:root{--navy:#112c40;--blue:#145cd1;--teal:#007b74;--pale:#edf5f6;--ink:#142f40;--muted:#586b77;--line:#dce5e9}*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.65}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}button,a,input,textarea,select{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #c9761d;outline-offset:4px}.wrap{max-width:1280px;padding:0 55px;margin:auto}.top{background:var(--navy);color:#d3e2eb;font-size:11px}.top .wrap{display:flex;justify-content:space-between;padding-top:8px;padding-bottom:8px;letter-spacing:.3px}header{background:#fff;position:sticky;top:0;z-index:20;border-bottom:1px solid var(--line)}.navigation{height:95px;display:flex;justify-content:space-between;align-items:center;gap:25px}.brand{font-size:27px;font-weight:800;letter-spacing:-1.3px;line-height:1.1;display:inline-block}.brand span{color:var(--teal)}.brand small{display:block;font-size:8px;letter-spacing:2px;margin-top:8px;font-weight:600}nav{display:flex;align-items:center;gap:28px;font-size:13px;font-weight:600}nav a:hover,nav a[aria-current]{color:var(--teal)}.menu{display:none}.btn{display:inline-flex;align-items:center;justify-content:center;background:var(--blue);color:white;padding:15px 22px;border:0;border-radius:6px;font-size:13px;font-weight:700;cursor:pointer;transition:background .2s}.btn:hover{background:#0e439b;color:white}.btn.small{padding:12px 17px}.btn.white{background:white;color:var(--navy)}.skip{position:absolute;top:-100px}.skip:focus{top:0;z-index:50;background:white;padding:15px}.hero{padding:82px 0 75px;background:radial-gradient(ellipse at 90% 5%,#e4f5f5 0,transparent 55%),linear-gradient(125deg,#fff,#f4f8fc)}.hero-grid{display:grid;grid-template-columns:1fr 1.03fr;align-items:center;gap:50px}.eyebrow{display:block;font-size:10px;font-weight:700;letter-spacing:2px;color:var(--teal);margin-bottom:17px}.eyebrow i{display:inline-block;width:7px;height:7px;border-radius:50%;background:var(--teal);margin-right:7px}h1,h2,h3,h4,p{margin-top:0}h1{font-size:clamp(43px,5.2vw,70px);line-height:1.09;letter-spacing:-3px;margin-bottom:25px}h1 em{font-style:normal;color:var(--blue)}.lead{font-size:18px;color:var(--muted);line-height:1.8;max-width:720px}.hero-detail{font-size:14px;color:var(--muted);max-width:385px}.actions{display:flex;align-items:center;gap:23px;margin:28px 0}.plain{font-size:13px;font-weight:600}.hero-tags{display:flex;flex-wrap:wrap;gap:8px;margin-top:32px}.hero-tags span{font-size:10px;border:1px solid #cfdde4;padding:5px 8px;border-radius:4px;color:var(--muted)}.dashboard{background:white;border:1px solid #d3e0e6;border-radius:12px;box-shadow:0 25px 65px #153c5515;transform:rotate(-1deg);overflow:hidden}.dash-top{display:flex;justify-content:space-between;align-items:center;background:var(--navy);color:#fff;padding:17px 19px;font-size:12px}.dash-top b{background:#ffffff17;padding:6px 7px;border-radius:5px;margin-right:7px;font-size:11px}.sample{font-size:8px;letter-spacing:1px;color:#bcd9df}.dash-tabs{padding:11px 18px;border-bottom:1px solid var(--line);display:flex;gap:10px}.dash-tabs button{border:none;background:white;font-size:11px;padding:6px 13px;border-radius:4px;color:var(--muted);cursor:pointer}.dash-tabs button[aria-pressed=true]{background:#e9f1ff;color:var(--blue);font-weight:700}.dash-body{padding:22px}.dash-heading{display:flex;justify-content:space-between;align-items:center}.dash-heading small{font-size:8px;color:var(--muted);letter-spacing:1px}.dash-heading h3{font-size:20px;margin:5px 0 15px;letter-spacing:-.5px}.dot{width:8px;height:8px;border-radius:50%;background:#139b83}.metrics{display:grid;grid-template-columns:repeat(3,1fr);gap:9px}.metrics>div{border:1px