:root{--ink:#0A1F33;--navy:#0B3C5D;--teal:#0E9AA7;--gold:#F5B841;--bg:#F4F8FB;--text:#1A2B3C;--card:#fff;--muted:#5b6b7b}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--text);background:var(--bg);line-height:1.7}
header{background:var(--ink);color:#fff;padding:16px;position:sticky;top:0;z-index:5}
header .wrap{display:flex;justify-content:space-between;align-items:center;max-width:1040px;margin:auto;flex-wrap:wrap;gap:10px}
header a{color:#fff;text-decoration:none;font-weight:800;font-size:20px;letter-spacing:-.3px}
header a span{color:var(--gold)}
nav a{margin-left:18px;font-size:15px;opacity:.85;font-weight:500}
nav a.cta{background:var(--gold);color:var(--ink);padding:9px 16px;border-radius:999px;opacity:1;font-weight:700}
.hero{background:radial-gradient(1200px 500px at 80% -10%,#14B8C4 0,transparent 60%),linear-gradient(135deg,#0A1F33 0%,#0B3C5D 60%,#0E7C86 100%);color:#fff;padding:84px 16px 96px;text-align:center}
.hero h1{font-size:clamp(32px,6vw,58px);margin:0 0 16px;line-height:1.1;letter-spacing:-1px;font-weight:800}
.hero h1 em{font-style:normal;color:var(--gold)}
.hero p{max-width:640px;margin:0 auto 28px;font-size:19px;opacity:.92}
.btn{display:inline-block;background:var(--gold);color:var(--ink);padding:15px 30px;border-radius:999px;text-decoration:none;font-weight:800;box-shadow:0 8px 24px rgba(245,184,65,.35);transition:transform .15s}
.btn:hover{transform:translateY(-2px)}
.btn.ghost{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.5);box-shadow:none;margin-left:10px}
.chips{display:flex;gap:10px;justify-content:center;flex-wrap:wrap;margin-top:34px}
.chips span{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);padding:8px 16px;border-radius:999px;font-size:14px}
main{max-width:800px;margin:0 auto;padding:36px 16px 72px}
main.wide{max-width:1040px}
h2{color:var(--ink);margin-top:44px;font-size:28px;letter-spacing:-.4px}
h3{color:var(--ink);font-size:19px;margin:.2em 0 .4em}
a{color:#0E7C86}
.card{background:var(--card);border-radius:18px;padding:24px;margin:16px 0;box-shadow:0 2px 12px rgba(10,31,51,.07)}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:18px}
.grid .card{margin:0;transition:transform .15s,box-shadow .15s;border-top:4px solid var(--teal)}
.grid .card:hover{transform:translateY(-4px);box-shadow:0 12px 28px rgba(10,31,51,.14)}
.grid .card a{text-decoration:none;color:var(--ink)}
.tag{display:inline-block;font-size:12px;font-weight:700;letter-spacing:.8px;text-transform:uppercase;color:var(--teal);margin-bottom:6px}
.tldr{border-left:5px solid var(--gold);background:#fff;padding:18px 22px;border-radius:12px;box-shadow:0 2px 12px rgba(10,31,51,.06);font-size:18px}
.meta{color:var(--muted);font-size:14px}
.crumbs{font-size:14px;color:var(--muted)}
.steps{counter-reset:s}.steps .card{position:relative;padding-left:72px}
.steps .card:before{counter-increment:s;content:counter(s);position:absolute;left:20px;top:22px;width:36px;height:36px;border-radius:50%;background:var(--ink);color:var(--gold);font-weight:800;display:flex;align-items:center;justify-content:center}
.band{background:var(--ink);color:#fff;border-radius:22px;padding:36px;text-align:center;margin:44px 0}
.band h2{color:#fff;margin-top:0}
footer{text-align:center;color:#9fb0c0;font-size:13px;padding:40px 16px;background:var(--ink)}
footer a{color:var(--gold)}
.disclosure{font-size:13px;color:var(--muted);background:#fff;padding:12px 14px;border-radius:10px}