:root{--navy:#0b1f3a;--navy2:#12305a;--deep:#071427;--orange:#ff7a1a;--orange-d:#b4470a;--ink:#14213a;--muted:#4a5870;--bg:#f3f5f9;--card:#fff;--line:#dbe1ec;--soft:#fff3e8;--r:1rem;--shadow:0 1px 2px rgba(11,31,58,.06),0 8px 24px rgba(11,31,58,.06)}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:1rem}
body{margin:0;background:var(--bg);color:var(--ink);font:1.0625rem/1.75 system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;overflow-wrap:anywhere}
img{display:block;max-width:100%;height:auto}
a{color:#0b4a9e;text-underline-offset:.18em;text-decoration-thickness:.08em}
a:hover{color:var(--orange-d)}
:focus-visible{outline:3px solid var(--orange);outline-offset:3px;border-radius:.25rem}
main:focus-visible{outline:none}
.wrap{width:min(100% - 2rem,72rem);margin-inline:auto}
.skip{position:absolute;left:.75rem;top:-6rem;z-index:50;background:var(--orange);color:var(--navy);font-weight:700;padding:.75rem 1.1rem;border-radius:.6rem;text-decoration:none}
.skip:focus{top:.75rem}
.progress{position:fixed;inset:0 0 auto 0;height:3px;background:var(--orange);transform:scaleX(0);transform-origin:0 50%;z-index:40;pointer-events:none}
.strip{margin:0;background:var(--deep);color:#d6deec;font-size:.875rem;line-height:1.5;padding:.55rem 0}
.strip .wrap{display:flex;flex-wrap:wrap;gap:.25rem .75rem;align-items:center}
.age{display:inline-block;background:var(--orange);color:var(--navy);font-weight:800;border-radius:.4rem;padding:0 .45rem;line-height:1.5}
.site-header{background:var(--navy);color:#fff;border-bottom:1px solid rgba(255,255,255,.08)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:4.25rem}
.brand{display:inline-flex;align-items:center;gap:.65rem;min-height:44px;color:#fff;font-weight:800;font-size:1.15rem;letter-spacing:-.01em;text-decoration:none}
.brand:hover{color:#fff}
.mark{width:2rem;height:2rem;border-radius:.6rem;background:linear-gradient(135deg,var(--orange),#ffb36b);position:relative;flex:none}
.mark::after{content:"";position:absolute;inset:.45rem;border:3px solid var(--navy);border-radius:50%;border-right-color:transparent}
.primary{display:none;margin:0;padding:0;list-style:none;gap:.25rem}
.primary a,.menu-list a{display:flex;align-items:center;min-height:44px;padding:.35rem .9rem;border-radius:.6rem;color:#fff;text-decoration:none;font-weight:600}
.primary a:hover,.menu-list a:hover{background:rgba(255,255,255,.1);color:#fff}
.primary a[aria-current],.menu-list a[aria-current]{background:rgba(255,122,26,.18);box-shadow:inset 0 -3px var(--orange)}
.menu{position:relative}
.menu>summary{display:flex;align-items:center;gap:.6rem;min-height:44px;padding:.35rem 1rem;border:1px solid rgba(255,255,255,.3);border-radius:.7rem;color:#fff;font-weight:700;cursor:pointer;list-style:none;user-select:none}
.menu>summary::-webkit-details-marker{display:none}
.burger,.burger::before,.burger::after{display:block;width:1.15rem;height:2px;background:currentColor;border-radius:2px;content:""}
.burger{position:relative}
.burger::before{position:absolute;top:-6px}
.burger::after{position:absolute;top:6px}
.menu[open]>summary{background:var(--orange);border-color:var(--orange);color:var(--navy)}
.menu-panel{position:absolute;right:0;top:calc(100% + .6rem);z-index:30;width:min(88vw,22rem);max-height:75vh;overflow:auto;background:var(--navy2);border:1px solid rgba(255,255,255,.14);border-radius:var(--r);padding:.75rem;box-shadow:0 20px 40px rgba(0,0,0,.35)}
.menu-h{margin:.6rem .5rem .2rem;font-size:.75rem;letter-spacing:.1em;text-transform:uppercase;color:#ffc999}
