:root{--navy:#10213c;--navy2:#172f50;--red:#df3438;--red-dark:#bb222b;--sky:#f2f6fb;--ink:#202e42;--muted:#617087;--line:#e1e7ee;--white:#fff;--green:#19876d;--shadow:0 12px 35px rgba(18,43,77,.09)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:Inter,Arial,Helvetica,sans-serif;line-height:1.6;background:#fff}a{color:inherit;text-decoration:none}button,input,select{font:inherit}button{cursor:pointer}.container{width:min(1160px,calc(100% - 40px));margin:auto}.topline{background:#0c1b32;color:#d8e4f1;font-size:12px;text-align:center;padding:8px}.header{position:sticky;top:0;z-index:30;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 3px 13px rgba(21,41,66,.04)}.nav{display:flex;align-items:center;justify-content:space-between;gap:22px;min-height:76px}.brand{display:flex;align-items:center;gap:11px;white-space:nowrap}.brand-icon{width:42px;height:42px;background:var(--red);color:#fff;border-radius:12px;display:grid;place-items:center}.brand-text{font-size:21px;line-height:1.1;font-weight:850;letter-spacing:-.7px;color:var(--navy)}.brand-text span{color:var(--red)}.brand-text small{display:block;font-size:10px;letter-spacing:2px;color:#728097;margin-top:4px;font-weight:700}.navlinks{display:flex;align-items:center;gap:26px;font-size:13px;font-weight:750}.navlinks a:hover,.textlink:hover{color:var(--red)}.btn{border:0;border-radius:8px;display:inline-flex;justify-content:center;align-items:center;gap:8px;background:var(--red);color:#fff;padding:14px 22px;font-weight:800;box-shadow:0 7px 15px rgba(223,52,56,.16);transition:.2s}.btn:hover{background:var(--red-dark);transform:translateY(-1px)}.btn.small{padding:11px 16px;font-size:13px}.btn.white{color:var(--navy);background:#fff;box-shadow:none}.btn.outline{background:#fff;border:1px solid var(--line);box-shadow:none;color:var(--navy)}.menu{display:none;border:0;background:none;font-size:24px;color:var(--navy)}.hero{background:linear-gradient(112deg,rgba(9,27,51,.95),rgba(14,37,65,.84) 57%,rgba(12,29,51,.45)),url('https://images.unsplash.com/photo-1441148345475-03a2e82f9719?auto=format&fit=crop&w=1900&q=85') center/cover;color:#fff;padding:77px 0 88px}.hero-grid{display:grid;grid-template-columns:1.1fr .75fr;gap:65px;align-items:center}.eyebrow{display:inline-block;color:#ffcfcc;font-size:12px;font-weight:850;letter-spacing:2px;text-transform:uppercase}.hero h1{font-size:clamp(38px,5vw,62px);line-height:1.09;letter-spacing:-2px;margin:14px 0 19px}.hero h1 em{font-style:normal;color:#ff7774}.hero p{font-size:17px;max-width:590px;color:#e3eaf3;margin-bottom:26px}.hero-points{display:flex;flex-wrap:wrap;gap:15px 23px;font-size:12px;font-weight:700;color:#e4edf5}.hero-points span:before{content:'✓';color:#78dcaa;font-size:17px;margin-right:7px}.quote-panel{background:#fff;padding:29px;border-radius:16px;color:var(--ink);box-shadow:0 22px 65px rgba(0,0,0,.24)}.quote-panel .pill{font-size:11px;font-weight:850;color:var(--red);background:#fff0f0;padding:6px 11px;border-radius:20px}.quote-panel h2{font-size:24px;line-height:1.2;letter-spacing:-.6px;margin:15px 0 8px}.quote-panel p{color:var(--muted);font-size:13px;margin:0 0 17px}.formrow{display:grid;grid-template-columns:1fr 1fr;gap:10px}.field{display:flex;flex-direction:column;gap:6px;margin-bottom:12px}.field label{font-size:12px;font-weight:800}.field input,.field select{height:47px;width:100%;border:1px solid #d5dee8;border-radius:7px;padding:0 12px;outline:none;background:#fff;color:var(--ink)}.field input:focus,.field select:focus{border-color:var(--red);box-shadow:0 0 0 3px #df34381a}.quote-panel .btn{width:100%;margin-top:3px}.micro{font-size:11px!important;color:#7b8796!important;line-height:1.5;margin:12px 0 