8FD;
--violet:     #7C8CF8;
--grad-teal:  linear-gradient(120deg, #10B6A4 0%, #22D3EE 55%, #3B82F6 100%);
--grad-hero:  linear-gradient(155deg, #081028 0%, #0B1630 45%, #112A54 100%);
--grad-ink:   linear-gradient(160deg, #0B1630 0%, #0E2148 100%);
--glass:      rgba(255,255,255,.72);
--glass-brd:  rgba(255,255,255,.55);
--glow-soft:  0 24px 60px -24px rgba(16,31,61,.32);
--r-md: 16px;
--r-lg: 22px;
--r-xl: 30px;
--sh-sm: 0 1px 2px rgba(16,31,61,.05), 0 2px 8px rgba(16,31,61,.06);
--sh-md: 0 6px 18px -6px rgba(16,31,61,.10), 0 16px 40px -14px rgba(16,31,61,.12);
--sh-lg: 0 18px 40px -14px rgba(16,31,61,.16), 0 44px 80px -30px rgba(16,31,61,.22);
--header-h: 80px;
}
body {
background:
radial-gradient(62% 48% at 100% -6%, rgba(34,211,238,.06), transparent 60%),
radial-gradient(52% 40% at 0% 1%, rgba(59,130,246,.05), transparent 55%),
#FBFDFF;
}
.site-header {
background: rgba(251,253,255,.72);
backdrop-filter: saturate(165%) blur(16px);
-webkit-backdrop-filter: saturate(165%) blur(16px);
border-bottom: 1px solid transparent;
border-image: linear-gradient(90deg, transparent, rgba(16,182,164,.4), rgba(59,130,246,.4), transparent) 1;
}
.brand__mark { filter: drop-shadow(0 4px 10px rgba(16,182,164,.35)); }
.nav-link:hover, .nav-item:focus-within > .nav-link { background: rgba(16,182,164,.10); color: var(--navy); }
.dropdown {
background: rgba(255,255,255,.9);
backdrop-filter: blur(14px) saturate(160%);
-webkit-backdrop-filter: blur(14px) saturate(160%);
border-color: var(--glass-brd); border-radius: 18px;
}
.eyebrow {
display: inline-flex; align-items: center; gap: .5rem;
padding: .4rem .85rem .4rem .7rem;
border-radius: var(--r-pill);
background: var(--teal-soft);
border: 1px solid rgba(16,182,164,.22);
color: var(--teal-dark);
}
.eyebrow::before {
content:""; flex:none; width:.5rem; height:.5rem; border-radius:50%;
background: var(--grad-teal); box-shadow: 0 0 8px rgba(34,211,238,.85);
}
.hero .eyebrow, .page-hero .eyebrow, .section--navy .eyebrow {
background: rgba(34,211,238,.12); border-color: rgba(34,211,238,.3); color: #86E9F4;
}
.btn-primary {
background: var(--grad-teal); color:#04221D;
box-shadow: 0 10px 24px -10px rgba(16,182,164,.65), inset 0 1px 0 rgba(255,255,255,.35);
}
.btn-primary:hover { background: var(--grad-teal); filter: brightness(1.05) saturate(1.05); color:#04221D; box-shadow: 0 16px 34px -10px rgba(34,211,238,.6), inset 0 1px 0 rgba(255,255,255,.4); }
.btn-secondary { background: rgba(255,255,255,.78); backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px); }
.btn-secondary:hover { border-color: var(--teal); box-shadow: 0 12px 26px -14px rgba(16,182,164,.55); }
.card { border-radius: var(--r-lg); border:1px solid #EAF0F7; background: linear-gradient(180deg,#ffffff,#FCFEFF); box-shadow: var(--sh-sm); }
.card--link { position: relative; }
.card--link::after {
content:""; position:absolute; inset:0; border-radius:inherit; padding:1px; pointer-events:none;
background: var(--grad-teal); opacity:0; transition: opacity .25s var(--ease);
-webkit-mask: linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0);
-webkit-mask-composite: xor; mask-composite: exclude;
}
.card--link:hover { transform: translateY(-6px); box-shadow: var(--sh-lg); border-color: transparent; }
.card--link:hover::after { opacity: 1; }
.card__icon { background: var(--grad-teal); box-shadow: 0 8px 20px -8px rgba(16,182,164,.7); }
.card__icon svg { color:#fff; }
.hero, .page-hero { background: var(--grad-hero); position: relative; overflow: hidden; isolation: isolate; }
.hero::before, .page-hero::before {
content:""; position:absolute; inset:-20%; z-index:-2; pointer-events:none; filter: blur(4px);
background:
radial-gradient(38% 42% at 82% 6%, rgba(34,211,238,.32), transparent 70%),
radial-gradient(34% 40% at 8% 94%, rgba(59,130,246,.28), transparent 70%),
radial-gradient(30% 34% at 55% 48%, rgba(124,140,248,.16), transparent 70%);
animation: aurora 22s ease-in-out infinite alternate;
}
.hero::after, .page-hero::after {
content:""; position:absolute; inset:0; z-index:-1; pointer-events:none; opacity:.55;
background-image:
