@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Manrope:wght@400;500;600;700;800&display=swap');
:root{--navy:#102d35;--navyd:#0b232a;--sage:#e9f0e9;--bg:#f8f8f3;--ink:#15363c;--muted:#63767b;--gold:#d5ae6d;--line:#dde6df;--white:#fff;--radius:20px;--shadow:0 18px 55px rgba(12,38,42,.08)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--ink);font-family:'DM Sans',Arial,sans-serif;line-height:1.7}h1,h2,h3,h4{font-family:Manrope,Arial,sans-serif;line-height:1.22;letter-spacing:-.035em;margin:0 0 17px}h1{font-size:clamp(2.5rem,5vw,4.65rem)}h2{font-size:clamp(1.8rem,3.2vw,2.85rem)}h3{font-size:1.28rem}p{margin:0 0 18px}a{color:inherit;text-decoration:none}a:hover{color:#a87830}img{max-width:100%}.container{width:min(1140px,calc(100% - 48px));margin:auto}.skip{position:absolute;left:-9999px;top:0}.skip:focus{left:10px;top:10px;background:#fff;z-index:999}.topbar{background:var(--navyd);color:#cbdad7;font-size:12px;text-align:center;padding:7px 15px}.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}.nav-wrap{display:flex;align-items:center;justify-content:space-between;min-height:78px;gap:24px}.logo{display:flex;align-items:center;gap:12px;font-family:Manrope,sans-serif;font-weight:800;font-size:19px;letter-spacing:-.05em;color:var(--navy)}.logo-mark{display:grid;place-items:center;width:40px;height:40px;background:var(--navy);color:var(--gold);border-radius:11px;font-size:24px}.logo span span{color:#a67d3d}.nav-links{display:flex;align-items:center;gap:27px;font-size:14px;font-weight:700}.nav-links a.active{color:#a87830}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--gold);border:1px solid var(--gold);color:var(--navy);font-size:14px;font-weight:800;padding:13px 21px;border-radius:100px;cursor:pointer;transition:transform .2s,background .2s}.btn:hover{transform:translateY(-2px);background:#e8c48a;color:var(--navy)}.btn.dark{background:var(--navy);border-color:var(--navy);color:#fff}.btn.dark:hover{background:#23515a;color:#fff}.btn.outline{background:transparent;color:var(--navy);border-color:#bbcdc7}.menu-btn{display:none;border:0;background:none;font-size:25px;cursor:pointer}.eyebrow{font-size:11px;text-transform:uppercase;letter-spacing:.19em;font-weight:800;color:#a87b38;margin-bottom:14px;display:block}.section{padding:92px 0}.section.alt{background:#fff}.section-head{display:flex;align-items:end;justify-content:space-between;gap:22px;margin-bottom:36px}.section-head p{max-width:540px;color:var(--muted)}.hero{background:var(--navy);color:#fff;overflow:hidden;position:relative}.hero:before{content:'';position:absolute;border:1px solid rgba(255,255,255,.12);width:680px;height:680px;border-radius:50%;top:-400px;right:-140px}.hero-wrap{min-height:560px;display:grid;grid-template-columns:1.15fr .85fr;align-items:center;gap:55px;padding-top:73px;padding-bottom:73px;position:relative}.hero h1{max-width:660px}.hero h1 em{font-style:normal;color:var(--gold)}.hero p{color:#c7d8d4;max-width:540px;font-size:17px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}.hero .btn.outline{color:#fff;border-color:#54727a}.hero-visual{position:relative;min-height:360px;display:flex;align-items:center;justify-content:center}.hero-visual .big-circle{width:330px;height:330px;border-radius:50%;background:linear-gradient(135deg,#547f75,#c1d0b6);display:grid;place-items:center;box-shadow:0 0 0 27px rgba(255,255,255,.05)}.hero-visual svg{width:290px}.float-note{position:absolute;bottom:10px;left:0;background:white;color:var(--ink);padding:16px 20px;border-radius:15px;box-shadow:var(--shadow);font-weight:800;font-size:13px}.float-note small{display:block;color:var(--muted);font-weight:400}.trust-strip{background:#fff;border-bottom:1px solid var(--line)}.trust-wrap{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;padding:24px 0}.trust-wrap div{display:flex;align-items:center;gap:11px;font-size:13px;font-weight:700;color:#38565a}.trust-wrap b{background:#e6eee7;border-radius:50%;width:32px;height:32px;display:grid;place-items:center;color:#2b6e61}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:23px}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:23px}.feature,.article-card,.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}.feature{padding:29px}.feature .num{font-size:12px;font-weight:800;color:#a17b40;margin-bottom:18px}.feature p,.article-card p,.muted{color:var(--muted)}.card-top{height:156px;background:linear-gradient(130deg,#e6eee7,#afc9bc);position:relative;display:flex;align-items:center;justify-content:center;overflow:hidden}.card-top svg{width:150px;height:120px}.card-top:before{content:'';position:absolute;width:230px;height:230px;border:1px solid #ffffffa8;border-radius:50%;top:-115px;right:-50px}.card-body{padding:26px}.tag{display:inline-block;color:#997038;text-transform:uppercase;font-size:11px;font-weight:800;letter-spacing:.09em;margin-bottom:13px}.article-card h3 a:hover{text-decoration:underline}.readlink{display:inline-block;color:#976d32;font-weight:800;font-size:13px;margin-top:10px}.split{display:grid;grid-template-columns:1fr 1fr;gap:66px;align-items:center}.illustration-card{border-radius:27px;background:var(--sage);padding:55px 34px;min-height:350px;display:grid;place-items:center}.illustration-card svg{max-width:100%;width:350px}.list-check{list-style:none;padding:0}.list-check li{padding:8px 0 8px 33px;position:relative}.list-check li:before{content:'✓';position:absolute;left:0;background:#d6e8db;border-radius:50%;width:23px;height:23px;line-height:23px;text-align:center;color:#265d4f;font-weight:800}.calculator-section{background:#e9f0e9}.calc-box{background:#fff;padding:31px;border-radius:24px;box-shadow:var(--shadow);border:1px solid var(--line)}.calc-layout{display:grid;grid-template-columns:1fr 1fr;gap:32px}.