:root{--navy-900:#0b2238;--navy-800:#0f2e4c;--navy-700:#16456f;--navy-600:#1d5786;--navy-100:#dbe6f0;--navy-50:#eef3f8;--cta:#c2410c;--cta-dark:#9a3412;--cta-50:#fff3ec;--ink:#13202b;--muted:#4c5b6b;--line:#dfe6ee;--bg:#fff;--bg-alt:#f6f9fc;--ok:#146c49;--warn:#8a5200;--shadow-sm:0 1px 2px rgba(11,34,56,.06),0 1px 3px rgba(11,34,56,.1);--shadow-md:0 4px 6px -1px rgba(11,34,56,.08),0 10px 20px -5px rgba(11,34,56,.12);--r:10px;--r-lg:16px;--wrap:1140px;--wrap-narrow:760px;--sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;--step--1:clamp(.875rem,.85rem + .1vw,.9375rem);--step-0:clamp(1rem,.97rem + .15vw,1.0625rem);--step-1:clamp(1.125rem,1.08rem + .25vw,1.25rem);--step-2:clamp(1.3rem,1.2rem + .5vw,1.5rem);--step-3:clamp(1.5rem,1.33rem + .85vw,1.9rem);--step-4:clamp(1.8rem,1.5rem + 1.5vw,2.5rem);--step-5:clamp(2.05rem,1.6rem + 2.3vw,3.1rem)}*,*::before,*::after{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation-duration:.01ms!important;transition-duration:.01ms!important}}body{margin:0;background:var(--bg);color:var(--ink);font:400 var(--step-0)/1.65 var(--sans);text-rendering:optimizeLegibility;-webkit-font-smoothing:antialiased}img,svg{max-width:100%;height:auto}h1,h2,h3,h4{line-height:1.22;margin:0 0 .5em;color:var(--navy-900);letter-spacing:-.015em;font-weight:700}h1{font-size:var(--step-5);letter-spacing:-.025em}h2{font-size:var(--step-4);margin-top:0}h3{font-size:var(--step-2)}h4{font-size:var(--step-1)}p,ul,ol,table,dl{margin:0 0 1.1em}li{margin-bottom:.4em}a{color:var(--navy-700);text-underline-offset:3px;text-decoration-thickness:1px}a:hover{color:var(--cta-dark)}strong{font-weight:650;color:var(--navy-900)}:focus-visible{outline:3px solid var(--cta);outline-offset:2px;border-radius:4px}hr{border:0;border-top:1px solid var(--line);margin:2.5rem 0}.wrap{width:100%;max-width:var(--wrap);margin-inline:auto;padding-inline:clamp(1rem,4vw,2rem)}.narrow{max-width:var(--wrap-narrow)}.section{padding-block:clamp(2.5rem,6vw,4.5rem)}.section--tight{padding-block:clamp(1.75rem,4vw,2.75rem)}.section--alt{background:var(--bg-alt);border-block:1px solid var(--line)}.section--navy{background:var(--navy-800);color:#eaf1f8}.section--navy h2,.section--navy h3,.section--navy h4,.section--navy strong{color:#fff}.section--navy a:not(.btn){color:#ffd9c2}.section--navy .btn-call{color:#fff}.section--navy .btn-ghost{color:var(--navy-800)}.section--navy p{color:#cfdced}.section--navy li{color:#dce7f1}.section--navy .checks li::before{border-color:#6ee7b7}.skip{position:absolute;left:-9999px}.skip:focus{left:.5rem;top:.5rem;z-index:99;background:#fff;padding:.7rem 1rem;border-radius:var(--r);box-shadow:var(--shadow-md)}.eyebrow{display:inline-block;font-size:var(--step--1);font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--cta-dark);margin-bottom:.6rem}.section--navy .eyebrow{color:#ffb98f}.lede{font-size:var(--step-1);color:var(--muted);max-width:62ch}.section--navy .lede{color:#cfdced}.measure{max-width:70ch}.site-header{position:sticky;top:0;z-index:40;background:#fff;border-bottom:1px solid var(--line)}.hdr{display:flex;align-items:center;gap:1rem;min-height:68px}.logo{display:flex;align-items:center;gap:.6rem;text-decoration:none;color:var(--navy-900);font-weight:750;font-size:var(--step--1);line-height:1.15;flex:0 0 auto}.logo svg{flex:0 0 auto}.logo span{display:block;max-width:12ch}.logo b{display:block;font-size:1.02em}.logo i{display:block;font-style:normal;font-weight:500;color:var(--muted);font-size:.82em;letter-spacing:.02em}.nav{margin-left:auto;display:flex;align-items:center;gap:.25rem}.nav