@font-face{font-family:Inter;src:url(/assets/inter.woff2) format("woff2");font-weight:100 900;font-display:swap}
:root{--ink:#0d2a24;--ink2:#2c3f3a;--mut:#5b6b66;--line:#e3e9e6;--bg:#fbfaf7;--card:#fff;--pine:#13463b;--teal:#1f7a6a;--mint:#5fc3a6;--copper:#c17a3a;--sand:#f3e6d3;--soft:#eef5f2;
--grad:linear-gradient(135deg,#13463b 0%,#1f7a6a 55%,#3aa88c 100%);--r:18px;--sh:0 1px 2px rgba(13,42,36,.06),0 8px 28px rgba(13,42,36,.07)}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink2);background:var(--bg);line-height:1.65;font-size:17px;padding-bottom:64px}
@media(min-width:900px){body{padding-bottom:0}}
h1,h2,h3,h4{color:var(--ink);line-height:1.2;letter-spacing:-.015em;margin:0 0 .5em}
h1{font-size:clamp(2rem,5.2vw,3.3rem);font-weight:780}h2{font-size:clamp(1.45rem,3vw,2rem);font-weight:720;margin-top:.2em}h3{font-size:1.12rem;font-weight:680}
p{margin:0 0 1em}a{color:var(--teal);text-underline-offset:3px}a:hover{color:var(--pine)}
img,svg{max-width:100%}.w{max-width:1160px;margin:0 auto;padding:0 20px}.nar{max-width:820px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;z-index:99;background:#fff;padding:8px 12px;border-radius:8px}
.pv{background:#ffe9a8;color:#5a4300;text-align:center;font-size:14px;padding:6px}
.i{width:22px;height:22px;flex:none}.i.sm{width:16px;height:16px;vertical-align:-3px;margin-left:4px}
/* header */
.hd{position:sticky;top:0;z-index:50;background:rgba(251,250,247,.92);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.hd-in{display:flex;align-items:center;gap:16px;min-height:68px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink)}.brand .mk{flex:none}
.wm{display:flex;flex-direction:column;line-height:1}.wm b{font-size:20px;font-weight:800;letter-spacing:-.02em}.wm small{font-size:11.5px;letter-spacing:.22em;text-transform:uppercase;color:var(--copper);font-weight:650;margin-top:4px}
.ft .wm b{color:#fff}
.nav{margin-left:auto}.nav ul{list-style:none;margin:0;padding:0;display:none}.nt{position:absolute;opacity:0;width:1px;height:1px}
.nb{display:flex;flex-direction:column;gap:5px;cursor:pointer;padding:10px}.nb span{width:24px;height:2px;background:var(--ink);border-radius:2px}
.nt:checked~ul{display:flex;flex-direction:column;position:absolute;left:0;right:0;top:68px;background:#fff;padding:10px 20px 20px;border-bottom:1px solid var(--line);box-shadow:var(--sh)}
.nav a{display:block;padding:10px 4px;text-decoration:none;color:var(--ink);font-weight:560;font-size:15.5px}.nav a[aria-current]{color:var(--teal)}
.hd-cta{display:none}
@media(min-width:1000px){.nb{display:none}.nav ul{display:flex;gap:6px}.nav a{padding:8px 10px;border-radius:10px}.nav a:hover{background:var(--soft)}.hd-cta{display:inline-flex}}
/* buttons */
.btn{display:inline-flex;align-items:center;gap:6px;justify-content:center;background:var(--grad);color:#fff;text-decoration:none;font-weight:650;border:0;border-radius:999px;padding:12px 20px;font-size:16px;cursor:pointer;box-shadow:0 6px 18px rgba(31,122,106,.25);transition:transform .15s,box-shadow .15s;font-family:inherit}
.btn:hover{color:#fff;transform:translateY(-1px);box-shadow:0 10px 24px rgba(31,122,106,.3)}.btn.sm{padding:9px 16px;font-size:14.5px}.btn.lg{padding:15px 26px;font-size:17px}
