:root {
  --navy: #04152f;
  --navy2: #072542;
  --teal: #087f7a;
  --mint: #55d6cf;
  --ink: #0a1c35;
  --muted: #536277;
  --line: #dbe2e8;
  --mist: #f3f7f8;
  --max: 1180px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0; color: var(--ink); background: #fff;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
  line-height: 1.7; -webkit-font-smoothing: antialiased;
}
a { color: inherit; text-underline-offset: 3px; }
button { font: inherit; }
.skip-link {
  position: fixed; z-index: 100; top: 12px; left: 12px; padding: 12px 16px;
  color: #fff; border-radius: 3px; background: var(--navy); transform: translateY(-160%);
}
.skip-link:focus { transform: translateY(0); }
:where(a, button, summary):focus-visible { outline: 3px solid #f1cf6a; outline-offset: 4px; }
.site-header { color: #fff; background: var(--navy); border-bottom: 1px solid rgba(255,255,255,.14); }
.header-inner {
  width: min(calc(100% - 48px), 1220px); min-height: 96px; margin: 0 auto;
  display: flex; align-items: center; justify-content: space-between; gap: 30px;
}
.brand { display: flex; align-items: center; width: 230px; }
.brand img { display: block; width: 100%; height: auto; }
.site-nav { display: flex; align-items: center; gap: 28px; font-size: 14px; }
.site-nav a { color: rgba(255,255,255,.78); text-decoration: none; }
.site-nav a:hover, .site-nav a[aria-current="page"] { color: #fff; }
.nav-cta { padding: 11px 16px; border: 1px solid rgba(255,255,255,.32); border-radius: 3px; font-weight: 700; }
.page-hero {
  padding: 90px max(24px, calc((100vw - var(--max)) / 2)) 94px; color: #fff;
  background: radial-gradient(circle at 78% 25%, rgba(8,167,160,.2), transparent 30%),
    linear-gradient(135deg, #031329, #06314c);
}
.breadcrumbs { display: flex; flex-wrap: wrap; gap: 8px; margin: 0 0 28px; color: rgba(255,255,255,.68); font-size: 13px; }
.breadcrumbs a { color: inherit; }
.eyebrow { margin: 0 0 14px; color: var(--mint); font-size: 12px; font-weight: 800; letter-spacing: .15em; text-transform: uppercase; }
h1, h2, h3 { margin-top: 0; line-height: 1.18; letter-spacing: -.035em; }
h1 { max-width: 900px; margin-bottom: 25px; font-size: clamp(44px, 6vw, 72px); }
.page-hero > p:last-child { max-width: 760px; margin: 0; color: rgba(255,255,255,.78); font-size: 18px; line-height: 1.75; }
.section { padding: 92px max(24px, calc((100vw - var(--max)) / 2)); }
.section.mist { background: var(--mist); }
.intro-grid, .split { display: grid; grid-template-columns: 1.05fr .95fr; gap: 80px; align-items: start; }
.kicker { color: var(--teal); font-size: 11px; font-weight: 800; letter-spacing: .15em; text-transform: uppercase; }
h2 { margin-bottom: 22px; font-size: clamp(32px, 4vw, 48px); }
h3 { margin-bottom: 12px; font-size: 22px; letter-spacing: -.02em; }
.lede { margin: 0; color: var(--muted); font-size: 18px; line-height: 1.8; }
.fact-panel { padding: 30px; color: #fff; background: var(--navy2); }
.fact-panel h2 { font-size: 25px; }
.fact-panel ul, .check-list { margin: 0; padding: 0; list-style: none; }
.fact-panel li { padding: 14px 0; border-top: 1px solid rgba(255,255,255,.14); color: rgba(255,255,255,.78); }
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 42px; }
.card {
  display: flex; min-height: 330px; padding: 30px; flex-direction: column;
  border: 1px solid var(--line); background: #fff;
}
.card .number { color: var(--teal); font-size: 11px; font-weight: 800; }
.card h2, .card h3 { margin: 46px 0 15px; font-size: 23px; }
.card p { margin: 0 0 24px; color: var(--muted); }
.card a { margin-top: auto; color: var(--teal); font-weight: 800; }
.check-list { display: grid; grid-template-columns: 1fr 1fr; gap: 0 34px; margin-top: 30px; }
.check-list li { position: relative; padding: 16px 0 16px 27px; border-top: 1px solid var(--line); color: var(--muted); }
.check-list li::before { content: "✓"; position: absolute; left: 0; color: var(--teal); font-weight: 800; }
.contact-box { margin-top: 42px; padding: 26px; border: 1px solid var(--line); background: #fff; }
.contact-box h2, .contact-box h3 { margin-top: 0; }
.contact-box p { margin-bottom: 0; color: var(--muted); }
.article-meta { display: flex; flex-wrap: wrap; gap: 10px 24px; margin-top: 28px; color: rgba(255,255,255,.7); font-size: 13px; }
.article-layout { display: grid; grid-template-columns: minmax(0, 780px) 260px; gap: 80px; align-items: start; }