a{padding:.55rem .6rem;border-radius:var(--r);text-decoration:none;color:var(--navy-800);font-size:var(--step--1);font-weight:600;white-space:nowrap}.nav a:hover{background:var(--navy-50);color:var(--navy-900)}.nav a[aria-current=page]{color:var(--cta-dark);background:var(--cta-50)}.hdr .btn{margin-left:.35rem}.nav-toggle{display:none;margin-left:auto;align-items:center;gap:.45rem;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:.55rem .7rem;font:650 var(--step--1) var(--sans);color:var(--navy-800);cursor:pointer}#mobile-nav{display:none}.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;padding:.8rem 1.25rem;border-radius:var(--r);font:700 var(--step-0)/1.2 var(--sans);text-decoration:none;border:2px solid transparent;cursor:pointer;transition:background .15s,color .15s,border-color .15s}.btn-call{background:var(--cta);color:#fff;box-shadow:var(--shadow-sm)}.btn-call:hover{background:var(--cta-dark);color:#fff}.btn-navy{background:var(--navy-800);color:#fff}.btn-navy:hover{background:var(--navy-900);color:#fff}.btn-ghost{background:#fff;color:var(--navy-800);border-color:var(--navy-100)}.btn-ghost:hover{border-color:var(--navy-700);background:var(--navy-50);color:var(--navy-900)}.btn-lg{padding:1rem 1.6rem;font-size:var(--step-1)}.btn-block{width:100%}.btn svg{flex:0 0 auto}.cta-row{display:flex;flex-wrap:wrap;gap:.75rem;align-items:center;margin:1.5rem 0 0}.cta-note{font-size:var(--step--1);color:var(--muted);margin:.85rem 0 0}.section--navy .cta-note,.hero .cta-note{color:#b7cce0}.hero{background:linear-gradient(170deg,var(--navy-900) 0%,var(--navy-700) 58%,var(--navy-600) 100%);color:#fff;padding-block:clamp(2.25rem,6vw,4rem)}.hero h1,.hero h2,.hero h3,.hero strong{color:#fff}.hero h1{max-width:20ch}.hero li{color:#dce7f1}.hero .lede{color:#d3e1ee;font-size:var(--step-1)}.hero .eyebrow{color:#ffb98f}.hero-grid{display:grid;gap:clamp(1.5rem,4vw,3rem);align-items:center}.hero-art{display:none}.trust-strip{display:flex;flex-wrap:wrap;gap:.5rem .75rem;margin:1.5rem 0 0;padding:0;list-style:none}.trust-strip li{display:flex;align-items:center;gap:.4rem;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);border-radius:999px;padding:.35rem .8rem;font-size:var(--step--1);color:#e4eef7;font-weight:600;margin:0}.trust-strip svg{flex:0 0 auto;color:#ffb98f}.grid{display:grid;gap:1.1rem}.g2{grid-template-columns:1fr}.g3{grid-template-columns:1fr}.g4{grid-template-columns:repeat(2,1fr)}.card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:1.3rem;box-shadow:var(--shadow-sm)}.card h3{margin-bottom:.4rem;font-size:var(--step-1)}.card p{margin-bottom:.7rem;color:var(--muted);font-size:var(--step--1)}.card p:last-child{margin-bottom:0}.card-link{display:block;text-decoration:none;color:inherit;transition:border-color .15s,box-shadow .15s,transform .15s}.card-link:hover{border-color:var(--navy-600);box-shadow:var(--shadow-md);color:inherit}.card-link .more{font-weight:700;color:var(--cta-dark);font-size:var(--step--1)}.card-link:hover .more{text-decoration:underline}.icon-tile{width:42px;height:42px;border-radius:var(--r);background:var(--cta-50);color:var(--cta-dark);display:grid;place-items:center;margin-bottom:.85rem}.card--flag{border-left:4px solid var(--cta)}.callout{border:1px solid var(--line);border-left:4px solid var(--navy-600);background:var(--navy-50);border-radius:var(--r);padding:1.1rem 1.25rem;margin:1.5rem 0}.callout--urgent{border-left-color:var(--cta);background:var(--cta-50)}.callout--note{border-left-color:var(--warn);background:#fff8ec}.callout > :last-child{margin-bottom:0}.callout h3,.callout h4{margin-bottom:.35rem;font-size:var(--step-1)}.callout p{font-size:var(--step--1)}.checks,.plain{list-style:none;padding:0}.checks li{position:relative;padding-left:1.7rem;margin-bottom:.6rem}.checks li::before{content:"";position:absolute;left:0;top:.5em;width:12px;height:7px;border-left:2.5px solid var(--ok);border-bottom:2.5px solid var(--ok);transform:rotate(-45deg)}.warns li::before{border-color:var(--cta)}.steps{list-style:none;counter-reset:s;padding:0;margin:1.5rem 0 0;display:grid;gap:1rem}.steps li{counter-increment:s;position:relative;padding-left:3.25rem;margin:0}.steps li::before{content:counter(s);position:absolute;left:0;top:-.1rem;width:2.3rem;height:2.3rem;border-radius:50%;background:var(--navy-800);color:#fff;display:grid;place-items:center;font-weight:750;font-size:var(--step-0)}.section--navy .steps li::before{background:var(--cta)}.steps strong{display:block;margin-bottom:.15rem}.steps p{margin:0;color:var(--muted);font-size:var(--step--1)}.section--navy .steps p{color:#cfdced}.table-scroll{overflow-x:auto;margin:0 0 1.2em;border:1px solid var(--line);border-radius:var(--r-lg)}table{border-collapse:collapse;width:100%;margin:0;font-size:var(--step--1);min-width:34rem}caption{text-align:left;padding:.85rem 1rem;font-weight:650;color:var(--navy-900);border-bottom:1px solid var(--line)}th,td{text-align:left;padding:.75rem 1rem;border-bottom:1px solid var(--line);vertical-align:top}thead th{background:var(--navy-50);color:var(--navy-900);font-weight:700}tbody tr:last-child td{border-bottom:0}.faq{margin:1.5rem 0 0;border-top:1px solid var(--line)}.faq details{border-bottom:1px solid var(--line)}.faq summary{cursor:pointer;padding:1.05rem 2.5rem 1.05rem 0;position:relative;font-weight:650;color:var(--navy-900);font-size:var(--step-1);list-style:none}.faq summary::-webkit-details-marker{display:none}.faq summary::after{content:"";position:absolute;right:.4rem;top:1.45rem;width:9px;height:9px;border-right:2.5px solid var(--cta);border-bottom:2.5px solid var(--cta);transform:rotate(45deg);transition:transform .18s}.faq details[open] summary::after{transform:rotate(-135deg)}.faq summary:hover{color:var(--cta-dark)}.faq .answer{padding:0 0 1.1rem;color:var(--muted)}.faq .answer > :last-child{margin-bottom:0}.crumbs{font-size:var(--step--1);color:var(--muted);padding-block:.9rem}.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:.3rem .5rem;margin:0;padding:0}.crumbs li{margin:0;display:flex;align-items:center;gap:.5rem}.crumbs li+li::before{content:"/";color:var(--navy-100)}.crumbs a{color:var(--navy-700)}.crumbs [aria-current=page]{color:var(--muted)}.area-cols{columns:2;column-gap:1.5rem;list-style:none;padding:0;margin:1rem 0 0}.area-cols li{margin-bottom:.5rem;break-inside:avoid}.area-cols a{font-weight:600;text-decoration:none;color:var(--navy-700)}.area-cols a:hover{text-decoration:underline;color:var(--cta-dark)}.pill-links{display:flex;flex-wrap:wrap;gap:.5rem;list-style:none;padding:0;margin:1.2rem 0 0}.pill-links li{margin:0}.pill-links a{display:inline-block;background:#fff;border:1px solid var(--line);border-radius:999px;padding:.45rem .9rem;font-size:var(--step--1);font-weight:600;text-decoration:none;color:var(--navy-700)}.pill-links a:hover{border-color:var(--cta);color:var(--cta-dark);background:var(--cta-50)}.section--alt .pill-links a{background:#fff}.form{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:1.4rem;box-shadow:var(--shadow-sm)}.field{margin-bottom:1rem}.field