:root{--navy:#0a3a57;--navy2:#0e577f;--teal:#16a3a3;--teal-d:#11868a;--aqua:#c9efee;--ink:#192a33;--mut:#56697a;--line:#e2eaef;--bg:#f5f9fb;--card:#fff;--shadow:0 1px 2px rgba(16,40,60,.06),0 8px 24px rgba(16,40,60,.07);--radius:14px}
*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6;font-size:17px}
a{color:var(--navy2);text-decoration:none}a:hover{text-decoration:underline}
img,svg{max-width:100%}
h1,h2,h3,h4{color:var(--navy);line-height:1.22;letter-spacing:-.01em}
.wrap{max-width:1120px;margin:0 auto;padding:0 22px;width:100%}
:focus-visible{outline:3px solid var(--teal);outline-offset:2px;border-radius:4px}
.skip{position:absolute;left:-9999px;top:0;background:#fff;color:var(--navy);padding:10px 16px;z-index:200;border-radius:0 0 8px 0;font-weight:700}
.skip:focus{left:0}
header.site{position:sticky;top:0;z-index:60;background:var(--navy);color:#fff;box-shadow:0 2px 10px rgba(0,0,0,.16)}
header.site .wrap{display:flex;align-items:center;gap:18px;height:58px}
.logo{display:flex;align-items:center;gap:9px;color:#fff;font-weight:800;font-size:1.12rem;letter-spacing:.2px}.logo:hover{text-decoration:none}
.logomark{display:inline-grid;place-items:center;width:30px;height:30px;background:var(--teal);border-radius:8px;font-size:.82rem;font-weight:800;letter-spacing:0}
.mainnav{margin-left:auto;display:flex;align-items:center;gap:8px}
.mainnav a{color:#dbe9f0;font-weight:600;font-size:.93rem;padding:8px 11px;border-radius:8px}
.mainnav a:hover{color:#fff;background:rgba(255,255,255,.09);text-decoration:none}
.mainnav a.hl{background:var(--teal);color:#fff}.mainnav a.hl:hover{background:var(--teal-d)}
#navsearch{background:#08324c;border:1px solid #2a5a78;color:#fff;border-radius:8px;padding:8px 11px;width:180px;font-size:.9rem}
#navsearch::placeholder{color:#9fc0d2}
.navtog{display:none;margin-left:auto;background:none;border:0;color:#fff;font-size:1.6rem;cursor:pointer;line-height:1;padding:4px 8px;border-radius:8px}
.searchresults{display:none;position:absolute;right:22px;top:58px;background:#fff;color:var(--ink);width:min(440px,92vw);max-height:64vh;overflow:auto;border:1px solid var(--line);border-radius:0 0 12px 12px;box-shadow:var(--shadow)}
.searchresults.on{display:block}.searchresults a{display:block;padding:11px 15px;border-bottom:1px solid var(--line)}
.searchresults a:hover{background:var(--bg);text-decoration:none}.searchresults .c{font-size:.7rem;color:var(--teal-d);font-weight:800;text-transform:uppercase;letter-spacing:.4px}
.hero{background:radial-gradient(1200px 400px at 80% -10%,rgba(22,163,163,.55),transparent),linear-gradient(135deg,var(--navy),var(--navy2) 60%,#15788c);color:#fff;padding:56px 0}
.hero.alt{padding:46px 0}
.herowrap{display:grid;grid-template-columns:1.15fr .85fr;gap:38px;align-items:center}
.herotext h1{font-size:clamp(2rem,4.4vw,3rem);margin:0 0 14px;color:#fff}
.hl2{color:var(--aqua)}
.hero .lead{font-size:1.16rem;color:#e9f5f6;max-width:620px;margin:0}
.trust{list-style:none;display:flex;flex-wrap:wrap;gap:9px;padding:0;margin:20px 0 0}
.trust li{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.22);color:#eafaf9;font-size:.84rem;font-weight:600;padding:6px 12px;border-radius:999px}
.trust li::before{content:"\2713 ";color:var(--aqua);font-weight:800}
.lead{font-size:1.1rem;color:var(--mut)}
.sublead{color:var(--mut);font-size:.95rem;margin:.2rem 0 0}
main{display:block}
section.wrap,.altband{padding:44px 0}
section.wrap{max-width:1120px;margin:0 auto;padding-left:22px;padding-right:22px}
.altband{background:var(--bg);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sechead{display:flex;align-items:baseline;justify-content:space-between;gap:16px;flex-wrap:wrap}
h2{font-size:1.6rem;margin:0 0 4px}
.sechead h2,.altband h2{position:relative;padding-bottom:8px;margin-bottom:6px}
.sechead h2::after,.altband h2::after{content:"";position:absolute;left:0;bottom:0;width:54px;height:3px;background:var(--teal);border-radius:2px}
.seelink{font-weight:700;color:var(--teal-d);white-space:nowrap}
