:root{--ink:#22303c;--ink2:#51636f;--paper:#fafaf8;--card:#ffffff;--line:#e3e1da;--accent:#20618f;--accent2:#174a6e;--gold:#c98a2b;--ok:#2f9e63;--serif:Georgia,"Times New Roman",serif;--sans:-apple-system,"Segoe UI",Roboto,Arial,sans-serif}*{box-sizing:border-box;margin:0;padding:0}body{font-family:var(--sans);color:var(--ink);background:var(--paper);line-height:1.65}a{color:var(--accent)}.nav{display:flex;justify-content:space-between;align-items:center;padding:14px 5vw;background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}.brand{font-family:var(--serif);font-size:20px;font-weight:700;color:var(--ink);text-decoration:none}.navlinks{display:flex;gap:18px;align-items:center;font-size:14px}.navlinks a{text-decoration:none;color:var(--ink2)}.navphone{font-weight:700;color:var(--accent)!important}.cta{background:var(--accent);color:#fff!important;padding:8px 16px;border-radius:4px;font-weight:600}.hero{display:grid;grid-template-columns:minmax(0,1fr) 400px;gap:5vw;padding:52px 5vw;background:linear-gradient(180deg,#f2f4f0,var(--paper));border-bottom:1px solid var(--line)}.kicker{font-size:12px;letter-spacing:2px;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:10px}.hero h1{font-family:var(--serif);font-size:clamp(28px,4vw,42px);line-height:1.15;margin-bottom:14px}.lede{color:var(--ink2);font-size:17px;max-width:56ch}.leadcard{background:var(--card);border:1px solid var(--line);border-radius:8px;padding:20px;box-shadow:0 10px 30px #1e2d3c14;height:fit-content}.leadcard-t{font-family:var(--serif);font-size:19px;font-weight:700;margin-bottom:12px}.leadform{display:grid;gap:9px}.leadform.wide{grid-template-columns:repeat(auto-fit,minmax(180px,1fr));max-width:900px}.leadform input,.leadform select{padding:11px 12px;border:1px solid var(--line);border-radius:4px;font-size:15px;background:#fff}.leadform button{background:var(--gold);border:none;color:#fff;font-weight:700;font-size:16px;padding:13px;border-radius:4px;cursor:pointer}.leadform button:hover{filter:brightness(1.05)}.form-note{font-size:12px;color:var(--ink2);text-align:center}.form-success{padding:22px;text-align:center;color:var(--ok);font-weight:700}.main{max-width:860px;margin:0 auto;padding:34px 5vw 10px}.quick-answer{background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);padding:16px 18px;margin-bottom:26px}.qa-label{font-size:11px;letter-spacing:2px;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:6px}.qa-a{font-size:16.5px}.prose h2{font-family:var(--serif);font-size:24px;margin:30px 0 10px}.prose p{margin:0 0 14px;color:#33424e}.prose ul{margin:0 0 14px 22px}.prose a{font-weight:600}.statband{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:1px;background:var(--line);border:1px solid var(--line);border-radius:6px;overflow:hidden;margin-bottom:26px}.stat{background:#fff;padding:14px}.stat b{display:block;font-family:var(--serif);font-size:21px;color:var(--accent2)}.stat span{font-size:12px;color:var(--ink2)}.datapanel{border:1px solid var(--line);background:#fff;border-radius:6px;padding:18px;margin:26px 0}.datapanel h2{font-family:var(--serif);font-size:20px;margin-bottom:10px}.datapanel table{width:100%;border-collapse:collapse;font-size:14.5px}.datapanel td{border-top:1px solid var(--line);padding:8px 6px}.datapanel td:last-child{font-weight:700;text-align:right}.source{font-size:12px;color:var(--ink2);margin-top:10px}.faqs{margin:30px 0}.faqs h2{font-family:var(--serif);font-size:24px;margin-bottom:12px}.faqs details{border:1px solid var(--line);background:#fff;border-radius:5px;padding:12px 16px;margin-bottom:8px}.faqs summary{font-weight:600;cursor:pointer}.faqs details div{padding-top:8px;color:#33424e}.related ul,.hublist{list-style:none;margin:8px 0 24px;display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:8px}.related a,.hublist a{display:block;border:1px solid var(--line);background:#fff;padding:10px 12px;border-radius:5px;text-decoration:none;font-size:14px;text-transform:capitalize}.related a:hover,.hublist a:hover{border-color:var(--accent)}.hub h2{font-family:var(--serif);font-size:22px;margin:26px 0 4px}.quote{background:#eef1ec;border-top:1px solid var(--line);padding:40px 5vw;margin-top:40px}.quote h2{font-family:var(--serif);font-size:26px;margin-bottom:16px}.foot{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;padding:26px 5vw 90px;color:var(--ink2);font-size:13px;border-top:1px solid var(--line)}.stickybar{display:none;position:fixed;bottom:0;left:0;right:0;z-index:60}.stickybar a{flex:1;text-align:center;padding:14px;font-weight:700;color:#fff;text-decoration:none}.stickybar a:first-child{background:var(--accent)}.stickybar a:last-child{background:var(--gold)}@media(max-width:860px){.hero{grid-template-columns:1fr;padding:34px 5vw}.stickybar{display:flex}}