.btn.ghost{background:#fff;color:var(--pine);box-shadow:inset 0 0 0 1.5px var(--line)}.btn.ghost:hover{color:var(--pine);box-shadow:inset 0 0 0 1.5px var(--teal)}
.cta-row{display:flex;flex-wrap:wrap;gap:12px}
/* heroes */
.phero{padding:34px 0 30px;background:radial-gradient(1200px 400px at 85% -10%,rgba(95,195,166,.18),transparent 60%),linear-gradient(180deg,#f4f8f6,var(--bg));border-bottom:1px solid var(--line)}
.phero h1{max-width:900px}.lede{font-size:1.15rem;color:var(--ink2);max-width:760px}
.eyebrow{display:inline-block;font-size:13px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--copper);margin-bottom:10px}
.crumbs ol{list-style:none;margin:0 0 14px;padding:0;display:flex;flex-wrap:wrap;gap:6px;font-size:14px;color:var(--mut)}.crumbs li+li:before{content:"/";margin-right:6px;color:#b8c4bf}.crumbs a{color:var(--mut)}
.home-hero{background:radial-gradient(900px 500px at 90% 10%,rgba(95,195,166,.35),transparent 60%),radial-gradient(700px 400px at 0% 100%,rgba(193,122,58,.22),transparent 60%),linear-gradient(160deg,#0d2a24,#13463b 60%,#185c4e);color:#dfeee9;padding:56px 0 64px;border:0}
.home-hero h1{color:#fff}.home-hero .lede{color:#cfe5de}.home-hero .crumbs{display:none}.home-hero .eyebrow{color:#f0b987}
.grad-t{background:linear-gradient(90deg,#9be3cc,#f0b987);-webkit-background-clip:text;background-clip:text;color:transparent}
.paths{display:grid;gap:14px;margin-top:28px}@media(min-width:760px){.paths{grid-template-columns:1fr 1fr}}
.path{display:block;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:var(--r);padding:20px 22px;color:#fff;text-decoration:none;transition:background .2s,transform .2s}
.path:hover{background:rgba(255,255,255,.12);color:#fff;transform:translateY(-2px)}.path b{display:block;font-size:1.2rem;margin-bottom:4px}.path span{color:#cfe5de;font-size:15.5px}
.trust{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:22px;font-size:14.5px;color:#cfe5de}.trust span{display:flex;align-items:center;gap:6px}.trust .i{color:var(--mint);width:18px;height:18px}
/* sections */
.s{padding:46px 0}.s+.s{padding-top:10px}.s.alt{background:var(--soft);padding:50px 0;margin:20px 0}.s.alt+.s{padding-top:46px}
.lead{font-size:1.08rem;max-width:760px}
.ans{background:#fff;border:1px solid var(--line);border-left:4px solid var(--teal);border-radius:12px;padding:16px 18px;margin:0 0 22px;box-shadow:var(--sh)}
.ans-l{display:block;font-size:12.5px;font-weight:750;letter-spacing:.1em;text-transform:uppercase;color:var(--teal);margin-bottom:4px}.ans p{margin:0;color:var(--ink);font-size:1.05rem}
.note{background:#fff8ef;border:1px solid #f0dcc2;border-radius:12px;padding:14px 18px;margin:18px 0}.note b{color:#8a4f1d}.note p{margin:.3em 0 0}
.cards{display:grid;gap:14px;margin-top:18px}@media(min-width:700px){.cards{grid-template-columns:repeat(2,1fr)}}@media(min-width:1020px){.cards.c3{grid-template-columns:repeat(3,1fr)}}
.card{display:block;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:20px;text-decoration:none;color:var(--ink2);box-shadow:var(--sh);transition:transform .2s,border-color .2s}
a.card:hover{transform:translateY(-3px);border-color:#bfe0d5;color:var(--ink2)}.card p{margin:0;font-size:15.5px}.card h3{margin:.55em 0 .35em}
.ci{display:inline-flex;width:42px;height:42px;border-radius:12px;align-items:center;justify-content:center;background:linear-gradient(135deg,#e3f4ee,#f6ece0);color:var(--pine)}
