:root{--ink:#102843;--muted:#526478;--line:#d6e0e9;--blue:#1f63b5;--blue-dark:#174b8a;--teal:#168f83;--bg:#f6f8fb;--white:#fff;--soft:#eaf1f6;--shadow:0 22px 60px rgba(16,40,67,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--ink);font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;font-size:17px;line-height:1.62;-webkit-font-smoothing:antialiased}a{color:var(--blue);text-underline-offset:3px}a:hover{color:var(--blue-dark)}button,input,select{font:inherit}button{cursor:pointer}img,svg{max-width:100%}img{display:block}svg{flex:none}h1,h2,h3,p{margin-top:0}h1,h2,h3{line-height:1.16;letter-spacing:-.035em}h1{font-size:clamp(2.4rem,4vw,4rem)}h2{font-size:clamp(1.75rem,2.4vw,2.5rem)}h3{font-size:1.25rem}p{margin-bottom:1.25em}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #77b6ec;outline-offset:3px}.shell{width:min(100% - 40px,1280px);margin-inline:auto}.site-header{position:relative;z-index:10;background:#fff;border-bottom:1px solid var(--line)}.header-inner{min-height:78px;display:flex;align-items:center;gap:28px}.brand{display:inline-flex;gap:10px;align-items:center;text-decoration:none;color:var(--ink);flex:none}.brand:hover{color:var(--ink)}.brand-mark{width:42px;height:42px;border-radius:11px;background:var(--ink);color:#fff;display:grid;place-items:center;font-weight:800;font-size:28px;line-height:1;letter-spacing:-.12em;position:relative}.brand-mark span{position:absolute;color:#53c9b4;font-size:18px;right:3px;top:2px;letter-spacing:0}.brand-words{display:flex;flex-direction:column;line-height:1}.brand-words strong{font-size:20px;letter-spacing:.075em}.brand-words small{font-size:8px;font-weight:800;letter-spacing:.31em;margin-top:5px}.desktop-nav{display:flex;gap:2px;margin-left:auto;align-items:center}.desktop-nav a{color:#30465c;text-decoration:none;font-size:13px;font-weight:700;white-space:nowrap;padding:10px 9px;border-radius:7px}.desktop-nav a:hover,.desktop-nav a[aria-current]{background:var(--soft);color:var(--blue-dark)}.search-link,.menu-toggle{color:var(--ink);height:44px;width:44px;border:1px solid var(--line);border-radius:10px;display:grid;place-items:center;background:#fff;flex:none}.search-link:hover,.menu-toggle:hover{background:var(--soft)}.menu-toggle{display:none}.mobile-nav{display:none}.eyebrow{text-transform:uppercase;letter-spacing:.16em;color:var(--teal);font-size:11px;font-weight:800;line-height:1.4}.button{display:inline-flex;align-items:center;justify-content:center;gap:18px;padding:13px 20px;min-height:50px;border-radius:9px;font-size:15px;font-weight:750;text-decoration:none;transition:transform .2s,background .2s}.button:hover{transform:translateY(-2px);text-decoration:none}.button-primary{color:#fff;background:var(--blue)}.button-primary:hover{color:#fff;background:var(--blue-dark)}.button-light{color:var(--ink);background:#fff;border:1px solid var(--line)}.button-light:hover{color:var(--ink);background:var(--soft)}.home-hero{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center;padding:92px 0 100px}.hero-copy h1{font-size:clamp(3.2rem,6vw,6.1rem);line-height:1.03;margin:20px 0 26px;letter-spacing:-.06em;max-width:760px}.hero-copy h1 em{font-style:normal;color:var(--blue)}.hero-copy>p:not(.hero-disclosure){font-size:19px;line-height:1.58;max-width:620px;color:var(--muted)}.