:root{
  --navy:#0b2d3f;--navy-2:#123f52;--teal:#176b60;--teal-dark:#0f544c;--sage:#92ad98;
  --ivory:#f5f1e8;--sand:#e7ddce;--paper:#fbfaf7;--white:#fff;--slate:#33454d;--muted:#66747a;
  --line:#d8ddd9;--line-dark:#bfc8c4;--soft:#eef3ef;--warning:#7c5a21;--danger:#7c3d32;
  --max:1180px;--article:860px;--r:.2rem;--shadow:0 18px 48px rgba(11,45,63,.08);
}
*{box-sizing:border-box}html{scroll-behavior:smooth;color-scheme:light}body{margin:0;background:var(--paper);color:var(--navy);font-family:Arial,"Helvetica Neue",Helvetica,sans-serif;line-height:1.58;text-rendering:optimizeLegibility}img{max-width:100%;display:block}a{color:var(--teal-dark);text-underline-offset:.18em}button,input,select,textarea{font:inherit}.shell{width:min(var(--max),calc(100% - 48px));margin-inline:auto}.content-shell{width:min(var(--article),calc(100% - 48px));margin-inline:auto}.skip-link{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:.8rem 1rem;z-index:999}.skip-link:focus{left:1rem;top:1rem}.eyebrow{font-size:.73rem;font-weight:800;text-transform:uppercase;letter-spacing:.13em;color:var(--teal);margin:0 0 .85rem}.muted{color:var(--muted)}.fine{font-size:.82rem;color:var(--muted)}
.site-header{position:sticky;top:0;z-index:80;background:rgba(251,250,247,.97);border-bottom:1px solid var(--line);backdrop-filter:saturate(130%) blur(8px)}.site-header__inner{min-height:78px;display:flex;align-items:center;gap:28px}.brand{display:flex;align-items:center;text-decoration:none;flex:0 0 auto}.brand img{width:224px;height:auto}.main-nav{display:flex;align-items:center;gap:23px;margin-left:auto}.main-nav a{font-size:.91rem;font-weight:700;text-decoration:none;color:var(--navy);padding:.45rem 0;border-bottom:2px solid transparent}.main-nav a:hover,.main-nav a:focus-visible{color:var(--teal);border-bottom-color:var(--sage)}.header-cta{display:inline-flex!important;align-items:center;justify-content:center;background:var(--teal);color:#fff!important;border:1px solid var(--teal);padding:.72rem 1rem!important;border-bottom:1px solid var(--teal)!important}.header-cta:hover{background:var(--teal-dark)!important}.menu-toggle{display:none;margin-left:auto;border:1px solid var(--line-dark);background:#fff;color:var(--navy);padding:.58rem .7rem;border-radius:var(--r);font-weight:800}
.site-notice{background:var(--navy);color:#dce7e9;font-size:.78rem}.site-notice .shell{min-height:34px;display:flex;align-items:center;justify-content:center;text-align:center}.site-notice strong{color:#fff}
.hero-home{background:var(--ivory);border-bottom:1px solid var(--line)}.hero-home__grid{display:grid;grid-template-columns:minmax(0,1.07fr) minmax(410px,.93fr);min-height:520px}.hero-home__copy{padding:56px 50px 48px 0;align-self:center}.hero-home h1,.article-hero h1,.platform-title{font-family:Georgia,"Times New Roman",serif;letter-spacing:-.035em;line-height:1.02}.hero-home h1{font-size:clamp(2.65rem,4.65vw,4.7rem);max-width:760px;margin:0}.hero-home__lead{font-size:1.14rem;color:var(--slate);max-width:720px;margin:20px 0 0}.hero-home__text{max-width:690px;color:var(--muted);font-size:.98rem;margin:15px 0 0}.hero-home__actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:25px}.hero-home__media{position:relative;min-height:100%;overflow:hidden;background:#d9ded8}.hero-home__media img{width:100%;height:100%;object-fit:cover;object-position:center}.hero-home__media:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(245,241,232,.32),transparent 32%);pointer-events:none}.hero-home__caption{position:absolute;z-index:2;right:24px;bottom:24px;max-width:250px;background:rgba(255,255,255,.94);border-top:3px solid var(--teal);padding:15px 17px;color:var(--navy);font-size:.82rem;box-shadow:0 10px 30px rgba(11,45,63,.12)}.hero-home__caption strong{display:block;margin-bottom:3px}.btn{appearance:none;display:inline-flex;align-items:center;justify-content:center;gap:.5rem;background:var(--teal);border:1px solid var(--teal);border-radius:var(--r);color:#fff;text-decoration:none;font-weight:800;padding:.8rem 1.05rem;cursor:pointer;transition:background .15s,border-color .15s,transform .15s}.btn:hover,.btn:focus-visible{background:var(--teal-dark);border-color:var(--teal-dark);transform:translateY(-1px)}.btn--secondary,.btn--ghost{background:transparent;color:var(--navy);border-color:var(--line-dark)}.btn--secondary:hover,.btn--ghost:hover{background:#fff;color:var(--navy);border-color:var(--navy)}
