:root{
  --ink:#0f1a2b; --paper:#ffffff; --bone:#f6f4ef; --line:#e4e0d8; --muted:#5f6675;
  --navy:#12325c; --navy-dk:#0b2140; --amber:#e8a100; --amber-dk:#b57d00; --ok:#1a7f4b; --warn:#b4341f;
  --shadow:0 10px 34px rgba(15,26,43,.09);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bone);color:var(--ink);font:16px/1.6 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:inherit}
.wrap{width:min(100% - 32px,1080px);margin-inline:auto}
h1,h2,h3,h4{line-height:1.12;letter-spacing:-.02em;margin:0}
h2{font-size:clamp(1.5rem,3.4vw,2.2rem);margin-bottom:10px}
h3{font-size:1.12rem}
p{margin:0 0 12px}
.eyebrow{font-size:.68rem;font-weight:900;letter-spacing:.16em;text-transform:uppercase;color:var(--amber-dk)}
.lead{font-size:1.08rem;color:var(--muted);max-width:68ch}
section{padding:56px 0}
section.alt{background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}

.bar{background:var(--navy-dk);color:#e9eef7;font-size:.8rem;padding:10px 0;border-bottom:3px solid var(--amber)}
.bar .wrap{display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap}
.bar a{color:#ffd66b;text-decoration:none;font-weight:700}

.nav{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.nav .wrap{display:flex;gap:18px;align-items:center;padding:8px 0;flex-wrap:wrap}
.nav a{text-decoration:none;font-weight:700;font-size:.9rem;color:var(--muted)}
.nav a[aria-current]{color:var(--navy)}
.nav .brand{font-weight:900;color:var(--navy-dk);font-size:1rem;margin-right:6px;display:flex;align-items:center;gap:8px}
.nav .brand img{width:34px;height:34px}
.nav .pill{margin-left:auto;background:var(--navy);color:#fff;padding:7px 12px;border-radius:999px;font-size:.8rem}

.hero{background:linear-gradient(180deg,#fff 0%,var(--bone) 100%);padding:64px 0 48px}
.hero h1{font-size:clamp(2rem,5.4vw,3.4rem);margin:12px 0 16px;color:var(--navy-dk)}
.hero .grid{display:grid;grid-template-columns:1.3fr 1fr;gap:34px;align-items:center}
.cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}
.btn{display:inline-block;padding:13px 20px;border-radius:12px;font-weight:800;text-decoration:none;border:2px solid var(--navy);transition:.15s}
.btn.primary{background:var(--navy);color:#fff}
.btn.primary:hover{background:var(--navy-dk)}
.btn.ghost{background:transparent;color:var(--navy)}
.btn.ghost:hover{background:#eef2f9}

.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:24px}
.card{background:var(--paper);border:1px solid var(--line);border-radius:16px;padding:20px;box-shadow:var(--shadow)}
.card h3{margin-bottom:6px}
.card p{font-size:.94rem;color:var(--muted);margin:0}
.card .who{margin-top:10px;font-size:.78rem;font-weight:800;color:var(--navy)}
.card.hi{border-color:var(--amber);background:#fffbef}
a.card{text-decoration:none;display:block}
a.card:hover{border-color:var(--navy)}
a.card .more{margin-top:12px;font-weight:800;color:var(--navy);font-size:.9rem}

.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:26px}
.step{background:var(--paper);border:1px solid var(--line);border-radius:16px;padding:20px}
.step .k{font-size:.7rem;font-weight:900;letter-spacing:.14em;color:var(--amber-dk);text-transform:uppercase}
.step h3{margin:6px 0 8px}
.step p{font-size:.94rem;color:var(--muted);margin:0}

.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:26px}
.stat{background:var(--paper);border:1px solid var(--line);border-radius:16px;padding:20px;box-shadow:var(--shadow)}
.stat .big{font-size:2rem;font-weight:900;color:var(--navy);letter-spacing:-.03em;line-height:1}
.stat .lbl{font-size:.82rem;color:var(--muted);margin-top:8px}

table{width:100%;border-collapse:collapse;background:var(--paper);border:1px solid var(--line);border-radius:14px;overflow:hidden;font-size:.94rem}
.tablewrap{overflow-x:auto;margin-top:18px}
th,td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
th{background:#f0f3f8;font-size:.74rem;letter-spacing:.1em;text-transform:uppercase;color:var(--navy)}
tr:last-child td{border-bottom:0}
td.num{text-align:right;white-space:nowrap;font-variant-numeric:tabular-nums}
tfoot td{font-weight:900;background:#fff8e3}

.rules{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:24px}
.rule{background:var(--paper);border:1px solid var(--line);border-left:5px solid var(--warn);border-radius:14px;padding:18px}
.rule.ok{border-left-color:var(--ok)}
.rule h3{font-size:1rem;margin-bottom:6px}
.rule p{font-size:.93rem;color:var(--muted);margin:0}

.ask{background:var(--navy-dk);color:#e9eef7;border-radius:22px;padding:32px;display:grid;grid-template-columns:1.2fr 1fr;gap:28px;margin-top:26px}
.ask h2{color:#fff}
.ask ul{margin:0;padding-left:20px;line-height:1.7}
.ask .box{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:16px;padding:20px}
.ask a.btn{border-color:var(--amber);background:var(--amber);color:var(--navy-dk)}
.ask a.btn:hover{background:#ffc22e}
.ask .eyebrow{color:#ffd66b}

.note{font-size:.82rem;color:var(--muted);margin-top:14px}
.est{display:inline-block;font-size:.66rem;font-weight:900;letter-spacing:.12em;padding:3px 8px;border-radius:999px;background:#fff1c9;color:var(--amber-dk);text-transform:uppercase;vertical-align:middle;margin-left:6px}
.no{display:inline-block;font-size:.66rem;font-weight:900;letter-spacing:.12em;padding:3px 8px;border-radius:999px;background:#fde4df;color:var(--warn);text-transform:uppercase;vertical-align:middle}
.yes{display:inline-block;font-size:.66rem;font-weight:900;letter-spacing:.12em;padding:3px 8px;border-radius:999px;background:#dcf3e5;color:var(--ok);text-transform:uppercase;vertical-align:middle}
.crumbs{font-size:.82rem;color:var(--muted);padding:14px 0 0}
.crumbs a{color:var(--navy);text-decoration:none;font-weight:700}
.prose{max-width:74ch}
.prose h3{margin:26px 0 8px}
.prose ul{padding-left:20px;margin:0 0 12px}
.prose li{margin-bottom:6px}
.next{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:20px}
footer{padding:36px 0;color:var(--muted);font-size:.84rem}
footer a{color:var(--navy)}

@media (max-width:880px){
  .hero .grid,.rules,.ask{grid-template-columns:1fr}
  .stats,.cards,.steps,.next{grid-template-columns:1fr 1fr}
}
@media (max-width:560px){
  .stats,.cards,.steps,.next{grid-template-columns:1fr}
  section{padding:44px 0}
}

figure.pic{margin:22px 0;border-radius:14px;overflow:hidden;border:1px solid #e6e4df;background:#fcfcfb}figure.pic img{display:block;width:100%;height:auto}figure.pic figcaption{padding:10px 14px;font-size:.85rem;color:#52514e}
figure.pic.tall{max-width:440px}.picrow{display:grid;grid-template-columns:1fr 1fr;gap:22px;align-items:start}@media(max-width:720px){.picrow{grid-template-columns:1fr}}