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin:32px 0 19px}.hero-disclosure{font-size:12px;color:#718095;margin:0}.hero-visual{background:var(--ink);color:#fff;border-radius:20px;padding:28px 30px;box-shadow:var(--shadow);min-height:470px;display:flex;flex-direction:column;justify-content:space-between;position:relative;overflow:hidden}.hero-visual:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 82% 14%,rgba(86,204,185,.28),transparent 30%),linear-gradient(135deg,transparent 45%,rgba(255,255,255,.045) 45%,rgba(255,255,255,.045) 50%,transparent 50%);pointer-events:none}.route-top,.route-bottom{display:flex;align-items:center;justify-content:space-between;gap:12px;position:relative}.route-top{border-bottom:1px solid rgba(255,255,255,.23);padding-bottom:20px;color:#a8c5d3;font-size:10px;font-weight:800;letter-spacing:.17em}.route-track{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;position:relative}.route-track>div{min-height:145px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:11px;padding:17px;display:flex;flex-direction:column;justify-content:flex-end}.route-track span{align-self:flex-start;margin-bottom:auto;color:#77d4c7;font-size:12px;font-weight:800}.route-track strong{font-size:25px;line-height:1.1;letter-spacing:-.035em}.route-track small{color:#bbd0dc;font-size:12px;margin-top:7px}.route-bottom{border-top:1px solid rgba(255,255,255,.23);padding-top:20px;font-size:13px;color:#c5e6e1}.route-bottom svg{margin-left:auto}.pulse-dot{height:7px;width:7px;background:#5bd1b9;border-radius:50%;box-shadow:0 0 0 5px rgba(91,209,185,.14)}.home-section{padding:38px 0 84px}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:28px;margin-bottom:28px}.section-heading h2{margin:8px 0 0}.section-heading p{max-width:380px;color:var(--muted);margin:0}.topic-list{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.topic-card{min-height:152px;background:#fff;border:1px solid var(--line);border-radius:12px;display:flex;gap:18px;padding:22px;text-decoration:none;color:var(--ink);transition:border-color .2s,transform .2s,box-shadow .2s}.topic-card:hover{color:var(--ink);border-color:#94b9d5;transform:translateY(-3px);box-shadow:var(--shadow)}.topic-number{font-size:12px;font-weight:800;color:var(--teal);margin-top:3px}.topic-copy{display:flex;flex-direction:column;gap:8px;min-width:0}.topic-copy strong{font-size:20px;line-height:1.2;letter-spacing:-.03em}.topic-copy small{color:var(--muted);font-size:13px;line-height:1.5;display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}.topic-card>svg{margin-left:auto;align-self:flex-start;color:var(--blue)}.split-section{display:grid;grid-template-columns:1fr 1fr;gap:70px;padding:72px;background:#e7f0f4;border-radius:20px}.split-intro h2{max-width:480px;margin:14px 0 22px}.split-intro p{color:var(--muted);max-width:520px}.text-link{display:inline-flex;gap:9px;align-items:center;font-weight:750;text-decoration:none}.text-link:hover{text-decoration:underline}.safety-list{display:flex;flex-direction:column}.safety-list a{display:flex;align-items:center;gap:16px;color:var(--ink);text-decoration:none;border-bottom:1px solid #c7d8df;padding:16px 0}.safety-list a:hover{color:var(--blue)}.safety-list a:first-child{border-top:1px solid #c7d8df}.safety-list span{font-size:12px;font-weight:800;color:var(--teal)}.safety-list strong{font-size:17px;line-height:1.32}.safety-list svg{margin-left:auto}.methodology{padding-top:95px}.principles{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:28px 