*{box-sizing:border-box}:root{--n:#0b2346;--g:#129a57;--i:#13213a;--m:#58677c;--l:#dce5ed;--s:#f5f9fc;--max:1160px;--read:760px}body{margin:0;font-family:Inter,system-ui,sans-serif;color:var(--i);line-height:1.72}a{color:#195e9c}img{max-width:100%}.wrap{width:min(calc(100% - 40px),var(--max));margin:auto}.header{border-bottom:1px solid var(--l);background:#fff;position:sticky;top:0;z-index:30}.nav{height:76px;display:flex;align-items:center;gap:22px}.logo img{width:285px;display:block}.links{display:flex;align-items:center;gap:20px;margin-left:auto}.links a{text-decoration:none;color:var(--n);font-weight:650;font-size:.91rem;white-space:nowrap}.cta{background:var(--g)!important;color:#fff!important;padding:11px 18px;text-decoration:none;border-radius:6px;font-weight:800!important}.menu{display:none;margin-left:auto;border:0;background:none;font-size:1.7rem}.hero{background:linear-gradient(110deg,#f8fbfe,#fff 58%,#edf8f4);padding:72px 0}.hero-grid{display:grid;grid-template-columns:1.02fr .98fr;gap:48px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:.15em;font-size:.76rem;font-weight:850;color:var(--g)}h1{font-size:clamp(2.5rem,5vw,4.35rem);line-height:1.03;letter-spacing:-.05em;margin:.2em 0}.hero p,.article-hero p{font-size:1.14rem;color:var(--m)}.actions{display:flex;gap:14px;margin-top:25px}.secondary{padding:10px 0;font-weight:700}.hero-img{border:1px solid var(--l);box-shadow:0 20px 55px #0a234620}.disclosure{font-size:.9rem;background:#f3f7f9;border-left:3px solid var(--g);padding:11px 14px;color:#5a6878;margin:22px 0}section{padding:64px 0}.section-head{max-width:780px}.section-head h2,.article h2{font-size:clamp(1.8rem,3vw,2.5rem);line-height:1.15;letter-spacing:-.035em}.grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--l);border-left:1px solid var(--l);margin-top:28px}.cell{padding:25px;border-right:1px solid var(--l);border-bottom:1px solid var(--l)}.cell h3{margin:0 0 7px}.cell p{margin:0;color:var(--m)}.dark{background:var(--n);color:#fff}.dark p{color:#c9d4df}.path{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.path div{border-top:3px solid #36c77d;padding-top:14px}.article-hero{background:var(--s);border-bottom:1px solid var(--l);padding:56px 0}.article-hero h1{max-width:920px}.breadcrumbs{font-size:.88rem;color:#68778a}.article{padding:54px 0}.read{width:min(100%,var(--read))}.article h2{margin-top:2em}.article p,.article li{font-size:1.04rem}.decision{background:var(--n);color:#fff;padding:28px;margin:34px 0}.decision p{color:#d4deea}.footer{background:#08182d;color:#c6d1dd;padding:42px 0}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:35px}.footer .logo img{filter:brightness(0) invert(1);width:250px}.footer a{color:#e1e9f1;text-decoration:none}.footer small{display:block;margin-top:25px;color:#8fa0b3}.exit{position:fixed;inset:0;background:#040c18b8;display:none;align-items:center;justify-content:center;z-index:100;padding:20px}.exit.open{display:flex}.exit-box{background:#fff;width:min(560px,100%);padding:34px;position:relative}.close{position:absolute;right:12px;top:8px;border:0;background:none;font-size:1.7rem}@media(max-width:920px){.links{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;padding:20px;flex-direction:column;align-items:flex-start}.links.open{display:flex}.menu{display:block}.hero-grid{grid-template-columns:1fr}.grid{grid-template-columns:1fr 1fr}.path{grid-template-columns:1fr 1fr}.logo img{width:235px}}@media(max-width:600px){.wrap{width:min(calc(100% - 28px),var(--max))}.grid,.path,.footer-grid{grid-template-columns:1fr}.actions{flex-direction:column}.logo img{width:195px}}.answer-box{background:#eef8f3;border-left:4px solid var(--g);padding:20px 22px;margin:24px 0}.answer-box strong{display:block;color:var(--n);margin-bottom:5px}.evidence{border-top:1px solid var(--l);margin-top:38px;padding-top:24px}.evidence li{margin:.5em 0}.method{background:var(--s);padding:20px 22px;margin:30px 0}.faq-item{border-top:1px solid var(--l);padding:18px 0}.faq-item h3{margin:0 0 6px}.faq-item p{margin:0}
.hero-grid{grid-template-columns:minmax(0,1.02fr) minmax(420px,.98fr);gap:34px;align-items:center}
.hero .wrap{max-width:1220px}
.hero h1{max-width:700px}
.hero p{max-width:650px}
.hero-journey{background:#fff;border:1px solid var(--line);padding:24px;box-shadow:0 18px 45px rgba(11,35,70,.10)}
.journey-kicker{font-weight:800;color:var(--navy);font-size:1.05rem;margin-bottom:18px}
.journey-flow{display:flex;align-items:flex-start;gap:9px;justify-content:space-between}
.journey-step{flex:1;text-align:center;min-width:0}
.journey-step strong{display:block;color:var(--navy);font-size:.9rem;line-height:1.25;margin-top:7px}
.journey-step small{display:block;color:var(--muted);font-size:.73rem;line-height:1.35;margin-top:4px}
.journey-icon{display:grid;place-items:center;width:54px;height:54px;border-radius:50%;margin:0 auto;background:#eef8f3;color:var(--green);font-weight:850;font-size:1.15rem;border:1px solid #d7eadf}
.journey-arrow{color:#8db9a0;font-size:1.4rem;margin-top:13px}
.journey-panel{display:grid;grid-template-columns:1fr 1fr;gap:0;margin-top:22px;border-top:1px solid var(--line);border-left:1px solid var(--line)}
.journey-panel>div{padding:16px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}
.journey-panel span{display:inline-grid;place-items:center;width:24px;height:24px;border-radius:50%;background:var(--green);color:#fff;font-size:.75rem;font-weight:800;margin-right:6px}
.journey-panel b{color:var(--navy)}
.journey-panel p{margin:.45em 0 0;color:var(--muted);font-size:.82rem;line-height:1.45}
@media(max-width:920px){
  .hero-grid{grid-template-columns:1fr;gap:28px}
}
@media(max-width:600px){
  .journey-flow{display:grid;grid-template-columns:1fr 1fr;gap:14px}
  .journey-arrow{display:none}
  .journey-panel{grid-template-columns:1fr}
}