solid var(--line);border-radius:5px;padding:10px}.metrics small{display:block;font-size:9px;color:var(--muted)}.metrics strong{display:block;font-size:25px;margin-top:6px;line-height:1.2}.chart{padding-top:23px}.chart-label{display:flex;justify-content:space-between;gap:10px;font-size:9px}.chart-label span{color:var(--muted);font-size:8px}.bars{height:113px;display:flex;align-items:end;justify-content:space-around;gap:17px;border-bottom:1px solid var(--line);background:repeating-linear-gradient(to top,transparent 0,transparent 27px,#edf1f3 28px)}.bars i{height:var(--h);width:25px;background:#92b1e3;border-radius:3px 3px 0 0}.bars i:nth-child(2n){background:var(--blue)}.bars i:last-child{background:var(--teal)}.days{display:flex;justify-content:space-around;font-size:8px;color:var(--muted);padding:6px 0}.dash-note{font-size:10px;color:var(--teal);background:#eaf6f2;margin-top:12px;padding:10px;border-radius:5px}.dash-bottom{display:flex;justify-content:space-between;gap:12px;background:#f7fafb;border-top:1px solid var(--line);padding:13px 20px;font-size:8px;color:var(--muted)}.expert-strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.expert-strip .wrap{display:flex;justify-content:space-between;gap:15px;padding-top:25px;padding-bottom:25px;font-size:11px;font-weight:bold;letter-spacing:1.5px;color:#667e8b}section{padding:80px 0}h2{font-size:40px;line-height:1.2;letter-spacing:-1.7px;margin-bottom:24px}h3{font-size:21px;line-height:1.3;letter-spacing:-.5px}p{color:var(--muted);font-size:15px}.section-top{display:flex;align-items:end;justify-content:space-between;gap:60px;margin-bottom:35px}.section-top h2{margin-bottom:0}.section-top>p{max-width:390px;margin-bottom:0}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:19px}.card{border:1px solid var(--line);padding:27px;display:flex;flex-direction:column;min-height:290px;border-radius:8px;background:white;transition:transform .2s,border-color .2s}.card:hover{transform:translateY(-4px);border-color:#6e9dce}.card-no{font-size:9px;color:var(--teal);letter-spacing:1px}.card h3{margin:25px 0 13px}.card p{font-size:13px}.card-foot{display:flex;justify-content:space-between;margin-top:auto;padding-top:20px;font-size:11px;font-weight:600}.card-foot b{color:var(--blue);font-size:19px}.under-link{display:inline-block;font-size:13px;border-bottom:1px solid;margin-top:26px;padding-bottom:5px}.split{display:grid;grid-template-columns:1fr 1fr;gap:85px;align-items:start}.dark{background:var(--navy);color:white}.dark p{color:#bacbd6}.dark .eyebrow{color:#78d0c0}.principles>div{position:relative;padding:0 0 20px 40px;margin-bottom:22px;border-bottom:1px solid #375061}.principles span{position:absolute;left:0;color:#71c7b9;font-size:11px}.principles h3{font-size:19px;margin-bottom:9px}.principles p{font-size:13px;margin:0}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;margin-top:35px}.steps article{border-top:2px solid var(--line);padding-top:21px}.steps span{font-size:12px;color:var(--teal)}.steps h3{margin-top:18px;font-size:18px}.steps p{font-size:13px}.tinted{background:var(--pale)}.calculator{padding:28px;background:white;border:1px solid var(--line);border-radius:8px;display:grid;grid-template-columns:repeat(3,1fr);gap:15px}.calculator label{font-size:11px}input,select,textarea{display:block;width:100%;padding:12px;margin-top:7px;border:1px solid #bdcdd5;border-radius:4px;background:white;color:var(--ink);min-width:0}textarea{resize:vertical}.calc-result{grid-column:1/-1;display:flex;align-items:center;gap:18px;border-top:1px