:root{--navy:#071827;--ink:#142638;--muted:#5e7080;--teal:#20b99b;--soft:#f5f8fa;--line:#dbe5ed;--max:1100px}*{box-sizing:border-box}body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Arial,sans-serif;color:var(--ink);line-height:1.72;background:#fff}a{color:#087d68;text-decoration:none}a:hover{text-decoration:underline}.wrap{width:min(calc(100% - 38px),var(--max));margin:auto}.top{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.95);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}.nav{height:72px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{font-weight:950;color:var(--navy);font-size:1.25rem}.brand span{color:var(--teal)}.nav a{font-weight:800}.hero{background:linear-gradient(135deg,#eefaf7,#f7fbfe);padding:78px 0}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.76rem;font-weight:900;color:#108a73;margin:0 0 13px}h1{font-size:clamp(2.4rem,5vw,4.4rem);line-height:1.05;letter-spacing:-.055em;margin:0 0 20px;color:var(--navy)}.lead{font-size:1.16rem;color:var(--muted);max-width:780px}.cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 18px;border-radius:13px;background:var(--teal);color:#062f28!important;font-weight:900;text-decoration:none!important}.btn.secondary{background:#fff;border:1px solid var(--line);color:var(--navy)!important}.section{padding:64px 0}.grid{display:grid;grid-template-columns:2fr 1fr;gap:48px;align-items:start}.prose h2{font-size:2rem;letter-spacing:-.04em;color:var(--navy);margin-top:38px}.prose h2:first-child{margin-top:0}.prose h3{font-size:1.25rem;color:var(--navy);margin-top:28px}.prose p,.prose li{color:#40586a}.card{border:1px solid var(--line);background:#fff;border-radius:18px;padding:22px;box-shadow:0 12px 32px rgba(7,24,39,.06);margin-bottom:16px}.card strong{display:block;color:var(--navy);margin-bottom:7px}.links{display:grid;gap:10px}.links a{display:flex;justify-content:space-between;gap:12px;border-top:1px solid var(--line);padding:10px 0;font-weight:800}.note{background:#fff8e7;border:1px solid #f2d99b;border-radius:16px;padding:18px;margin:28px 0}.faq details{border-bottom:1px solid var(--line);padding:16px 0}.faq summary{font-weight:900;cursor:pointer;color:var(--navy)}footer{background:var(--navy);color:#cbd6df;padding:40px 0;margin-top:40px}.footer-grid{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}.disclaimer{font-size:.86rem;color:#617484}@media(max-width:820px){.grid{grid-template-columns:1fr}.nav{height:auto;padding:16px 0;align-items:flex-start;flex-direction:column}.hero{padding:56px 0}}