:root{
  --blue:#00438C;--blue-deep:#002F63;--teal:#016BB9;--teal-soft:#E3EFF9;
  --ink:#1F2A35;--muted:#54616B;--mist:#EEF4FA;--line:#D3DFEB;--paper:#FFFFFF;
  --field:#FFFFFF;--on-blue:#FFFFFF;
  --display:"Outfit",ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;
  --body:"Source Sans 3",ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;
  box-sizing:border-box;
  padding-top:env(safe-area-inset-top,0px);
  padding-bottom:env(safe-area-inset-bottom,0px);
}
@media (prefers-color-scheme:dark){
  :root:not([data-theme="light"]){
    --blue:#8DBDF0;--blue-deep:#0B2440;--teal:#5FB0EE;--teal-soft:#12304D;
    --ink:#E6EDF4;--muted:#A9B6C4;--mist:#131D28;--line:#2A3A4C;--paper:#0D151E;
    --field:#16212D;--on-blue:#0D151E;
  }
}
:root[data-theme="dark"]{
  --blue:#8DBDF0;--blue-deep:#0B2440;--teal:#5FB0EE;--teal-soft:#12304D;
  --ink:#E6EDF4;--muted:#A9B6C4;--mist:#131D28;--line:#2A3A4C;--paper:#0D151E;
  --field:#16212D;--on-blue:#0D151E;
}
*,*::before,*::after{box-sizing:inherit}
html{scroll-padding-top:calc(env(safe-area-inset-top,0px) + 84px);scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--paper);color:var(--ink);font:400 1.0625rem/1.65 var(--body);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}
a{color:var(--blue)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid var(--teal);outline-offset:2px}
h1,h2,h3{font-family:var(--display);color:var(--ink);margin:0}
h1{font-weight:300;font-size:clamp(2.2rem,5vw,3.6rem);line-height:1.1;letter-spacing:-.02em}
h2{font-weight:300;font-size:clamp(1.75rem,3.4vw,2.45rem);line-height:1.15;letter-spacing:-.015em}
h3{font-weight:500;font-size:1.22rem;line-height:1.3}
p{margin:0 0 1em}
.wrap{max-width:1120px;margin:0 auto;padding:0 1.5rem}
section{padding:5rem 0}
.tint{background:var(--mist)}
.lede{font-size:1.2rem;color:var(--muted);max-width:58ch}
.btn{display:inline-block;font:500 1rem/1 var(--display);text-decoration:none;padding:1rem 1.5rem;border-radius:8px;border:2px solid var(--blue);transition:background .15s,color .15s;cursor:pointer}
.btn-solid{background:var(--blue);color:var(--on-blue)}
.btn-solid:hover{background:var(--blue-deep);border-color:var(--blue-deep);color:#fff}
.btn-line{color:var(--blue);background:transparent}
.btn-line:hover{background:var(--blue);color:var(--on-blue)}
.actions{display:flex;flex-wrap:wrap;gap:.9rem}

/* Header */
.site-head{position:sticky;top:env(safe-area-inset-top,0px);z-index:20;background:var(--paper);border-bottom:1px solid var(--line)}
.head-in{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:72px;position:relative}
.brand{text-decoration:none;color:var(--ink);line-height:1.15;display:flex;align-items:center;gap:.75rem}
.brand img{height:40px;width:auto;display:block}
.brand-text{display:block}
.brand strong{display:block;font:500 1.3rem var(--display);color:var(--blue)}
.brand span{font-size:.85rem;color:var(--muted)}
.nav{display:flex;align-items:center;gap:1.4rem}
.nav a{text-decoration:none;color:var(--ink);font-size:.98rem}
.nav a:hover,.nav a[aria-current="page"]{color:var(--blue)}
.nav a[aria-current="page"]{text-decoration:underline;text-underline-offset:6px;text-decoration-thickness:2px;text-decoration-color:var(--teal)}
.nav .btn{padding:.7rem 1.1rem;color:var(--on-blue);text-decoration:none}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:.5rem .8rem;font:500 .95rem var(--display);color:var(--ink);cursor:pointer}
@media (max-width:1040px){
  .menu-btn{display:block}
  .nav{display:none;position:absolute;left:-1.5rem;right:-1.5rem;top:100%;background:var(--paper);flex-direction:column;align-items:flex-start;padding:1rem 1.5rem 1.5rem;border-bottom:1px solid var(--line);gap:1rem}
  .nav.open{display:flex}
}

