@import"https://fonts.googleapis.com/css2?family=DM+Sans:opsz,wght@9..40,400;9..40,500;9..40,600&family=Outfit:wght@400;500;600;700;800&display=swap";:root{--navy:#1C2130;--navy-2:#262B3D;--accent:#E2434F;--accent-2:#C93540;--green:#22C55E;--bg:#ffffff;--bg-soft:#F5F6FA;--text:#2E3348;--muted:#5A617A;--border:#E6E9F0;--radius:12px;--maxw:1080px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:16px/1.65 DM Sans,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--text);background:var(--bg)}h1,h2,h3,h4{font-family:Outfit,system-ui,sans-serif;line-height:1.2;letter-spacing:-.2px}img{max-width:100%;height:auto}a{color:var(--accent-2)}a:hover{color:var(--accent)}.container{max-width:var(--maxw);margin:0 auto;padding:0 20px}header.site{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50}header.site .container{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:10px 20px;flex-wrap:wrap;max-width:1220px}.logo{display:flex;align-items:center;text-decoration:none}.logo img{height:52px;width:auto;display:block}nav.main a{color:#c9cfde;text-decoration:none;margin-left:22px;font-size:.94rem;font-weight:500}nav.main a:hover{color:#fff}nav.main a.cta{background:var(--accent);padding:11px 20px;border-radius:12px;font-weight:600;color:#fff;font-family:Outfit,sans-serif}nav.main a.cta:hover{background:var(--accent-2)}.hero{background:linear-gradient(155deg,var(--navy) 0%,var(--navy-2) 55%,#2E3450 100%);color:#fff;padding:72px 0}.hero h1{font-size:clamp(1.9rem,4.2vw,2.8rem);font-weight:800;line-height:1.15;margin:0 0 14px}.hero p{font-size:1.1rem;color:#c7cddd;max-width:640px}.btn{display:inline-block;background:var(--accent);color:#fff!important;text-decoration:none;font-weight:600;font-family:Outfit,sans-serif;padding:14px 26px;border-radius:12px;border:none;font-size:1rem;cursor:pointer;transition:background .15s,transform .15s}.btn:hover{background:var(--accent-2);transform:translateY(-1px)}.btn.secondary{background:transparent;border:1.5px solid rgba(255,255,255,.3);color:#dde2ee!important}.btn.secondary:hover{border-color:#fff;color:#fff!important;background:transparent}main{padding:40px 0 64px}.grid{display:grid;gap:20px}.grid.cols-3{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}.grid.cols-2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}.card{background:#fff;border:1px solid var(--border);border-radius:16px;padding:24px;transition:transform .2s,box-shadow .2s}.card:hover{transform:translateY(-3px);box-shadow:0 16px 36px #262b3d1a}.card h3{margin-top:0}.card a.more{font-weight:600;text-decoration:none}table{border-collapse:collapse;width:100%;margin:18px 0}th,td{text-align:left;padding:10px 12px;border:1px solid var(--border)}th{background:var(--bg-soft);font-family:Outfit,sans-serif}article.prose{max-width:760px}article.prose h2{margin-top:2em}.byline{color:var(--muted);font-size:.9rem;margin:6px 0 24px}.disclosure{background:var(--bg-soft);border:1px solid var(--border);border-left:3px solid var(--accent);border-radius:10px;padding:13px 17px;font-size:.88rem;color:var(--muted);margin:20px 0}.cta-band{background:linear-gradient(155deg,var(--navy),var(--navy-2));color:#fff;border:none;border-radius:18px;padding:36px 28px;text-align:center;margin:44px 0}.cta-band h2{color:#fff}.cta-band p{color:#c7cddd}.cta-band h2{margin-top:0}details{border:1px solid var(--border);border-radius:14px;padding:14px 18px;margin:11px 0;background:#fff}summary{font-weight:600;cursor:pointer;font-family:Outfit,sans-serif}.tool{background:var(--bg-soft);border:1px solid var(--border);border-radius:18px;padding:28px;max-width:640px}.tool label{display:block;font-weight:600;margin:14px 0 6px}.tool input,.tool select{width:100%;padding:12px;border:1px solid var(--border);border-radius:10px;font-size:1rem;background:#fff;font-family:DM Sans,sans-serif}.tool input:focus,.tool select:focus{outline:2px solid var(--accent);outline-offset:1px}.result{background:var(--bg-soft);border:1px solid var(--border);border-left:3px solid var(--green);border-radius:12px;padding:20px;margin-top:20px}.result strong{font-size:1.3rem}.quiz-step{display:none}.quiz-step.active{display:block}.quiz-nav{margin-top:18px;display:flex;gap:10px}.progress{height:6px;background:var(--border);border-radius:3px;margin-bottom:22px}.progress>div{height:100%;background:linear-gradient(90deg,var(--green),#4ADE80);border-radius:3px;transition:width .3s}.error-msg{color:#b3261e;font-size:.9rem;margin-top:8px}.crumbs{font-size:.85rem;color:var(--muted);margin-bottom:18px}.crumbs a{color:var(--muted)}footer.site{background:var(--navy);color:#b9c0d4;margin-top:60px;padding:56px 0 32px;font-size:.92rem}footer.site a{color:#b9c0d4;text-decoration:none}footer.site a:hover{color:#fff}footer.site strong{color:#fff;font-family:Outfit,sans-serif}footer.site .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:24px}footer.site .legal{margin-top:36px;border-top:1px solid rgba(255,255,255,.1);padding-top:20px;font-size:.8rem;color:#8f97ad;line-height:1.6}@media(max-width:640px){nav.main a{margin-left:10px;font-size:.85rem}}a,button{transition:color .2s,background .2s,border-color .2s}:focus-visible{outline:3px solid var(--accent);outline-offset:2px;border-radius:6px}.crumbs a:hover{color:var(--accent)}article.prose h2{font-size:1.5rem}article.prose h3{font-size:1.15rem}@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}@media(max-width:640px){header.site .container{padding:10px 16px}.logo img{height:42px}}