0}.principles>div{padding-top:18px;border-top:2px solid var(--ink)}.principles span{font-size:12px;color:var(--teal);font-weight:800}.principles h3{margin:20px 0 12px}.principles p{font-size:15px;color:var(--muted);max-width:330px}.site-footer{background:#0d223a;color:#d8e5ed;margin-top:80px}.footer-grid{display:grid;grid-template-columns:2fr repeat(3,1fr);gap:46px;padding:64px 0 55px}.site-footer .brand{color:#fff}.site-footer .brand-mark{background:#fff;color:var(--ink)}.footer-intro p{max-width:330px;margin-top:26px;color:#aec2d2;font-size:14px}.site-footer h2{font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:#fff;margin:4px 0 16px}.site-footer a:not(.brand){display:block;color:#bbcfde;text-decoration:none;font-size:14px;margin-bottom:10px}.site-footer a:hover{color:#fff;text-decoration:underline}.footer-bottom{border-top:1px solid rgba(255,255,255,.17);padding:22px 0 28px;display:flex;justify-content:space-between;gap:20px;color:#91aabd;font-size:12px}.breadcrumbs{display:flex;align-items:center;flex-wrap:wrap;gap:10px;margin:32px 0;color:#738297;font-size:13px}.breadcrumbs a{color:#526478;text-decoration:none}.breadcrumbs a:hover{text-decoration:underline}.crumb-sep{color:#9cabb7}.article-shell{max-width:1230px}.article-grid{display:grid;grid-template-columns:minmax(0,780px) minmax(250px,1fr);gap:80px}.article-main{min-width:0}.article-main h1{margin:15px 0 22px;max-width:800px}.article-lead{font-size:20px;line-height:1.55;color:#3f546c;margin-bottom:24px}.byline{display:flex;flex-wrap:wrap;align-items:center;gap:10px;color:#6a7b8d;font-size:13px;margin-bottom:28px}.byline a{font-weight:650;text-decoration:none}.byline a:hover{text-decoration:underline}.article-hero{margin:0 0 26px}.article-hero img{width:100%;height:auto;aspect-ratio:16/9;border-radius:16px;object-fit:cover}.article-hero figcaption{color:#718095;font-size:12px;margin-top:10px}.quick-answer{background:#e9f3f4;border-left:4px solid var(--teal);padding:24px 28px;margin:28px 0 36px;border-radius:0 12px 12px 0}.quick-label{display:block;color:#08776e;text-transform:uppercase;letter-spacing:.12em;font-weight:800;font-size:11px;margin-bottom:9px}.quick-answer p{font-size:18px;line-height:1.55;margin:0;color:#1f4352}.toc{border:1px solid var(--line);border-radius:12px;padding:18px 22px;background:#fff;margin:0 0 36px}.toc summary{display:flex;justify-content:space-between;align-items:center;cursor:pointer;font-size:16px;font-weight:750;list-style:none}.toc summary::-webkit-details-marker{display:none}.toc[open] summary svg{transform:rotate(180deg)}.toc ol{margin:18px 0 0;padding:16px 0 0 22px;border-top:1px solid var(--line)}.toc li{margin:6px 0}.toc a{text-decoration:none}.toc a:hover{text-decoration:underline}.article-section{scroll-margin-top:24px;margin:42px 0}.article-section h2{font-size:clamp(1.7rem,2.2vw,2.1rem);margin-bottom:18px}.article-section p{color:#2d4359}.check-list{padding:0;margin:22px 0;list-style:none}.check-list li{position:relative;padding:9px 0 9px 32px;color:#2d4359}.check-list li:before{content:"✓";position:absolute;left:0;top:9px;color:var(--teal);font-weight:800}.sources{margin:58px 0 40px;padding-top:28px;border-top:1px solid var(--line)}.sources h2{font-size:25px}.sources p{font-size:14px;color:var(--muted)}.sources ol{padding-left:20px}.sources li{padding:5px 0}.sources a{display:inline-flex;align-items:center;gap:4px}.author-box{display:flex;gap:18px;border:1px