@charset "UTF-8";
:root{--ink:#10272d;--navy:#0b1f2a;--teal:#0e6558;--teal-2:#174b49;--paper:#f5f1e8;--paper-2:#ebe5d8;--white:#fffdf8;--line:#d8d0c1;--muted:#5f6d6b;--coral:#ff6b4a;--lime:#d9f66f;--shadow:0 24px 70px rgba(11,31,42,.12);--radius:26px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.65;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}button{font:inherit}img{max-width:100%}.shell{width:min(1180px,calc(100% - 40px));margin-inline:auto}.skip-link{position:fixed;left:16px;top:-60px;z-index:1000;background:#fff;padding:12px 18px;border-radius:8px}.skip-link:focus{top:16px}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.trust-strip{background:var(--navy);color:#d7e7e2;font-size:12px;letter-spacing:.08em;text-transform:uppercase}.trust-strip .shell{display:flex;justify-content:flex-end;gap:34px;padding:8px 0}.trust-strip span:before{content:"•";color:var(--lime);margin-right:8px}.site-header{position:sticky;top:0;z-index:100;background:rgba(245,241,232,.94);backdrop-filter:blur(15px);border-bottom:1px solid rgba(16,39,45,.12)}.header-inner{height:78px;display:flex;align-items:center;gap:28px}.brand{display:inline-flex;align-items:center;gap:10px;font-weight:760;font-size:18px;letter-spacing:-.03em}.brand b{color:var(--coral)}.brand-mark{display:grid;place-items:center;width:38px;height:38px;background:var(--teal);color:white;border-radius:12px 4px 12px 4px;font-size:13px;letter-spacing:.03em}.site-nav{margin-left:auto;display:flex;align-items:center;gap:22px;font-size:14px;font-weight:650}.site-nav a{position:relative;padding:8px 0}.site-nav a:after{content:"";position:absolute;left:0;right:100%;bottom:1px;height:2px;background:var(--coral);transition:.2s}.site-nav a:hover:after,.site-nav a:focus-visible:after{right:0}.header-cta,.button{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:0 19px;border-radius:999px;font-weight:760;transition:transform .2s,box-shadow .2s,background .2s}.header-cta{background:var(--ink);color:white;font-size:13px}.header-cta:hover,.button:hover{transform:translateY(-2px)}.menu-toggle{display:none;border:0;background:transparent;padding:8px}.menu-toggle span:not(.sr-only){display:block;width:24px;height:2px;background:var(--ink);margin:5px}
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.hero-visual{height:530px;background:var(--navy);border-radius:36px 8px 36px 8px;position:relative;overflow:hidden;color:white;box-shadow:var(--shadow)}.hero-visual:before{content:"";position:absolute;inset:-15%;background:radial-gradient(circle at 70% 30%,rgba(217,246,111,.18),transparent 29%),linear-gradient(130deg,transparent 48%,rgba(255,255,255,.04) 49%,transparent 50%)}.visual-top,.visual-bottom{position:absolute;left:28px;right:28px;display:flex;align-items:center;justify-content:space-between;font-size:10px;letter-spacing:.15em}.visual-top{top:26px}.visual-top b{color:var(--lime)}.visual-bottom{bottom:31px;display:grid;grid-template-columns:1fr auto;gap:10px}.visual-bottom strong{color:var(--lime);font-size:18px}.visual-bottom i{grid-column:1/-1;height:3px;background:rgba(255,255,255,.18);position:relative}.visual-bottom i:after{content:"";position:absolute;left:0;top:0;bottom:0;width:var(--w);background:var(--coral)}.orbit{position:absolute;border:1px solid rgba(255,255,255,.16);border-radius:50%;left:50%;top:48%;transform:translate(-50%,-50%)}.orbit-one{width:280px;height:280px}.orbit-two{width:430px;height:430px}.node{position:absolute;display:grid;place-items:center;border:1px solid rgba(255,255,255,.26);background:#14363c;color:#edf8f4;border-radius:50%;font-size:12px}.node-main{width:112px;height:112px;left:50%;top:48%;transform:translate(-50%,-50%);background:var(--coral);color:var(--navy);border:0}.node-main small{font-size:9px;letter-spacing:.15em}.node-main strong{font:600 36px Georgia}.node-a,.node-b,.node-c,.node-d{width:72px;height:72px}.node-a{left:16%;top:25%}.node-b{right:12%;top:34%}.node-c{left:20%;bottom:24%}.node-d{right:20%;bottom:20%}
