@import "https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800&family=Fraunces:ital,opsz,wght@0,9..144,600;0,9..144,700;0,9..144,800;1,9..144,600&display=swap";:root{--primary:#1a3a5c;--primary-dark:#0f2740;--accent:#2d8f6f;--accent-light:#e8f5ef;--accent-hover:#257a5e;--bg:#fff;--bg-alt:#f5f7fa;--bg-warm:#fdf8f0;--text:#1e293b;--text-muted:#64748b;--border:#e2e8f0;--danger:#dc2626;--gold:#b8860b;--radius:8px;--radius-lg:12px;--shadow-sm:0 1px 3px #0000000f;--shadow-md:0 4px 16px #00000014;--shadow-lg:0 8px 32px #0000001f;--font-sans:"Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;--font-serif:"Fraunces", Georgia, "Times New Roman", serif;--font-mono:"SF Mono", "Cascadia Code", "Consolas", monospace;--transition:.2s cubic-bezier(.4,0,.2,1)}*,:before,:after{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth;scroll-padding-top:64px}body{font-family:var(--font-sans);color:var(--text);background:var(--bg);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;font-size:16px;line-height:1.75}::selection{background:var(--accent);color:#fff}a{color:var(--accent);transition:color var(--transition);text-decoration:none}a:hover{color:var(--accent-hover);text-decoration:underline}img{max-width:100%;height:auto}.container{max-width:880px;margin:0 auto;padding:0 24px}@media (width<=640px){.container{padding:0 16px}}.sr-only{clip:rect(0,0,0,0);white-space:nowrap;border:0;width:1px;height:1px;position:absolute;overflow:hidden}header{background:linear-gradient(160deg, var(--primary-dark) 0%, var(--primary) 60%, #244a6e 100%);color:#fff;padding:64px 0 52px;position:relative;overflow:hidden}header:before{content:"";pointer-events:none;background:radial-gradient(80% 60% at 70% 20%,#2d8f6f1f 0%,#0000 70%);position:absolute;inset:0}header h1{font-family:var(--font-serif);letter-spacing:-.02em;margin-bottom:12px;font-size:2.5rem;font-weight:700;line-height:1.2;position:relative}header .subtitle{opacity:.85;max-width:620px;font-size:1.1rem;line-height:1.65}header .hero-cta{flex-wrap:wrap;gap:12px;margin-top:24px;display:flex;position:relative}header .hero-cta .btn{border-radius:var(--radius);padding:12px 28px;font-size:.95rem}header .hero-cta .btn-outline{color:#fff;background:0 0;border:1.5px solid #ffffff80}header .hero-cta .btn-outline:hover{background:#ffffff1a;border-color:#fff;text-decoration:none}.byline{opacity:.65;margin-top:12px;font-size:.8rem}.byline a{color:#ffffffe6;text-decoration:underline}.breadcrumb{opacity:.7;margin-bottom:20px;font-size:.8rem}.breadcrumb a{color:#ffffffe6;text-decoration:none}.breadcrumb a:hover{text-decoration:underline}.breadcrumb .sep{opacity:.5;margin:0 6px}.breadcrumb svg{vertical-align:-2px;display:inline}nav{-webkit-backdrop-filter:blur(12px);border-bottom:1px solid var(--border);z-index:100;background:#fffffff2;position:sticky;top:0}nav .container{scrollbar-width:none;gap:4px;padding:0 20px;display:flex;overflow-x:auto}nav .container::-webkit-scrollbar{display:none}nav a{color:var(--text-muted);white-space:nowrap;transition:color var(--transition), border-color var(--transition);border-bottom:2px solid #0000;align-items:center;gap:6px;padding:14px 16px;font-size:.875rem;font-weight:500;text-decoration:none;display:flex}nav a svg{opacity:.7;width:16px;height:16px;transition:opacity var(--transition);flex-shrink:0}nav a:hover,nav a.active{color:var(--primary);border-color:var(--primary);text-decoration:none}nav a:hover svg,nav a.active svg{opacity:1}nav .nav-brand{color:var(--primary);font-weight:700;font-family:var(--font-serif);letter-spacing:-.01em;margin-right:8px;font-size:1rem}main{padding:56px 0 80px}main 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18px}.stat-card:hover{box-shadow:var(--shadow-md);transform:translateY(-2px)}.stat-card .stat-value{font-family:var(--font-serif);color:var(--primary);font-variant-numeric:tabular-nums;font-size:1.85rem;font-weight:700;line-height:1.2}.stat-card .stat-label{color:var(--text-muted);margin-top:6px;font-size:.78rem;line-height:1.4}.table-wrapper{border-radius:var(--radius);border:1px solid var(--border);margin:0 0 32px;overflow-x:auto}.data-table{border-collapse:collapse;width:100%;font-size:.925rem}.data-table thead{border-bottom:2px solid