.emailcard{background:#fff;color:var(--ink);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow);border:1px solid var(--line)}
.heroform .emailcard{box-shadow:0 18px 50px rgba(0,0,0,.28)}
.emailform h3{margin:0 0 5px;font-size:1.2rem}.emailform p{margin:0 0 14px;color:var(--mut);font-size:.95rem}
.emailform .row{display:flex;gap:9px;flex-wrap:wrap}
.emailform input[type=email]{flex:1;min-width:200px;padding:13px 15px;border:1.5px solid var(--line);border-radius:10px;font-size:1rem;color:var(--ink)}
.emailform input[type=email]:focus{border-color:var(--teal);outline:none}
.emailform button{background:var(--teal);color:#fff;border:0;border-radius:10px;padding:13px 22px;font-weight:800;font-size:1rem;cursor:pointer;transition:background .15s}
.emailform button:hover{background:var(--teal-d)}.emailform small{color:var(--mut);display:block;margin-top:9px;font-size:.8rem}
.catgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:16px;margin-top:22px}
.catcard{display:flex;gap:14px;align-items:flex-start;border:1px solid var(--line);border-radius:var(--radius);padding:18px;background:var(--card);box-shadow:var(--shadow);transition:transform .15s,box-shadow .15s,border-color .15s}
.catcard:hover{transform:translateY(-4px);box-shadow:0 14px 30px rgba(16,40,60,.13);border-color:var(--teal);text-decoration:none}
.caticon{flex:0 0 auto;display:grid;place-items:center;width:46px;height:46px;border-radius:11px;background:var(--aqua);color:var(--navy)}
.caticon .ci{width:24px;height:24px}
.caticon.big{width:60px;height:60px;border-radius:14px}.caticon.big .ci{width:30px;height:30px}
.catbody{display:flex;flex-direction:column;gap:3px;min-width:0}
.cattitle{font-weight:800;color:var(--navy);font-size:1.06rem}
.catdesc{color:var(--mut);font-size:.9rem;line-height:1.45}
.catcard .count{color:var(--teal-d);font-weight:800;font-size:.84rem;margin-top:6px}
.artgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:16px;margin-top:22px}
.artcard{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:var(--radius);padding:18px;background:var(--card);box-shadow:var(--shadow);transition:transform .15s,box-shadow .15s,border-color .15s}
.artcard:hover{box-shadow:0 14px 30px rgba(16,40,60,.13);border-color:var(--teal);text-decoration:none;transform:translateY(-4px)}
.artcard h3{margin:10px 0 6px;font-size:1.08rem}.artcard p{color:var(--mut);font-size:.92rem;margin:0 0 12px}
.rdmore{margin-top:auto;color:var(--teal-d);font-weight:800;font-size:.86rem}
.tag{align-self:flex-start;display:inline-block;background:var(--aqua);color:#06484b;font-size:.68rem;font-weight:800;text-transform:uppercase;padding:4px 9px;border-radius:999px;letter-spacing:.5px}
.mini{display:inline-block;font-size:.62rem;background:#ffe9c7;color:#8a5a00;padding:3px 8px;border-radius:999px;font-weight:800;text-transform:uppercase;letter-spacing:.4px;align-self:flex-start}
.crumb{font-size:.86rem;color:var(--mut);margin:4px 0 14px}
.crumb a{color:var(--mut)}.crumb a:hover{color:var(--navy2)}.crumb .sep{opacity:.5;padding:0 6px}
.crumb [aria-current]{color:var(--ink);font-weight:600}
.pagehead{display:flex;gap:18px;align-items:center;margin:6px 0 8px;border:0;background:none;padding:0}
.pagehead h1{margin:0}
.article{max-width:860px;margin:0 auto;padding:30px 22px 10px}
.article>h1{font-size:clamp(1.7rem,3.4vw,2.3rem);margin:.3rem 0 .6rem}
.article .body{font-size:1.09rem;line-height:1.75;max-width:70ch}
.article .body>*{max-width:70ch}
.article .body p{margin:0 0 1.05em}
.article .body h2{font-size:1.42rem;margin:2em 0 .5em;padding-bottom:.3em;border-bottom:2px solid var(--line)}
.article .body h3{font-size:1.16rem;margin:1.5em 0 .4em;color:var(--navy2)}
.article .body ul,.article .body ol{margin:0 0 1.05em;padding-left:1.4em}.article .body li{margin:.32em 0}
.article .body a{color:var(--navy2);text-decoration:underline}
.article .body strong{color:var(--navy)}
.article .body table{border-collapse:collapse;width:100%;margin:1.3em 0;font-size:.93rem;max-width:100%}
.article .body th,.article .body td{border:1px solid var(--line);padding:9px 12px;text-align:left;vertical-align:top}
