:root{--navy-900: #0b1f33;--navy-800: #10293f;--navy-700: #16344f;--navy-100: #e3ebf3;--teal-600: #0d8a68;--teal-500: #10a37b;--teal-100: #e0f4ec;--ink: #1d2733;--ink-soft: #46586b;--paper: #fafaf8;--card: #ffffff;--line: #dde5ec;--radius: 10px;--maxw: 72rem;--font: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif}*{box-sizing:border-box}html{font-family:var(--font);color:var(--ink);background:var(--paper);scroll-behavior:smooth}body{margin:0;font-size:1.0625rem;line-height:1.65}h1,h2,h3,h4{color:var(--navy-900);line-height:1.2;font-weight:700}h1{font-size:clamp(1.9rem,4vw,2.75rem);margin:0 0 .75rem;letter-spacing:-.02em}h2{font-size:clamp(1.4rem,3vw,1.9rem);margin:2.5rem 0 .75rem;letter-spacing:-.01em}h3{font-size:1.2rem;margin:1.75rem 0 .5rem}p{margin:0 0 1rem}a{color:var(--teal-600);text-decoration-thickness:1px;text-underline-offset:2px}a:hover{color:var(--navy-800)}.container{max-width:var(--maxw);margin:0 auto;padding:0 1.25rem}.narrow{max-width:52rem}main{padding:2.5rem 0 4rem}.site-header{background:var(--navy-900);color:#fff}.site-header .container{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding-top:.9rem;padding-bottom:.9rem;flex-wrap:wrap}.brand{display:flex;align-items:center;gap:.55rem;color:#fff;text-decoration:none;font-weight:800;font-size:1.15rem;letter-spacing:-.01em}.brand:hover{color:#fff;opacity:.9}.brand-accent{color:var(--teal-500)}.brand svg{flex:none}.site-nav{display:flex;align-items:center;gap:1.1rem;flex-wrap:wrap}.site-nav a{color:#cfdce8;text-decoration:none;font-size:.95rem;font-weight:500}.site-nav a:hover,.site-nav a[aria-current=page]{color:#fff}.nav-cta{background:var(--teal-500);color:#fff!important;padding:.5rem 1rem;border-radius:999px;font-weight:700}.nav-cta:hover{background:var(--teal-600)}.hero{background:linear-gradient(180deg,var(--navy-900) 0%,var(--navy-800) 100%);color:#fff;padding:4rem 0 3.5rem}.hero h1{color:#fff;max-width:46rem}.hero .sub{color:#c3d3e2;font-size:1.2rem;max-width:42rem;margin-bottom:1.75rem}.hero .page-eyebrow{color:var(--teal-500)}.btn{display:inline-block;background:var(--teal-500);color:#fff;font-weight:700;padding:.8rem 1.6rem;border-radius:999px;text-decoration:none;border:0;font-size:1rem;cursor:pointer}.btn:hover{background:var(--teal-600);color:#fff}.btn.secondary{background:transparent;color:var(--navy-800);box-shadow:inset 0 0 0 2px var(--line)}.btn.secondary:hover{box-shadow:inset 0 0 0 2px var(--navy-800)}.hero .btn.secondary{color:#fff;box-shadow:inset 0 0 0 2px #ffffff59}.direct-answer{background:var(--teal-100);border-left:4px solid var(--teal-500);border-radius:0 var(--radius) var(--radius) 0;padding:1.1rem 1.4rem;margin:1.5rem 0 2rem;font-size:1.1rem}.direct-answer p{margin:0}.card-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(15.5rem,1fr));gap:1.25rem;margin:1.5rem 0;padding:0;list-style:none}.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1.4rem 1.5rem}.card h3{margin-top:0}.card p{color:var(--ink-soft);font-size:.97rem;margin-bottom:.75rem}.card .card-link{font-weight:600}.stat-strip{display:flex;gap:2.5rem;flex-wrap:wrap;padding:1.5rem 0;margin:0;list-style:none}.stat-strip .stat b{display:block;font-size:1.6rem;color:var(--navy-900)}.stat-strip .stat span{color:var(--ink-soft);font-size:.92rem}.hero .stat-strip .stat b{color:#fff}.hero .stat-strip .stat span{color:#a9bfd2}.table-wrap{overflow-x:auto;margin:1.5rem 0}table{border-collapse:collapse;width:100%;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);font-size:.97rem}th,td{text-align:left;padding:.7rem .9rem;border-bottom:1px solid var(--line);vertical-align:top}thead th{background:var(--navy-900);color:#fff;font-weight:600;white-space:nowrap}tbody tr:last-child td{border-bottom:0}td