.menu-list{margin:0;padding:0;list-style:none}
.hero{background:radial-gradient(60rem 30rem at 85% -10%,#1b4a86 0,transparent 60%),linear-gradient(160deg,var(--navy),var(--deep));color:#fff;padding:2rem 0 2.5rem}
.hero-grid{display:grid;gap:2rem;align-items:center}
.crumbs ol{display:flex;flex-wrap:wrap;gap:.1rem .5rem;margin:0 0 1.25rem;padding:0;list-style:none;font-size:.9rem;color:#c3cee2}
.crumbs li+li::before{content:"›";margin-right:.5rem;color:#ffb36b}
.crumbs a{color:#fff;display:inline-flex;min-height:44px;align-items:center;padding:.5rem 0}
.eyebrow{margin:0 0 .75rem;color:var(--orange);font-weight:800;font-size:.8125rem;letter-spacing:.14em}
h1{margin:0 0 1rem;font-size:clamp(2rem,1.2rem + 4.2vw,3.5rem);line-height:1.12;letter-spacing:-.02em;text-wrap:balance}
.lead{margin:0;font-size:clamp(1.0625rem,1rem + .5vw,1.25rem);line-height:1.65;color:#dfe7f5;max-width:40rem}
.meta{display:flex;flex-wrap:wrap;gap:.35rem 1.25rem;margin:1.25rem 0 0;padding:0;list-style:none;font-size:.9375rem;color:#c3cee2}
.cta{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1.75rem}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;min-height:48px;padding:.6rem 1.4rem;border-radius:.8rem;font-weight:800;text-decoration:none;border:2px solid transparent;transition:transform .15s,background-color .15s}
.btn-primary{background:var(--orange);color:var(--navy)}
.btn-primary:hover{background:#ff9446;color:var(--navy);transform:translateY(-1px)}
.btn-ghost{border-color:rgba(255,255,255,.45);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.1);color:#fff}
.art{margin:0;background:#fff;border-radius:1.25rem;padding:.5rem;box-shadow:0 24px 48px rgba(0,0,0,.35);border:1px solid rgba(255,255,255,.2)}
.art img{width:100%;border-radius:.9rem;background:#e9eef7}
.facts{display:grid;gap:.75rem;margin:-1.5rem 0 0;padding:0;list-style:none;grid-template-columns:repeat(auto-fit,minmax(min(100%,14rem),1fr));position:relative}
.facts li{background:var(--card);border:1px solid var(--line);border-top:4px solid var(--orange);border-radius:var(--r);padding:1rem 1.1rem;box-shadow:var(--shadow);line-height:1.5}
.facts b{display:block;margin-bottom:.2rem;font-size:.8125rem;letter-spacing:.1em;text-transform:uppercase;color:var(--orange-d)}
.layout{display:grid;grid-template-columns:minmax(0,1fr);gap:1.5rem;padding:2.5rem 0 1rem}
.layout>*{min-width:0}
.toc{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:1rem 1.1rem}
.toc-h{margin:0 0 .5rem;font-size:.8125rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.toc ol{display:flex;gap:.5rem;margin:0;padding:0 0 .25rem;list-style:none;overflow-x:auto;scroll-snap-type:x proximity}
.toc a{display:block;min-height:44px;line-height:2.8rem;white-space:nowrap;max-width:17rem;overflow:hidden;text-overflow:ellipsis;padding:0 1rem;border:1px solid var(--line);border-radius:999px;color:var(--navy);text-decoration:none;font-weight:600;font-size:.9375rem;scroll-snap-align:start}
.toc a:hover{background:var(--soft);border-color:var(--orange)}
.prose{min-width:0}
.sec{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:1.5rem 1.25rem;margin-bottom:1.25rem;box-shadow:var(--shadow);scroll-margin-top:1rem}
.sec>*:first-child{margin-top:0}
h2{margin:0 0 1rem;font-size:clamp(1.4rem,1.1rem + 1.4vw,2rem);line-height:1.25;letter-spacing:-.015em;color:var(--navy);text-wrap:balance}
h3{margin:0 0 .5rem;font-size:1.2rem;line-height:1.35;color:var(--navy)}
.sec p{margin:0 0 1.1rem;max-width:44rem}