solid var(--line);border-radius:14px;background:#fff;padding:25px;margin:45px 0}.author-icon{height:54px;width:54px;flex:none;border-radius:15px;background:#def2ef;color:#08776e;display:grid;place-items:center;font-size:28px;font-weight:800}.author-box h2{font-size:20px;margin:0 0 10px}.author-box p{font-size:14px;color:var(--muted);margin-bottom:8px}.author-box a{display:inline-flex;gap:7px;align-items:center;font-weight:700;font-size:14px;text-decoration:none}.related{margin:45px 0}.related h2{font-size:27px}.related-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.related-grid a{border:1px solid var(--line);background:#fff;border-radius:10px;min-height:112px;padding:17px;color:var(--ink);text-decoration:none;display:flex;flex-direction:column}.related-grid a:hover{border-color:#95b9d4;color:var(--blue)}.related-grid span{font-size:11px;color:var(--teal);font-weight:700;text-transform:uppercase;letter-spacing:.08em}.related-grid strong{font-size:16px;line-height:1.25;margin:7px 0}.related-grid svg{align-self:flex-end;margin-top:auto;color:var(--blue)}.article-aside{padding-top:20px}.aside-card{position:sticky;top:20px;background:#fff;border:1px solid var(--line);border-radius:13px;padding:25px}.aside-label{display:block;color:var(--teal);font-size:11px;font-weight:800;letter-spacing:.12em;text-transform:uppercase}.aside-card strong{display:block;font-size:20px;line-height:1.2;margin:12px 0}.aside-card ol{padding-left:21px;color:#3b5269;font-size:14px;margin:0 0 20px}.aside-card li{padding:3px 0}.aside-card a{display:inline-flex;align-items:center;gap:6px;font-size:13px;font-weight:700;text-decoration:none}.tool-shell{max-width:1180px}.tool-hero{display:grid;grid-template-columns:minmax(0,730px) 1fr;gap:60px;align-items:end;padding:28px 0 35px}.tool-hero h1{margin:12px 0 24px}.quote-note{background:#e5eff5;border-top:3px solid var(--blue);padding:24px 24px 22px;margin-bottom:29px}.quote-note span{font-size:11px;letter-spacing:.12em;color:var(--blue);font-weight:800}.quote-note strong{display:block;font-size:20px;line-height:1.2;margin:20px 0 12px}.quote-note p{font-size:14px;color:var(--muted);margin:0}.calculator{background:#fff;border:1px solid var(--line);border-radius:16px;padding:32px;margin:40px 0 50px;box-shadow:var(--shadow)}.calc-head h2{margin:8px 0 10px}.calc-head p{color:var(--muted)}.calc-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}.calc-grid label{display:flex;flex-direction:column;font-size:13px;font-weight:700;color:#354b62;gap:8px}.calc-grid input,.calc-grid select{height:48px;border:1px solid #b8cbd7;border-radius:8px;padding:10px 12px;background:#fff;color:var(--ink);width:100%;font-size:16px}.calc-grid input:focus,.calc-grid select:focus{border-color:var(--blue)}.calc-result{grid-column:1/-1;background:var(--ink);color:#fff;border-radius:10px;padding:24px;display:flex;flex-direction:column;gap:5px}.calc-result span{font-size:12px;color:#a9c0d1;letter-spacing:.1em;text-transform:uppercase;font-weight:700}.calc-result strong{font-size:32px;line-height:1.2;letter-spacing:-.04em}.calc-result small{color:#bad0df;font-size:12px}.tool-article{max-width:790px}.tool-article .related-grid{margin-top:45px}.simple-shell{max-width:1180px}.simple-page{max-width:790px;padding:45px 0 100px;min-height:60vh}.simple-page h1{margin:15px 0 26px}.simple-page .article-section{margin-top:45px}.search-field{display:flex;flex-direction:column;gap:10px;font-weight:700;margin:35px 