label{display:block;font-weight:650;font-size:var(--step--1);margin-bottom:.35rem;color:var(--navy-900)}.field .hint{font-weight:400;color:var(--muted)}input,select,textarea{width:100%;font:400 var(--step-0) var(--sans);color:var(--ink);background:#fff;border:1.5px solid var(--navy-100);border-radius:var(--r);padding:.7rem .8rem}input:hover,select:hover,textarea:hover{border-color:var(--navy-600)}textarea{min-height:7rem;resize:vertical}.form .fineprint{font-size:.8125rem;color:var(--muted);margin:.9rem 0 0}.nap{display:grid;gap:1.1rem}.nap dl{margin:0}.nap dt{font-size:var(--step--1);font-weight:700;color:var(--cta-dark);letter-spacing:.04em;text-transform:uppercase}.nap dd{margin:.1rem 0 .9rem}.site-footer{background:var(--navy-900);color:#c3d3e2;padding-block:3rem 1.5rem;font-size:var(--step--1)}.site-footer h2,.site-footer h3,.site-footer .foot-head{color:#fff;font-size:var(--step-0);font-weight:700;margin:0 0 .7rem;letter-spacing:0}.site-footer strong,.disclaimer strong{color:#fff}.site-footer a{color:#cfdeeb;text-decoration:none}.site-footer a:hover{color:#fff;text-decoration:underline}.foot-grid{display:grid;gap:2rem;grid-template-columns:1fr}.foot-grid ul{list-style:none;padding:0;margin:0}.foot-grid li{margin-bottom:.45rem}.foot-cols2{columns:2;column-gap:1.2rem}.foot-bottom{border-top:1px solid rgba(255,255,255,.14);margin-top:2.25rem;padding-top:1.25rem;display:flex;flex-wrap:wrap;gap:.5rem 1.25rem;justify-content:space-between;color:#9db3c7}.foot-bottom p{margin:0}.foot-bottom nav{display:flex;gap:1rem;flex-wrap:wrap}.disclaimer{background:var(--navy-900);color:#9db3c7;font-size:.8125rem;padding-block:1.25rem;border-top:1px solid rgba(255,255,255,.14)}.disclaimer p{margin:0;max-width:95ch}.sticky-call{position:fixed;left:0;right:0;bottom:0;z-index:50;display:flex;gap:.5rem;padding:.6rem .75rem;background:rgba(255,255,255,.97);border-top:1px solid var(--line);box-shadow:0 -4px 14px rgba(11,34,56,.1);backdrop-filter:saturate(1.6) blur(6px)}.sticky-call .btn{flex:1}.sticky-call .btn-ghost{flex:0 0 auto}body{padding-bottom:4.6rem}.vh{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}.mt0{margin-top:0}.mb0{margin-bottom:0}.center{text-align:center}.art-wrap{background:var(--bg-alt);border:1px solid var(--line);border-radius:var(--r-lg);padding:1rem}figure{margin:1.5rem 0}figcaption{font-size:var(--step--1);color:var(--muted);margin-top:.6rem}@media (max-width:860px){.nav{display:none}.nav-toggle{display:flex}.hdr > .btn{display:none}#mobile-nav[data-open="true"]{display:block;border-top:1px solid var(--line);padding-block:1rem 1.25rem;max-height:min(74vh,36rem);overflow-y:auto}#mobile-nav .nav-head{font-size:var(--step--1);text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin:1rem 0 .4rem;font-weight:700}#mobile-nav .nav-head:first-child{margin-top:0}#mobile-nav ul{list-style:none;padding:0;margin:0}#mobile-nav li{margin:0}#mobile-nav a{display:block;padding:.6rem .25rem;text-decoration:none;color:var(--navy-800);font-weight:600;border-bottom:1px solid var(--navy-50)}#mobile-nav a:hover{color:var(--cta-dark)}#mobile-nav .btn{margin-top:1rem}}@media (min-width:600px){.