:root{--ink:#16233F;--ink-2:#24365E;--signal:#FF7A2F;--signal-d:#C94F0C;--paper:#F6F7F9;--white:#fff;--mist:#E3E7EE;--slate:#46516A;--text:#1D2433;
--display:"Bricolage Grotesque",ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
--body:ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;--r:10px}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--white);color:var(--text);font:400 1.0625rem/1.65 var(--body)}
img{max-width:100%;height:auto}
a{color:var(--ink-2);text-decoration-color:var(--signal);text-decoration-thickness:2px;text-underline-offset:3px}
a:hover{color:var(--signal-d)}
:focus-visible{outline:3px solid var(--signal);outline-offset:2px;border-radius:3px}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:.6rem 1rem;z-index:10}
.skip:focus{left:1rem}
.wrap{max-width:1120px;margin:0 auto;padding:0 1.25rem}
.narrow{max-width:760px}
h1,h2,h3{font-family:var(--display);color:var(--ink);line-height:1.15;letter-spacing:-.01em}
h1{font-weight:800;font-size:clamp(2rem,4.5vw,3rem);margin:.4rem 0 .8rem}
h2{font-weight:700;font-size:1.6rem;margin:2.6rem 0 .8rem}
h3{font-weight:700;font-size:1.2rem;margin:1.8rem 0 .5rem}
/* header */
.site-head{background:var(--white);border-bottom:1px solid var(--mist);position:sticky;top:0;z-index:5}
.head-in{display:flex;align-items:center;justify-content:space-between;min-height:64px;gap:1rem}
.brand{display:flex;align-items:center;gap:.55rem;font:800 1.2rem var(--display);color:var(--ink);text-decoration:none}
.site-nav{display:flex;gap:1.4rem}
.site-nav a{color:var(--slate);text-decoration:none;font-weight:600;font-size:.97rem;padding:.3rem 0;border-bottom:2px solid transparent}
.site-nav a:hover,.site-nav a[aria-current]{color:var(--ink);border-bottom-color:var(--signal)}
.menu-btn{display:none;font:600 .95rem var(--body);background:none;border:1px solid var(--mist);border-radius:8px;padding:.45rem .8rem;color:var(--ink);cursor:pointer}
@media (max-width:820px){.menu-btn{display:block}.site-nav{display:none;position:absolute;left:0;right:0;top:64px;background:#fff;flex-direction:column;gap:0;border-bottom:1px solid var(--mist);padding:.5rem 1.25rem 1rem}
.site-nav.open{display:flex}.site-nav a{padding:.75rem 0;border-bottom:1px solid var(--mist)}}
/* page top */
.page-top{background:var(--paper);border-bottom:1px solid var(--mist);padding:1.8rem 0 2rem}
.crumbs{font-size:.88rem;color:var(--slate)}
.crumbs a{color:var(--slate)}
.crumbs .sep{margin:0 .45rem;color:#9aa3b5}
.lede{font-size:1.2rem;color:var(--slate);margin:0 0 .8rem;max-width:62ch}
.meta{font-size:.9rem;color:var(--slate);margin:.4rem 0}
.disclosure{font-size:.88rem;color:var(--slate);border-left:3px solid var(--signal);padding:.2rem 0 .2rem .8rem;margin:1rem 0 0}
/* prose */
.prose{padding-bottom:3.5rem}
.prose>p:first-child{margin-top:2rem}
.prose ul,.prose ol{padding-left:1.3rem}
.prose li{margin:.4rem 0}
.note{background:var(--paper);border:1px solid var(--mist);border-radius:var(--r);padding:1rem 1.2rem;font-size:.97rem}
.fine{font-size:.88rem;color:var(--slate)}
.table-wrap{overflow-x:auto;margin:1.2rem 0;border:1px solid var(--mist);border-radius:var(--r)}
table{border-collapse:collapse;width:100%;min-width:520px;font-size:.96rem}
th,td{text-align:left;vertical-align:top;padding:.75rem .9rem;border-bottom:1px solid var(--mist)}
thead th{background:var(--ink);color:#fff;font-weight:600}
tbody tr:last-child td{border-bottom:0}
tbody td:first-child{font-weight:600;color:var(--ink)}
.procon{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem}
.procon>div{border-top:4px solid var(--ink);padding-top:.2rem}
.procon>div+div{border-top-color:var(--mist)}
@media (max-width:640px){.procon{grid-template-columns:1fr}}
/* CTA */
.btn{display:inline-block;background:var(--signal);color:#1a0d04;font:700 1.02rem var(--body);text-decoration:none;padding:.85rem 1.4rem;border-radius:8px;border:2px solid var(--signal);min-height:48px}
.btn:hover{background:#ff8f4f;color:#1a0d04}
.btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.5)}
.btn.ghost:hover{border-color:#fff;color:#fff;background:rgba(255,255,255,.06)}
.cta{margin:1.4rem 0}
.cta-note{font-size:.82rem;color:var(--slate);margin:.45rem 0 0}
.ctabox{background:var(--ink);color:#DCE3F0;border-radius:14px;padding:1.6rem 1.6rem 1.2rem;margin:2.8rem 0 1rem;position:relative;overflow:hidden}
.ctabox::before{content:"";position:absolute;left:0;right:0;top:0;height:4px;background:var(--signal)}
.ctabox .ctabox-h{color:#fff;margin:.2rem 0 .5rem;font-size:1.4rem}
