:root{--navy:#0a2540;--navy-2:#14365d;--navy-3:#1e4a7d;--emerald:#00c389;--emerald-dark:#009e6f;--emerald-soft:#e6f9f2;--ink:#0a2540;--body:#3d4f63;--muted:#6b7d93;--line:#e2e9f2;--bg:#ffffff;--bg-soft:#f4f7fb;--bg-card:#ffffff;--red:#e5484d;--red-soft:#fdeeee;--amber:#f5a623;--radius:16px;--radius-sm:10px;--shadow:0 10px 30px rgba(10,37,64,.08);--shadow-lg:0 24px 60px rgba(10,37,64,.14);--font:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;--wrap:1180px}*,*::before,*::after{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:var(--font);color:var(--body);background:var(--bg);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}h1,h2,h3,h4{color:var(--ink);line-height:1.25;margin:0 0 .6em;font-weight:800;letter-spacing:-.02em}h1{font-size:clamp(2rem,4.5vw,3.1rem)}h2{font-size:clamp(1.5rem,3vw,2.1rem)}h3{font-size:1.25rem}p{margin:0 0 1.1em}a{color:var(--navy-3);text-decoration:none}a:hover{text-decoration:underline}img{max-width:100%;height:auto}.wrap{max-width:var(--wrap);margin:0 auto;padding:0 22px}section{padding:0}::selection{background:var(--emerald);color:#fff}:focus-visible{outline:3px solid var(--emerald);outline-offset:2px;border-radius:4px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;padding:.85em 1.7em;border-radius:999px;border:0;cursor:pointer;font-weight:700;font-size:1rem;font-family:var(--font);transition:transform .15s ease,box-shadow .15s ease,background .15s ease;text-decoration:none!important;white-space:nowrap}.btn-primary{background:var(--emerald);color:#fff;box-shadow:0 8px 20px rgb(0 195 137 / .35)}.btn-primary:hover{background:var(--emerald-dark);transform:translateY(-2px)}.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-2);transform:translateY(-2px)}.btn-ghost{background:#fff;color:var(--navy);border:2px solid var(--line)}.btn-ghost:hover{border-color:var(--navy)}.btn-sm{padding:.55em 1.2em;font-size:.9rem}.site-header{position:sticky;top:0;z-index:100;background:rgb(255 255 255 / .96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}.site-header.scrolled{box-shadow:0 4px 18px rgb(10 37 64 / .08)}.header-inner{display:flex;align-items:center;gap:28px;height:74px}.site-brand{display:flex;align-items:center;gap:11px;margin-right:auto}.site-brand svg{width:38px;height:38px;flex:none}.brand-name{font-weight:800;font-size:1.35rem;color:var(--navy);letter-spacing:-.02em;line-height:1}.brand-name span{color:var(--emerald-dark)}.brand-tag{display:block;font-size:.68rem;font-weight:600;color:var(--muted);letter-spacing:.06em;text-transform:uppercase}.main-nav ul{display:flex;gap:6px;list-style:none;margin:0;padding:0;align-items:center}.main-nav a{display:block;padding:.6em .95em;border-radius:10px;font-weight:600;color:var(--body);font-size:.98rem}.main-nav a:hover{background:var(--bg-soft);color:var(--navy);text-decoration:none}.header-cta{flex:none}.nav-toggle{display:none;background:none;border:0;cursor:pointer;padding:10px}.nav-toggle span{display:block;width:24px;height:2.5px;background:var(--navy);margin:5px 0;border-radius:2px;transition:.2s}.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 60%,#0d2f57 100%);color:#fff;padding:72px 0 80px;position:relative;overflow:hidden}.