:root{--ink:#132231;--nav:#0e2638;--muted:#617081;--bg:#f6f8fb;--card:#fff;--accent:#f5a33b;--accent2:#173e5b;--line:#dce4ec;--max:1200px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;background:var(--bg);color:var(--ink);line-height:1.72}
a{color:#145f8e}header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:30}.top{max-width:var(--max);margin:auto;padding:12px 20px;display:flex;gap:22px;align-items:center}.brand{font-weight:900;color:var(--accent2);text-decoration:none;font-size:1.18rem;white-space:nowrap}.mainnav{display:flex;gap:14px;align-items:center;flex:1}.mainnav a{text-decoration:none;font-size:.9rem;font-weight:750}.header-cta{margin-left:auto!important;background:var(--accent);color:#132231!important;padding:10px 14px;border-radius:9px;font-weight:900!important}
.hero{background:linear-gradient(135deg,#173e5b,#0b2233);color:white;padding:58px 20px}.hero>div{max-width:900px;margin:auto}.eyebrow{font-weight:850;letter-spacing:.1em;text-transform:uppercase;color:#ffc77a;font-size:.82rem}.hero h1{font-size:clamp(2.1rem,5vw,4rem);line-height:1.08;margin:.24em 0}.hero p{font-size:1.13rem;color:#dbe7ef;max-width:780px}
.wrap{max-width:var(--max);margin:34px auto;padding:0 20px;display:grid;grid-template-columns:minmax(0,800px) 300px;gap:40px}main{background:white;border:1px solid var(--line);border-radius:18px;padding:clamp(24px,5vw,52px)}h2{font-size:1.62rem;line-height:1.22;margin-top:2.2em}h3{line-height:1.3}.lede{font-size:1.15rem;color:#34475a}.crumbs{font-size:.87rem;color:var(--muted);margin-bottom:18px}.disclosure{padding:14px 16px;background:#fff7ea;border-left:4px solid var(--accent);border-radius:8px;margin:18px 0 28px}
.button{display:inline-block;background:var(--accent);color:#172331!important;text-decoration:none;font-weight:900;padding:13px 18px;border-radius:10px;margin:8px 0}.button.secondary{background:#e7f1f7}.cta{background:#edf5fa;border:1px solid #c9dce8;border-radius:14px;padding:22px;margin:32px 0}.cta small,.side small{display:block;color:var(--muted);margin-top:6px}.side{position:sticky;top:88px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;height:max-content}.side h3{margin-top:0}.side ul{padding-left:18px}
.cards{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.card{border:1px solid var(--line);background:#fff;border-radius:14px;padding:18px}.card h3{margin-top:0}.card a{text-decoration:none}.faq{border-top:1px solid var(--line);padding-top:8px}.faq h3{margin-bottom:.35em}
footer{background:var(--nav);color:#d9e4ec;margin-top:46px;padding:38px 20px}footer>div{max-width:var(--max);margin:auto}footer a{color:white}.footer-cta{margin-top:14px}
.popup{display:none;position:fixed;inset:0;background:#08131ddd;z-index:60;align-items:center;justify-content:center;padding:18px}.popup.show{display:flex}.popup-card{position:relative;background:#fff;max-width:590px;border-radius:20px;padding:30px;box-shadow:0 24px 80px #0005}.popup-card h2{margin-top:.35em}.close{position:absolute;right:14px;top:8px;border:0;background:none;font-size:28px;cursor:pointer}.source-note{font-size:.9rem;color:var(--muted);background:#f7f9fb;padding:14px;border-radius:10px}
@media(max-width:900px){header{position:static}.top{flex-wrap:wrap}.mainnav{order:3;width:100%;overflow:auto}.header-cta{margin-left:0!important}.wrap{grid-template-columns:1fr}.side{position:static}.cards{grid-template-columns:1fr}.hero{padding:42px 20px}}