.article-body h2 { margin: 58px 0 18px; font-size: clamp(29px, 3.4vw, 40px); }
.article-body h2:first-child { margin-top: 0; }
.article-body h3 { margin: 34px 0 12px; }
.article-body p, .article-body li { color: var(--muted); }
.article-body p { margin: 0 0 20px; }
.article-body ul, .article-body ol { padding-left: 24px; }
.article-body li { margin: 9px 0; }
.article-body .direct-answer { padding: 24px; border-left: 4px solid var(--teal); background: var(--mist); color: var(--ink); font-size: 18px; }
.article-nav { position: sticky; top: 24px; padding: 24px; border: 1px solid var(--line); background: var(--mist); }
.article-nav strong { display: block; margin-bottom: 12px; }
.article-nav a { display: block; padding: 8px 0; color: var(--teal); font-size: 13px; }
.comparison-table { width: 100%; margin: 28px 0; border-collapse: collapse; font-size: 14px; }
.comparison-table th, .comparison-table td { padding: 14px; border: 1px solid var(--line); text-align: left; vertical-align: top; }
.comparison-table th { color: var(--ink); background: var(--mist); }
.comparison-table td { color: var(--muted); }
.source-list { margin-top: 54px; padding-top: 30px; border-top: 1px solid var(--line); }
.source-list a { color: var(--teal); overflow-wrap: anywhere; }
.author-box { margin-top: 48px; padding: 25px; border: 1px solid var(--line); background: var(--mist); }
.author-box strong { display: block; margin-bottom: 6px; }
.author-box p { margin: 0; }
.process { counter-reset: step; display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; margin-top: 40px; background: var(--line); border: 1px solid var(--line); }
.process article { min-height: 245px; padding: 28px; background: #fff; }
.process span { color: var(--teal); font-size: 11px; font-weight: 800; }
.process h3 { margin-top: 48px; }
.process p { color: var(--muted); font-size: 14px; }
.faq-list { max-width: 900px; margin-top: 34px; }
.faq-list details { padding: 0 24px; border-top: 1px solid var(--line); }
.faq-list details:last-child { border-bottom: 1px solid var(--line); }
.faq-list summary { padding: 22px 34px 22px 0; cursor: pointer; font-weight: 800; }
.faq-list p { margin: 0 0 24px; color: var(--muted); }
.cta {
  display: grid; grid-template-columns: 1fr auto; gap: 40px; align-items: center;
  padding: 58px max(24px, calc((100vw - var(--max)) / 2)); color: #fff; background: var(--navy2);
}
.cta h2 { margin: 0 0 12px; }
.cta p { margin: 0; color: rgba(255,255,255,.7); }
.button {
  display: inline-flex; min-height: 52px; padding: 0 24px; align-items: center; justify-content: center;
  color: #fff; border-radius: 3px; background: var(--teal); font-weight: 800; text-decoration: none;
}
footer { padding: 48px max(24px, calc((100vw - 1220px) / 2)) 28px; color: #fff; background: #031329; }
.footer-top { display: flex; justify-content: space-between; gap: 30px; align-items: center; padding-bottom: 34px; }
.footer-top p { max-width: 520px; color: rgba(255,255,255,.68); }
.footer-links { display: flex; flex-wrap: wrap; gap: 22px; padding: 24px 0; border-top: 1px solid rgba(255,255,255,.14); }
.footer-links a, .cookie-settings { color: rgba(255,255,255,.82); }
.cookie-settings { padding: 0; border: 0; background: transparent; cursor: pointer; text-decoration: underline; text-underline-offset: 4px; }
.footer-base { display: flex; justify-content: space-between; gap: 20px; padding-top: 20px; color: rgba(255,255,255,.62); font-size: 12px; }
@media (max-width: 900px) {
  .header-inner { align-items: flex-start; padding: 20px 0; flex-direction: column; }
  .site-nav { width: 100%; flex-wrap: wrap; gap: 16px 22px; }
  .intro-grid, .split { grid-template-columns: 1fr; gap: 48px; }
  .card-grid { grid-template-columns: 1fr; }
  .card { min-height: 0; }
  .process { grid-template-columns: 1fr 1fr; }
  .article-layout { grid-template-columns: 1fr; gap: 40px; }
  .article-nav { position: static; }
}
@media (max-width: 620px) {
  .header-inner { width: calc(100% - 36px); }
  .brand { width: 190px; }
  .site-nav { font-size: 13px; }
  .page-hero { padding-top: 60px; padding-bottom: 68px; }
  .section { padding-top: 68px; padding-bottom: 68px; }
  .check-list, .process { grid-template-columns: 1fr; }
  .cta { grid-template-columns: 1fr; }
  .footer-top { align-items: flex-start; flex-direction: column; }
  .footer-base { flex-direction: column; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}