0 24px}.search-field input{height:54px;width:100%;border:1px solid #aabfce;background:#fff;padding:12px 16px;border-radius:9px;font-size:17px}.search-results{padding:0;list-style:none}.search-results li{border-bottom:1px solid var(--line)}.search-results li:first-child{border-top:1px solid var(--line)}.search-results a{display:flex;flex-direction:column;text-decoration:none;padding:16px 0}.search-results strong{font-size:18px}.search-results span{font-size:13px;color:var(--muted)}.error-page{min-height:60vh;display:flex;flex-direction:column;align-items:flex-start;justify-content:center}.error-page>span{font-size:80px;line-height:1;font-weight:800;color:#8db4ce}.error-page h1{margin:12px 0}.error-page p{color:var(--muted)}[hidden]{display:none!important}
.table-scroll{max-width:100%;overflow-x:auto;border:1px solid var(--line);border-radius:10px;margin:23px 0}.table-scroll table{border-collapse:collapse;min-width:600px;width:100%;background:#fff;font-size:14px}.table-scroll th,.table-scroll td{text-align:left;padding:12px 15px;border-bottom:1px solid var(--line);vertical-align:top}.table-scroll th{background:#e5eff5;color:var(--ink);font-weight:750}.table-scroll tbody tr:last-child td{border-bottom:0}.article-notice{border-left:3px solid var(--teal);background:#edf5f3;padding:16px 20px;margin:23px 0}.article-notice strong{font-size:12px;color:#08776e;text-transform:uppercase;letter-spacing:.1em}.article-notice p{margin:7px 0 0;font-size:15px}.faq{margin:55px 0}.faq h2{font-size:27px}.faq details{border-top:1px solid var(--line);padding:16px 0}.faq details:last-child{border-bottom:1px solid var(--line)}.faq summary{display:flex;justify-content:space-between;align-items:center;gap:15px;cursor:pointer;font-weight:750;list-style:none}.faq summary::-webkit-details-marker{display:none}.faq details[open] summary svg{transform:rotate(180deg)}.faq p{font-size:15px;color:var(--muted);margin:12px 28px 0 0}.category-shell{max-width:1180px}.category-hero{padding:44px 0 35px;max-width:900px}.category-hero h1{margin:12px 0 20px}.category-hero>p{font-size:19px;color:var(--muted);max-width:770px}.category-topics{display:flex;flex-wrap:wrap;gap:8px;margin:30px 0 0}.category-topics a{display:inline-flex;align-items:center;gap:7px;background:#e7f0f5;border:1px solid #cfdee8;border-radius:7px;padding:8px 13px;font-size:13px;font-weight:750;text-decoration:none;color:var(--ink)}.category-topics a:hover{background:#d8e9f3}.guides-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.guide-card{background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}.guide-card>a{display:block;text-decoration:none;color:var(--ink);height:100%;padding-bottom:20px}.guide-card>a:hover h2{color:var(--blue)}.guide-card img{width:100%;height:170px;object-fit:cover}.guide-card .eyebrow,.guide-card h2,.guide-card p,.guide-card .card-link{margin-left:20px;margin-right:20px}.guide-card .eyebrow{display:block;margin-top:20px}.guide-card h2{font-size:22px;margin-top:9px;margin-bottom:10px}.guide-card p{font-size:14px;color:var(--muted);line-height:1.5;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}.card-link{display:inline-flex;align-items:center;gap:7px;color:var(--blue);font-weight:750;font-size:13px}.pagination{display:flex;justify-content:center;gap:9px;margin:45px 0 75px}.pagination a{min-width:44px;min-height:44px;display:grid;place-items:center;text-decoration:none;border:1px solid var(--line);border-radius:8px;background:#fff;font-weight:750}.pagination a[aria-current]{background:var(--ink);color:#fff;border-color:var(--ink)}