b{color:var(--navy-900)}.table-note{font-size:.88rem;color:var(--ink-soft);margin-top:-.75rem}.faq-section details{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:0;margin-bottom:.75rem}.faq-section summary{cursor:pointer;font-weight:600;color:var(--navy-900);padding:1rem 1.25rem;list-style-position:inside}.faq-section details>div{padding:0 1.25rem 1rem;color:var(--ink-soft)}.faq-section details>div p{margin:0 0 .5rem}.ladder-cta,.callout{background:var(--navy-100);border-radius:var(--radius);padding:1.25rem 1.5rem;margin:2rem 0}.ladder-cta p,.callout p{margin:0}.ladder-cta b,.callout b{color:var(--navy-900)}.cta-block{background:var(--navy-900);color:#fff;border-radius:var(--radius);padding:2.5rem 2rem;margin:3rem 0 0;text-align:center}.cta-block h2{color:#fff;margin-top:0}.cta-block p{color:#c3d3e2;max-width:38rem;margin:0 auto 1.5rem}ul.check{list-style:none;padding-left:0}ul.check li{padding-left:1.7rem;position:relative;margin-bottom:.5rem}ul.check li:before{content:"✓";color:var(--teal-600);font-weight:800;position:absolute;left:0}ol.steps{counter-reset:step;list-style:none;padding-left:0}ol.steps>li{counter-increment:step;position:relative;padding-left:3rem;margin-bottom:1.25rem}ol.steps>li:before{content:counter(step);position:absolute;left:0;top:.1rem;width:2rem;height:2rem;border-radius:50%;background:var(--navy-900);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center;font-size:.95rem}ol.steps b{color:var(--navy-900)}.post-meta{color:var(--ink-soft);font-size:.92rem;margin-bottom:1.5rem}.post-body h2{border-bottom:2px solid var(--line);padding-bottom:.4rem}.post-body img{max-width:100%;height:auto}.reviewer-box{display:flex;gap:1rem;align-items:center;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1.1rem 1.4rem;margin:2.5rem 0 0}.reviewer-box img{width:4.5rem;height:4.5rem;border-radius:50%;object-fit:cover;flex:none}.reviewer-box p{margin:0;font-size:.95rem;color:var(--ink-soft)}.post-list .page-eyebrow{margin-bottom:.25rem}.profile-head{display:flex;align-items:center;gap:1.75rem;flex-wrap:wrap;margin-bottom:1rem}.profile-head img{width:9rem;height:9rem;border-radius:50%;object-fit:cover;border:3px solid var(--line)}.profile-head h1{margin-bottom:.4rem}.card .avatar{width:4.5rem;height:4.5rem;border-radius:50%;object-fit:cover;margin-bottom:.75rem}.page-eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:.8rem;font-weight:700;color:var(--teal-600);margin:0 0 .5rem}.site-footer{background:var(--navy-900);color:#a9bfd2;margin-top:4rem;font-size:.93rem}.site-footer .container{display:grid;grid-template-columns:repeat(auto-fit,minmax(12rem,1fr));gap:2rem;padding-top:2.5rem;padding-bottom:1.5rem}.site-footer h4{color:#fff;font-size:.95rem;margin:0 0 .75rem}.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin-bottom:.45rem}.site-footer a{color:#a9bfd2;text-decoration:none}.site-footer a:hover{color:#fff}.footer-legal{border-top:1px solid rgba(255,255,255,.12);padding:1rem 1.25rem;text-align:center;font-size:.85rem}.footer-legal p{margin:0 0 .5rem}.footer-disclaimer{max-width:56rem;margin-left:auto!important;margin-right:auto!important;font-size:.78rem;color:#8aa3b8;line-height:1.5}form.contact-form{display:grid;gap:1rem;max-width:34rem}form.contact-form label{font-weight:600;color:var(--navy-900);font-size:.95rem;display:block;margin-bottom:.3rem}form.contact-form input,form.contact-form select,form.contact-form textarea{width:100%;padding:.7rem .9rem;border:1px solid var(--line);border-radius:8px;font:inherit;background:#fff}form.contact-form input:focus,form.contact-form select:focus,form.contact-form textarea:focus{outline:2px solid var(--teal-500);border-color:transparent}@media (max-width: 640px){.hero{padding:3rem 0 2.5rem}.stat-strip{gap:1.5rem}}