solid var(--line);padding-top:20px}.calc-result strong{font-size:56px;color:var(--blue);line-height:1}.calc-result span{font-size:12px;color:var(--muted)}.faq{margin-top:35px;max-width:920px}.faq details{border-top:1px solid var(--line);padding:21px 0}.faq details:last-child{border-bottom:1px solid var(--line)}summary{cursor:pointer;list-style:none;font-size:16px;font-weight:600;display:flex;justify-content:space-between;gap:20px}summary::-webkit-details-marker{display:none}summary span{color:var(--blue)}details p{margin:18px 0 0;font-size:14px;max-width:800px}.closing{background:var(--blue);color:white;padding:55px 0}.closing .wrap{display:flex;align-items:center;justify-content:space-between;gap:30px}.closing h2{font-size:35px;margin:0}.closing .eyebrow{color:#c6ddff}footer{padding:55px 0 20px;background:#f8fafb}.footer-grid{display:grid;grid-template-columns:1.5fr .7fr 1fr;gap:70px}.footer-grid p{font-size:12px;margin-top:20px;max-width:350px}.footer-grid h4{font-size:12px;margin:0 0 18px}.footer-grid>div>a:not(.brand){display:block;font-size:12px;color:var(--muted);margin-bottom:10px}.copyright{display:flex;justify-content:space-between;border-top:1px solid var(--line);padding-top:20px;margin-top:30px;font-size:10px;color:var(--muted)}.page-intro{background:linear-gradient(120deg,#f4f8fb,#eaf4f3);padding:40px 0 65px}.breadcrumb{font-size:11px;margin-bottom:35px}.page-intro h1{font-size:55px;max-width:900px}.page-intro .lead{margin-bottom:0}.aside{padding:34px;background:#f4f7fa;border:1px solid var(--line);border-radius:8px}.aside .btn{margin-top:15px}.checks{padding:0;list-style:none}.checks li{border-bottom:1px solid var(--line);padding:15px 0;font-size:15px}.checks li:before{content:'✓';color:var(--teal);margin-right:13px}.contact-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:75px}.contact-line{display:block;padding:18px 0;border-bottom:1px solid var(--line);font-size:22px;overflow-wrap:anywhere}.contact-line small{display:block;color:var(--teal);font-size:9px;letter-spacing:1px}.contact-grid label{display:block;font-size:12px;margin-bottom:17px}.contact-grid .legal-name{font-size:12px;max-width:380px}.form-note{font-size:11px;margin:15px 0}.blog-tools{display:flex;gap:20px;align-items:center;margin-bottom:30px}.blog-tools input{max-width:480px;margin:0}.blog-tools span{font-size:12px;color:var(--muted)}[hidden]{display:none!important}.blog-list{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.blog-list a{display:block;border:1px solid var(--line);padding:23px;border-radius:6px}.blog-list h3{font-size:18px;margin-bottom:10px}.blog-list span{font-size:11px;color:var(--teal)}@media(max-width:1050px){.wrap{padding-left:30px;padding-right:30px}nav{gap:17px}.hero-grid{gap:30px}.hero{padding-top:60px}h1{font-size:54px}.split{gap:40px}.dashboard{transform:none}.card{padding:21px}.footer-grid{gap:35px}.contact-grid{gap:35px}}@media(max-width:760px){.wrap{padding-left:22px;padding-right:22px}.top{font-size:9px}.top span{max-width:220px}.navigation{height:80px}.brand{font-size:24px}.brand small{font-size:7px}.menu{display:block;border:1px solid var(--line);background:white;padding:8px 12px;border-radius:4px;font-size:12px}nav{display:none;position:absolute;top:80px;left:0;right:0;padding:25px;background:white;border-bottom:1px solid var(--line);align-items:start;flex-direction:column;gap:22px}nav.open{display:flex}.hero{padding:43px 0}.hero-grid,.split,.contact-grid{grid-template-columns:1fr;gap:40px}h1{font-size:53px;letter-spacing:-2.5px}.lead{font-size:16px}.hero-detail{font-size:13px}.actions{gap:18px;flex-wrap:wrap}.expert-strip .wrap{display:grid;grid-template-columns:repeat(3,1fr);font-size:9px;text-align:center;row-gap:20px}.hero-tags{margin-top:24px}.dashboard{max-width:520px;width:100%;margin:auto}.dash-body{padding:17px}.dash-top{padding:15px}.metrics small{font-size:8px}.metrics strong{font-size:23px}.dash-heading h3{font-size:18px}.dash-bottom{font-size:7px}.sample{font-size:7px}section{padding:55px 0}h2{font-size:33px}.section-top{display:block}.section-top>p{margin-top:22px}.cards{grid-template-columns:1fr}.card{min-height:230px;padding:26px}.card h3{margin-top:16px}.steps{grid-template-columns:1fr 1fr;gap:23px}.steps h3{font-size:17px}.closing .wrap{align-items:start;flex-direction:column}.closing h2{font-size:30px}.footer-grid{grid-template-columns:1fr 1fr;gap:30px}.footer-grid>div:first-child{grid-column:1/-1}.copyright{font-size:9px}.page-intro h1{font-size:41px;letter-spacing:-1.7px}.page-intro{padding:30px 0 45px}.aside{padding:25px}.blog-list{grid-template-columns:1fr}.blog-tools{align-items:start;flex-direction:column}.calculator{padding:21px;gap:9px}.calculator label{font-size:10px}.calculator input{padding:10px}.contact-line{font-size:21px}.bars{gap:13px}}@media(prefers-reduced-motion:reduce){*{transition:none!important}}

.editorial-layout{display:grid;grid-template-columns:minmax(0,2.2fr) minmax(240px,1fr);gap:65px}.editorial h2{font-size:28px;margin-top:36px;letter-spacing:-.7px}.editorial h2:first-child{margin-top:0}.editorial h3{font-size:22px;margin-top:28px}.editorial h4{font-size:18px;margin-top:22px}.editorial p,.editorial li{font-size:16px;line-height:1.9;color:#354e5f}.editorial img{max-width:100%;height:auto}.editorial a{text-decoration:underline;color:#145cd1;overflow-wrap:anywhere}.editorial table{display:block;max-width:100%;overflow:auto;border-collapse:collapse;font-size:13px}.editorial td,.editorial th{padding:10px;border:1px solid #cbd7df}.editorial blockquote{margin:25px 0;padding:15px 24px;background:#f0f6f7;border-left:3px solid #007b74}.editorial hr{border:0;border-top:1px solid #dce5e9;margin:30px 0}.side-link{display:block;padding:14px 0;border-bottom:1px solid #dce5e9;font-size:13px}.content-note{font-size:12px!important;background:#f2f6f8;padding:16px}.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}.related-grid a{border:1px solid #dce5e9;padding:23px;border-radius:7px;font-weight:600;font-size:14px}.hub-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px}.hub-grid h2{font-size:25px}.hub-grid li{margin:12px 0;font-size:14px}.category-links{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:30px}.category-links a{padding:8px 12px;background:#edf5f6;color:#007b74;font-size:12px;border-radius:5px}.article-heading{background:#edf5f6;padding:35px 0 48px}.article-heading h1{max-width:990px;font-size:45px;line-height:1.2;letter-spacing:-1.7px;margin:25px 0}.crumbs{display:flex;flex-wrap:wrap;gap:9px;font-size:11px;position:static;padding:0;background:transparent;border:0}.article-meta{font-size:12px;margin-bottom:0}.article-section{padding-top:50px}.blog-list p{font-size:12px}.navigation{gap:18px}header #nav{gap:20px}header #nav>a{font-size:12px}@media(max-width:980px){.editorial-layout{gap:35px}header #nav{gap:12px}.navigation .btn.small{padding:11px 12px}}@media(max-width:760px){.editorial-layout{grid-template-columns:1fr}.related-grid,.hub-grid{grid-template-columns:1fr}.article-heading h1{font-size:32px;letter-spacing:-.7px}.editorial h2{font-size:25px}.editorial p,.editorial li{font-size:15px}.crumbs{display:flex}header #nav{gap:22px}.article-section{padding-top:35px}}