@media(max-width:1140px){.desktop-nav a{font-size:12px;padding:9px 7px}.header-inner{gap:16px}.article-grid{gap:40px}.home-hero{gap:28px}.hero-visual{min-height:430px}.route-track>div{min-height:126px}}
@media(max-width:900px){.desktop-nav{display:none}.search-link{margin-left:auto}.menu-toggle{display:grid}.mobile-nav:not([hidden]){display:grid;grid-template-columns:repeat(2,1fr);gap:5px;padding:6px 0 20px}.mobile-nav a{display:block;color:var(--ink);padding:10px;border-radius:7px;text-decoration:none;font-weight:700;font-size:14px}.mobile-nav a:hover,.mobile-nav a[aria-current]{background:var(--soft)}.home-hero{grid-template-columns:1fr;padding:62px 0}.hero-visual{min-height:360px}.route-track{grid-template-columns:repeat(4,1fr)}.route-track>div{min-height:180px}.article-grid{grid-template-columns:minmax(0,1fr)}.article-aside{display:none}.split-section{gap:34px;padding:45px}.tool-hero{grid-template-columns:1fr;gap:0}.quote-note{max-width:440px}.footer-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:680px){body{font-size:16px}.shell{width:min(100% - 32px,1280px)}.header-inner{min-height:67px}.brand-mark{width:38px;height:38px;font-size:25px}.brand-words strong{font-size:18px}.home-hero{padding:48px 0 64px}.hero-copy h1{font-size:clamp(2.8rem,10vw,4.5rem);margin:18px 0 22px}.hero-copy>p:not(.hero-disclosure){font-size:17px}.hero-visual{padding:21px;min-height:400px}.route-track{grid-template-columns:repeat(2,1fr)}.route-track>div{min-height:118px;padding:13px}.route-track strong{font-size:21px}.section-heading{display:block}.section-heading p{margin-top:10px}.topic-list,.related-grid,.principles,.split-section,.calc-grid{grid-template-columns:1fr}.home-section{padding-bottom:62px}.topic-card{min-height:130px}.split-section{padding:30px 22px}.methodology{padding-top:75px}.footer-grid{grid-template-columns:repeat(2,1fr);gap:30px;padding:50px 0}.footer-intro{grid-column:1/-1}.footer-bottom{flex-direction:column}.article-main h1,.tool-hero h1,.simple-page h1{font-size:clamp(2.25rem,9vw,3.3rem)}.article-lead{font-size:18px}.article-hero img{border-radius:10px}.quick-answer{padding:20px;margin:25px 0 30px}.quick-answer p{font-size:16px}.article-section{margin:36px 0}.article-section h2{font-size:26px}.author-box{padding:18px}.calc-result{grid-column:auto}.calculator{padding:22px}.simple-page{padding-top:24px}.site-footer{margin-top:60px}}
@media(max-width:380px){.brand-words small{letter-spacing:.23em}.brand{gap:7px}.search-link,.menu-toggle{width:40px;height:40px}.hero-actions .button{width:100%}.footer-grid{grid-template-columns:1fr}.footer-intro{grid-column:auto}}
@media(max-width:680px){.guides-grid{grid-template-columns:1fr}.category-hero{padding-top:22px}.category-hero>p{font-size:17px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button,.topic-card{transition:none}}

/* Homepage: purchase decision flow */
.home-hero{grid-template-columns:minmax(0,1.03fr) minmax(390px,.97fr);gap:clamp(30px,4vw,62px);padding:68px 0 76px;align-items:center}
.hero-eyebrow{display:inline-flex;align-items:center;gap:9px;color:#21756e;background:#e4f3ef;border:1px solid #c5e6dd;border-radius:100px;padding:7px 12px;letter-spacing:.11em}
