@import url('https://fonts.googleapis.com/css2?family=Manrope:wght@400;500;600;700;800&family=Prata&display=swap');
:root{--navy:#092840;--navy2:#123d60;--gold:#c6a676;--ink:#19374c;--muted:#536d7f;--line:#d6e2e8;--pale:#eef4f7}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:16px/1.74 Manrope,Arial,sans-serif;color:var(--ink);background:white}a{color:inherit}.container{max-width:1170px;padding:0 28px;margin:auto}.site-nav{background:#08243f;color:#fff}.nav-inner{min-height:88px;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;padding-top:12px;padding-bottom:12px}.logo{text-decoration:none;display:flex;flex-direction:column;line-height:1.1}.logo strong{font-size:1.34rem;letter-spacing:.095em}.logo small{font-size:.63rem;letter-spacing:.16em;text-transform:uppercase;color:#bdd1df;margin-top:7px}.nav-links{display:flex;flex-wrap:wrap;gap:22px}.nav-links a{text-decoration:none;font-size:.85rem;font-weight:700;color:#dbe7ee}.nav-links a:hover,.footer a:hover{color:#dfc08c}.nav-phone{font-size:.9rem;font-weight:800;white-space:nowrap;text-decoration:none;border:1px solid #66859c;padding:8px 13px}.crumb{padding:22px 0 0;color:#b2cbdd;font-size:.83rem}.crumb a{color:#d8e7ef}.hero{background:radial-gradient(ellipse at 100% 20%,#246084,#0a304e 45%,#08243f 90%);color:white;padding:0 0 78px}.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:70px;align-items:end;padding-top:56px}.eyebrow{color:#d1b48a;font-size:.78rem;text-transform:uppercase;letter-spacing:.14em;font-weight:800;margin:0 0 17px}.hero h1{font-weight:700;letter-spacing:-.045em;font-size:clamp(2.4rem,4.5vw,4.8rem);line-height:1.16;margin:0 0 26px;max-width:800px}.hero h1 em{font:normal .73em/1.4 Prata,Georgia,serif;color:#bdd9e9;display:block;margin-top:10px}.hero-lead{font-size:1.17rem;color:#e0ecf4;max-width:710px;line-height:1.75;margin:0 0 29px}.hero-aside{border-left:3px solid var(--gold);padding:20px 0 20px 24px;background:#ffffff0a;color:#d4e2ec}.hero-aside strong{display:block;font-size:1.2rem;color:white;margin-bottom:10px}.hero-aside p{margin:0;font-size:.92rem}.button{display:inline-block;padding:14px 22px;background:var(--gold);text-decoration:none;color:#09243b;font-weight:800;border:1px solid var(--gold);border-radius:3px}.button:hover{background:#e0c090}.button-outline{background:transparent;color:white;border-color:#8ba6b7;margin-left:8px}.button-outline:hover{background:#ffffff15}.section{padding:78px 0}.section.alt{background:#f1f6f8}.section.dark{background:#0b2d49;color:white}.section h2{font-size:clamp(2rem,3.5vw,3.25rem);line-height:1.25;letter-spacing:-.04em;margin:0 0 22px}.section .intro{font-size:1.09rem;color:var(--muted);max-width:880px;margin:0 0 30px}.section.dark .intro{color:#c2d7e5}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:48px}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.panel{padding:26px;border:1px solid var(--line);background:#fff}.panel h3{margin:0 0 12px;font-size:1.17rem;line-height:1.4}.panel p{margin:0;color:var(--muted);font-size:.94rem}.panel .num{color:#9b7950;letter-spacing:.1em;font-size:.77rem;font-weight:800;margin-bottom:12px;display:block}.case{background:#fff;padding:27px 29px;border-left:4px solid var(--gold);box-shadow:0 7px 28px #17394f0c}.case h3{font-size:1.21rem;margin:0 0 12px}.case p{margin:0;color:var(--muted)}.case+.case{margin-top:18px}.list{padding-left:20px;margin:0}.list li{margin:0 0 14px}.quote{font:normal clamp(1.45rem,2.2vw,2rem)/1.5 Prata,Georgia,serif;border-left:4px solid var(--gold);padding-left:25px;margin:26px 0}.callout{background:#e4eef3;border-left:4px solid var(--gold);padding:26px 30px;margin-top:25px}.callout strong{font-size:1.1rem}.steps{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:15px}.step{background:#fff;padding:24px;min-height:220px}.step:before{counter-increment:step;content:'0' counter(step);display:block;color:#8cabbc;font:1.8rem