:root{--navy:#12224a;--navy-700:#1b3168;--navy-500:#24408a;--accent:#3b6ef6;--accent-600:#2b57cc;--ink:#0f172a;--muted:#5b6478;--line:#e6e9f0;--bg:#fff;--bg-soft:#f6f8fc;--card:#fff;--radius:16px;--radius-lg:24px;--shadow:0 2px 8px rgba(18,34,74,.06),0 12px 32px rgba(18,34,74,.06);--maxw:1080px;--font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}a{color:var(--accent-600);text-decoration:none}a:hover{text-decoration:underline}.container{max-width:var(--maxw);margin:0 auto;padding:0 20px}.site-header{position:-webkit-sticky;position:sticky;top:0;z-index:20;background:hsla(0,0%,100%,.85);-webkit-backdrop-filter:saturate(180%) blur(12px);backdrop-filter:saturate(180%) blur(12px);border-bottom:1px solid var(--line)}.site-header .bar{display:flex;align-items:center;justify-content:space-between;height:60px}.brand{display:inline-flex;align-items:center;gap:10px;font-weight:800;letter-spacing:-.02em;font-size:20px;color:var(--navy)}.brand:hover{text-decoration:none}.brand .dot{width:12px;height:12px;border-radius:50%;background:var(--accent);display:inline-block}.nav{display:flex;gap:22px;align-items:center}.nav a{color:var(--navy-700);font-weight:500;font-size:15px}.nav .btn{color:#fff}@media (max-width:640px){.nav a.nav-link{display:none}}.btn{display:inline-flex;align-items:center;gap:8px;background:var(--accent);color:#fff;font-weight:600;font-size:15px;padding:11px 20px;border-radius:999px;border:none;cursor:pointer;transition:transform .12s ease,background .12s ease}.btn:hover{background:var(--accent-600);text-decoration:none;transform:translateY(-1px)}.btn-ghost{background:transparent;color:var(--navy);border:1px solid var(--line)}.btn-ghost:hover{background:var(--bg-soft)}.hero{background:linear-gradient(180deg,var(--navy) 0,var(--navy-500) 100%);color:#fff;padding:64px 0 72px}.hero h1{font-size:clamp(30px,5vw,48px);line-height:1.1;letter-spacing:-.03em;margin:0 0 16px;max-width:760px}.hero p.lead{font-size:clamp(16px,2.2vw,20px);color:#d6def5;max-width:640px;margin:0 0 28px}.hero .cta-row{display:flex;gap:12px;flex-wrap:wrap}.hero .btn-ghost{color:#fff;border-color:hsla(0,0%,100%,.35)}.hero .btn-ghost:hover{background:hsla(0,0%,100%,.08)}.eyebrow{display:inline-block;font-size:13px;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--accent);margin-bottom:14px}.hero .eyebrow{color:#9fc0ff}section.block{padding:56px 0}section.block.soft{background:var(--bg-soft)}h2.section-title{font-size:clamp(22px,3.2vw,30px);letter-spacing:-.02em;margin:0 0 8px;color:var(--navy)}.section-sub{color:var(--muted);margin:0 0 28px;max-width:640px}.prose h2{font-size:24px;letter-spacing:-.01em;color:var(--navy);margin:36px 0 12px}.prose p{margin:0 0 16px;color:#26324a}.prose ul{margin:0 0 16px;padding-left:20px}.prose li{margin-bottom:8px}.grid{display:grid;grid-gap:16px;gap:16px}.grid.cols-3{grid-template-columns:repeat(3,1fr)}.grid.cols-4{grid-template-columns:repeat(4,1fr)}.grid.cols-2{grid-template-columns:repeat(2,1fr)}@media (max-width:860px){.grid.cols-3,.grid.cols-4{grid-template-columns:repeat(2,1fr)}}@media (max-width:560px){.grid.cols-2,.grid.cols-3,.grid.cols-4{grid-template-columns:1fr}}.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:18px;box-shadow:var(--shadow);transition:transform .12s ease,box-shadow .12s ease;display:block}a.card:hover{text-decoration:none;transform:translateY(-2px);box-shadow:0 4px 12px rgba(18,34,74,.1),0 18px 40px rgba(18,34,74,.08)}.card .title{font-weight:700;color:var(--navy);margin:0 0 4px}.card 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52px;align-items:center;grid-gap:12px;gap:12px;font-size:14px}.bar-track{background:var(--bg-soft);border-radius:999px;height:12px;overflow:hidden;border:1px solid var(--line)}.bar-fill{height:100%;background:linear-gradient(90deg,var(--accent),var(--navy-500));border-radius:999px}.bar-row .pct{text-align:right;color:var(--muted);font-feature-settings:"tnum";font-variant-numeric:tabular-nums}.faq details{border:1px solid var(--line);border-radius:var(--radius);padding:4px 18px;margin-bottom:10px;background:var(--card)}.faq summary{cursor:pointer;font-weight:600;color:var(--navy);padding:14px 0;list-style:none}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";float:right;color:var(--accent);font-weight:700}.faq details[open] summary:after{content:"–"}.faq p{margin:0 0 14px;color:#33405c}.cta-band{background:linear-gradient(180deg,var(--navy) 0,var(--navy-500) 100%);color:#fff;border-radius:var(--radius-lg);padding:40px 32px;text-align:center}.cta-band h2{font-size:clamp(22px,3.4vw,30px);letter-spacing:-.02em;margin:0 0 8px}.cta-band p{color:#d6def5;max-width:520px;margin:0 auto 20px}.cta-band .btn-ghost{color:#fff;border-color:hsla(0,0%,100%,.35)}.site-footer{border-top:1px solid var(--line);background:var(--bg-soft);padding:40px 0 48px;margin-top:40px}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;grid-gap:24px;gap:24px}@media (max-width:760px){.footer-grid{grid-template-columns:1fr 1fr}}.site-footer h4{font-size:13px;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);margin:0 0 12px}.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin-bottom:8px}.site-footer a{color:var(--navy-700);font-size:14px}.footer-legal{font-size:13px;margin-top:28px;border-top:1px solid var(--line);padding-top:20px}.footer-legal,.muted{color:var(--muted)}.small{font-size:13px}.mt-32{margin-top:32px}.mt-40{margin-top:40px}