.article .body th{background:var(--navy);color:#fff}.article .body tr:nth-child(even) td{background:var(--bg)}
.article .body blockquote{margin:1.2em 0;padding:.6em 1.1em;border-left:4px solid var(--teal);background:var(--bg);color:#33454f;border-radius:0 8px 8px 0}
.note{border-radius:10px;padding:13px 16px;margin:18px 0;font-size:.96rem}.note.warn{background:#fff6e6;border-left:4px solid #e0a226}
.toolcta{display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap;background:linear-gradient(135deg,#0a3a57,#13788c);color:#fff;border-radius:var(--radius);padding:22px 24px;margin:30px 0}
.toolctatext strong{font-size:1.12rem;display:block;margin-bottom:3px}.toolctatext p{margin:0;color:#dceff1;font-size:.95rem}
.btn{display:inline-block;background:var(--teal);color:#fff;padding:13px 26px;border-radius:10px;font-weight:800;transition:background .15s,transform .15s}
.btn:hover{background:var(--teal-d);text-decoration:none;transform:translateY(-1px)}
.ctabtn{background:#fff;color:var(--navy);white-space:nowrap}.ctabtn:hover{background:#eafaf9}
.related{margin:34px 0 8px;border-top:1px solid var(--line);padding-top:22px}.related h2{font-size:1.25rem;margin:0 0 14px}
.relgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:12px}
.relcard{display:flex;flex-direction:column;gap:8px;border:1px solid var(--line);border-radius:12px;padding:14px 16px;background:var(--card);box-shadow:var(--shadow);transition:border-color .15s,transform .15s}
.relcard:hover{border-color:var(--teal);text-decoration:none;transform:translateY(-2px)}.relcard strong{color:var(--navy);font-size:.98rem;line-height:1.3}
.ctaband{background:var(--navy);color:#fff;padding:48px 0;text-align:center}.ctaband h2{color:#fff}.ctaband h2::after{left:50%;transform:translateX(-50%)}
.ctaband p{color:#cfe4ee;max-width:640px;margin:8px auto 0}.ctaband .btn{margin-top:18px}
.guidegrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:16px;margin-top:8px}
.guidecard{border:1px solid var(--line);border-radius:var(--radius);padding:22px;position:relative;background:var(--card);box-shadow:var(--shadow)}
.guidecard .num{position:absolute;top:14px;right:18px;font-size:1.7rem;font-weight:800;color:var(--aqua)}
.guidecard h3{margin:0 0 7px;font-size:1.06rem;max-width:85%}.guidecard p{margin:0;color:var(--mut);font-size:.9rem}
footer.site{background:#072c43;color:#cfe0ea}
footer .emailfoot{background:var(--navy2);padding:34px 22px}footer .emailfoot .emailform{max-width:700px;margin:0 auto}
footer .emailfoot .emailcard{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.18);box-shadow:none}
footer .emailfoot h3{color:#fff}footer .emailfoot p{color:#dbeef0}footer .emailfoot small{color:#aecbd8}
footer .emailfoot input[type=email]{background:#fff}
footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1.4fr;gap:30px;padding:38px 22px;max-width:1120px;margin:0 auto}
footer .cols a{color:var(--aqua)}footer strong{color:#fff;display:block;margin-bottom:8px}
footer p{color:#cfe0ea;font-size:.92rem;margin:.4em 0}
.catcols{list-style:none;padding:0;margin:0;columns:2;font-size:.9rem}.catcols li{margin:5px 0}
.copy{text-align:center;padding:18px;border-top:1px solid #0e3a55;font-size:.82rem;color:#8fb0c2}
@media(max-width:860px){.herowrap{grid-template-columns:1fr;gap:26px}footer .cols{grid-template-columns:1fr 1fr}}
@media(max-width:760px){
.navtog{display:block}
.mainnav{display:none;position:absolute;top:58px;left:0;right:0;background:var(--navy);flex-direction:column;align-items:stretch;padding:12px 18px 18px;gap:6px;box-shadow:0 12px 24px rgba(0,0,0,.25)}
body.navopen .mainnav{display:flex}
.mainnav a{padding:11px 12px}#navsearch{width:100%}
.searchresults{right:0;left:0;width:100%;border-radius:0}
.toolcta{flex-direction:column;align-items:flex-start}.ctabtn{width:100%;text-align:center}
footer .cols{grid-template-columns:1fr;gap:22px}
.pagehead{gap:14px}.caticon.big{width:48px;height:48px}
}
@media(max-width:420px){.trust li{font-size:.78rem}.article .body{font-size:1.05rem}}