Prata,Georgia,serif;margin-bottom:14px}.step h3{font-size:1rem;line-height:1.4;margin:0 0 10px}.step p{color:var(--muted);font-size:.89rem;margin:0}.metric{border-top:3px solid var(--gold);padding:24px;background:white;color:var(--navy)}.metric strong{display:block;font:clamp(2.8rem,5vw,4rem) Prata,Georgia,serif}.metric span{font-weight:800;line-height:1.4;display:block;margin-top:8px}.faq details{border-bottom:1px solid #ccdce5;padding:20px 0}.faq summary{cursor:pointer;font-weight:800;font-size:1.04rem}.faq p{color:var(--muted);max-width:900px;margin:13px 0 0}.next-links{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.next-links a{display:block;background:#fff;border:1px solid var(--line);text-decoration:none;padding:23px;font-weight:800;color:#134563}.next-links a:hover{border-color:var(--gold)}.contact{background:#08243f;color:white;padding:75px 0}.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px}.contact h2{font-size:clamp(2rem,3.4vw,3rem);line-height:1.2;letter-spacing:-.03em;margin:0 0 18px}.contact p{color:#c6d8e4}.contact-links{background:white;color:var(--navy);padding:30px;border-top:4px solid var(--gold)}.contact-links a{display:block;padding:13px 0;border-bottom:1px solid #d7e3e9;font-weight:800;font-size:1.06rem;text-decoration:none}.contact-links small{display:block;font-size:.78rem;color:var(--muted);font-weight:600}.footer{background:#061c2f;color:#adc4d4;padding:26px 0;font-size:.82rem}.footer-inner{display:flex;justify-content:space-between;gap:22px;flex-wrap:wrap}.footer a{color:#adc4d4}.fine{font-size:.84rem;color:var(--muted)}@media(max-width:820px){.hero-grid,.two-col,.contact-grid{grid-template-columns:1fr;gap:25px}.hero-grid{padding-top:35px}.hero{padding-bottom:50px}.grid3,.next-links{grid-template-columns:1fr 1fr}.steps{grid-template-columns:1fr 1fr}}@media(max-width:550px){.container{padding:0 19px}.nav-links{gap:12px}.nav-inner{gap:10px}.hero h1{font-size:2.35rem}.section{padding:53px 0}.grid3,.next-links,.steps{grid-template-columns:1fr}.button{display:block;text-align:center}.button-outline{margin:10px 0 0}.hero-aside{margin-top:16px}.contact{padding:55px 0}}.hero-grid{display:block;max-width:930px}.hero{padding-bottom:68px}.hero h1{max-width:900px}.hero-lead{max-width:850px}.editorial-wrap{max-width:1020px}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:70px;align-items:start}.prose{max-width:760px}.prose p{font-size:1.045rem;line-height:1.9;margin:0 0 22px}.prose blockquote{font-family:Prata,Georgia,serif;color:#27516a;font-size:1.34rem;line-height:1.6;margin:34px 0 0;padding-left:24px;border-left:3px solid var(--gold)}.article-sidebar{border-top:3px solid var(--gold);background:#f1f6f8;padding:23px 24px}.article-sidebar strong{font-size:1.08rem}.article-sidebar p{color:var(--muted);font-size:.9rem}.article-sidebar a{color:#0e4c71;font-size:.9rem;font-weight:800}.topic-list{columns:2;column-gap:54px}.topic{break-inside:avoid;padding:22px 0 19px;border-top:1px solid #cbdce5}.topic h3{margin:0 0 9px;font-size:1.12rem}.topic p{margin:0;color:var(--muted);font-size:.95rem;line-height:1.8}.case-list{max-width:900px}.case-editorial{padding:22px 0;border-bottom:1px solid #d6e2e8}.case-editorial h3{margin:0 0 12px;color:#153f59;font-size:1.28rem}.case-editorial p{font-size:1rem;line-height:1.85;margin:0}.editorial-conclusion{max-width:900px;background:#edf4f7;border-left:4px solid var(--gold);padding:24px 30px;margin-top:34px}.editorial-conclusion p{margin:0 0 14px}.editorial-conclusion p:last-child{margin-bottom:0}.related-plain{display:flex;flex-wrap:wrap;gap:12px 28px}.related-plain a{color:#135070;text-underline-offset:5px;font-weight:800}.faq details{max-width:940px}@media(max-width:800px){.article-layout{grid-template-columns:1fr;gap:28px}.article-sidebar{max-width:700px}}@media(max-width:620px){.topic-list{columns:1}.hero{padding-bottom:48px}.prose p{font-size:1rem}.editorial-conclusion{padding:20px}}