.eyebrow-dot{width:7px;height:7px;border-radius:50%;background:#11a688;box-shadow:0 0 0 4px rgba(17,166,136,.13)}
.hero-copy h1{font-size:clamp(4.4rem,7.1vw,7.15rem);line-height:.98;letter-spacing:-.078em;margin:24px 0 18px;white-space:nowrap}
.hero-copy h1 span{color:#2164c4;text-transform:uppercase;letter-spacing:-.09em;margin-left:.065em}
.hero-copy .hero-kicker{font-size:clamp(1.35rem,2.1vw,1.85rem);line-height:1.23;letter-spacing:-.035em;font-weight:760;color:var(--ink);max-width:570px;margin:0 0 16px}
.hero-copy .hero-lead{font-size:17px;line-height:1.55;color:#526478;max-width:560px;margin:0}
.hero-actions{margin:27px 0 21px;gap:10px}
.hero-actions .button{min-height:54px;padding:14px 19px;box-shadow:0 7px 16px rgba(25,84,167,.08)}
.hero-actions .button-primary{background:#2066c5}
.hero-contact{display:inline-flex;align-items:center;gap:5px;color:#165ca9;text-decoration:none;font-size:13px;font-weight:800;margin-bottom:17px}
.hero-contact:hover{text-decoration:underline}
.hero-facts{display:flex;flex-wrap:wrap;gap:0;margin:0 0 12px;color:#38516a;font-size:12px;font-weight:700}
.hero-facts span{display:inline-flex;align-items:center;gap:6px;margin:0 12px 7px 0}
.hero-facts span:before{content:"✓";font-size:11px;display:grid;place-items:center;width:16px;height:16px;border-radius:50%;background:#dceee9;color:#0b806f;font-weight:900}
.hero-copy .hero-disclosure{color:#697e91;line-height:1.4;font-size:11px;margin:0}
.purchase-ticket{position:relative;display:flex;flex-direction:column;overflow:hidden;min-height:465px;padding:30px 32px 0;border-radius:20px;color:#fff;text-decoration:none;background:radial-gradient(circle at 100% 0%,rgba(63,151,217,.27),transparent 39%),linear-gradient(145deg,#142e50,#0b203a 83%);box-shadow:0 22px 48px rgba(16,40,67,.16);transition:transform .22s,box-shadow .22s}
.purchase-ticket:hover{color:#fff;transform:translateY(-4px);box-shadow:0 28px 58px rgba(16,40,67,.22)}
.purchase-ticket:before{content:"";position:absolute;width:190px;height:190px;border:1px solid rgba(255,255,255,.12);border-radius:50%;right:-87px;top:-110px;box-shadow:0 0 0 36px rgba(255,255,255,.025),0 0 0 75px rgba(255,255,255,.018)}
.ticket-top,.ticket-bottom{display:flex;justify-content:space-between;align-items:center;position:relative;gap:12px}
.ticket-top{color:#94c2ce;border-bottom:1px solid rgba(255,255,255,.22);padding-bottom:16px;font-size:10px;font-weight:800;letter-spacing:.17em}
.ticket-top span:last-child{color:#a6e3d5}
.ticket-heading{display:flex;flex-direction:column;gap:2px;padding:26px 0 19px;position:relative}
.ticket-heading span{font-size:15px;color:#bad2e1}
.ticket-heading strong{font-size:clamp(1.85rem,2.5vw,2.4rem);line-height:1.08;letter-spacing:-.055em}
.ticket-list{margin:0;padding:0;list-style:none;position:relative}
.ticket-list li{display:flex;align-items:center;gap:16px;border-top:1px solid rgba(255,255,255,.14);padding:14px 0}
.ticket-list li>span{color:#6bd5c2;font-size:12px;font-weight:800;letter-spacing:.05em;align-self:flex-start;padding-top:3px}
.ticket-list li>div{display:flex;flex-direction:column;gap:2px}
.ticket-list strong{font-size:15px;line-height:1.2}
.ticket-list small{color:#a9c6d4;font-size:12px;line-height:1.35}
.ticket-list svg{margin-left:auto;color:#7bbdc7}
.ticket-bottom{margin:auto -32px 0;background:#1a695f;padding:18px 32px;color:#fff;font-size:13px;font-weight:800;letter-spacing:.01em}