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(2,1fr)}.nap{grid-template-columns:repeat(2,1fr)}.foot-grid{grid-template-columns:repeat(2,1fr)}}@media (min-width:861px){body{padding-bottom:0}.sticky-call{display:none}.hero-grid{grid-template-columns:1.05fr .95fr}.hero-art{display:block}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}.area-cols{columns:3}.foot-grid{grid-template-columns:1.25fr 1fr 1.3fr 1fr}}@media print{.site-header,.sticky-call,.site-footer,.cta-row{display:none}body{padding:0;color:#000}a::after{content:" (" attr(href) ")";font-size:.8em}}.callout-head{font-weight:700;color:var(--navy-900);font-size:var(--step-1);line-height:1.25;margin:0 0 .35rem}.section--navy .callout-head,.hero .callout-head{color:#fff}.shot{margin:1.9rem auto;max-width:min(100%,var(--maxw,100%))}.shot img{display:block;width:100%;height:auto;border-radius:var(--r-lg);box-shadow:0 14px 34px -16px rgba(11,34,56,.42),0 2px 6px rgba(11,34,56,.06)}.shot figcaption{font-size:var(--step--1);color:var(--muted);margin-top:.85rem;line-height:1.55}.section--navy .shot figcaption,.hero .shot figcaption{color:#b7cce0}.shot--circle img{aspect-ratio:1;object-fit:cover;border-radius:50%;box-shadow:0 16px 36px -16px rgba(11,34,56,.5)}.shot--circle figcaption{text-align:center}.shot--square img{aspect-ratio:1;object-fit:cover}.shot--hero{margin:0 auto}.shot--hero img{outline:2px solid rgba(249,115,22,.7);outline-offset:12px;box-shadow:0 26px 54px -22px rgba(0,0,0,.7)}.shot--hero figcaption{margin-top:1.5rem}@media (max-width:860px){.shot--hero img{outline-offset:8px}}.grid .shot,.photo-split .shot{margin-block:0}.photo{display:block;width:100%;height:auto}.media-grid{display:grid;gap:1.4rem;grid-template-columns:1fr;margin:1.9rem 0}.media-grid .shot{margin:0}@media (min-width:760px){.media-grid{grid-template-columns:repeat(2,1fr)}}.photo-split{display:grid;gap:clamp(1.5rem,4vw,3rem);align-items:center;grid-template-columns:1fr}@media (min-width:861px){.photo-split{grid-template-columns:1fr 1fr}.photo-split--narrow{grid-template-columns:1.2fr .8fr}}.post-grid{display:grid;gap:1.4rem;grid-template-columns:1fr;margin-top:1.75rem}@media (min-width:700px){.post-grid{grid-template-columns:repeat(2,1fr)}}@media (min-width:1000px){.post-grid{grid-template-columns:repeat(3,1fr)}}.post-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow-sm);text-decoration:none;color:inherit;transition:border-color .15s,box-shadow .15s}.post-card:hover{border-color:var(--navy-600);box-shadow:var(--shadow-md);color:inherit}.post-card .photo{border-radius:0;aspect-ratio:3/2;object-fit:cover}.post-card{position:relative}.post-card-body{padding:1.15rem 1.25rem 1.35rem}.post-card h3{font-size:var(--step-1);margin-bottom:.4rem}.post-card p{color:var(--muted);font-size:var(--step--1);margin-bottom:.7rem}.post-card .more{font-weight:700;color:var(--cta-dark);font-size:var(--step--1)}.post-card:hover .more{text-decoration:underline}.post-meta{display:flex;flex-wrap:wrap;gap:.4rem .9rem;list-style:none;padding:0;margin:1.1rem 0 0;font-size:var(--step--1);color:var(--muted)}.hero .post-meta{color:#b7cce0}.post-meta li{margin:0;display:flex;align-items:center;gap:.4rem}.post-body h2{margin-top:2.25rem}.post-body h3{margin-top:1.75rem}.post-body > p:first-of-type{font-size:var(--step-1);color:var(--muted)}.toc{background:var(--bg-alt);border:1px solid var(--line);border-radius:var(--r-lg);padding:1.15rem 1.35rem;margin:1.75rem 0}.toc .foot-head,.toc p.toc-head{font-weight:700;color:var(--navy-900);margin:0 0 .5rem;font-size:var(--step-0)}.toc ol{margin:0;padding-left:1.2rem}.toc li{margin-bottom:.35rem}.toc a{color:var(--navy-700)}.key-takeaway{border:1px solid var(--line);border-left:4px solid var(--ok);background:#f2fbf7;border-radius:var(--r);padding:1.1rem 1.25rem;margin:1.5rem 0}.key-takeaway > :last-child{margin-bottom:0}