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;background:radial-gradient(circle,rgb(0 195 137 / .25),transparent 65%);pointer-events:none}.hero h1{color:#fff;margin-bottom:.35em}.hero p.lead{font-size:1.18rem;color:#c3d2e5;max-width:640px}.hero-badges{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.hero-badge{display:inline-flex;align-items:center;gap:8px;background:rgb(255 255 255 / .1);border:1px solid rgb(255 255 255 / .18);padding:.5em 1em;border-radius:999px;font-size:.88rem;font-weight:600;color:#e8eef6}.hero-cta-row{display:flex;gap:14px;margin-top:30px;flex-wrap:wrap}.section{padding:72px 0}.section-soft{background:var(--bg-soft)}.section-head{max-width:720px;margin:0 auto 44px;text-align:center}.section-head p{color:var(--muted);font-size:1.1rem}.eyebrow{display:inline-block;font-size:.78rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--emerald-dark);background:var(--emerald-soft);padding:.45em 1.1em;border-radius:999px;margin-bottom:14px}.grid{display:grid;gap:24px}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-2{grid-template-columns:repeat(2,1fr)}.card{background:var(--bg-card);border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow);transition:transform .18s ease,box-shadow .18s ease}.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}.card h3{margin-top:0}.card p{color:var(--muted)}.tool-card{display:flex;flex-direction:column}.tool-card .tool-icon{width:52px;height:52px;border-radius:14px;background:var(--emerald-soft);display:flex;align-items:center;justify-content:center;margin-bottom:18px}.tool-card .tool-icon svg{width:28px;height:28px}.tool-card a.card-link{margin-top:auto;padding-top:14px;font-weight:700;color:var(--emerald-dark)}.post-card{padding:0;overflow:hidden;display:flex;flex-direction:column}.post-card .post-card-body{padding:26px;display:flex;flex-direction:column;flex:1}.post-card .post-meta{font-size:.82rem;color:var(--muted);margin-bottom:10px;font-weight:600}.post-card h3{font-size:1.15rem}.post-card a.read-more{margin-top:auto;padding-top:12px;font-weight:700;color:var(--emerald-dark);font-size:.95rem}.entry-content{max-width:800px}.entry-content h2{margin-top:2.2em;padding-top:.4em}.entry-content h3{margin-top:1.8em}.entry-content ul,.entry-content ol{margin:0 0 1.2em;padding-left:1.4em}.entry-content li{margin-bottom:.45em}.entry-content blockquote{border-left:4px solid var(--emerald);background:var(--emerald-soft);margin:1.6em 0;padding:1.1em 1.4em;border-radius:0 var(--radius-sm) var(--radius-sm) 0;color:var(--navy)}.entry-content table{width:100%;border-collapse:collapse;margin:1.6em 0;font-size:.95rem}.entry-content th{background:var(--navy);color:#fff;text-align:left;padding:.8em 1em;font-weight:700}.entry-content th:first-child{border-radius:10px 0 0 0}.entry-content th:last-child{border-radius:0 10px 0 0}.entry-content td{padding:.75em 1em;border-bottom:1px solid var(--line)}.entry-content tr:nth-child(even) td{background:var(--bg-soft)}.faq{max-width:800px;margin:0 auto}.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);margin-bottom:12px;overflow:hidden}.faq summary{cursor:pointer;padding:1.05em 1.3em;font-weight:700;color:var(--navy);list-style:none;display:flex;justify-content:space-between;align-items:center;gap:12px}.faq summary::-webkit-details-marker{display:none}.faq summary::after{content:"+";font-size:1.5rem;color:var(--emerald-dark);font-weight:400;flex:none}.faq details[open] summary::after{content:"–"}.faq details .faq-a{padding:0 1.3em 1.2em;color:var(--body)}.trust-box{background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--radius);padding:28px;margin:2.5em 0;font-size:.95rem}.trust-box h4{margin-top:0;display:flex;align-items:center;gap:10px}.trust-box ul{margin:.6em 0 0;padding-left:1.3em}.trust-box li{margin-bottom:.4em}.disclaimer-mini{background:var(--red-soft);border:1px solid #f5c6c7;color:#8a1f23;border-radius:var(--radius-sm);padding:1em 1.3em;font-size:.88rem;margin:2em 0}.site-footer{background:var(--navy);color:#b9c7da;margin-top:0}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;padding:64px 