:root{--ink: #102530;--ink-2: #3a5561;--ink-3: #6b8592;--deep: #0d3b49;--deep-2: #0a2f3a;--teal: #12707f;--aqua: #17b3a0;--aqua-dark: #0e8f7f;--sand: #f7f2e9;--mist: #edf4f4;--line: #dbe7e7;--white: #ffffff;--gold: #e8a13c;--radius: 14px;--shadow: 0 1px 2px rgba(13, 59, 73, .06), 0 6px 24px -6px rgba(13, 59, 73, .12);--shadow-lg: 0 2px 4px rgba(13, 59, 73, .07), 0 18px 44px -10px rgba(13, 59, 73, .22);--max: 1140px;--font: ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif}*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:var(--font);color:var(--ink);background:var(--white);line-height:1.6;font-size:16.5px;-webkit-font-smoothing:antialiased}img{max-width:100%;display:block}a{color:var(--teal);text-decoration:none}a:hover{color:var(--aqua-dark)}.wrap{max-width:var(--max);margin:0 auto;padding:0 22px}h1,h2,h3{line-height:1.15;letter-spacing:-.02em;color:var(--deep-2);font-weight:800}h1{font-size:clamp(2rem,4.6vw,3.1rem)}h2{font-size:clamp(1.45rem,3vw,2.1rem);margin-bottom:.5em}h3{font-size:1.15rem;font-weight:700}.lead{font-size:clamp(1.05rem,1.8vw,1.25rem);color:var(--ink-2);max-width:46em}.eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--aqua-dark);margin-bottom:14px}.site-header{position:sticky;top:0;z-index:50;background:#ffffffeb;backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}.site-header .wrap{display:flex;align-items:center;gap:26px;height:64px}.brand{font-weight:800;font-size:1.02rem;color:var(--deep);letter-spacing:-.01em;display:flex;align-items:center;gap:10px}.brand:hover{color:var(--teal)}.brand .drop{width:26px;height:26px;border-radius:8px;background:var(--deep);display:grid;place-items:center;flex:none}.brand .drop 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rgba(255,255,255,.4)}.btn-ghost:hover{border-color:#fff;color:#fff}.btn-dark{background:var(--deep);color:#fff}.btn-dark:hover{background:var(--teal);color:#fff}.cta-row{display:flex;flex-wrap:wrap;gap:14px;margin-top:30px}section{padding:72px 0}.section-mist{background:var(--mist)}.section-sand{background:var(--sand)}.section-deep{background:var(--deep);color:#fff}.section-deep h2,.section-deep h3{color:#fff}.section-head{max-width:46em;margin-bottom:40px}@media(max-width:700px){section{padding:52px 0}}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}@media(max-width:900px){.grid-3{grid-template-columns:repeat(2,1fr)}}@media(max-width:620px){.grid-3,.grid-2{grid-template-columns:1fr}}.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow);transition:transform .14s ease,box-shadow .14s 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4px;background:none;border:none;cursor:pointer;color:var(--deep-2);display:flex;justify-content:space-between;align-items:center;gap:16px}.faq-q:after{content:"+";font-size:1.5rem;font-weight:400;color:var(--aqua-dark);flex:none;transition:transform .18s}.faq-item.open .faq-q:after{transform:rotate(45deg)}.faq-a{max-height:0;overflow:hidden;transition:max-height .25s ease}.faq-a p{padding:0 4px 20px;color:var(--ink-2);font-size:.96rem;max-width:52em}.tbl{width:100%;border-collapse:collapse;background:var(--white);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);font-size:.94rem}.tbl th{background:var(--deep);color:#fff;text-align:left;padding:13px 16px;font-size:.85rem;letter-spacing:.03em}.tbl td{padding:12px 16px;border-bottom:1px solid var(--line)}.tbl tr:last-child td{border-bottom:none}.tbl td:first-child{font-weight:600}.cta-band{background:linear-gradient(120deg,var(--deep),var(--teal));color:#fff;border-radius:20px;padding:46px 44px;display:flex;align-items:center;gap:30px;flex-wrap:wrap;justify-content:space-between}.cta-band h2{color:#fff;margin:0}.cta-band p{color:#fffc;margin-top:6px;max-width:34em}.site-footer{background:var(--deep-2);color:#ffffffb8;padding:54px 0 90px;font-size:.9rem}.site-footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px}.site-footer h4{color:#fff;font-size:.9rem;margin-bottom:12px}.site-footer a{color:#ffffffb8;display:block;padding:4px 0}.site-footer a:hover{color:var(--aqua)}.site-footer .fine{margin-top:36px;padding-top:22px;border-top:1px solid rgba(255,255,255,.12);font-size:.82rem}@media(max-width:760px){.site-footer .cols{grid-template-columns:1fr 1fr}}.sticky-cta{display:none;position:fixed;left:0;right:0;bottom:0;z-index:60;background:var(--deep);padding:10px 14px calc(10px + env(safe-area-inset-bottom));box-shadow:0 -6px 24px #00000040}.sticky-cta a{display:block;text-align:center;background:var(--aqua);color:#fff;font-weight:700;padding:13px;border-radius:10px}@media(max-width:700px){.sticky-cta{display:block}}.notice{background:#fdf6e7;border:1px solid #eeddab;border-radius:12px;padding:16px 20px;font-size:.92rem;color:#6d5a1e}.page-hero{background:var(--deep);color:#fff;padding:58px 0 62px;position:relative;overflow:hidden}.page-hero:before{content:"";position:absolute;inset:0;background:radial-gradient(900px 400px at 85% -20%,rgba(23,179,160,.25),transparent 60%)}.page-hero .wrap{position:relative}.page-hero h1{color:#fff}.page-hero .lead{color:#fffc}.breadcrumbs{font-size:.82rem;color:#fff9;margin-bottom:14px}.breadcrumbs a{color:#ffffffbf}.prose{max-width:52em}.prose p{margin-bottom:1em;color:var(--ink-2)}.prose h3{margin:1.4em 0 .5em}.prose ul{margin:0 0 1em 1.2em;color:var(--ink-2)}.prose li{margin-bottom:.35em}.profile-grid{display:grid;grid-template-columns:2fr 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