.stats-strip{background:var(--white);border-block:1px solid var(--line)}.stats-grid{display:grid;grid-template-columns:repeat(4,1fr)}.stats-grid div{padding:25px 32px;border-right:1px solid var(--line)}.stats-grid div:first-child{border-left:1px solid var(--line)}.stats-grid strong{display:block;font:500 30px Georgia;color:var(--teal)}.stats-grid span{font-size:12px;color:var(--muted)}
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.dark-section{background:var(--navy);color:white}.section-heading.light h2{max-width:920px}.service-rail{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid rgba(255,255,255,.18);margin-top:54px}.service-rail article{padding:36px 26px 12px 0;border-right:1px solid rgba(255,255,255,.14);min-height:280px}.service-rail article+article{padding-left:26px}.service-rail span{font:500 24px Georgia;color:var(--coral)}.service-rail h3{font:500 27px Georgia}.service-rail p{font-size:14px;color:#b9cbc7}.service-rail a{font-size:13px;color:var(--lime);font-weight:760}.process-section{display:grid;grid-template-columns:.8fr 1.2fr;gap:95px}.process-intro{position:sticky;top:130px;align-self:start}.process-intro p{color:var(--muted)}.process-list{list-style:none;margin:0;padding:0;border-top:1px solid var(--line)}.process-list li{display:grid;grid-template-columns:62px 1fr;gap:18px;padding:27px 0;border-bottom:1px solid var(--line)}.process-list b{color:var(--coral);font-size:12px}.process-list h3{margin:0;font:500 25px Georgia}.process-list p{margin:5px 0 0;color:var(--muted);font-size:14px}
.guides-section{background:var(--paper-2)}.guide-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.guide-card{background:var(--white);border:1px solid var(--line);border-radius:22px;padding:28px;display:grid;grid-template-columns:55px 1fr;gap:20px}.guide-index{font:500 22px Georgia;color:var(--coral)}.guide-card h3{font:500 26px/1.15 Georgia;margin:0 0 12px}.guide-card h3 a:hover{text-decoration:underline}.guide-card p{font-size:14px;color:var(--muted)}.cta-panel{background:var(--navy);color:white;border-radius:36px 8px 36px 8px;padding-inline:54px;display:grid;grid-template-columns:1fr .65fr;gap:70px;align-items:center;margin-block:90px}.cta-panel p{color:#c5d2cf}.inner-hero{background:var(--navy);color:white;padding:80px 0 86px}.inner-hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:70px;align-items:end}.inner-hero h1{font-size:clamp(54px,6vw,88px);max-width:780px}.inner-hero p{font-size:18px;color:#c3d2cf;max-width:720px}.inner-hero aside{border:1px solid rgba(255,255,255,.18);border-radius:24px;padding:28px;background:rgba(255,255,255,.04)}.inner-hero aside ul{list-style:none;padding:0;margin:0}.inner-hero aside li{padding:10px 0;border-bottom:1px solid rgba(255,255,255,.12)}.inner-hero aside li:before{content:"↗";color:var(--coral);margin-right:10px}.breadcrumb{display:flex;align-items:center;gap:9px;padding-top:22px;padding-bottom:22px;font-size:12px;color:var(--muted)}.breadcrumb b{font-weight:400;color:#aaa}.breadcrumb a:hover{text-decoration:underline}
.article-section{background:var(--white);border-block:1px solid var(--line)}.article-shell{width:min(900px,100%)}.semantic-money-article{font-size:17px}.article-rule{display:flex;justify-content:space-between;border-bottom:1px solid var(--line);padding-bottom:18px;margin-bottom:46px;font-size:10px;font-weight:850;letter-spacing:.14em}.article-rule b{color:var(--coral)}.semantic-money-article h2{font:500 44px/1.08 Georgia;margin:46px 0 15px;letter-spacing:-.035em}.semantic-money-article h3{font:500 30px Georgia;margin:38px 0 12px}.semantic-money-article p{color:#344d50}.semantic-money-article a{color:var(--teal);font-weight:800;text-decoration:underline;text-decoration-color:var(--coral);text-underline-offset:4px}.six-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.six-grid article{border:1px solid var(--line);background:var(--white);border-radius:20px;padding:25px}.six-grid