.sec ul,.sec ol{margin:0 0 1.25rem;padding:0;list-style:none;max-width:44rem}
.sec li{position:relative;padding:.35rem 0 .35rem 2rem}
.sec ul>li::before{content:"";position:absolute;left:.35rem;top:1rem;width:.6rem;height:.6rem;border-radius:.2rem;background:var(--orange)}
.sec ol{counter-reset:s}
.sec ol>li{counter-increment:s}
.sec ol>li::before{content:counter(s);position:absolute;left:0;top:.4rem;width:1.5rem;height:1.5rem;border-radius:50%;background:var(--navy);color:#fff;font-size:.8125rem;font-weight:700;line-height:1.5rem;text-align:center}
.tbl{margin:0 0 1.5rem;border:1px solid var(--line);border-radius:.8rem;overflow:hidden}
table{width:100%;border-collapse:collapse;font-size:.9875rem;line-height:1.5}
caption{padding:.8rem 1rem;text-align:left;font-weight:700;color:var(--navy);background:#eef2f8}
th,td{padding:.75rem 1rem;text-align:left;vertical-align:top;border-top:1px solid var(--line)}
thead th{background:var(--navy);color:#fff;border-top:0;font-size:.875rem}
tbody th{color:var(--navy)}
tbody tr:nth-child(even){background:#f8f9fc}
.note{margin:0 0 1.5rem;padding:1rem 1.1rem;background:var(--soft);border-left:5px solid var(--orange);border-radius:.2rem .8rem .8rem .2rem;max-width:44rem}
.note b{display:block;color:var(--navy);margin-bottom:.2rem}
.note p{margin:0}
.links{display:flex;flex-wrap:wrap;gap:.6rem;margin:0;padding:0;list-style:none}
.sec .links li{padding:0}
.sec .links li::before{display:none}
.chip{display:inline-flex;align-items:center;gap:.5rem;min-height:44px;padding:.4rem 1.1rem;border-radius:.8rem;background:var(--navy);color:#fff;font-weight:700;text-decoration:none;line-height:1.35}
.chip:hover{background:var(--orange);color:var(--navy)}
.calc{background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;border-color:transparent}
.calc h2{color:#fff}
.calc p{color:#dfe7f5}
.calc form{display:grid;gap:1rem;grid-template-columns:repeat(auto-fit,minmax(min(100%,12rem),1fr))}
.calc form[hidden]{display:none}
.calc label{display:block;font-weight:700;font-size:.9375rem;margin-bottom:.3rem}
.calc input,.calc select{width:100%;min-height:48px;padding:.5rem .8rem;border:2px solid transparent;border-radius:.7rem;background:#fff;color:var(--ink);font:inherit}
.calc [aria-invalid=true]{border-color:#ff5a5a}
.calc button{min-height:48px;align-self:end;padding:.5rem 1.4rem;border:0;border-radius:.8rem;background:var(--orange);color:var(--navy);font:inherit;font-weight:800;cursor:pointer}
.calc button:hover{background:#ff9446}
.result{margin-top:1rem;padding:1rem 1.1rem;border-radius:.8rem;background:rgba(255,255,255,.1);min-height:3.5rem;font-weight:600;max-width:44rem}
.faq dl{margin:0}
.faq dt{margin:1.25rem 0 .35rem;font-weight:800;color:var(--navy);font-size:1.0625rem;line-height:1.4}
.faq dt:first-child{margin-top:0}
.faq dd{margin:0 0 .5rem;max-width:44rem;padding-left:1rem;border-left:3px solid var(--orange)}
.sources li{padding-left:0}
.sources li::before{display:none}
.band{padding:1.5rem 0 3rem}
.band h2{margin-bottom:1.25rem}
.cards{display:grid;gap:1rem;margin:0;padding:0;list-style:none;grid-template-columns:repeat(auto-fit,minmax(min(100%,16rem),1fr))}
.card{display:flex;flex-direction:column;height:100%;background:var(--card);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow);transition:transform .15s,box-shadow .15s}
.card:hover{transform:translateY(-3px);box-shadow:0 14px 32px rgba(11,31,58,.14)}
.card img{width:100%;aspect-ratio:4/3;object-fit:cover;background:#e9eef7}