0 44px}.footer-brand .brand-name{color:#fff}.footer-brand p{font-size:.93rem}.site-footer h4{color:#fff;font-size:1rem;margin-bottom:1.1em}.footer-links{list-style:none;margin:0;padding:0}.footer-links li{margin-bottom:.6em}.footer-links a{color:#b9c7da;font-size:.95rem}.footer-links a:hover{color:#fff}.footer-bottom{border-top:1px solid rgb(255 255 255 / .12);padding:22px 0;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;font-size:.85rem;color:#8fa1b8}.footer-bottom p{margin:0}.page-hero{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;padding:52px 0}.page-hero h1{color:#fff;margin-bottom:.25em}.page-hero .crumbs{font-size:.88rem;color:#9fb2ca;margin-bottom:14px}.page-hero .crumbs a{color:#cfe0f4}.page-hero p.lead{color:#c3d2e5;max-width:700px;margin-bottom:0}.blog-list .post-card{margin-bottom:0}.post-meta-row{display:flex;gap:16px;flex-wrap:wrap;font-size:.88rem;color:var(--muted);font-weight:600;margin-bottom:18px}.author-box{display:flex;gap:18px;background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--radius);padding:24px;margin:2.5em 0;align-items:center}.author-box .avatar{width:64px;height:64px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:1.4rem;flex:none}.pcalc-form{max-width:640px}.form-row{margin-bottom:18px}.form-row label{display:block;font-weight:700;color:var(--navy);margin-bottom:7px;font-size:.95rem}.form-row input[type=text],.form-row input[type=email],.form-row textarea,.form-row select{width:100%;padding:.85em 1.05em;border:2px solid var(--line);border-radius:var(--radius-sm);font-family:var(--font);font-size:1rem;color:var(--ink);background:#fff;transition:border-color .15s}.form-row input:focus,.form-row textarea:focus,.form-row select:focus{outline:none;border-color:var(--emerald)}.form-row textarea{min-height:150px;resize:vertical}.form-note{font-size:.85rem;color:var(--muted)}.error-404{text-align:center;padding:90px 0}.error-404 h1{font-size:5rem;color:var(--navy);margin-bottom:.1em}.text-center{text-align:center}.mt-0{margin-top:0}.mb-0{margin-bottom:0}.cta-band{background:linear-gradient(135deg,var(--emerald-dark),var(--emerald));border-radius:24px;padding:56px;color:#fff;text-align:center;box-shadow:var(--shadow-lg)}.cta-band h2{color:#fff}.cta-band p{color:#eafff6;max-width:600px;margin:0 auto 26px}.cta-band .btn{background:#fff;color:var(--navy)}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}.check-list{list-style:none;margin:0 0 1.4em;padding:0}.check-list li{padding-left:34px;position:relative;margin-bottom:.7em}.check-list li::before{content:"✓";position:absolute;left:0;top:0;width:24px;height:24px;border-radius:50%;background:var(--emerald-soft);color:var(--emerald-dark);font-weight:800;display:flex;align-items:center;justify-content:center;font-size:.85rem}@media(max-width:960px){.grid-3{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr 1fr}.two-col{grid-template-columns:1fr}}@media(max-width:720px){body{font-size:16px}.main-nav{display:none;position:absolute;top:74px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--shadow-lg);padding:12px 22px 20px}.main-nav.open{display:block}.main-nav ul{flex-direction:column;align-items:stretch}.main-nav a{padding:.85em .5em;border-bottom:1px solid var(--bg-soft)}.nav-toggle{display:block}.header-cta{display:none}.grid-3,.grid-2{grid-template-columns:1fr}.section{padding:52px 0}.hero{padding:52px 0 60px}.footer-grid{grid-template-columns:1fr;gap:30px;padding:48px 0 30px}.cta-band{padding:40px 24px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition:none!important;animation:none!important}}