:root{--navy: #09183d;--navy-700: #13244d;--steel: #2b6cb0;--accent: #30c1bd;--accent-dark: #1f9e99;--accent-ink: #0c6b67;--ink: #1a1f24;--muted: #5b6570;--line: #e2e6ea;--bg: #ffffff;--bg-alt: #f5f7f9;--maxw: 1120px;--font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;--serif: Georgia, "Times New Roman", serif}*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}h1,h2,h3{font-family:var(--serif);color:var(--navy);line-height:1.2;font-weight:700}h1{font-size:clamp(2rem,4vw,3rem);margin:0 0 .5em}h2{font-size:clamp(1.5rem,2.6vw,2.1rem);margin:1.6em 0 .5em}h3{font-size:1.25rem;margin:1.4em 0 .4em}p{margin:0 0 1em}a{color:var(--steel);text-decoration:none}a:hover{text-decoration:underline}img{max-width:100%;height:auto}.container{max-width:var(--maxw);margin:0 auto;padding:0 1.25rem}.section{padding:3.5rem 0}.section-alt{background:var(--bg-alt)}.lede{font-size:1.2rem;color:var(--muted)}.eyebrow{text-transform:uppercase;letter-spacing:.09em;font-size:.8rem;font-weight:700;color:var(--accent-ink);font-family:var(--font)}.btn{display:inline-block;padding:.8rem 1.5rem;border-radius:4px;font-weight:600;font-family:var(--font);cursor:pointer;border:2px solid transparent;transition:.15s}.btn-primary{background:var(--accent);color:var(--navy);font-weight:700}.btn-primary:hover{background:var(--accent-dark);color:var(--navy);text-decoration:none}.btn-outline{border-color:currentColor;color:var(--navy)}.btn-outline:hover{background:var(--navy);color:#fff;text-decoration:none}.grid{display:grid;gap:1.5rem}@media (min-width: 720px){.grid-3{grid-template-columns:repeat(3,1fr)}.grid-2{grid-template-columns:repeat(2,1fr)}}.card{background:#fff;border:1px solid var(--line);border-radius:8px;padding:1.5rem}.card h3{margin-top:0}.site-header{border-bottom:1px solid var(--line);position:sticky;top:0;background:#fffffff7;backdrop-filter:blur(6px);z-index:50}.site-header .container{display:flex;align-items:center;justify-content:space-between;min-height:68px;gap:1rem}.brand{font-family:var(--serif);font-weight:700;color:var(--navy);font-size:1.25rem;letter-spacing:.01em}.brand small{display:block;font-family:var(--font);font-size:.62rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);font-weight:600}.main-nav{display:flex;gap:1.15rem;align-items:center;flex-wrap:wrap}.main-nav a{color:var(--navy);font-weight:600;font-size:.95rem}.header-cta{background:var(--navy);color:#fff!important;padding:.5rem .9rem;border-radius:4px}.header-cta:hover{background:var(--steel);text-decoration:none}@media (max-width: 860px){.main-nav{display:none}.main-nav.mobile-open{display:flex;position:absolute;top:68px;left:0;right:0;background:#fff;flex-direction:column;padding:1rem 1.25rem;border-bottom:1px solid var(--line)}}.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:4px;padding:.4rem .6rem;font-size:1.1rem}@media (max-width: 860px){.nav-toggle{display:block}}.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-700) 60%,var(--steel) 140%);color:#fff;padding:4.5rem 0}.hero h1{color:#fff;max-width:16ch}.hero p{color:#d7e2ee;font-size:1.25rem;max-width:55ch}.hero .btn-outline{color:#fff}.hero-actions{display:flex;gap:1rem;flex-wrap:wrap;margin-top:1.5rem}.pillar h3 a{color:var(--navy)}.pillar .more{font-weight:600}.site-footer{background:var(--navy);color:#c9d4df;padding:3rem 0 2rem;font-size:.95rem}.site-footer a{color:#fff}.site-footer h4{color:#fff;font-family:var(--font);font-size:.85rem;text-transform:uppercase;letter-spacing:.08em;margin:0 0 .8rem}.footer-cols{display:grid;gap:2rem;grid-template-columns:1fr}@media (min-width: 720px){.footer-cols{grid-template-columns:2fr 1fr 1fr}}.footer-disclosure{border-top:1px solid rgba(255,255,255,.15);margin-top:2rem;padding-top:1.25rem;font-size:.82rem;color:#9fb0c0}.prose{max-width:72ch}.prose p{margin:0 0 1.15em}.article-meta{color:var(--muted);font-size:.9rem;margin-bottom:1.5rem}.tier-badge{display:inline-block;font-size:.7rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;padding:.15rem .5rem;border-radius:3px;background:var(--bg-alt);color:var(--steel)}.video-slot{position:relative;aspect-ratio:16/9;background:var(--bg-alt);border:1px dashed var(--line);border-radius:8px;display:flex;align-items:center;justify-content:center;color:var(--muted);text-align:center;padding:1rem}.form-row{margin-bottom:1.1rem}.form-row label{display:block;font-weight:600;margin-bottom:.3rem;font-size:.92rem}.form-row input,.form-row select,.form-row textarea{width:100%;padding:.7rem .8rem;border:1px solid var(--line);border-radius:5px;font:inherit}.form-row textarea{min-height:130px;resize:vertical}.form-note{font-size:.85rem;color:var(--muted)}.form-status{padding:.8rem 1rem;border-radius:5px;margin-bottom:1rem;display:none}.form-status.ok{display:block;background:#e8f5ec;color:#1c6b38}.form-status.err{display:block;background:#fdecec;color:#9b2226}.claims-band{border-left:4px solid var(--accent);background:var(--bg-alt);padding:1.5rem;border-radius:0 8px 8px 0}.claims-band .role{color:var(--accent-ink);font-weight:700;font-size:.9rem}.disclaimer{font-size:.85rem;color:var(--muted);font-style:italic;border-top:1px solid var(--line);padding-top:1rem;margin-top:1.5rem}table.results{width:100%;border-collapse:collapse;margin:1rem 0}table.results th,table.results td{text-align:left;padding:.6rem .8rem;border-bottom:1px solid var(--line);font-size:.95rem}table.results th{background:var(--bg-alt)}.skip-link{position:absolute;left:-999px;top:0;background:#fff;padding:.5rem 1rem}.skip-link:focus{left:0;z-index:100}