span{color:var(--coral);font-size:11px;font-weight:800}.six-grid h3{font:500 24px Georgia;margin:20px 0 8px}.six-grid p{font-size:13px;color:var(--muted)}.risk-band{background:var(--paper-2)}.risk-band .split-heading{align-items:start}.faq-grid{display:grid;grid-template-columns:.68fr 1.32fr;gap:90px}.faq-grid>div:first-child>p{color:var(--muted)}.faq-list{border-top:1px solid var(--line)}.faq-list details{border-bottom:1px solid var(--line)}.faq-list summary{cursor:pointer;display:flex;justify-content:space-between;padding:21px 0;font-weight:750;list-style:none}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary span{color:var(--coral);font-size:22px}.faq-list details[open] summary span{transform:rotate(45deg)}.faq-list details p{margin:-5px 45px 24px 0;color:var(--muted)}
.prose-layout{display:grid;grid-template-columns:.7fr 1.3fr;gap:95px}.prose-layout aside{position:sticky;top:130px;align-self:start}.rich-copy{font-size:17px}.rich-copy>p:first-child{font-size:23px;line-height:1.55;color:var(--teal)}.rich-copy h3{font:500 30px Georgia;margin:42px 0 10px}.rich-copy p{color:#3f5555}.inline-actions{display:flex;align-items:center;gap:24px;margin-top:36px}.light-copy p{color:#c4d2cf}.light-copy>p:first-child{color:white}.service-cards{display:grid;grid-template-columns:1fr 1fr;gap:18px}.service-cards article{background:var(--white);border:1px solid var(--line);border-radius:28px;padding:38px}.service-cards article>span{color:var(--coral);font:500 25px Georgia}.service-cards h2{font:500 42px Georgia}.service-cards p{color:var(--muted)}.service-cards a{display:inline-block;margin:18px 18px 0 0;color:var(--teal);font-weight:780}.article-header{padding:68px 0 46px;max-width:950px}.article-header h1{font:500 clamp(48px,6vw,80px)/1.02 Georgia;letter-spacing:-.05em;margin:0;max-width:900px}.article-header>p{font-size:20px;color:var(--muted);max-width:800px}.article-meta{display:flex;gap:22px;border-top:1px solid var(--line);padding-top:18px;font-size:12px;color:var(--muted)}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 285px;gap:70px;align-items:start}.article-content{background:var(--white);border:1px solid var(--line);border-radius:28px;padding:54px;font-size:17px}.article-content .lead{font-size:22px;color:var(--teal);border-bottom:1px solid var(--line);padding-bottom:32px}.article-content h2{font:500 38px/1.15 Georgia;margin:48px 0 14px;letter-spacing:-.025em}.article-content p{color:#3e5355}.article-content a{color:var(--teal);font-weight:800;text-decoration:underline;text-decoration-color:var(--coral);text-underline-offset:4px}.check-list{list-style:none;padding:0}.check-list li{padding:11px 0;border-bottom:1px solid var(--line)}.check-list li:before{content:"✓";color:var(--coral);margin-right:10px;font-weight:900}.source-box{background:var(--navy);color:white;border-radius:20px;padding:26px;margin:38px 0}.source-box span{font-size:10px;letter-spacing:.15em;color:var(--lime);font-weight:800}.source-box p{color:#d8e4e1}.source-box a{color:var(--lime)}.article-sidebar{position:sticky;top:120px}.article-sidebar>div:first-child{border:1px solid var(--line);border-radius:20px;padding:24px}.article-sidebar>div:first-child>span:not(.eyebrow){display:grid;grid-template-columns:32px 1fr;gap:8px;padding:11px 0;border-bottom:1px solid var(--line);font-size:12px}.article-sidebar b{color:var(--coral)}.sidebar-cta{background:var(--teal);color:white;border-radius:22px;padding:25px;margin-top:16px}.sidebar-cta h2{font:500 30px Georgia}.sidebar-cta a{color:var(--lime);font-weight:800}.related-guides{padding:70px 0 100px}.related-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}.related-grid a{background:var(--paper-2);border-radius:20px;padding:28px;display:flex;flex-direction:column}.related-grid span{font-size:10px;letter-spacing:.1em;text-transform:uppercase;color:var(--teal);font-weight:800}.related-grid strong{font:500 28px Georgia;margin:16px 0}.related-grid i{font-style:normal;color:var(--coral);font-weight:800;font-size:13px}.blog-intro{max-width:920px;margin-bottom:50px}.prose-card{background:var(--white);border:1px solid var(--line);border-radius:26px;padding:40px}.prose-card h2{font:500 38px Georgia;margin-top:0}.prose-card p{color:var(--muted)}.filter-row{display:flex;flex-wrap:wrap;gap:8px;margin:30px 0}.filter-row button{border:1px solid var(--line);background:transparent;border-radius:99px;padding:9px 14px;font-size:12px;cursor:pointer}.filter-row button.is-active{background:var(--navy);color:white}.