/* Home hero */
.hero{background:var(--mist);padding:4.5rem 0}
.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:3.5rem;align-items:center}
.hero h1{margin-bottom:1.25rem}
.hero .lede{margin-bottom:2rem}
.cred{margin-top:2rem;font-size:.95rem;color:var(--muted);max-width:60ch}
.photo{margin:0;aspect-ratio:4/5;border-radius:14px;background:#fff;overflow:hidden;border-bottom:6px solid var(--teal)}
.photo img{display:block;width:100%;height:100%;object-fit:cover;object-position:center top}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr}.photo{max-width:380px}}

/* Page hero */
.page-hero{background:var(--mist);padding:3.5rem 0 3rem}
.page-hero h1{margin:.6rem 0 1rem;max-width:22ch}
.crumbs{font-size:.92rem;color:var(--muted)}
.crumbs a{color:var(--muted)}
.meta{display:flex;align-items:center;gap:.9rem;margin-top:1.5rem;font-size:.95rem;color:var(--muted)}
.meta img{width:48px;height:48px;border-radius:50%;object-fit:cover;background:#fff}
.meta strong{color:var(--ink);font-weight:600}

/* Two-column story */
.split{display:grid;grid-template-columns:1fr 1fr;gap:3.5rem;align-items:start}
.split h2{margin-bottom:1.25rem}
.facts{list-style:none;margin:0;padding:0;border-top:1px solid var(--line)}
.facts li{padding:1rem 0;border-bottom:1px solid var(--line)}
.facts b{display:block;font:500 1.05rem var(--display);color:var(--blue)}
@media (max-width:900px){.split{grid-template-columns:1fr;gap:2rem}}

/* Journey path (signature element) */
.journey-head{max-width:60ch;margin-bottom:3rem}
.journey-head h2{margin-bottom:1rem}
.path{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:2rem;position:relative}
.path::before{content:"";position:absolute;top:14px;left:14px;right:14px;height:3px;background:linear-gradient(90deg,var(--teal),var(--blue))}
.stop{position:relative;padding-top:3rem}
.stop::before{content:"";position:absolute;top:0;left:0;width:31px;height:31px;border-radius:50%;background:var(--paper);border:3px solid var(--teal)}
.stop:nth-child(2)::before{border-color:#0157A2}
.stop:nth-child(3)::before{border-color:var(--blue);background:var(--blue)}
.stop .tag{font:500 .95rem var(--display);color:var(--teal);margin-bottom:.25rem}
.stop h3{margin-bottom:.6rem}
.stop p{color:var(--muted)}
.stop ul{margin:.5rem 0 1rem;padding-left:1.1rem}
.stop li{margin:.3rem 0}
@media (max-width:900px){
  .path{grid-template-columns:1fr;gap:2.25rem;padding-left:3rem}
  .path::before{top:14px;bottom:14px;left:14px;right:auto;width:3px;height:auto;background:linear-gradient(180deg,var(--teal),var(--blue))}
  .stop{padding-top:0}
  .stop::before{left:-3rem}
}

/* Link panels */
.panels{display:grid;grid-template-columns:repeat(2,1fr);gap:1.5rem}
.panel{display:block;text-decoration:none;color:var(--ink);background:var(--paper);border:1px solid var(--line);border-left:5px solid var(--teal);border-radius:10px;padding:1.6rem 1.75rem}
.panel:nth-child(2){border-left-color:var(--blue)}
.panel h3{margin-bottom:.5rem;color:var(--ink)}
.panel p{color:var(--muted);margin:0 0 .8rem}
.panel span{font:500 .98rem var(--display);color:var(--blue);text-decoration:underline;text-underline-offset:4px}
.panel:hover{border-color:var(--blue)}
@media (max-width:900px){.panels{grid-template-columns:1fr}}