.more{display:inline-block;margin-top:10px;font-weight:650;color:var(--teal);font-size:15px}
.bento{display:grid;gap:14px;margin-top:18px}@media(min-width:900px){.bento{grid-template-columns:repeat(6,1fr)}.bento .b1{grid-column:span 4}.bento .b2{grid-column:span 2}.bento .b3{grid-column:span 2}.bento .b4{grid-column:span 4}}
.bento .card.dark{background:var(--grad);color:#e6f3ef;border:0}.bento .card.dark h3{color:#fff}.bento .card.dark .ci{background:rgba(255,255,255,.14);color:#fff}
.steps{list-style:none;margin:18px 0 0;padding:0;position:relative}.steps li{display:flex;gap:16px;padding:0 0 22px;position:relative}
.steps li:before{content:"";position:absolute;left:19px;top:42px;bottom:0;width:2px;background:linear-gradient(var(--mint),var(--line))}.steps li:last-child:before{display:none}
.steps .n{flex:none;width:40px;height:40px;border-radius:50%;background:var(--grad);color:#fff;font-weight:750;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 12px rgba(31,122,106,.3)}
.steps h3{margin:.35em 0 .2em}.steps p{margin:0}
.tw{overflow-x:auto;margin:16px 0 22px;border:1px solid var(--line);border-radius:14px;background:#fff}table{border-collapse:collapse;width:100%;font-size:15.5px}
caption{text-align:left;padding:12px 14px 0;font-weight:650;color:var(--ink)}th,td{padding:11px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}th{background:#f4f8f6;color:var(--ink);font-weight:650}tr:last-child td{border-bottom:0}
ul.ck{list-style:none;padding:0}ul.ck li{position:relative;padding-left:28px;margin:.45em 0}ul.ck li:before{content:"";position:absolute;left:2px;top:.45em;width:14px;height:8px;border-left:2.5px solid var(--teal);border-bottom:2.5px solid var(--teal);transform:rotate(-45deg)}
.src{font-size:.86em;color:var(--mut);white-space:nowrap}.src:before{content:"Source: "}
.fql{display:grid;gap:10px}.fq{background:#fff;border:1px solid var(--line);border-radius:14px;padding:0 18px}.fq summary{cursor:pointer;list-style:none;padding:16px 28px 16px 0;position:relative}
.fq summary::-webkit-details-marker{display:none}.fq summary h3{margin:0;font-size:1.04rem}.fq summary:after{content:"+";position:absolute;right:0;top:12px;font-size:24px;color:var(--teal)}.fq[open] summary:after{content:"\2212"}
.fa{padding:0 0 14px}
.rl{list-style:none;padding:0;display:grid;gap:8px}@media(min-width:700px){.rl{grid-template-columns:1fr 1fr}}.rl a{display:flex;justify-content:space-between;align-items:center;background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px 16px;text-decoration:none;font-weight:600;color:var(--ink)}.rl a:hover{border-color:var(--teal)}
/* band + footer */
.band{padding:20px 0 50px}.band-in{background:var(--grad);border-radius:26px;padding:30px 26px;color:#e6f3ef;display:grid;gap:18px;box-shadow:0 20px 50px rgba(13,42,36,.25)}
.band h2{color:#fff}.band a:not(.btn){color:#fff}.band .btn{background:#fff;color:var(--pine)}.band .btn.ghost{background:transparent;color:#fff;box-shadow:inset 0 0 0 1.5px rgba(255,255,255,.5)}
@media(min-width:900px){.band-in{grid-template-columns:1.3fr 1fr;align-items:center;padding:40px 44px}}
.ft{background:var(--ink);color:#b9cdc7;padding:46px 0 26px;font-size:15px}.ft a{color:#dcebe6}.ft h4{color:#fff;font-size:14px;letter-spacing:.08em;text-transform:uppercase;margin:0 0 10px}
