:root{--ink:#153759;--text:#45566a;--gold:#f1c26d;--line:#d8e2ed;--blue:#17467a;--bg:#f7f9fc}
*{box-sizing:border-box}
html{scroll-padding-top:6rem}
body{margin:0;background:var(--bg);color:var(--text);font:17px/1.7 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline;text-underline-offset:4px}
h1,h2,h3,h4,.cl-brand,.footer .brand{font-family:'Poppins',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;color:var(--ink);line-height:1.25;margin:0 0 .6rem}
h1{font-size:clamp(2rem,4.4vw,3rem);font-weight:600}
h2{font-size:clamp(1.6rem,3vw,2.2rem);font-weight:600}
h3{font-size:1.15rem;font-weight:600}
p{margin:0 0 1rem}
.container{width:min(1120px,calc(100% - 3rem));margin:0 auto}
.eyebrow{color:#725211;font-size:.875rem;text-transform:uppercase;letter-spacing:.06em;font-weight:600;margin:0 0 .8rem}
.skip{position:absolute;left:-9999px}
.cl-header{position:sticky;top:0;z-index:50;background:#fffffffa;border-bottom:1px solid var(--line)}
.cl-header-inner{max-width:1200px;margin:auto;padding:.8rem 1.5rem;display:flex;align-items:center;gap:1.25rem}
.cl-brand{color:var(--ink);font-size:1.25rem;font-weight:700;line-height:1.3;white-space:nowrap;text-decoration:none}
.cl-brand small{display:block;font-weight:400;font-size:.75rem;color:var(--text)}
.cl-nav{display:flex;align-items:center;gap:1.3rem;margin-inline:auto}
.cl-nav a{color:var(--text);font-size:.9375rem;font-weight:600}
.cl-nav a:hover{color:var(--blue)}
.cl-button{display:inline-flex;align-items:center;justify-content:center;gap:.6rem;min-height:48px;padding:.8rem 1.2rem;background:var(--blue);color:#fff;border:1px solid transparent;border-radius:8px;font:inherit;font-size:1rem;font-weight:600;text-align:center;text-decoration:none;cursor:pointer}
.cl-button:hover{background:#103252;text-decoration:none}
.cl-button-gold{background:var(--gold);color:#132f50}
.cl-button-gold:hover{background:#ffdaa0}
.cl-button-ghost{background:transparent;color:#fff;border-color:#ffffff66}
.cl-button-ghost:hover{background:#ffffff1a}
.cl-header-cta{min-height:44px;font-size:.875rem;padding:.6rem .9rem;margin-left:auto}
.cl-menu-btn{display:none;flex:0 0 44px;height:44px;align-items:center;justify-content:center;border:1px solid var(--line);border-radius:8px;background:#fff;color:var(--ink);font-size:1.2rem;cursor:pointer}
#nav-toggle{display:none}
.cl-mobile{display:none;padding:.4rem 1.5rem 1.1rem;border-top:1px solid var(--line)}
.cl-mobile a{display:block;padding:.7rem 0;color:var(--ink);font-size:1rem}
#nav-toggle:checked ~ .cl-mobile{display:block}
.hero{background:linear-gradient(105deg,#102c49 0%,#17467a 55%,#1d5c94 100%);padding:4.5rem 0;color:#edf3fb}
.hero .eyebrow{color:#f3cc82}
.hero h1{color:#fff;max-width:850px}
.hero p.copy{color:#e6eef8;font-size:1.125rem;max-width:680px;margin:1.1rem 0 1.6rem}
.hero .note{color:#dbe6f3;font-size:.875rem;margin:1rem 0 0}
.hero-actions{display:flex;gap:.8rem;flex-wrap:wrap}
.section{padding:3.5rem 0}
.section.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-head{max-width:680px;margin-bottom:1.6rem}
.grid{display:grid;gap:1rem}
.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}
.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.card{display:flex;flex-direction:column;gap:.6rem;padding:1.5rem;border:1px solid var(--line);border-radius:12px;background:#fff;color:var(--text)}
.card:hover{border-color:#7291b1;background:#f4f7fb}
.card h3{margin:0}
.card p{margin:0;font-size:.95rem}
.card .more{color:var(--blue);font-size:.875rem;font-weight:600;margin-top:auto}
