:root{--ink:#0d2038;--muted:#5d7089;--paper:#f8f3eb;--navy:#112b49;--blue:#2d68c4;--teal:#0d9b8a;--line:rgba(17,43,73,.13);--max:1080px}*{box-sizing:border-box}body{margin:0;color:var(--ink);font-family:"Avenir Next","Segoe UI",sans-serif;background:radial-gradient(circle at 10% 0,rgba(45,104,196,.13),transparent 30%),linear-gradient(180deg,#efe5d7,#faf7f2 34%,#f5f1eb)}a{color:inherit}.shell{width:min(calc(100% - 40px),var(--max));margin:auto}.hero{padding:76px 0 52px}.breadcrumbs{font-size:.9rem;color:var(--muted);margin-bottom:28px}.breadcrumbs a{color:var(--blue)}.eyebrow{color:var(--teal);font-weight:800;letter-spacing:.08em;text-transform:uppercase;font-size:.8rem}.hero h1{font-size:clamp(2.45rem,5.5vw,4.7rem);line-height:1;letter-spacing:-.052em;margin:16px 0 22px;max-width:900px}.lead{font-size:clamp(1.08rem,2vw,1.28rem);line-height:1.65;color:var(--muted);max-width:790px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0 16px}.btn{display:inline-flex;align-items:center;justify-content:center;padding:14px 20px;border-radius:999px;text-decoration:none;font-weight:800}.primary{background:var(--navy);color:#fff}.secondary{border:1px solid var(--line);background:rgba(255,255,255,.7)}.trust{font-size:.9rem;color:var(--muted)}.section{padding:62px 0}.section h2{font-size:clamp(1.9rem,4vw,3rem);letter-spacing:-.038em;max-width:820px;margin:0 0 16px}.intro{color:var(--muted);line-height:1.68;max-width:790px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:30px}.card{background:rgba(255,255,255,.76);border:1px solid var(--line);border-radius:22px;padding:24px}.card h3{margin:0 0 10px;font-size:1.15rem}.card p,.card li{color:var(--muted);line-height:1.6}.card ul{padding-left:20px}.checklist{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:28px}.check{padding:15px 17px;border:1px solid var(--line);background:#fff;border-radius:14px}.check b{color:var(--teal)}.callout{padding:30px;border-left:5px solid var(--teal);background:#eaf7f3;border-radius:0 20px 20px 0;margin-top:30px}.links{display:flex;gap:10px;flex-wrap:wrap;margin-top:24px}.links a{padding:10px 14px;border:1px solid var(--line);border-radius:999px;background:#fff;text-decoration:none}.faq details{background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px 20px;margin:12px 0}.faq summary{font-weight:800;cursor:pointer}.faq p{color:var(--muted);line-height:1.6}.cta{margin:38px 0 76px;padding:40px;border-radius:28px;background:var(--navy);color:#fff}.cta h2{margin-top:0}.cta p{color:#cbd8e6}.footer{border-top:1px solid var(--line);padding:30px 0 42px;color:var(--muted)}.footer nav{display:flex;gap:18px;flex-wrap:wrap}.disclaimer{font-size:.86rem}@media(max-width:760px){.grid,.checklist{grid-template-columns:1fr}.hero{padding-top:52px}}