0!important}.trustbar{background:#f6f8fb;border-bottom:1px solid var(--line)}.trustitems{display:flex;justify-content:space-between;align-items:center;gap:15px;padding:19px 0;color:#4d6079;font-size:13px;font-weight:750}.trustitems span{display:flex;align-items:center;gap:8px}.iconcircle{background:#eaf0fa;color:var(--navy);height:35px;width:35px;border-radius:100%;display:grid;place-items:center;flex-shrink:0}.section{padding:77px 0}.section.soft{background:var(--sky)}.section-head{max-width:720px;margin:0 auto 37px;text-align:center}.section-head .eyebrow{color:var(--red)}.section h2{font-size:clamp(28px,3vw,39px);line-height:1.19;letter-spacing:-1px;color:var(--navy);margin:10px 0}.section-head p{color:var(--muted);margin:12px 0}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:17px}.card{border:1px solid var(--line);border-radius:13px;padding:25px;background:#fff;box-shadow:0 4px 15px rgba(12,37,67,.03);transition:.2s}.card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}.card h3{font-size:19px;letter-spacing:-.3px;line-height:1.25;margin:19px 0 10px;color:var(--navy)}.card p{color:var(--muted);font-size:14px;margin:0 0 17px}.card .textlink{font-size:13px;color:var(--red);font-weight:850}.card-icon{height:52px;width:52px;border-radius:12px;background:#fff0f0;color:var(--red);display:grid;place-items:center;font-size:25px}.step-number{font-size:12px;color:var(--red);font-weight:900;letter-spacing:1px}.how-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:36px}.how-step{position:relative;padding:5px}.how-step:after{content:'→';position:absolute;right:-24px;top:24px;color:#b4c0ce;font-size:25px}.how-step:last-child:after{display:none}.how-step h3{font-size:19px;color:var(--navy);margin:10px 0}.how-step p{font-size:14px;color:var(--muted)}.split{display:grid;grid-template-columns:1fr 1fr;align-items:center;gap:55px}.split img{width:100%;height:430px;object-fit:cover;border-radius:16px}.checklist{list-style:none;padding:0;margin:20px 0 25px}.checklist li{padding:7px 0;font-size:14px}.checklist li:before{content:'✓';font-weight:900;color:var(--green);margin-right:12px}.article-card{overflow:hidden;border-radius:12px;background:#fff;border:1px solid var(--line)}.article-card img{height:174px;object-fit:cover;width:100%}.article-body{padding:20px}.tag{font-size:10px;letter-spacing:1px;color:var(--red);font-weight:900;text-transform:uppercase}.article-card h3{font-size:18px;line-height:1.33;margin:10px 0;color:var(--navy)}.article-card p{color:var(--muted);font-size:13px;margin:0 0 17px}.article-card a.read{color:var(--red);font-size:13px;font-weight:850}.cta-band{background:linear-gradient(100deg,#0e2340,#1b3b64);border-radius:17px;padding:45px;display:flex;align-items:center;justify-content:space-between;gap:30px;color:#fff}.cta-band h2{color:#fff;margin:0 0 10px}.cta-band p{color:#d7e2ef;margin:0}.faq{max-width:800px;margin:auto}.faq details{border-bottom:1px solid var(--line);padding:19px 0}.faq summary{list-style:none;cursor:pointer;font-weight:800;color:var(--navy);display:flex;justify-content:space-between;gap:20px}.faq summary:after{content:'+';color:var(--red);font-size:20px}.faq details[open] summary:after{content:'−'}.faq p{font-size:14px;color:var(--muted);margin-bottom:0}.footer{background:#0d1d33;color:#bbc9d9;padding:55px 0 22px}.footer .brand-text{color:#fff}.footgrid{display:grid;grid-template-columns:1.7fr 1fr 1fr 1fr;gap:34px}.footer h4{color:#fff;font-size:14px;margin:0 0 16px}.footer a{display:block;color:#bac8d9;font-size:13px;margin:8px 0}.footer a:hover{color:#fff}.footer p{font-size:12px;max-width:360px}.footbottom{border-top:1px solid #33435a;margin-top:38px;padding-top:20px;font-size:11px;color:#91a1b4}.pagehero{background:#f1f6fb;padding:65px 