.card div{display:flex;flex-direction:column;gap:.4rem;padding:1rem 1.1rem 1.25rem;flex:1}
.card .eyebrow{margin:0;color:var(--orange-d);font-size:.75rem}
.card h3{margin:0}
.card h3 a{color:var(--navy);text-decoration:none;display:block}
.card h3 a::after{content:"";position:absolute;inset:0}
.card{position:relative}
.card p{margin:0;color:var(--muted);font-size:.9875rem;line-height:1.55}
.card-go{margin-top:auto;padding-top:.5rem;font-weight:800;color:var(--orange-d)}
.card:focus-within{outline:3px solid var(--orange);outline-offset:2px}
.card h3 a:focus-visible{outline:none}
.cards-lg{grid-template-columns:repeat(auto-fit,minmax(min(100%,18rem),1fr))}
.cards-lg .card{border-top:4px solid var(--orange)}
.cards-sm .card{flex-direction:row;align-items:stretch}
.cards-sm .card img{width:6.5rem;aspect-ratio:auto;height:auto;flex:none}
.cards-sm{grid-template-columns:repeat(auto-fit,minmax(min(100%,20rem),1fr))}
.sub{margin:2rem 0 .75rem;font-size:1.0625rem;letter-spacing:.04em;color:var(--muted)}
.site-footer{background:var(--deep);color:#cdd6e6;padding:2.5rem 0 2rem;font-size:.9375rem;line-height:1.65}
.site-footer a{color:#fff;display:inline-flex;align-items:center;min-height:44px}
.site-footer h2{margin:0 0 .5rem;font-size:.8125rem;letter-spacing:.12em;text-transform:uppercase;color:#ffb36b}
.foot-grid{display:grid;gap:1.75rem}
.site-footer ul{margin:0;padding:0;list-style:none}
.site-footer p{margin:0 0 .75rem;max-width:36rem}
.legal{margin-top:1.75rem;padding-top:1.25rem;border-top:1px solid rgba(255,255,255,.14);color:#aebbd1}
.nf{padding:4rem 0;text-align:center}
.nf .btn{margin-top:1rem}
@media (min-width:40rem){
.sec{padding:2rem 2rem}
.foot-grid{grid-template-columns:1.4fr 1fr 1fr}
.hero{padding:2.5rem 0 3rem}
}
@media (min-width:60rem){
.primary{display:flex}
.menu{display:none}
.hero-grid{grid-template-columns:1.15fr .85fr;gap:3rem}
.hero{padding:3rem 0 4rem}
.layout{grid-template-columns:15rem minmax(0,1fr);gap:2.5rem;align-items:start;padding-top:3rem}
.toc{position:sticky;top:1.5rem}
.toc ol{display:block;overflow:visible;counter-reset:t}
.toc li{counter-increment:t}
.toc a{white-space:normal;max-width:none;overflow:visible;border:0;border-radius:.6rem;padding:.4rem .6rem;font-size:.9375rem;line-height:1.4}
.toc a::before{content:counter(t) ".";margin-right:.5rem;color:var(--orange-d);font-weight:800}
}
@media (max-width:22rem){.chip,.btn{width:100%}.sec{padding:1.25rem 1rem}}
@media (max-width:37.5rem){
.tbl{border:0;border-radius:0}
table,tbody,tr,th,td,caption{display:block}
thead{position:absolute;width:1px;height:1px;overflow:hidden;clip-path:inset(50%)}
caption{border-radius:.6rem .6rem 0 0}
tbody tr{margin-bottom:.75rem;border:1px solid var(--line);border-radius:.8rem;overflow:hidden;background:#fff!important}
tbody th{background:#eef2f8;border-top:0}
td{display:grid;grid-template-columns:minmax(5.5rem,34%) 1fr;gap:.75rem}
td::before{content:attr(data-label);font-weight:700;color:var(--muted);font-size:.8125rem;text-transform:uppercase;letter-spacing:.05em}
}
@media (prefers-reduced-motion:reduce){*,*::before,*::after{transition:none!important;animation:none!important;scroll-behavior:auto!important}.card:hover,.btn-primary:hover{transform:none}}
@media (prefers-reduced-motion:no-preference){html{scroll-behavior:smooth}}
@media (forced-colors:active){.chip,.btn,.card{border:1px solid ButtonText}}
@media print{.site-header,.strip,.progress,.toc,.cta,.site-footer{display:none}.sec{box-shadow:none}}