linear-gradient(rgba(255,255,255,.05) 1px, transparent 1px),
linear-gradient(90deg, rgba(255,255,255,.05) 1px, transparent 1px);
background-size: 56px 56px;
-webkit-mask-image: radial-gradient(72% 70% at 50% 38%, #000 42%, transparent 100%);
mask-image: radial-gradient(72% 70% at 50% 38%, #000 42%, transparent 100%);
}
.hero .container, .page-hero .container { position: relative; z-index: 1; }
@keyframes aurora { from { transform: translate3d(-2%,-1%,0) scale(1); } to { transform: translate3d(2%,2%,0) scale(1.08); } }
input:focus, select:focus, textarea:focus { border-color: var(--cyan); box-shadow: 0 0 0 4px rgba(34,211,238,.18); }
.calc { border-radius: var(--r-lg); box-shadow: var(--glow-soft); }
.calc--hero { background: rgba(255,255,255,.97); box-shadow: 0 30px 70px -32px rgba(2,10,30,.7), 0 0 0 1px rgba(255,255,255,.4); }
.calc-results { background: var(--grad-ink); position: relative; overflow: hidden; box-shadow: inset 0 1px 0 rgba(255,255,255,.06); }
.calc-results::before { content:""; position:absolute; inset:0; pointer-events:none; background: radial-gradient(60% 80% at 100% 0%, rgba(34,211,238,.22), transparent 60%); }
.calc-results > * { position: relative; }
.step::before { background: var(--grad-teal); box-shadow: 0 10px 24px -10px rgba(34,211,238,.6); }
.flow__node { background: var(--grad-teal); box-shadow: 0 14px 30px -12px rgba(34,211,238,.6); }
.pill--teal { background: var(--cyan-soft); color: var(--teal-dark); }
.cta-band { background: var(--grad-ink); color:#EAF7FF; position: relative; overflow: hidden; box-shadow: var(--sh-lg); }
.cta-band::before { content:""; position:absolute; inset:0; pointer-events:none; background: radial-gradient(48% 120% at 50% 0%, rgba(34,211,238,.28), transparent 60%); }
.cta-band h2 { color:#fff; }
.cta-band p { color:#B9C9E6; }
.cta-band > * { position: relative; }
.related-grid a { background: linear-gradient(180deg,#fff,#FAFDFF); border-radius: var(--r-md); }
.related-grid a:hover { border-color: transparent; box-shadow: var(--sh-md); transform: translateY(-4px); }
.site-footer { position: relative; }
.site-footer::before { content:""; position:absolute; top:0; left:0; right:0; height:1px; background: linear-gradient(90deg, transparent, rgba(34,211,238,.5), rgba(59,130,246,.5), transparent); }
@supports ((-webkit-background-clip: text) or (background-clip: text)) {
.hero h1, .page-hero h1 {
background: linear-gradient(180deg,#ffffff 55%, #ABE7F1);
-webkit-background-clip: text; background-clip: text;
-webkit-text-fill-color: transparent; color: transparent;
}
.calc-results .result-main b {
background: linear-gradient(120deg,#ffffff,#9DEBF5);
-webkit-background-clip: text; background-clip: text;
-webkit-text-fill-color: transparent;
}
}
@media (prefers-reduced-motion: no-preference) {
@supports (animation-timeline: view()) {
.section .card, .section .panel, .section .section-head, .section .calc,
.section .accordion, .section .cta-band, .section .related-grid a, .section .step,
.section .table-wrap, .section .callout, .section .flow, .section .toc {
animation: reveal-up linear both;
animation-timeline: view();
animation-range: entry 2% cover 20%;
}
@keyframes reveal-up { from { opacity:0; transform: translateY(26px); } to { opacity:1; transform:none; } }
}
}
.article-card__thumb { background-color: var(--navy); background-size: cover; background-position: center; background-repeat: no-repeat; }
.article-card__thumb img { width: 100%; height: 100%; object-fit: cover; display: block; }
.article-card__thumb::after { content:""; position:absolute; inset:0; background: linear-gradient(180deg, rgba(8,16,40,0) 45%, rgba(8,16,40,.22)); }
.feature-img { display:block; width:100%; height:auto; aspect-ratio: 14 / 9; object-fit: cover; border-radius: var(--r-lg); box-shadow: var(--sh-md); }
figure.feature { margin:0; }
figure.feature figcaption { font-size: var(--fs-xs); color: var(--text-muted); margin-top:.6rem; }
.brand { gap: 0; }
.brand__logo { display: block; height: 46px; width: auto; }
.site-footer .brand__logo { height: 42px; }
@media (max-width: 560px) { .brand__logo { height: 38px; } }