.purchase-ticket:hover .ticket-bottom{background:#218174}
.first-steps{padding:6px 0 66px}
.first-steps .section-heading{margin-bottom:22px}
.first-steps-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:13px}
.first-step{min-height:216px;display:flex;flex-direction:column;text-decoration:none;color:var(--ink);border:1px solid #d6e3eb;border-radius:14px;background:#fff;padding:22px;transition:transform .2s,border-color .2s,box-shadow .2s}
.first-step:hover{color:var(--ink);transform:translateY(-3px);border-color:#90b9d6;box-shadow:var(--shadow)}
.first-step-number{font-size:11px;font-weight:850;letter-spacing:.08em;color:#168f83;margin-bottom:24px}
.first-step strong{font-size:20px;letter-spacing:-.035em;line-height:1.18;margin-bottom:8px}
.first-step small{font-size:13px;line-height:1.45;color:var(--muted);max-width:310px}
.first-step-action{display:inline-flex;align-items:center;gap:7px;color:var(--blue);font-size:13px;font-weight:800;margin-top:auto;padding-top:18px}
.home-section{padding:37px 0 72px}
.home-section .section-heading{margin-bottom:24px}
.topic-card{min-height:139px}
.split-section{background:#e8f1f3;padding:64px 68px;gap:54px}
.methodology{padding-top:77px}
.closing-action{display:flex;justify-content:space-between;align-items:center;gap:34px;background:linear-gradient(115deg,#1554a3,#1b6ac5);color:#fff;border-radius:18px;padding:35px 45px;margin:0 0 72px}
.closing-action .eyebrow{color:#b5e5df}
.closing-action h2{margin:8px 0 6px;font-size:clamp(1.6rem,2.2vw,2.15rem)}
.closing-action p{color:#deedfa;margin:0;font-size:14px;max-width:680px}
.closing-action .button{flex:none;border-color:transparent;color:#174b8a}
@media(max-width:1100px){.home-hero{grid-template-columns:minmax(0,1fr) minmax(360px,.9fr)}.hero-copy h1{font-size:clamp(4rem,7vw,6rem)}}
@media(max-width:900px){.home-hero{grid-template-columns:1fr;padding:57px 0 65px;gap:36px}.hero-copy h1{font-size:clamp(4rem,10vw,6.5rem)}.purchase-ticket{min-height:430px}.first-steps-grid{grid-template-columns:repeat(3,1fr)}.first-step{padding:17px;min-height:235px}.first-step strong{font-size:18px}.split-section{padding:45px;gap:34px}}
@media(max-width:680px){.home-hero{padding:35px 0 46px;gap:29px}.hero-copy h1{font-size:clamp(3.55rem,14vw,5.2rem);margin:20px 0 14px}.hero-copy .hero-kicker{font-size:clamp(1.35rem,5.5vw,1.65rem)}.hero-copy .hero-lead{font-size:15px}.hero-actions{margin:24px 0 20px}.hero-actions .button{flex:1 1 210px}.hero-facts{max-width:390px}.purchase-ticket{padding:23px 24px 0;min-height:430px}.ticket-heading{padding:23px 0 18px}.ticket-bottom{margin-left:-24px;margin-right:-24px;padding:16px 24px}.first-steps{padding-bottom:52px}.first-steps-grid{grid-template-columns:1fr;gap:10px}.first-step{min-height:0;padding:18px 20px}.first-step-number{margin-bottom:12px}.first-step-action{padding-top:12px}.home-section{padding:25px 0 54px}.topic-card{min-height:120px}.split-section{padding:30px 22px}.methodology{padding-top:61px}.closing-action{display:block;padding:27px 24px;margin-bottom:36px}.closing-action .button{margin-top:21px;width:100%}}
@media(max-width:380px){.hero-copy h1{font-size:3.1rem}.hero-copy h1 span{margin-left:.12em}.hero-actions .button{flex-basis:100%}.purchase-ticket{min-height:445px}.ticket-heading strong{font-size:1.8rem}}
@media(prefers-reduced-motion:reduce){.purchase-ticket,.first-step{transition:none}.purchase-ticket:hover,.first-step:hover{transform:none}}