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.blog-grid article{background:var(--white);border:1px solid var(--line);border-radius:22px;padding:28px;min-height:330px;display:flex;flex-direction:column}.blog-grid article[hidden]{display:none}.blog-grid h2{font:500 26px/1.15 Georgia;margin:5px 0 12px}.blog-grid p{font-size:14px;color:var(--muted)}.blog-grid .text-link{margin-top:auto}.values-band{background:var(--paper-2)}.four-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.four-grid article{background:var(--white);border-radius:20px;padding:28px}.four-grid span{color:var(--coral);font-size:11px}.four-grid h2{font:500 28px Georgia}.four-grid p{font-size:14px;color:var(--muted)}
.report-grid{display:grid;grid-template-columns:1.35fr .65fr;gap:16px}.report-card{background:var(--navy);color:white;border-radius:28px;padding:34px;min-height:410px}.report-head{display:flex;justify-content:space-between;font-size:10px;letter-spacing:.14em}.report-head b{color:var(--lime)}.report-kpis{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:45px}.report-kpis div{border:1px solid rgba(255,255,255,.14);padding:18px}.report-kpis small{display:block;color:#b8cac6}.report-kpis strong{font:500 36px Georgia}.bars{height:160px;display:flex;align-items:end;gap:12px;margin-top:35px}.bars i{flex:1;height:var(--h);background:linear-gradient(var(--coral),#f38b72);border-radius:6px 6px 0 0}.donut{width:170px;height:170px;border-radius:50%;margin:35px auto;display:grid;place-items:center;background:radial-gradient(circle,#0b1f2a 54%,transparent 55%),conic-gradient(var(--coral) 0 68%,var(--lime) 68% 88%,#4a9890 88%)}.donut strong{font:500 34px Georgia}.donut span{font-size:10px}.report-card ul{list-style:none;padding:0;font-size:12px}.report-card li{padding:6px}.dot{display:inline-block;width:8px;height:8px;border-radius:50%;margin-right:8px}.coral-dot{background:var(--coral)}.lime-dot{background:var(--lime)}.teal-dot{background:#4a9890}.contact-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:24px}.contact-options>a{display:grid;grid-template-columns:52px 1fr auto;gap:20px;align-items:start;padding:28px 0;border-bottom:1px solid var(--line)}.contact-options>a>span{color:var(--coral);font-size:11px}.contact-options small{display:block;color:var(--teal);font-weight:800;letter-spacing:.12em}.contact-options strong{display:block;font:500 28px Georgia;margin:4px 0}.contact-options p{margin:0;color:var(--muted);font-size:14px}.contact-options i{font-style:normal;font-size:24px}.brief-card{background:var(--navy);color:white;border-radius:28px;padding:34px}.brief-card h2{font:500 38px Georgia}.brief-card ol{list-style:none;padding:0}.brief-card li{padding:12px 0;border-bottom:1px solid rgba(255,255,255,.15)}.brief-card li b{color:var(--coral);margin-right:10px;font-size:11px}.brief-card>a{display:inline-block;margin-top:28px;color:var(--lime);font-weight:800}.contact-note{margin-bottom:95px}.legal-hero{padding:70px 0 45px;border-bottom:1px solid var(--line)}.legal-hero h1{font-size:clamp(50px,6vw,76px)}.legal-copy{max-width:850px}.legal-copy section{margin-bottom:40px}.legal-copy h2{font:500 33px Georgia}.legal-copy p{color:var(--muted)}.not-found{min-height:65vh;display:flex;flex-direction:column;justify-content:center;align-items:flex-start}.not-found>span{font:500 120px Georgia;color:var(--coral)}.not-found h1{font-size:62px}.not-found p{color:var(--muted)}
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