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:15px}.field{display:block}.field label{display:block;font-size:12px;font-weight:800;margin-bottom:8px}.field input,.field select,.field textarea{display:block;width:100%;background:#fcfdfb;border:1px solid #cfdbd4;border-radius:10px;padding:12px 13px;color:var(--ink);font:inherit;outline-color:#769987}.field textarea{min-height:155px;resize:vertical}.calc-result{background:var(--navy);color:#fff;border-radius:20px;padding:32px}.calc-result small{color:#abc2bf}.calc-value{font:800 clamp(2rem,3vw,3rem) Manrope,sans-serif;margin:10px 0 23px;letter-spacing:-.04em}.calc-stats{display:grid;grid-template-columns:1fr 1fr;gap:20px;padding-top:20px;border-top:1px solid #45646a}.calc-stats strong{font-size:18px;display:block}.disclaimer{font-size:12px;color:var(--muted);line-height:1.6;margin-top:17px}.cta-band{background:var(--navyd);color:#fff;border-radius:28px;padding:50px 55px;display:flex;align-items:center;justify-content:space-between;gap:20px}.cta-band p{color:#c8dad5;max-width:630px}.inner-hero{background:var(--navy);color:#fff;padding:72px 0}.inner-hero h1{max-width:850px}.inner-hero p{color:#cadbd6;max-width:710px;font-size:17px}.breadcrumbs{font-size:12px;color:#a9c2be;margin-bottom:23px}.breadcrumbs a{text-decoration:underline}.prose{font-size:16px;max-width:790px}.prose h2{font-size:1.65rem;margin:36px 0 15px}.prose p{color:#415b5e}.prose ul{padding-left:22px;color:#415b5e}.article-layout{display:grid;grid-template-columns:minmax(0,750px) 260px;gap:60px;align-items:start}.side-box{background:#fff;border-radius:16px;border:1px solid var(--line);padding:23px;position:sticky;top:105px}.side-box a{display:block;font-size:14px;border-bottom:1px solid var(--line);padding:11px 0}.side-box a:last-child{border:0}.callout{background:#eaf1e9;border-left:4px solid #8cae93;padding:23px;border-radius:0 14px 14px 0;margin:27px 0}.faq-item{border-bottom:1px solid var(--line)}.faq-item button{cursor:pointer;background:transparent;border:0;width:100%;padding:21px 0;display:flex;justify-content:space-between;gap:16px;text-align:left;color:var(--ink);font:800 16px Manrope,sans-serif}.faq-answer{padding-bottom:20px;color:var(--muted)}.faq-answer[hidden]{display:none}.footer{background:var(--navyd);color:#d4e0dc;padding:65px 0 25px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.3fr;gap:40px}.footer h4{color:#fff;font-size:14px;letter-spacing:0}.footer a{display:block;font-size:13px;margin:10px 0;color:#d0ddda}.footer p{font-size:13px;color:#afc4c0}.footer .logo{color:#fff;margin-bottom:17px}.footer-bottom{border-top:1px solid #2a4850;padding-top:22px;margin-top:42px;display:flex;justify-content:space-between;gap:20px;font-size:12px;color:#9fb9b6}.mini-note{font-size:12px;color:#6a7776}.article-card:hover{box-shadow:var(--shadow);transform:translateY(-3px);transition:.2s}.center{text-align:center}.mt30{margin-top:30px}.mb30{margin-bottom:30px}.contact-card{padding:30px;background:#fff;border:1px solid var(--line);border-radius:20px}.notice{background:#fff5df;border:1px solid #edddad;padding:16px 20px;border-radius:12px;color:#68512e;font-size:13px}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}@media(max-width:950px){.grid3{grid-template-columns:repeat(2,1fr)}.hero-wrap{gap:18px}.article-layout{grid-template-columns:1fr}.side-box{position:static}.footer-grid{grid-template-columns:1.6fr 1fr 1fr}.footer-grid>div:last-child{grid-column:1/-1}}@media(max-width:740px){.container{width:min(100% - 34px,1140px)}.nav-wrap{min-height:69px}.menu-btn{display:block}.nav-links{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:20px 24px;box-shadow:var(--shadow);flex-direction:column;align-items:flex-start;gap:16px}.nav-links.open{display:flex}.header-cta{display:none}.hero-wrap,.split,.calc-layout,.grid2{grid-template-columns:1fr}.hero-wrap{padding-top:58px;padding-bottom:58px}.hero-visual{min-height:280px}.hero-visual .big-circle{width:270px;height:270px}.hero-visual svg{width:245px}.section{padding:60px 0}.section-head{align-items:start;flex-direction:column}.grid3{grid-template-columns:1fr}.trust-wrap{grid-template-columns:1fr;gap:10px}.field-grid{grid-template-columns:1fr}.cta-band{padding:31px;flex-direction:column;align-items:start}.footer-grid{grid-template-columns:1fr 1fr;gap:23px}.footer-grid>div:first-child,.footer-grid>div:last-child{grid-column:1/-1}.footer-bottom{flex-direction:column}.inner-hero{padding:55px 0}.calc-result{padding:24px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important}}