.ctabox .cta-note{color:#9fb0cf}
/* faq + related */
.faq details{border-bottom:1px solid var(--mist);padding:.9rem 0}
.faq summary{cursor:pointer;font-weight:700;color:var(--ink)}
.faq details div{margin-top:.5rem}
.related{margin-top:2.6rem;border-top:4px solid var(--ink);padding-top:.3rem}
.related ul{list-style:none;padding:0;margin:0}
.related li{padding:.75rem 0;border-bottom:1px solid var(--mist);display:flex;flex-direction:column}
.related a{font-weight:700}
.related span{font-size:.92rem;color:var(--slate)}
/* calculator */
.calc{border:2px solid var(--ink);border-radius:14px;padding:1.3rem;margin:1.2rem 0;background:var(--paper)}
.calc-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:1rem}
.calc label{display:flex;flex-direction:column;font-weight:600;font-size:.92rem;color:var(--ink);gap:.35rem}
.calc input{font:500 1.05rem var(--body);padding:.6rem .7rem;border:1px solid #b9c2d3;border-radius:8px;background:#fff;min-height:44px}
.calc-out{display:block;margin-top:1.2rem;background:#fff;border-radius:10px;border-left:5px solid var(--signal);padding:1rem 1.1rem}
.calc-out dl{display:grid;grid-template-columns:1fr auto;gap:.35rem 1rem;margin:0}
.calc-out dt{color:var(--slate)}.calc-out dd{margin:0;font-weight:700;color:var(--ink);text-align:right}
.calc-out p{margin:.8rem 0 0;font-weight:600}
.calc-fine{font-size:.85rem;color:var(--slate);margin:.8rem 0 0}
/* home */
.hero{background:var(--ink);color:#DCE3F0;padding:3.5rem 0 3.8rem}
.hero-in{display:grid;grid-template-columns:1.1fr .9fr;gap:3rem;align-items:center}
.hero h1{color:#fff;font-size:clamp(2.2rem,5vw,3.6rem);letter-spacing:-.02em;margin-top:0}
.hero .lede{color:#B9C5DC}
.hero-actions{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.5rem}
.wire{margin:0;position:relative}
.wire ol{list-style:none;margin:0;padding:0 0 0 2.2rem;position:relative;counter-reset:s}
.wire ol::before{content:"";position:absolute;left:.62rem;top:.9rem;bottom:.9rem;width:3px;background:linear-gradient(var(--signal),#2f4673)}
.wire ol::after{content:"";position:absolute;left:.38rem;top:.7rem;width:15px;height:15px;border-radius:50%;background:var(--signal);box-shadow:0 0 0 6px rgba(255,122,47,.25);animation:pulse 3.2s ease-in-out 1 forwards}
@keyframes pulse{0%{top:.7rem;opacity:1}85%{top:calc(100% - 1.6rem);opacity:1}100%{top:calc(100% - 1.6rem);opacity:.0}}
@media (prefers-reduced-motion:reduce){.wire ol::after{animation:none;display:none}}
.wire li{counter-increment:s;position:relative;margin:0 0 .75rem}
.wire li::before{content:counter(s);position:absolute;left:-2.2rem;top:.8rem;width:1.5rem;height:1.5rem;border-radius:50%;background:var(--ink);border:2px solid #4a6296;color:#fff;font:700 .78rem/1.3rem var(--body);text-align:center}
.wire a{display:block;text-decoration:none;background:var(--ink-2);border:1px solid #33497a;border-radius:10px;padding:.8rem 1rem}
.wire a:hover{border-color:var(--signal)}
.wire b{display:block;color:#fff;font:700 1.15rem var(--display)}
.wire span{color:#AEBBD6;font-size:.92rem}
.wire figcaption{font-size:.88rem;color:#93A3C3;padding-left:2.2rem;margin-top:.3rem}
@media (max-width:860px){.hero-in{grid-template-columns:1fr;gap:2rem}}
.home .prose{max-width:1120px}
.home-sec{max-width:760px}
.home-sec:first-child{max-width:none}
.paths{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:1rem;margin-top:1rem}
.path{display:block;text-decoration:none;border:1px solid var(--mist);border-left:4px solid var(--ink);border-radius:6px;padding:1rem 1.1rem;color:var(--text)}
.path:hover{border-left-color:var(--signal);color:var(--text)}
.path b{display:block;font:700 1.08rem var(--display);color:var(--ink);margin-bottom:.25rem}
.path span{font-size:.94rem;color:var(--slate)}
.link-list li{margin:.6rem 0}
/* footer */
.site-foot{background:var(--ink);color:#B9C5DC;font-size:.93rem;padding:2.8rem 0 1.2rem}
.site-foot a{color:#DCE3F0;text-decoration:none}.site-foot a:hover{color:var(--signal)}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr .7fr;gap:2rem}
.foot-grid ul{list-style:none;padding:0;margin:0}.foot-grid li{margin:.35rem 0}
.foot-brand{font:800 1.2rem var(--display);color:#fff;margin:0 0 .5rem}
.foot-h{font-weight:700;color:#fff;margin:0 0 .5rem}
.foot-legal{border-top:1px solid #2f4673;margin-top:2rem;padding-top:1rem;font-size:.85rem;color:#93A3C3}
@media (max-width:820px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.foot-grid{grid-template-columns:1fr}}