0;border-bottom:1px solid var(--line)}.pagehero h1{font-size:clamp(32px,4vw,49px);letter-spacing:-1.3px;line-height:1.13;color:var(--navy);max-width:800px;margin:9px 0}.pagehero p{color:var(--muted);max-width:730px}.content{max-width:790px;margin:60px auto 80px;padding:0 20px}.content h2{color:var(--navy);font-size:25px;margin-top:35px}.content h3{color:var(--navy)}.content p,.content li{color:#46556b}.content a{color:var(--red);text-decoration:underline}.content img{width:100%;border-radius:12px;max-height:420px;object-fit:cover;margin:12px 0}.content .callout{background:var(--sky);border-left:4px solid var(--red);padding:20px;margin:25px 0}.breadcrumbs{font-size:12px;font-weight:700;color:var(--muted);margin-bottom:16px}.breadcrumbs a{color:var(--red)}.notice{padding:13px;background:#fff9ea;border:1px solid #f4e1ad;border-radius:8px;font-size:13px}.search-note{font-size:12px;color:var(--muted);margin-top:10px}#result{display:none;margin-top:14px;padding:14px;background:#edf8f3;border:1px solid #c6ebdb;border-radius:9px;font-size:13px}#result.show{display:block}.sticky-mobile{display:none}.contact-form{display:grid;gap:13px;max-width:550px}.contact-form input,.contact-form textarea{padding:12px;border:1px solid var(--line);border-radius:7px;width:100%}.contact-form textarea{min-height:130px}.hidden{display:none!important}@media(max-width:1000px){.navlinks{gap:15px}.grid4{grid-template-columns:repeat(2,1fr)}.hero-grid{gap:27px}}@media(max-width:760px){.container{width:min(100% - 30px,1160px)}.nav{min-height:67px}.brand-text{font-size:17px}.navlinks{display:none;position:absolute;top:67px;left:0;right:0;background:#fff;padding:20px;flex-direction:column;align-items:stretch;box-shadow:0 20px 22px #0c213322}.navlinks.open{display:flex}.nav>.btn{display:none}.menu{display:block}.hero{padding:50px 0}.hero-grid,.split{grid-template-columns:1fr}.hero h1{font-size:43px}.quote-panel{padding:22px}.trustitems{display:grid;grid-template-columns:1fr 1fr;font-size:11px}.section{padding:52px 0}.grid3,.how-grid{grid-template-columns:1fr}.how-step:after{display:none}.split{gap:25px}.split img{height:260px;order:-1}.cta-band{padding:28px;display:block}.cta-band .btn{margin-top:20px}.footgrid{grid-template-columns:1fr 1fr}.footgrid>div:first-child{grid-column:1/-1}.sticky-mobile{position:fixed;bottom:0;left:0;right:0;background:#fff;box-shadow:0 -4px 17px #112a4224;padding:10px 15px;display:block;z-index:25}.sticky-mobile .btn{width:100%}.footer{padding-bottom:82px}}@media(max-width:420px){.grid4,.formrow{grid-template-columns:1fr}.hero h1{font-size:37px}.footgrid{gap:22px}}

/* Editorial refresh */
.editorial-hero{background:linear-gradient(100deg,rgba(8,23,43,.98) 0%,rgba(14,32,55,.9) 51%,rgba(15,34,57,.3) 100%),url("https://images.unsplash.com/photo-1449965408869-eaa3f722e40d?auto=format&fit=crop&w=1900&q=85") center/cover;min-height:490px;display:flex;align-items:center}.editorial-hero-inner{max-width:1160px}.editorial-hero h1{max-width:680px}.hero-actions{display:flex;gap:13px;margin:30px 0 24px}.hero-secondary{background:transparent;border:1px solid #b9c6d4;color:white;box-shadow:none}.hero-secondary:hover{background:#ffffff20}.topic-card{display:block}.topic-card:hover .textlink{color:var(--red-dark)}.centered-link{text-align:center;margin-top:36px}.article-intro{font-size:18px;color:#344761!important;line-height:1.75}.related-links{display:flex;flex-direction:column;gap:10px;margin:12px 0 32px}.related-links a{font-weight:700}.content .btn{color:#fff;text-decoration:none}@media(max-width:760px){.editorial-hero{min-height:440px;background-position:65% center}.hero-actions{flex-wrap:wrap}.hero-actions .btn{flex:1 1 180px}.article-card img{height:210px}}