var(--primary);background:var(--bg-alt)}.data-table th{text-align:left;color:var(--primary);text-transform:uppercase;letter-spacing:.04em;white-space:nowrap;padding:10px 12px;font-size:.8rem;font-weight:600}.data-table td{border-bottom:1px solid var(--border);font-variant-numeric:tabular-nums;padding:10px 12px}.data-table tbody tr:hover{background:var(--bg-alt)}.data-table .positive{color:var(--accent);font-weight:600}.card-grid{grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:18px;margin:0 0 36px;display:grid}.card{background:var(--bg);border:1px solid var(--border);border-radius:var(--radius-lg);transition:box-shadow var(--transition), border-color var(--transition), transform var(--transition);color:inherit;padding:24px 22px;text-decoration:none;display:block}.card:hover{box-shadow:var(--shadow-md);border-color:var(--accent);text-decoration:none;transform:translateY(-2px)}.card h3{margin-top:0;font-size:1.1rem}.card .card-icon{border-radius:var(--radius);background:var(--accent-light);width:40px;height:40px;color:var(--accent);transition:background var(--transition);justify-content:center;align-items:center;margin-bottom:16px;display:flex}.card:hover .card-icon{background:var(--accent);color:#fff}.card .card-icon svg{width:20px;height:20px}.card 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var(--accent);width:34px;height:34px;color:var(--accent);transition:background var(--transition), color var(--transition);border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;font-size:.85rem;font-weight:700;display:flex}.timeline-item:hover .timeline-marker{background:var(--accent);color:#fff}.timeline-body h4{margin:0 0 4px;font-size:1rem}.timeline-body p{color:var(--text-muted);margin:0;font-size:.9rem}.tip-box{background:var(--bg-warm);border-radius:var(--radius);border:1px solid #e8d5a3;margin:0 0 24px;padding:16px 18px;font-size:.925rem}.tip-box strong{color:var(--gold)}.faq-item{border:1px solid var(--border);border-radius:var(--radius-lg);transition:box-shadow var(--transition);margin-bottom:12px;overflow:hidden}.faq-item:hover{box-shadow:var(--shadow-sm)}.faq-item summary{color:var(--primary);cursor:pointer;transition:background var(--transition);justify-content:space-between;align-items:center;padding:18px 20px;font-size:1rem;font-weight:600;list-style:none;display:flex}.faq-item summary:hover{background:var(--bg-alt)}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";color:var(--text-muted);transition:transform var(--transition);flex-shrink:0;margin-left:12px;font-size:1.25rem;font-weight:400}.faq-item[open] summary:after{transform:rotate(45deg)}.faq-item[open] summary{background:var(--bg-alt);border-bottom:1px solid var(--border)}.faq-item .faq-answer{color:#334155;padding:16px 20px;font-size:.925rem;line-height:1.7}.faq-item .faq-answer a{font-weight:500}.cta-box{background:linear-gradient(135deg, var(--accent-light) 0%, #f0faf5 100%);border-radius:var(--radius-lg);text-align:center;border:1px solid #2d8f6f33;margin-top:56px;padding:32px}.cta-box strong{color:var(--primary);margin-bottom:8px;font-size:1.2rem;display:block}.cta-box p{color:var(--text-muted);margin-bottom:16px}.cta-box .btn-group{flex-wrap:wrap;justify-content:center;gap:10px;display:flex}footer{background:var(--bg-alt);border-top:1px solid var(--border);color:var(--text-muted);padding:36px 0;font-size:.85rem}footer a{color:var(--text-muted);transition:color var(--transition)}footer a:hover{color:var(--accent)}.footer-links{flex-wrap:wrap;gap:16px;margin-top:12px;display:flex}.footer-links a{color:var(--text-muted);font-size:.8rem}.footer-links a:hover{color:var(--accent)}@media (width<=640px){header{padding:40px 0 32px}header h1{font-size:1.75rem}header .subtitle{font-size:.95rem}main{padding:36px 0 52px}main h2{margin:40px 0 12px;font-size:1.25rem}.card-grid{grid-template-columns:1fr}.stats-bar{grid-template-columns:repeat(2,1fr);gap:10px}.stat-card{padding:16px 12px}.stat-card .stat-value{font-size:1.4rem}.calc-row{flex-direction:column}.cta-box{padding:24px 18px}}@media print{nav,.btn,.hero-cta{display:none}body{font-size:13px}header{color:#000;background:0 0;padding:20px 0}}@keyframes 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