/* Calculators */
.calc{display:grid;grid-template-columns:1.1fr .9fr;background:var(--paper);border:1px solid var(--line);border-radius:14px;overflow:hidden}
.inputs{padding:2rem}
.fieldset{border:0;margin:0 0 1.5rem;padding:0}
.fieldset legend{font:500 1.05rem var(--display);color:var(--blue);margin-bottom:.75rem;padding:0}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
label{display:block;font-size:.92rem;color:var(--muted)}
input[type=number],select,input[type=text],input[type=email],input[type=tel],textarea{display:block;width:100%;margin-top:.3rem;padding:.7rem .8rem;font:400 1rem var(--body);color:var(--ink);background:var(--field);border:1px solid var(--line);border-radius:8px}
.toggle{display:flex;align-items:center;gap:.6rem;font-size:1rem;color:var(--ink);margin-bottom:1.25rem;cursor:pointer}
.toggle input{width:1.15rem;height:1.15rem;accent-color:var(--teal)}
.results{background:var(--blue-deep);color:#E8F0F8;padding:2rem;display:flex;flex-direction:column;gap:1.2rem}
.results h2{color:#fff;font-weight:400;font-size:1.3rem;letter-spacing:0}
.big{font:300 clamp(2.4rem,4.5vw,3.2rem)/1 var(--display);color:#fff;letter-spacing:-.02em}
.result-row{border-top:1px solid rgba(255,255,255,.15);padding-top:1rem}
.result-row span{display:block;font-size:.92rem;color:#B9CBE0}
.result-row strong{font:400 1.5rem var(--display);color:#fff}
.breakdown{font-size:.92rem;color:#B9CBE0;margin:0;padding:0;list-style:none}
.breakdown li{display:flex;justify-content:space-between;gap:1rem;padding:.3rem 0;border-bottom:1px dashed rgba(255,255,255,.12)}
.small{font-size:.85rem;color:#B9CBE0;margin:0}
.results .btn{align-self:flex-start;background:var(--teal);border-color:var(--teal);color:#fff}
.calc-note{font-size:.9rem;color:var(--muted);margin-top:1rem;max-width:80ch}
@media (max-width:900px){.calc{grid-template-columns:1fr}.grid2{grid-template-columns:1fr}}

/* Long-form text */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:4rem;align-items:start}
.aside{position:sticky;top:110px;border:1px solid var(--line);border-radius:12px;padding:1.5rem;background:var(--paper)}
.aside h2{font-size:1.2rem;font-weight:500;letter-spacing:0;margin-bottom:.6rem}
.aside p{font-size:.98rem;color:var(--muted)}
.aside .btn{width:100%;text-align:center;margin-bottom:.6rem}
.aside ul{list-style:none;padding:0;margin:1rem 0 0;border-top:1px solid var(--line)}
.aside li{padding:.6rem 0;border-bottom:1px solid var(--line);font-size:.97rem}
@media (max-width:980px){.layout{grid-template-columns:1fr;gap:2.5rem}.aside{position:static}}
.prose{max-width:70ch}
.prose h2{margin:2.6rem 0 1rem;font-size:clamp(1.5rem,2.8vw,2rem)}
.prose h3{margin:2rem 0 .6rem}
.prose ul,.prose ol{padding-left:1.3rem;margin:0 0 1.2em}
.prose li{margin:.4rem 0}
.prose table{width:100%;border-collapse:collapse;margin:0 0 1.5rem;font-size:.98rem}
.table-wrap{overflow-x:auto;margin:0 0 1.5rem}
.table-wrap table{margin:0;min-width:520px}
.prose th,.prose td{text-align:left;padding:.7rem .8rem;border-bottom:1px solid var(--line);vertical-align:top}
.prose th{font:500 .98rem var(--display);color:var(--blue);background:var(--mist)}
.answer{background:var(--teal-soft);border-left:4px solid var(--teal);border-radius:0 10px 10px 0;padding:1.2rem 1.4rem;margin:0 0 2rem;font-size:1.1rem}
.answer p:last-child{margin:0}
.note{border:1px solid var(--line);border-radius:10px;padding:1.1rem 1.3rem;margin:1.5rem 0;background:var(--mist)}
.note p:last-child{margin:0}
.steps{list-style:none;counter-reset:s;padding:0 !important}
.steps>li{counter-increment:s;position:relative;padding:0 0 1.2rem 3.2rem;margin:0 0 .4rem}
.steps>li::before{content:counter(s);position:absolute;left:0;top:-.1rem;width:2.1rem;height:2.1rem;border-radius:50%;background:var(--blue);color:var(--on-blue);font:500 1rem/2.1rem var(--display);text-align:center}
.steps>li::after{content:"";position:absolute;left:1.02rem;top:2.2rem;bottom:0;width:2px;background:var(--line)}
.steps>li:last-child::after{display:none}
.steps strong{display:block;font:500 1.12rem var(--display);color:var(--ink);margin-bottom:.2rem}
.sources{font-size:.95rem;color:var(--muted);border-top:1px solid var(--line);margin-top:2.5rem;padding-top:1.2rem}
.sources ul{padding-left:1.1rem}
.author{display:flex;gap:1.2rem;align-items:flex-start;border:1px solid var(--line);border-radius:12px;padding:1.4rem;margin-top:2.5rem}
.author img{width:72px;height:72px;border-radius:50%;object-fit:cover;flex:none;background:#fff}
.author h2{font-size:1.15rem;font-weight:500;letter-spacing:0;margin:0 0 .3rem}
.author p{margin:0;font-size:.98rem;color:var(--muted)}