.fcols{display:grid;gap:26px}@media(min-width:760px){.fcols{grid-template-columns:1.6fr 1fr 1fr 1fr 1fr}}.ft ul{list-style:none;margin:0;padding:0}.ft li{margin:6px 0}.ft li a{text-decoration:none}
.fb p{margin-top:14px}.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:30px;padding-top:18px;font-size:13.5px;color:#9fb6af}
/* mobile bar */
.mbar{position:fixed;left:0;right:0;bottom:0;z-index:60;display:flex;background:#fff;border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(13,42,36,.08)}
.mbar a{flex:1;display:flex;flex-direction:column;align-items:center;gap:2px;padding:8px 4px 10px;font-size:12.5px;font-weight:650;text-decoration:none;color:var(--pine)}.mbar a.pri{background:var(--grad);color:#fff}
@media(min-width:900px){.mbar{display:none}}
/* forms */
.lf{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--sh);display:grid;gap:12px}
.lf label{display:grid;gap:5px;font-weight:600;font-size:14.5px;color:var(--ink)}.fr2{display:grid;gap:12px}@media(min-width:640px){.fr2{grid-template-columns:1fr 1fr}}
.lf input,.lf select,.lf textarea,.calc input,.calc select{font:inherit;font-weight:400;font-size:16px;padding:11px 12px;border:1.5px solid #d5dfdb;border-radius:10px;background:#fff;width:100%;color:var(--ink)}
.lf input:focus,.lf select:focus,.lf textarea:focus,.calc input:focus,.calc select:focus{outline:0;border-color:var(--teal);box-shadow:0 0 0 3px rgba(31,122,106,.15)}
.hp{position:absolute;left:-9999px}.fine{font-size:13.5px;color:var(--mut);margin:0}.form-msg{margin:0;color:#8a3b12;font-weight:600}
.two{display:grid;gap:24px}@media(min-width:960px){.two{grid-template-columns:1.1fr .9fr;align-items:start}}
/* calculator */
.calc{display:grid;gap:18px}@media(min-width:960px){.calc{grid-template-columns:1fr 1fr;align-items:start}}
.cbox{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--sh);display:grid;gap:14px}
.cbox label{display:grid;gap:5px;font-weight:600;font-size:14.5px;color:var(--ink)}.cbox .chk{display:flex;gap:10px;align-items:flex-start;font-weight:500}.cbox .chk input{width:20px;height:20px;margin-top:3px;flex:none;accent-color:var(--teal)}
.seg{display:grid;gap:8px}.seg label{display:flex;gap:10px;align-items:center;border:1.5px solid var(--line);border-radius:12px;padding:10px 12px;cursor:pointer;font-weight:560}.seg input{accent-color:var(--teal);width:18px;height:18px}
.seg label:has(input:checked){border-color:var(--teal);background:#f1faf7}
.res{background:var(--grad);color:#e6f3ef;border:0}.res h2,.res h3{color:#fff}.rline{display:flex;justify-content:space-between;gap:12px;align-items:baseline;border-bottom:1px solid rgba(255,255,255,.18);padding:10px 0}
.rline b{font-size:1.35rem;color:#fff;font-variant-numeric:tabular-nums}.rline.tot b{font-size:1.9rem}.rexp{font-size:14.5px;color:#d3e9e2;margin:2px 0 8px}
.res .disc{font-size:13.5px;color:#cfe5de;margin:8px 0 0}.res .btn{background:#fff;color:var(--pine)}
.brk{font-size:14px}.brk td,.brk th{padding:7px 10px}
.rv{opacity:0;transform:translateY(10px);transition:opacity .5s ease,transform .5s ease}.rv.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important;scroll-behavior:auto!important}.rv{opacity:1;transform:none}}
[hidden]{display:none!important}
.hd-cta{white-space:nowrap}@media(max-width:999px){.hd-cta{display:none!important}}