.trust-band{background:#fff;border-bottom:1px solid var(--line)}.trust-band__grid{display:grid;grid-template-columns:repeat(4,1fr)}.trust-point{display:grid;grid-template-columns:34px 1fr;gap:12px;padding:22px 22px;border-right:1px solid var(--line);align-items:start}.trust-point:first-child{padding-left:0}.trust-point:last-child{border-right:0}.trust-point img{width:25px;height:25px;filter:none}.trust-point strong{display:block;font-size:.9rem}.trust-point span{display:block;color:var(--muted);font-size:.78rem;margin-top:2px}
.section{padding:76px 0}.section--tight{padding:54px 0}.section--white{background:#fff}.section--ivory{background:var(--ivory)}.section--navy{background:var(--navy);color:#fff}.section-head{display:grid;grid-template-columns:minmax(0,.8fr) minmax(360px,.6fr);gap:80px;align-items:end;margin-bottom:34px}.section-head h2,.trust h2{font-family:Georgia,"Times New Roman",serif;font-size:clamp(2rem,3.2vw,3.1rem);line-height:1.05;letter-spacing:-.025em;margin:0}.section-head p{color:var(--muted);margin:0}.section--navy .section-head p{color:#d0dcdf}.platform-grid{display:grid;grid-template-columns:1.05fr .95fr;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.platform-feature{padding:30px 28px;border-right:1px solid var(--line)}.platform-feature:last-child{border-right:0}.platform-feature__icon{width:44px;height:44px;display:grid;place-items:center;background:var(--soft);margin-bottom:22px}.platform-feature__icon img{width:24px}.platform-feature h3{font-family:Georgia,"Times New Roman",serif;font-size:1.45rem;margin:0 0 9px}.platform-feature p{color:var(--muted);margin:0}.platform-feature a{display:inline-block;font-weight:800;margin-top:17px;text-decoration:none}.cluster-rail{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line);}.cluster-link{min-height:220px;padding:27px 26px;background:#fff;text-decoration:none;color:var(--navy);transition:background .15s}.cluster-link:hover{background:var(--soft)}.cluster-link img{width:31px;height:31px;margin-bottom:30px}.cluster-link strong{font-family:Georgia,"Times New Roman",serif;font-size:1.35rem;display:block}.cluster-link span{display:block;margin-top:8px;color:var(--muted);font-size:.88rem}.cluster-link em{display:block;margin-top:18px;font-style:normal;font-weight:800;color:var(--teal-dark);font-size:.84rem}.editorial-split{display:grid;grid-template-columns:1.1fr .9fr;gap:72px;align-items:center}.editorial-split__visual{min-height:370px;background:var(--ivory) url('/img/brand-texture.webp') center/cover no-repeat;border-top:1px solid var(--line);border-bottom:1px solid var(--line);display:grid;align-content:end;padding:36px}.editorial-split__visual blockquote{margin:0;max-width:470px;font-family:Georgia,"Times New Roman",serif;font-size:1.55rem;line-height:1.3}.editorial-split__copy h2{font-family:Georgia,"Times New Roman",serif;font-size:2.7rem;line-height:1.05;margin:0 0 18px}.editorial-split__copy p{color:var(--muted)}.check-list{list-style:none;padding:0;margin:25px 0 0}.check-list li{position:relative;padding:12px 0 12px 34px;border-top:1px solid var(--line)}.check-list li:before{content:"✓";position:absolute;left:0;top:11px;color:var(--teal);font-weight:900}
.faq-list{border-top:1px solid var(--line)}.faq-item{border-bottom:1px solid var(--line)}.faq-item details{padding:0}.faq-item summary{cursor:pointer;list-style:none;font-weight:800;padding:18px 36px 18px 0;position:relative}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";position:absolute;right:4px;top:15px;font-size:1.3rem;color:var(--teal)}.faq-item details[open] summary:after{content:"−"}.faq-item p{margin:0;padding:0 0 20px;color:var(--muted);max-width:850px}