/* FAQ */
.faq{max-width:780px}
.faq>h2{margin-bottom:1.6rem}
details{border-bottom:1px solid var(--line);padding:1.1rem 0}
summary{cursor:pointer;font:500 1.12rem var(--display);color:var(--ink);list-style:none;display:flex;justify-content:space-between;gap:1rem}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--teal);font-size:1.5rem;line-height:1}
details[open] summary::after{content:"\2212"}
details p{margin:.8rem 0 0;color:var(--muted);max-width:66ch}

/* Articles */
.post-list{display:grid;grid-template-columns:repeat(3,1fr);gap:2rem}
.post{border-top:3px solid var(--teal);padding-top:1.25rem}
.post .topic{font-size:.92rem;color:var(--teal);margin-bottom:.4rem;font-weight:600}
.post h3{margin-bottom:.6rem}
.post h3 a{color:var(--ink);text-decoration:none}
.post h3 a:hover{color:var(--blue);text-decoration:underline}
.post p{color:var(--muted);font-size:1rem}
.post .date{font-size:.9rem}
.section-head{display:flex;justify-content:space-between;align-items:end;gap:1rem;flex-wrap:wrap;margin-bottom:2rem}
@media (max-width:900px){.post-list{grid-template-columns:1fr}}

/* CTA band */
.cta-band{background:var(--blue-deep);color:#D5E2EF;padding:4rem 0}
.cta-band h2{color:#fff;margin-bottom:.8rem}
.cta-band .lede{color:#C2D3E5}
.cta-in{display:flex;justify-content:space-between;align-items:center;gap:2rem;flex-wrap:wrap}
.cta-band .btn-solid{background:var(--teal);border-color:var(--teal);color:#fff}
.cta-band .btn-line{color:#fff;border-color:#fff}
.cta-band .btn-line:hover{background:#fff;color:#002F63}

/* Contact */
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:3.5rem}
.contact-list{list-style:none;padding:0;margin:1.5rem 0 0}
.contact-list li{margin:.6rem 0}
.form{display:grid;gap:1rem}
.form .btn{justify-self:start}
.form-msg{font-size:.95rem;color:var(--teal);min-height:1.2em;margin:0}
.hp{position:absolute;left:-9999px}
.fine-print{font-size:.88rem;color:var(--muted)}
@media (max-width:900px){.contact-grid{grid-template-columns:1fr;gap:2rem}}

.placeholder{background:#FFF4CC;color:#5C4A00;padding:.1rem .35rem;border-radius:4px;font-size:.9em}

/* Footer */
.site-foot{background:var(--blue-deep);color:#C5D4E4;padding:3.5rem 0 2.5rem;font-size:.95rem}
.site-foot a{color:#fff}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:2.5rem}
.foot-grid h2{font:500 1rem var(--display);color:#fff;margin:0 0 .8rem;letter-spacing:0}
.foot-links{list-style:none;padding:0;margin:0}
.foot-links li{margin:.35rem 0}
.foot-logo{display:block;width:240px;max-width:100%;height:auto;margin:0 0 1.25rem}
.mp{border-left:3px solid var(--teal);padding-left:1rem}
.mp strong{color:#fff;font-weight:600}
.fine{margin-top:2.5rem;padding-top:1.5rem;border-top:1px solid rgba(255,255,255,.12);font-size:.85rem;color:#9FB3C8}
@media (max-width:900px){.foot-grid{grid-template-columns:1fr}}