.num{color:#725211;font-size:.875rem;font-weight:600}
.steps{list-style:none;margin:1.2rem 0 0;padding:0;display:grid;gap:1.2rem}
.steps li{display:flex;gap:1rem;align-items:flex-start}
.steps .bubble{display:flex;align-items:center;justify-content:center;flex:0 0 34px;height:34px;border-radius:50%;background:#e0e9f3;color:var(--ink);font-weight:600}
.steps h3{margin:0 0 .3rem}
.steps p{margin:0}
.cta-band{background:#102c49;color:#dce6f1;padding:3rem 0}
.cta-band h2{color:#fff}
.cta-band p{max-width:640px}
.footer{background:#102c49;color:#dce6f1;padding:3rem 0 1.5rem}
.footer-grid{display:grid;grid-template-columns:minmax(0,1.5fr) repeat(2,minmax(0,1fr));gap:2.5rem}
.footer h2{color:#fff;font-size:1rem;font-weight:600;margin:0 0 .8rem}
.footer a{color:#dce6f1}
.footer a:hover{color:#fff}
.footer nav{display:flex;flex-direction:column;gap:.7rem}
.footer .brand{color:#fff;font-size:1.15rem;font-weight:700}
.footer p{font-size:.9375rem;max-width:440px}
.footer .note{grid-column:1/-1;border-top:1px solid #45617d;padding-top:1.2rem;font-size:.875rem;max-width:none;margin:0}
.crumbs{font-size:.875rem;color:var(--text);margin-bottom:1rem}
.badge{display:inline-block;font-size:.75rem;border:1px solid var(--line);border-radius:999px;padding:2px 10px;color:var(--text);background:#fff;margin-right:6px}
.badge.gold{border-color:#d9b571;background:#fff8e6;color:#725211}
.notice{border:1px solid #d9b571;background:#fff8e6;padding:12px 16px;border-radius:10px;font-size:.9rem;margin:1.2rem 0}
.notice.red{border-color:#c0392b;background:#fdf1ef;color:#8b2a20}
.article-head{border-bottom:1px solid var(--line);padding:2.4rem 0 1.4rem;background:#fff}
.article-body{background:#fff;padding:2rem 0 3rem}
.article-body .prose{max-width:760px}
.prose h2{margin-top:2.2rem}
.prose h3{margin-top:1.6rem}
.prose ul,.prose ol{padding-left:1.3rem}
.prose li{margin:.35rem 0}
.prose blockquote{border-left:3px solid var(--gold);margin:1.2rem 0;padding:.4rem 1rem;background:#fbf8f1;color:var(--ink)}
.prose table{border-collapse:collapse;width:100%;font-size:.95rem}
.prose th,.prose td{border:1px solid var(--line);padding:6px 10px;text-align:left}
.search-input{width:100%;font-size:1rem;padding:.9rem 1rem;border:1px solid var(--line);border-radius:10px;background:#fff}
.lead-form{display:grid;gap:1rem;max-width:760px;margin-top:1.2rem}
.lead-form label{display:block;font-size:.9rem;font-weight:600;color:var(--ink);margin-bottom:.3rem}
.lead-form input,.lead-form select,.lead-form textarea{width:100%;padding:.75rem .9rem;border:1px solid var(--line);border-radius:8px;font:inherit;background:#fff;color:var(--text)}
.lead-form input:focus,.lead-form select:focus,.lead-form textarea:focus{outline:2px solid var(--blue);outline-offset:1px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.form-note{font-size:.8rem;color:var(--text);margin:0}
@media(max-width:680px){.form-row{grid-template-columns:1fr}}
.result{border-bottom:1px solid var(--line);padding:1rem 0}
.result h3{margin:0 0 .3rem}
.result p{margin:0;font-size:.9rem}
.meta{color:var(--text);font-size:.875rem}
.sources{font-size:.9rem;word-break:break-word}
@media(max-width:1050px){.cl-nav{display:none}.cl-menu-btn{display:flex}.grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}.grid-3{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:680px){.container{width:calc(100% - 2rem)}.hero{padding:2.6rem 0}.grid-4,.grid-3,.grid-2{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr}.cl-header-inner{padding:.65rem 1rem}.cl-header-cta{display:none}}