.article-hero{background:var(--ivory);border-bottom:1px solid var(--line);padding:54px 0 48px}.article-hero .breadcrumbs{font-size:.78rem;color:var(--muted);margin-bottom:18px}.breadcrumbs a{color:var(--teal-dark)}.article-hero h1{font-size:clamp(2.25rem,4.6vw,4.5rem);max-width:900px;margin:0}.article-hero p{max-width:790px;font-size:1.08rem;color:var(--slate);margin:20px 0 0}.article-wrap{padding:40px 0 78px}.article{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:clamp(28px,5vw,58px);box-shadow:0 12px 36px rgba(11,45,63,.04)}.article h2{font-family:Georgia,"Times New Roman",serif;font-size:1.9rem;line-height:1.2;margin:42px 0 13px;color:var(--navy)}.article h2:first-child{margin-top:0}.article h3{font-size:1.08rem;margin:28px 0 8px}.article p,.article li{color:var(--slate)}.article a{font-weight:650}.fact-strip{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin:0 0 34px}.fact-strip>div{padding:17px 18px;border-right:1px solid var(--line)}.fact-strip>div:last-child{border-right:0}.fact-strip strong,.fact-strip span{display:block}.fact-strip strong{font-family:Georgia,"Times New Roman",serif;font-size:1.45rem}.fact-strip span{color:var(--muted);font-size:.78rem}.cta-tool{background:var(--ivory);border-top:3px solid var(--teal);padding:24px 25px;margin:38px 0}.cta-tool h2{margin:0 0 7px!important}.cta-tool p{margin:0}.cta-tool a{display:inline-flex;margin-top:15px;background:var(--teal);color:#fff;text-decoration:none;font-weight:800;padding:11px 15px;border-radius:var(--r)}.sources{border-top:1px solid var(--line);margin-top:40px;padding-top:20px;font-size:.82rem;color:var(--muted)}.sources li+li{margin-top:6px}.related{display:grid;grid-template-columns:repeat(2,1fr);border-top:1px solid var(--line);}.related a{padding:14px 15px;background:#fff;text-decoration:none;color:var(--navy);font-weight:800}.related a:hover{background:var(--soft)}
.legal-card{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:clamp(28px,5vw,58px);margin:38px auto 72px}.legal-card h2{font-family:Georgia,"Times New Roman",serif;font-size:1.85rem;margin:38px 0 12px}.legal-card h2:first-child{margin-top:0}.legal-card h3{font-size:1rem;margin:25px 0 8px}.legal-card p,.legal-card li{color:var(--slate)}.legal-table{width:100%;border-collapse:collapse;margin:18px 0 30px;font-size:.9rem}.legal-table th,.legal-table td{text-align:left;vertical-align:top;border-bottom:1px solid var(--line);padding:12px 10px}.legal-table th{width:26%;color:var(--navy)}
.footer{background:var(--navy);color:#cbd9dd;padding:38px 0 20px}.footer-grid{display:grid;grid-template-columns:1.2fr repeat(3,1fr);gap:34px}.footer-brand img{width:auto;height:50px;max-width:220px;background:transparent;padding:0;object-fit:contain;object-position:left center}.footer p{font-size:.84rem;color:#cbd9dd}.footer h2{font-family:inherit;font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;color:#fff;margin:0 0 14px}.footer a{display:block;color:#e3ecee;text-decoration:none;font-size:.85rem;margin:8px 0}.footer a:hover{text-decoration:underline}.footer-bottom{margin-top:26px;padding-top:17px;border-top:1px solid rgba(255,255,255,.15);display:flex;justify-content:space-between;gap:20px;font-size:.75rem;color:#9fb3ba}.footer-bottom a{display:inline;margin:0;color:#cbd9dd}.mobile-cta{display:none}
.consent{position:fixed;z-index:120;left:20px;right:20px;bottom:20px;margin:auto;max-width:760px;background:#fff;border:1px solid var(--line-dark);box-shadow:0 24px 60px rgba(11,45,63,.18);padding:20px}.consent[hidden]{display:none}.consent h2{font-family:Georgia,"Times New Roman",serif;font-size:1.35rem;margin:0 0 7px}.consent p{font-size:.86rem;color:var(--muted);margin:0}.consent__actions{display:flex;gap:8px;flex-wrap:wrap;margin-top:15px}.consent__settings{border-top:1px solid var(--line);margin-top:16px;padding-top:14px}.consent__settings label{display:flex;align-items:center;gap:10px;font-weight:700;font-size:.88rem}.cookie-link{appearance:none;border:0;background:transparent;color:inherit;text-decoration:underline;cursor:pointer;padding:0;font:inherit}
@media(max-width:1000px){.main-nav{gap:15px}.main-nav a{font-size:.83rem}.header-cta{display:none!important}.hero-home__grid{grid-template-columns:1fr 42%}.hero-home__copy{padding-right:38px}.trust-band__grid{grid-template-columns:repeat(2,1fr)}.trust-point:nth-child(2){border-right:0}.trust-point:nth-child(-n+2){border-bottom:1px solid var(--line)}.section-head{grid-template-columns:1fr;gap:18px}.cluster-rail{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1.25fr 1fr 1fr}.footer-grid>div:last-child{grid-column:2/4}.editorial-split{gap:42px}}
@media(max-width:780px){.shell,.content-shell{width:min(100% - 28px,var(--max))}.site-header__inner{min-height:68px}.brand img{width:185px}.menu-toggle{display:block}.main-nav{position:absolute;left:0;right:0;top:68px;background:#fff;border-bottom:1px solid var(--line);display:none;align-items:stretch;flex-direction:column;gap:0;padding:10px 14px 16px}.main-nav.is-open{display:flex}.main-nav a{padding:12px 4px;border-bottom:1px solid var(--line)}.hero-home__grid{grid-template-columns:1fr}.hero-home__copy{padding:44px 0 32px}.hero-home h1{font-size:clamp(2.45rem,12vw,4rem)}.hero-home__media{min-height:350px}.hero-home__media img{object-position:center}.trust-band__grid{grid-template-columns:1fr 1fr}.section{padding:58px 0}.platform-grid,.editorial-split{grid-template-columns:1fr}.platform-feature{border-right:0;border-bottom:1px solid var(--line);padding:24px 0}.cluster-rail{grid-template-columns:1fr}.editorial-split__visual{min-height:300px}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:last-child{grid-column:auto}.fact-strip{grid-template-columns:1fr}.fact-strip>div{border-right:0;border-bottom:1px solid var(--line)}.related{grid-template-columns:1fr}.has-mobile-cta{padding-bottom:72px}.mobile-cta{display:flex;position:fixed;z-index:70;left:12px;right:12px;bottom:12px;background:var(--teal);color:#fff;text-decoration:none;align-items:center;justify-content:center;padding:13px 16px;font-weight:900;border:1px solid var(--teal-dark);box-shadow:0 14px 34px rgba(11,45,63,.24)}.article-hero{padding:42px 0 36px}.article{padding:25px 20px}.legal-table th,.legal-table td{display:block;width:100%;padding:9px 0}.legal-table th{border-bottom:0;padding-bottom:0}.footer-bottom{display:block}.footer-bottom>div+div{margin-top:8px}}
@media(max-width:520px){.trust-band__grid,.footer-grid{grid-template-columns:1fr}.trust-point{border-right:0!important;border-bottom:1px solid var(--line)!important;padding-left:0}.trust-point:last-child{border-bottom:0!important}.hero-home__media{min-height:330px}.hero-home__caption{left:14px;right:14px;bottom:14px;max-width:none}.hero-home__actions .btn{width:100%}.section-head{margin-bottom:24px}.consent{left:10px;right:10px;bottom:10px;padding:16px}.consent__actions .btn{flex:1 1 100%}}
@media(max-width:520px){.footer-brand img{height:44px;max-width:195px}}
@media print{.site-header,.site-notice,.footer,.mobile-cta,.consent,.hero-home__actions,.wizard__actions{display:none!important}body{background:#fff}.article,.legal-card{box-shadow:none;border:0}.shell,.content-shell{width:100%}}
.platform-grid--visual{grid-template-columns:repeat(2,minmax(0,1fr))}.platform-feature--visual{padding:0;border-right:1px solid var(--line);border-bottom:1px solid var(--line);overflow:hidden}.platform-feature--visual:nth-child(2n){border-right:0}.platform-feature--visual:nth-child(n+3){border-bottom:0}.platform-feature__media{display:block;width:100%;height:210px;object-fit:cover;border-bottom:1px solid var(--line)}.platform-feature__body{padding:25px 28px 28px}.platform-feature--visual h3{margin-top:0}.platform-feature--visual p{min-height:3.2em}@media(max-width:760px){.platform-grid--visual{grid-template-columns:1fr}.platform-feature--visual,.platform-feature--visual:nth-child(2n),.platform-feature--visual:nth-child(n+3){border-right:0;border-bottom:1px solid var(--line)}.platform-feature--visual:last-child{border-bottom:0}.platform-feature__media{height:180px}.platform-feature__body{padding:20px 0 26px}}